Cashback value
$211 after fees
1% cashback at $3,000/month spend
Available
I'd like to use my bonus for:
Compare all cashback cards with an interactive spend slider.
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →Can I get the card?
$1,000 minimum credit limit — a lending commitment, not a reward fact.
$30,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Cashback Compare across cards →1% cashback
Check the category, cap, and payout timing.
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1% cashback on everyday purchases (e.g. groceries, transport, coffee), up to a maximum of 1% of credit limit per month; credited monthly to the account balance when the minimum repayment is made on time, no expiry
No source recorded for this benefit. - Cashback Compare across cards →1% cashback on eligible purchases
Check the category, cap, and payout timing.
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1% cashback on eligible everyday purchases, capped at 1% of credit limit/month
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Mobile Phone Insurance Compare across cards →Phone protection for damage and theft when the mobile phone bill is paid with the card and paid in full, up to $1,500 per year (maximum $900 per occurrence); underwritten by AIG Australia
Check the payment condition, limits, and excess.
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Phone protection for damage and theft when the mobile phone bill is paid with the card and paid in full, up to $1,500 per year (maximum $900 per occurrence); underwritten by AIG Australia
No source recorded for this benefit. - Purchase Protection Insurance Compare across cards →Online shopping protection for orders that don't arrive, are damaged, or are missing items, plus cover for accidental damage or theft on purchases made with the card, up to $750 per year
Check the cover period, the card-payment condition, claim limits, and excess.
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Online shopping protection for orders that don't arrive, are damaged, or are missing items, plus cover for accidental damage or theft on purchases made with the card, up to $750 per year
No source recorded for this benefit. - Event Ticket Insurance Compare across cards →Reimbursement for event tickets paid with the card if the event is missed due to sickness, accidents or similar, up to $1,200 per year
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Reimbursement for event tickets paid with the card if the event is missed due to sickness, accidents or similar, up to $1,200 per year
No source recorded for this benefit. - Mobile Phone Insurance Compare across cards →Up to $1,500/yr ($900/claim) when paying phone bill in full with card
Check the payment condition, limits, and excess.
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Up to $1,500/yr ($900/claim) when paying phone bill in full with card
No source recorded for this benefit. - Purchase Protection Insurance Compare across cards →Up to $750/yr for eligible purchases
Check the cover period, the card-payment condition, claim limits, and excess.
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Up to $750/yr for eligible purchases
No source recorded for this benefit.
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Entertainment Benefits Compare across cards →Ticket protection up to $1,200/yr for eligible events
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Ticket protection up to $1,200/yr for eligible events
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Digital card can be added to a mobile wallet as soon as the application is approved
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Digital card can be added to a mobile wallet as soon as the application is approved
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
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Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
No source recorded for this benefit. - Digital Card Issuance Compare across cards →100% digital card — Apple Pay and Google Pay only, no physical card
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100% digital card — Apple Pay and Google Pay only, no physical card
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $149 each year ($149 annual fee) — first year was $149.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Keeping pays off only if the ongoing earn and benefits are worth $149/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
Fees
First Year Annual Fee
$149
Ongoing Annual Fee
$149
From year 2 onwards
Purchase Interest Rate
19.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Event Ticket InsuranceUpdated Aug 2026
- CashbackUpdated Aug 2026
Was 1% cashback.
- Digital Wallet IntegrationUpdated Aug 2026
- Digital Card IssuanceUpdated Aug 2026
- Interest Free PeriodsUpdated Aug 2026
- Entertainment BenefitsRemoved Jul 2026
- Purchase Protection InsuranceUpdated Aug 2026
- Mobile Phone InsuranceUpdated Aug 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Aug 2026
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 11 Aug 2026).
Community and personal tools
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