Credit Cards with Online Banking Features

Qantas Premier Titanium

Qantas points

$1,200 annual fee

Offer

150,000 Qantas points

Qantas Money Credit Cards App and Online Access to view balance, due dates and transactions (iOS 15+/Android 10+).

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200

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Virgin Australia Velocity Flyer Card

Velocity points

$149 annual fee

Offer

50,000 Velocity points

Manage the card via the Virgin Money app: lock/unlock the card instantly, set or change PIN, track spending and transfer funds

Spend $3,000 in 60 days (~$1,500/mo)

Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $149 fee.

Est. profit $830

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ANZ Rewards Black

ANZ points

$375 annual fee

Offer

130,000 ANZ points

ANZ Falcon provides 24/7 anti-fraud monitoring; account managed via the ANZ App and ANZ Internet Banking, including Visa Secure for online shopping

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.

Read my analysis

Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)

Qantas points

$399 annual fee

No Qantas credit card in past 24 monthsCheck my eligibility

Offer

120,000 Qantas points

Qantas Money Credit Cards App (iOS and Android) to view credit card balance, due dates and transactions

Spend $5,000 in 90 days (~$1,667/mo)

$349 first year annual fee, $399 thereafter

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $1,571

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Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

Card management tools including PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders

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.

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Bank of Melbourne Amplify Rewards Platinum

Bank of Melbourne points

$175 annual fee

Offer

75,000 Bank of Melbourne points

Manage repayments and the account via Plan&Pay, Autopay, SMS and email alerts and Bank of Melbourne internet/mobile banking

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.

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St.George Amplify Platinum - Qantas

Qantas points

$175 annual fee

Offer

70,000 Qantas points

Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts

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

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St.George Amplify Qantas Signature

Qantas points

$295 annual fee

Offer

90,000 Qantas points

Repayment management tools including Plan&Pay, Autopay and SMS and email alerts, plus access to My Offers Hub and Visa Offers and Perks

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

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St.George Amplify Rewards Platinum

St.George Amplify points

$175 annual fee

Offer

75,000 St.George Amplify points

Repayment management tools via St.George Internet and Mobile Banking including Plan&Pay, Autopay, and SMS and email alerts

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.

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St.George Amplify Rewards Signature (Existing customers, through log in)

St.George Amplify points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

100,000 St.George Amplify points

Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts via St.George Internet and Mobile Banking

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

Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance

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

Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders

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

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Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Offer

75,000 Westpac points

Manage the credit card in the Westpac App with budgeting, saving and account-management features

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

Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance

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

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Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance

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

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Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance

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

Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Westpac App money management tools including cash flow and spend Categories, Cards Hub (order/lock card, change PIN), Quick Balance and Card Autopay

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

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Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Westpac App money management tools including cash flow and spend Categories, Cards Hub (order/lock card, change PIN), Quick Balance and Card Autopay

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

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Westpac Low Rate Card (Existing Customers)

Westpac points

$84 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

Manage the credit card in the Westpac App with budgeting and savings features; Westpac Added Online Security and Fraud Money Back Guarantee for unauthorised transactions

Spend $6,000 in 180 days (~$1,000/mo)

Craig's Take

Easy $33/day spend to hit the bonus.

Read my analysis

Virgin Australia Velocity High Flyer Card

Velocity points

$329 annual fee

Offer

80,000 Velocity points

Manage the card via the Virgin Money app: track spending, lock/unlock the card instantly, set or change PIN, redeem rewards and transfer funds

Spend $7,000 in 60 days (~$3,500/mo)

Craig's Take

Tough spend — $117/day for 60 days. Excellent ongoing earn rate. $129 cashback offsets the $329 fee.

Est. profit $1,160

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ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

90,000 Qantas points

Card management via ANZ Internet Banking and the ANZ App, including activating the card, setting a PIN and setting up automatic payments.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.

Est. profit $1,215

Read my analysis