Low Annual Fee reward credit cards

Doing all the math, to work out which cards have more rewards.

I'd like to use my bonus reward points for:

Convert your credit card signup bonus reward points to gift cards, for Coles, Woolworths, Bunnings and more.

St.George Amplify points
$601 profit after meeting spend requirements
$99 faf.
150,000 points
$15,000 min credit limit
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Suncorp points
$491 profit after meeting spend requirements
$99 faf.
120,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$99 first year annual fee, $129 thereafter
Offer Expires in 3 days (29/05/24)
Modified 02/03/24
Already had a card? Add it in your card history and get alerted when 12 months have past and you can apply again.
St.George Amplify points
$450 profit after meeting spend requirements
$0 faf.
100,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$0 first year annual fee, $124 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Westpac points
$450 profit after meeting spend requirements
$0 faf.
90,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$0 first year annual fee, $175 thereafter
2nd Year Bonus 30,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Velocity points
$429 profit after meeting spend requirements
$0 faf.
60,000 points
$6,000 min credit limit
Spend $3,000 in 60 days
$0 first year annual fee, $149 thereafter
$129 Virgin Australia Gift Voucher. extra bonus.
Offer Expires in a month (26/06/24)
Modified 2024-05-16T07:11:06.369Z
Commbank points
$425 profit after meeting spend requirements
$0 faf.
90,000 points
$3,000 min credit limit
Spend $4,500 in 90 days
Modified 02/03/24
Westpac points
$426 profit after meeting spend requirements
$99 faf.
100,000 points
$15,000 min credit limit
Spend $6,000 in 120 days
$99 first year annual fee, $295 thereafter
2nd Year Bonus 50,000 bonus points, $295 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
St.George Amplify points
$401 profit after meeting spend requirements
$49 faf.
100,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$49 first year annual fee, $124 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Westpac points
$401 profit after meeting spend requirements
$49 faf.
90,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
2nd Year Bonus 30,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Bank of Melbourne points
$401 profit after meeting spend requirements
$49 faf.
100,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$49 first year annual fee, $124 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Commbank points
$350 profit after meeting spend requirements
$0 faf.
75,000 points
$3,000 min credit limit
Spend $4,500 in 90 days
Modified 02/03/24
Westpac points
$350 profit after meeting spend requirements
$0 faf.
$500 min credit limit
Spend $7,000 in 210 days
$0 first year annual fee, $59 thereafter
$350 Cashback extra bonus.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
ANZ points
$351 profit after meeting spend requirements
$94 faf.
100,000 points
$6,000 min credit limit
Spend $2,000 in 90 days
$50 Credit on card extra bonus.
Modified 2024-05-16T07:15:06.896Z
NAB points
$305 profit after meeting spend requirements
$45 faf.
80,000 points
$6,000 min credit limit
Spend $1,000 in 60 days
$45 first year annual fee, $195 thereafter
2nd Year Bonus 20,000 bonus points, $195 annual fee.
Modified 04/11/23
BOQ points
$300 profit after meeting spend requirements
$0 faf.
100,000 points
Spend $4,500 in 90 days
Modified 2024-05-10T23:57:09.691Z
BOQ points
$235 profit after meeting spend requirements
$65 faf.
100,000 points
Spend $4,500 in 90 days
$65 first year annual fee, $129 thereafter
Modified 2024-05-10T23:56:24.045Z
ANZ points
$221 profit after meeting spend requirements
$94 faf.
70,000 points
$6,000 min credit limit
Spend $2,000 in 90 days
$50 credited to your new card extra bonus.
2nd Year Bonus 30,000 bonus points, $94 annual fee.
Modified 2024-05-16T07:19:41.473Z
American Express points
$200 profit after meeting spend requirements
$0 faf.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
$200 Travel Credit extra bonus.
Modified 03/09/22
Velocity points
$205 profit after meeting spend requirements
$95 faf.
60,000 points
$6,000 min credit limit
Spend $1,000 in 60 days
$95 first year annual fee, $195 thereafter
2nd Year Bonus 10,000 bonus points, $195 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 18/02/24
Velocity points
$176 profit after meeting spend requirements
$49 faf.
60,000 points
$6,000 min credit limit
Spend $4,000 in 90 days
$49 first year annual fee, $175 thereafter
2nd Year Bonus 20,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Flybuys points
$181 profit after meeting spend requirements
$99 faf.
50,000 points
$1,000 min credit limit
Spend $3,000 in 90 days
Offer Expires in a month (30/06/24)
Modified 02/03/24
Qantas points
$165 profit after meeting spend requirements
$0 faf.
45,000 points
$3,000 min credit limit
Spend $4,500 in 90 days
Modified 02/03/24
Qantas points
$151 profit after meeting spend requirements
$49 faf.
60,000 points
Spend $3,000 in 90 days
$49 first year annual fee, $124 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Qantas points
$151 profit after meeting spend requirements
$49 faf.
60,000 points
$6,000 min credit limit
Spend $4,000 in 90 days
$49 first year annual fee, $175 thereafter
2nd Year Bonus 20,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Qantas points
$151 profit after meeting spend requirements
$99 faf.
70,000 points
Spend $3,000 in 90 days
$99 first year annual fee, $124 thereafter
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Velocity points
$126 profit after meeting spend requirements
$99 faf.
60,000 points
$6,000 min credit limit
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
2nd Year Bonus 20,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Qantas points
$101 profit after meeting spend requirements
$99 faf.
60,000 points
$6,000 min credit limit
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
2nd Year Bonus 20,000 bonus points, $175 annual fee.
Offer Expires in 2 months (31/07/24)
Modified 02/03/24
Qantas points
$90 profit after meeting spend requirements
$0 faf.
30,000 points
$3,000 min credit limit
Spend $4,500 in 90 days
Modified 02/03/24
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Craig
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