RWRDS

Credit Cards with Shopping Benefits

Image of MyCard Prestige Velocity credit card
MyCard Prestige Velocity
Velocity points
$700 annual fee
Offer
150,000 Velocity points
Up to 15% off eligible Luxury Escapes hotels (10% on Australian 'Limited Time LUX Exclusive' hotels, 15% on international hotels, 10% on international tours). Max discount $500 for hotels, $250 for tours per transaction. Valid until 1 March 2027. Also 10% off selected Expedia and Wotif hotels via unique booking links, valid until 31 January 2027.
Spend $12,000 in 90 days (~$4,000/mo)
Craig
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
Image of NAB Qantas Rewards Signature Card credit card
NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Offer
100,000 Qantas points
Visa Premium Access: access to deals, discounts and privileges
Spend $5,000 in 90 days (~$1,667/mo)
Craig
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 analysis
Image of NAB Qantas Rewards Signature Card credit card
NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 Qantas points
Visa Premium Access: access to deals, discounts and privileges
Spend $5,000 in 90 days (~$1,667/mo)
$320 first year annual fee, $420 thereafter
Craig
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
Image of MyCard Prestige Qantas credit card
MyCard Prestige Qantas
Qantas points
$749 annual fee
Offer
125,000 Qantas points
Up to 15% off eligible Luxury Escapes hotels (10% domestic Limited Time LUX Exclusive hotels, 15% international Limited Time LUX Exclusive hotels, 10% international tours). Maximum discount $500 for hotels, $250 for tours per transaction. Valid until 1 March 2027. Also 10% off selected Expedia and Wotif prepaid hotel bookings until 31 January 2027.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
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 analysis
Image of MyCard Prestige credit card
MyCard Prestige
MyCard points
$700 annual fee
Offer
250,000 MyCard points
Up to 15% off eligible Luxury Escapes hotels (10% on Australian 'Limited Time LUX Exclusive' hotels, 15% on international hotels, 10% on international tours). Max discount $500 for hotels, $250 for tours per transaction. Valid until 1 March 2027. Also 10% off selected Expedia and Wotif hotels via unique booking links, valid until 31 January 2027.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
Image of NAB Qantas Rewards Premium Card credit card
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
60,000 Qantas points
Visa Premium Access provides deals, discounts and privileges
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. $150 cashback offsets the $295 fee.

Est. profit $815
Read my analysis
Image of CommBank Ultimate Awards Credit Card (with $4000 per month spend) credit card
CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Commbank points
$0 annual fee
Offer
60,000 Commbank points
CommBank Yello Cashback Offers: personalised, activatable cashback offers with partnered brands via the CommBank app for eligible Mastercard cardholders; cashback typically received within 14 business days. Mastercard Travel Rewards cashback also available at participating overseas merchants
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. 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
Bonus Cashback when shopping via the Bank of Melbourne Lounge on the ShopBack app (Cashback paid by ShopBack), plus discounted gift cards and special deals on the My Offers Hub and personalised Visa Offers and Perks
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 CommBank Smart Awards Credit Card (with $2,000 per month spend) credit card
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
40,000 Commbank points
CommBank Yello Cashback Offers: personalised cashback offers from partner brands activated and redeemed in the CommBank app; cashback typically received within 14 business days of a qualifying purchase
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/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
Visa Offers and Perks: personalised discounts and offers for eligible Visa cardholders
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 $870
Read my analysis
St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Access to My Offers Hub deals and discounted gift cards, plus personalised Visa Offers and Perks discounts
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 The American Express Platinum Card Targeted Offer credit card
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Amex Offers provide account credits and bonus points from brands such as David Jones, Country Road, Ampol, Lululemon and Luxury Escapes; Shop Small offers reward spending at participating local businesses.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
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 Westpac Altitude Qantas Platinum credit card
Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Personalised cashback offers via Westpac Extras, bonus cashback shopping via the Westpac Lounge on ShopBack, plus other in-store and online discounts
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 $870
Read my analysis
Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Westpac Rewards / Westpac Extras: exclusive deals, discounts and cashback when shopping with the card, accessible via the Westpac App
Spend $3,000 in 90 days (~$1,000/mo)
$49 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 Westpac Altitude Velocity Black credit card
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

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

Est. profit $1,160
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
Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers
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. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
Image of Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers) credit card
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Personalised cashback offers from Westpac Extras, bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers from a range of in-store and online shops
Spend $4,000 in 90 days (~$1,333/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

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

Est. profit $1,016
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
Personalised cashback offers from Westpac Extras, bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers from a range of in-store and online shops
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 $940
Read my analysis
Craig

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— Craig