Credit card bonus eligibility checker
Earned a sign-up bonus and not sure when you can earn one from the same issuer again? Enter the month you last got each issuer’s bonus and this tool adds their verified exclusion period to show your next eligible date — soonest first.
| Issuer | Exclusion period |
|---|---|
| American Express | 18 months |
| ANZ | 24 months |
| Bank of Melbourne / St.George | 24 months |
| Bankwest | 24 months |
| BOQ | 12 months |
| Citi | No published exclusion period / not yet verified |
| Coles | No published exclusion period / not yet verified |
| Commbank | 24 months |
| HSBC | 18 months |
| ING | No published exclusion period / not yet verified |
| Macquarie | No published exclusion period / not yet verified |
| MONEYME | No published exclusion period / not yet verified |
| MyCard | No exclusion period |
| NAB | 24 months |
| Qantas Premier | 24 months |
| Suncorp | 12 months |
| Virgin Money | 12 months |
| Westpac | 24 months |
Frequently asked questions
When can I earn an issuer's sign-up bonus again?
Most Australian issuers set an exclusion period — the time after your last sign-up bonus before you qualify for a new one. Enter your last approval month and the checker adds the issuer's verified exclusion period to show your next eligible date.
Does a St.George bonus block a Bank of Melbourne bonus?
Yes. St.George and Bank of Melbourne share a single 24-month exclusion clock, so a bonus on one counts against the other. Westpac runs a separate clock despite the shared banking group.
Is the checker anonymous?
Yes. Nothing is stored on a server — your approval dates live only in the page's link, which you can copy to share or revisit your result.
Exclusion periods are set by each issuer and can change at any time. This tool is a guide based on our verified data — always confirm the current terms with the issuer before applying.
