RWRDS

Credit Cards with No Additional Cardholder Fee

Image of MyCard Premier Velocity credit card
MyCard Premier Velocity
Velocity points
$300 annual fee
Offer
60,000 Velocity points
No additional cardholder fee ($0); up to 4 additional cardholders per account
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $792
Read my analysis
Image of MyCard Premier credit card
MyCard Premier
MyCard 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
Craig's Take

Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Premier Qantas credit card
MyCard Premier Qantas
Qantas points
$350 annual fee
Offer
40,000 Qantas points
No additional cardholder fee ($0); up to 4 existing additional cardholders permitted per account.
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Est. profit $290
Read my analysis
Image of Westpac Altitude Rewards Black credit card
Westpac Altitude Rewards Black
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
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of Bank of Melbourne Amplify Rewards Platinum credit card
Bank of Melbourne Amplify Rewards Platinum
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
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of St.George Amplify Platinum - Qantas credit card
St.George Amplify Platinum - Qantas
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
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $820
Read my analysis
Image of St.George Amplify Qantas Signature credit card
St.George Amplify Qantas Signature
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
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $990
Read my analysis
Image of Westpac Altitude Qantas Platinum credit card
Westpac Altitude Qantas Platinum
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
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $820
Read my analysis
Image of Westpac Altitude Velocity Black credit card
Westpac Altitude Velocity Black
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
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,080
Read my analysis
Image of Westpac Altitude Velocity Black (Existing customers) credit card
Westpac Altitude Velocity Black (Existing customers)
Velocity 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
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,175
Read my analysis
Image of Westpac Altitude Velocity Platinum credit card
Westpac Altitude Velocity Platinum
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
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $890
Read my analysis
St.George Amplify Rewards Platinum
St.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
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of NAB Qantas Rewards Signature Card credit card
NAB Qantas Rewards Signature Card
Qantas points
$449 annual fee
Offer
40,000 Qantas points
Add an additional cardholder at no extra cost
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Est. profit $391
Read my analysis
Image of NAB Qantas Rewards Premium Card credit card
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
25,000 Qantas 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
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $255
Read my analysis
Image of NAB Rewards Platinum Card credit card
NAB Rewards Platinum Card
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
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of The American Express Velocity Platinum Card credit card
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 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 in 4 days (2026-10-13)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $1,135
Read my analysis
Image of The American Express Platinum Edge Credit Card credit card
The American Express Platinum Edge Credit Card
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
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Read my analysis
Image of The Qantas American Express Ultimate Card credit card
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 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 a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $1,120
Read my analysis
Image of The Qantas American Express Ultimate Card Referral Offer credit card
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
Referral offerHow referrals work
Offer
70,000 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 a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $1,120
Read my analysis
Image of The American Express Platinum Card Referral Offer credit card
The American Express Platinum Card Referral Offer
American Express points
$1,450 annual fee
Referral offerHow referrals work
Offer
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)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
Image of NAB Rewards Platinum Card with Velocity credit card
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
40,000 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
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $485
Read my analysis
Image of Westpac Altitude Qantas Black credit card
Westpac Altitude Qantas Black
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)
Offer Expires in 19 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $990
Read my analysis
Craig

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— Craig