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.

BOQ points
$620 profit after meeting spend requirements
$0 faf.
220,000 points
Spend $3,000 in 90 days
Offer Expires in a month (31/07/22)
Modified 44871

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HSBC points
$600 profit after meeting spend requirements
$0 faf.
120,000 points
Spend $3,000 in 90 days
$0 first year annual fee, $129 thereafter
Modified 08/11/21
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Westpac points
$571 profit after meeting spend requirements
$49 faf.
140,000 points
$15,000 min credit limit
Spend $6,000 in 120 days
$49 first year annual fee, $250 thereafter
Offer Expires 11 hours ago (30/06/22)
Modified 24/03/22
Westpac points
$470 profit after meeting spend requirements
$0 faf.
110,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$0 first year annual fee, $150 thereafter
Offer Expires 11 hours ago (30/06/22)
Modified 24/02/22
Bank of Melbourne points
$421 profit after meeting spend requirements
$29 faf.
100,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$29 first year annual fee, $99 thereafter
Offer Expires 11 hours ago (30/06/22)
Modified 04/03/22
Westpac points
$421 profit after meeting spend requirements
$49 faf.
110,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$49 first year annual fee, $150 thereafter
Offer Expires 11 hours ago (30/06/22)
Modified 12/03/22
ANZ points
$370 profit after meeting spend requirements
$0 faf.
80,000 points
$15,000 min credit limit
Spend $2,000 in 90 days
$0 first year annual fee, $375 thereafter
Modified 03/11/21
Westpac points
$341 profit after meeting spend requirements
$59 faf.
$500 min credit limit
Spend $4,000 in 120 days
$400 Cashback extra bonus.
Offer Expires 11 hours ago (30/06/22)
Modified 24/02/22
Qantas points
$325 profit after meeting spend requirements
$0 faf.
70,000 points
$6,000 min credit limit
Spend $2,500 in 90 days
$0 first year annual fee, $295 thereafter
Modified 11/11/21
$300 profit after meeting spend requirements
$0 faf.
$4,000 min credit limit
Spend $1,500 in 90 days
$0 first year annual fee, $89 thereafter
$300 Cashback extra bonus.
Offer Expires in 4 months (31/10/22)
Modified 01/06/22
Qantas points
$301 profit after meeting spend requirements
$49 faf.
75,000 points
$6,000 min credit limit
Spend $4,000 in 90 days
$49 first year annual fee, $150 thereafter
Offer Expires 11 hours ago (30/06/22)
Modified 13/02/27
ANZ points
$220 profit after meeting spend requirements
$0 faf.
50,000 points
$6,000 min credit limit
Spend $1,500 in 90 days
$0 first year annual fee, $95 thereafter
Modified 03/11/21
NAB 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 20,000 bonus points, $195 annual fee.
Modified 11/11/21
Qantas points
$176 profit after meeting spend requirements
$99 faf.
60,000 points
Spend $3,000 in 90 days
Offer Expires 11 hours ago (30/06/22)
Modified 02/11/21
CitiRewards points
$151 profit after meeting spend requirements
$49 faf.
$6,000 min credit limit
Spend $3,000 in 90 days
$49 first year annual fee, $149 thereafter
$200 FlyBuy Dollars (40k FlyBuy Points) extra bonus.
Offer Expires in 7 months (31/01/23)
Modified 31/05/22
Qantas points
$1 profit after meeting spend requirements
$99 faf.
20,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
Modified 11/11/21
St.George Amplify points
$-29 loss after meeting spend requirements
$29 faf.
100,000 points
$6,000 min credit limit
Spend $3,000 in 90 days
$29 first year annual fee, $99 thereafter
Offer Expires in 6 months (31/12/22)
Modified 30/06/22

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Craig
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