NAB points
$195 annual fee
Offer
80,000 NAB points
Add an additional cardholder at no extra cost
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 No Additional Cardholder Fee
American Express points
$195 annual fee
Offer
0 American Express points
Up to 4 additional cards for family or friends at no extra fee; points earned credited to the primary account
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
Add Additional Cards for up to 4 family members at no extra fee
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 7 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
$300 annual fee
Offer
110,000 Velocity points
No additional cardholder fee ($0); up to 4 additional cardholders per account
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 analysisMyCard points
$300 annual fee
Offer
120,000 MyCard points
No additional cardholder fee ($0); up to 4 additional cardholders per account
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 analysisQantas points
$350 annual fee
Offer
70,000 Qantas points
No additional cardholder fee ($0); up to 4 existing additional cardholders permitted per account.
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 analysis
Qantas points
$295 annual fee
Offer
60,000 Qantas points
Add an additional cardholder at no extra cost; additional cardholder must be 16 years or older
Spend $3,000 in 90 days (~$1,000/mo)
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.
Est. profit $815
Read my analysis
Westpac points
$295 annual fee
Offer
100,000 Westpac points
1 additional cardholder (16 years or older) can be added at no extra cost
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Bank of Melbourne points
$175 annual fee
Offer
75,000 Bank of Melbourne points
Add a second cardholder aged 16 or over for free, with all spend and points kept on the one account (additional cardholders cannot redeem rewards)
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Qantas points
$175 annual fee
Offer
70,000 Qantas points
One additional cardholder (16 or over) can be added for free, with spend and points kept on the one account
Spend $4,000 in 90 days (~$1,333/mo)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Add a second cardholder aged 16 or over for free, with all spend and points kept on the one account
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 $1,070
Read my analysisSt.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Add one additional cardholder aged 16 or over for free, with all spend and points kept on the one account
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
St.George Amplify points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Add up to 4 Additional Cards for family and friends at no additional fee, with points earned credited to the account.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (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
$440 annual fee
Offer
50,000 Velocity points
Up to 4 Additional Cards for family members or friends at no extra fee; all points earned credited to your Account
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires 2 months ago (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $795
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
Up to 4 additional Cards for family members or friends at no extra fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 17 days (2026-07-28)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $800
Read my analysis$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Add 1 additional cardholder (16 years or older) at no extra cost
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 $1,165
Read my analysis
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Add one additional cardholder aged 16 or over at no extra cost
Spend $4,000 in 90 days (~$1,333/mo)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysisWestpac points
$175 annual fee
Offer
75,000 Westpac points
Add 1 additional cardholder aged 16 years or older at no extra cost.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Add 1 additional cardholder (16 years or older) at no extra cost
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 $1,070
Read my analysis
Qantas points
$450 annual fee
Offer
50,000 Qantas points
Up to 4 additional Cards for family members or friends at no extra fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 17 days (2026-07-28)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $800
Read my analysis
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Add an additional cardholder at no extra cost; additional cardholder must be 16 years or older
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
One additional cardholder (16 years or older) can be added at no extra cost
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
One additional cardholder (16 years or older) can be added at no extra cost
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$175 annual fee
Offer
70,000 Velocity points
One additional cardholder (aged 16 or over) can be added at no extra cost
Spend $4,000 in 90 days (~$1,333/mo)
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,016
Read my analysis
Velocity points
$175 annual fee
Offer
70,000 Velocity points
One additional cardholder (aged 16 or over) can be added at no extra cost
Spend $4,000 in 90 days (~$1,333/mo)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
Read my analysis
Qantas points
$420 annual fee
Offer
100,000 Qantas points
Add an additional cardholder at no extra cost
Spend $5,000 in 90 days (~$1,667/mo)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,430
Read my analysisQantas points
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 Qantas points
Add an additional cardholder at no extra cost
Spend $5,000 in 90 days (~$1,667/mo)
$320 first year annual fee, $420 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,530
Read my analysis
$0 annual fee
Offer
0 Commbank points
No additional cardholder fee to share the card with someone else
Spend $9,000 in 90 days (~$3,000/mo)
Craig's Take
Moderate spend — $100/day for 90 days. Average ongoing earn rate.
Read my analysisWestpac points
$84 annual fee
Existing customers onlyCan I become an existing customer?
Offer
0 Westpac points
Add 1 additional cardholder (16 years or older) at no extra cost
Spend $6,000 in 180 days (~$1,000/mo)
Craig's Take
Easy $33/day spend to hit the bonus.
Read my analysis