Credit Cards with Shopping Benefits

$1,200 annual fee
Offer
150,000 Qantas points
Activate card offers to earn bonus Qantas Points when shopping at selected stores
Spend $5,000 in 90 days (~$1,667/mo)
Craig
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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Image of MyCard Prestige Velocity credit card
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
$295 annual fee
Offer
75,000 Qantas points
Earn cashback plus Qantas Points from over 2,000 retailers when shopping through Cashrewards, a third-party cashback program. Membership and terms apply.
Spend $2,500 in 90 days (~$833/mo)
Craig
Craig's Take

Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.

Est. profit $1,005
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$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 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
$0 annual fee
Offer
40,000 Commbank points
Access to CommBank Yello Cashback Offers providing cashback on purchases with partnered brands via the CommBank app for eligible Mastercard cardholders.
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
$425 annual fee
Offer
90,000 Qantas points
Earn cashback plus Qantas Points from over 2,000 retailers when shopping through Cashrewards, a third-party cashback program.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
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
$1,450 annual fee
OfferTargeted
200,000 American Express points
Access to Amex Offers providing credits and bonus points on shopping, dining, travel, and entertainment with various brands. Also includes Shop Small offers to support local businesses.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 4 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
Craig

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— Craig