NAB points
$195 annual fee
Offer
80,000 NAB points
Complimentary mobile phone insurance
Spend $3,000 in 90 days (~$1,000/mo)
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysisCredit Cards with Mobile Phone Insurance
American Express points
$195 annual fee
Offer
0 American Express points
Smartphone Screen Cover pays for front screen repairs (up to $500 per smartphone, two claims per 365-day period) when the phone is bought outright or its data plan paid on the card for 3 consecutive months; 10% of repair cost excess
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig's Take
Average ongoing earn rate. $200 cashback covers the $195 fee.
Read my analysis
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Smartphone Screen Cover: up to $500 for front screen repairs when the phone is bought outright or the data plan is paid on the Card; 10% excess applies; phones older than 3 years excluded
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
Read my analysis
Velocity points
$700 annual fee
Offer
150,000 Velocity points
Covers accidental damage and theft of a mobile phone when the preceding month's postpaid plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Spend $12,000 in 90 days (~$4,000/mo)
Craig's Take
Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.
Est. profit $1,850
Read my analysis
Velocity points
$300 annual fee
Offer
110,000 Velocity points
Covers accidental damage or theft of an eligible postpaid mobile phone when the preceding month's postpaid bill is paid in full with the card; up to $1,000 per occurrence and $1,650 annual aggregate, $50 excess
Spend $8,000 in 90 days (~$2,667/mo)
Craig's Take
Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.
Est. profit $1,642
Read my analysis
MyCard points
$199 annual fee
Offer
100,000 MyCard points
Covers accidental damage or theft of the mobile phone when the prior month's postpaid mobile plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Spend $5,000 in 90 days (~$1,667/mo)
Craig's Take
Moderate spend — $56/day for 90 days. Average ongoing earn rate.
Read my analysisMyCard points
$300 annual fee
Offer
120,000 MyCard points
Covers accidental damage or theft of an eligible postpaid mobile phone when the preceding month's postpaid bill is paid in full with the card; up to $1,000 per occurrence and $1,650 annual aggregate, $50 excess
Spend $7,000 in 90 days (~$2,333/mo)
Craig's Take
Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.
Read my analysisVelocity points
$199 annual fee
Offer
60,000 Velocity points
Covers accidental damage or theft of the mobile phone when the prior month's postpaid mobile plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Spend $5,000 in 90 days (~$1,667/mo)
Craig's Take
Moderate spend — $56/day for 90 days. Poor ongoing earn rate.
Est. profit $821
Read my analysisQantas points
$350 annual fee
Offer
70,000 Qantas points
Covers accidental damage or theft of a postpaid mobile phone when the preceding month's postpaid bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess.
Spend $6,000 in 90 days (~$2,000/mo)
Craig's Take
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Est. profit $770
Read my analysisQantas points
$749 annual fee
Offer
125,000 Qantas points
Covers accidental damage or theft of the mobile phone when the monthly postpaid plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Spend $10,000 in 90 days (~$3,333/mo)
Craig's Take
Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.
Est. profit $1,351
Read my analysisMyCard points
$700 annual fee
Offer
250,000 MyCard points
Covers accidental damage and theft of a mobile phone when the preceding month's postpaid plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Spend $10,000 in 90 days (~$3,333/mo)
Craig's Take
Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.
Read my analysis
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Smartphone Screen Cover insures breakage of the front screen following accidental drop or impact, up to $500 per smartphone, for two eligible claims per 365-day period (10% repair-cost excess); requires the smartphone bought outright or 3 months of data plan paid on the Card.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Complimentary mobile phone insurance covering accidental damage and theft to an eligible mobile phone for NAB Rewards Platinum cardholders; phone must be on a monthly billing plan paid using the eligible NAB card; underwritten by AIG Australia
Spend $4,000 in 90 days (~$1,333/mo)
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
Read my analysis
Velocity points
$295 annual fee
Offer
90,000 Velocity points
No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section
Spend $6,000 in 90 days (~$2,000/mo)
Craig's Take
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Est. profit $1,160
Read my analysisVelocity points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig's Take
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Est. profit $1,255
Read my analysis