With six out of every ten frequent flyer points coming from sources other than actually flying—and credit cards earning the bulk of those—getting the right mix of cards in your wallet is important to planning your next trip. Here is a sample of highlights from credit card providers available now.

Latest Offers

We round up the cards with noteworthy bonus offers to know about this month.

Credit CardBonus PointsAnnual FeeOffer end dateCard Guide
Gift Card
St.George Amplify Platinum
St.George Amplify Rewards Signature ↓		Up to 160,000 Amplify Rewards Points
(can get up to $700 in eGift cards)		$199 for the first year,
$295 p.a. ongoing		ongoingRead Here
ANZ Rewards Black
ANZ Rewards Black ↓		Up to 160,000 ANZ Rewards Points
(can get a $700 Gift Card)		$375 p.a. ongoingongoingRead Here
Qantas Points
NAB Qantas Business
NAB Qantas Business ↓		150,000 bonus Qantas Points$295 p.a.ongoingRead Here
Qantas Money Titanium
Qantas Money Titanium ↓		150,000 Qantas Points$1,200ongoingRead Here
American Express Qantas Business Rewards
American Express Qantas Business Rewards ↓		130,000 Qantas Points$450 p.a. ongoing13 January 2026Read Here
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black ↓		Up to 120,000 Qantas Points$295 p.a. plus $75 annual Rewards feeongoingRead Here
Qantas Money Platinum Card
Qantas Money Platinum ↓		Up to 100,000 Qantas Points$349 for the first year,
$399 p.a. ongoing		ongoingRead Here
American Express Qantas Ultimate
Qantas American Express Ultimate ↓		Up to 90,000 bonus Qantas Points$450 p.a.13 January 2026Read Here
Velocity Points
American Express Velocity Business Card
American Express Velocity Business ↓		120,000 Velocity Points$249 p.a. ongoing13 January 2026Read Here
ANZ Rewards Black
ANZ Rewards Black ↓		Up to 90,000 Velocity Points (equivalent)$375 p.a. ongoingongoingRead Here
NAB Rewards Platinum (Velocity)
NAB Rewards Platinum ↓		Up to 80,000 Velocity Points (equivalent)$195 p.a. ongoingongoingRead Here
Amex Velocity Platinum
American Express Velocity Platinum ↓		60,000 bonus Velocity Points$440 p.a. ongoingongoingRead Here
Westpac Altitude Black
Westpac Altitude Rewards Black ↓		Up to 53,000 Velocity Points
(equivalent)		$200 for the first year,
$295 p.a. ongoing		ongoingRead Here
KrisFlyer miles
Westpac Altitude Black
Westpac Altitude Rewards Black ↓		Up to 53,000 KrisFlyer miles
(equivalent)		$200 for the first year,
$295 p.a. ongoing		ongoingRead Here
ANZ Rewards Black
ANZ Rewards Black ↓		Up to 60,000 KrisFlyer miles
(equivalent)		$375 p.a. ongoingongoingRead Here
American Express Membership Rewards
American Express Platinum Business Card
American Express Platinum Business ↓		300,000 Premium Ascent
Membership Rewards Points		$1,750 p.a.13 January 2026Read Here
American Express Platinum Card
American Express Platinum ↓		200,000 Ascent Premium
Membership Rewards points		$1,450 p.a.2 December 2025Read Here
American Express Explorer
American Express Explorer ↓		100,000 Amex MR Points$395 p.a.2 December 2025Read Here

Digging into the details

Learn more about the cards with noteworthy offers this month.

Gift Cards

St.George Amplify Rewards Signature

St.George Amplify Rewards Signature - Up to 200,000 Amplify Rewards Points + a reduced first year annual fee
Sign-up Bonus:
Up to 200,000 Amplify Rewards Points
Rewards Earn Rate:
3 Amplify Points per $1 on international spend, 2 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Annual Fee:
$199 in the first year, $295 p.a. ongoing
St.George is offering up to 200,000 Amplify Rewards Points (equivalent to 100,000 Velocity Points or up to $875 in eGift cards) plus a reduced first-year annual fee for new cardholders of the Amplify Rewards Signature Card. Includes two complimentary airport lounge passes, complimentary insurances and access to Visa Luxury Hotels program.

ANZ Rewards Black credit card

ANZ Rewards Black - Up to 180,000 extra ANZ Rewards Points + $100 back
Sign-up Bonus:
Up to 180,000 extra ANZ Reward Points + $100 back to your new card
Rewards Earn Rate:
Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual Fee:
$375 p.a. ongoing
ANZ is offering up to 180,000 extra ANZ Reward Points (130,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card is kept for 15 months from activation) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.

Qantas

NAB Qantas Business Signature

NAB Qantas Business Signature - 150,000 Qantas Points
Sign-up Bonus:
150,000 bonus Qantas Points
Rewards Earn Rate:
1 Qantas Point earned per $1.50 spend on everyday business purchases including ATO payments capped at $50,000 per card per statement period
Annual Fee:
$295 p.a. per card
Get 150,000 bonus Qantas Points when you spend $10,000 on eligible purchases in the first 90 days of opening your new account. Earn 1 Qantas Point per $1.50 on business and ATO spend, capped at $50,000 per card per statement period. Also includes complimentary NAB Commercial Cards Unauthorised Transaction Insurance and Transit Accident Insurance. The annual card fee is $295.

Qantas Premier Titanium

Qantas Premier Titanium - 150,000 Qantas Points + 2 Qantas First Class Lounge passes
Offer Currently Not Available
Sign-up Bonus:
150,000 Qantas Points
Rewards Earn Rate:
1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter. 2 Qantas Points per whole AU$1 equivalent on international spend (uncapped). 2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped)
Annual Fee:
$1200 p.a.
Earn 150,000 Qantas Points when you spend $5,000 on eligible purchases in the first 3 months. Get two Qantas First Lounge passes per year, 20% more Status Credits, and 10% off selected Qantas domestic and international flights for two people, twice annually. Earn up to 2 Qantas Points per $1 on eligible spend (up to $12,500 per statement period), then 0.5 thereafter. Includes 0% p.a. on balance transfers for 6 months (2% fee applies). Annual fee is $1,200.

American Express Qantas Business Rewards

American Express Qantas Business Rewards - 150,000 bonus Qantas Points
Offer Currently Not Available
Sign-up Bonus:
150,000 bonus Qantas Points + $250 in your Qantas Business Rewards Travel Fund*
Rewards Earn Rate:
Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business purchases, and 0.5 Qantas Points per $1 spent on government charges.^. After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.^
Annual Fee:
$450 p.a. and up to 99 Employee Cards at no additional cost
Earn 150,000 bonus Qantas Points plus $250 in your Qantas Business Rewards Travel Fund* when you spend $6,000 on eligible purchases in the first 3 months. T&Cs apply. New American Express Card Members only. Ends 7 October 2025. Earn up to 2 Qantas Points per $1 on eligible business purchases, plus access to two Qantas lounge passes and complimentary international travel insurance. The annual fee is $450.

Westpac Altitude Qantas Black

Westpac Altitude Qantas Black - up to 150,000 Qantas Points
Sign-up Bonus:
Up to 150,000 bonus Qantas Points
Rewards Earn Rate:
Earn 1.2 Qantas Points per $1 on international transactions, 0.8 Qantas Points per $1 on everyday spend, and 0.5 Qantas Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Qantas Points per $1 thereafter
Annual Fee:
$295 p.a. plus $75 annual Rewards fee
Westpac is offering up to 150,000 bonus Qantas Points for new cardholders of the Westpac Altitude Qantas Black. This card earns up to 1.2 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club lounge invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $75 rewards fee.

Qantas Premier Platinum

Qantas Premier Platinum - Up to 90,000 Qantas Points
Offer Currently Not Available
Sign-up Bonus:
Up to 90,000 bonus Qantas Points
Rewards Earn Rate:
1 Qantas Point per whole AU$1 on Domestic Spend up to $10,000 per statement period and 0.5 thereafter. 1.5 Qantas Points per whole AU$1 equivalent on international spend plus 1 additional Qantas Point per whole AU$1 on selected Qantas spend
Annual Fee:
$349 for the first year and $399 p.a. ongoing
Earn up to 90,000 Qantas Points – 50,000 when you spend $5,000 on eligible purchases in the first 3 months, plus an additional 40,000 if you haven’t earned Qantas Points with a credit or charge card in the past 12 months. Enjoy two Qantas Club lounge passes annually, complimentary international travel insurance, and 0% p.a. on balance transfers for 6 months (2% fee applies). The annual fee is $349 in the first year, then $399 ongoing. Earn 1 Qantas Point per $1 spent and 1.5 Qantas Points per AU$1 spent overseas.

Qantas American Express Ultimate

Qantas American Express Ultimate - Up to 90,000 bonus Qantas Points
Offer Currently Not Available
Sign-up Bonus:
Up to 90,000 bonus Qantas Points¹
Rewards Earn Rate:
1.25 Qantas Points earned per $1 on eligible everyday purchases. 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia. 0.5 Qantas Point per $1 at government bodies in Australia. After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.
Annual Fee:
$450 p.a.
Earn 70,000 bonus Qantas Points when you spend $3,000 in the first 3 months, plus an additional 20,000 Qantas Points when you spend a minimum of $1 on your Card within 90 days of paying your second year annual Card Fee¹. (Offer ends 13 January 2026. New Amex Card Members only. T&Cs apply.) This card includes an annual $450 Qantas Travel Credit, two Qantas lounge passes, complimentary international travel insurance, and Qantas Wine Premium Membership (valued at $99). Earn 1.25 Qantas Points per $1 on everyday spend, 2.25 on Qantas purchases, and 0.5 on government payments. The annual fee is $450.

Velocity Points

American Express Velocity Business

American Express Velocity Business - 150,000 bonus Velocity Points*
Offer Currently Not Available
Sign-up Bonus:
150,000 bonus Velocity Points*
Rewards Earn Rate:
1 Velocity Point per $1 spent on eligible everyday business purchases and 2 Velocity Points per $1 spent with Virgin Australia
Annual Fee:
$249 p.a. and $99 per Employee Card up to 99 cards
Earn 150,000 bonus Velocity Points when you apply by 7 October 2025, are approved and spend $5,000 on eligible purchases on your new Card within the first 2 months of approval*. (T&Cs apply. Available for new American Express Card Members only.) Access a line of unsecured funding with flexible spending power^, and enjoy two complimentary Virgin lounge passes and complimentary travel insurance. Earn up to 2 Velocity Points per dollar on purchases within Australia. The annual fee is $249 and $99 per Employee Card.

ANZ Rewards Black credit card

ANZ Rewards Black - Up to 180,000 extra ANZ Rewards Points + $100 back
Sign-up Bonus:
Up to 180,000 extra ANZ Reward Points + $100 back to your new card
Rewards Earn Rate:
Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual Fee:
$375 p.a. ongoing
ANZ is offering up to 180,000 extra ANZ Reward Points (130,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card is kept for 15 months from activation) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.

NAB Rewards Platinum Card (Velocity)

NAB Rewards Platinum - Up to 80,000 Velocity Points
Sign-up Bonus:
Up to 80,000 bonus Velocity Points *
Rewards Earn Rate:
Earn uncapped points including 1 NAB Rewards Point earned per $1 on eligible everyday spend and 1.5 NAB Rewards Points per $1 at eligible Grocery Stores *
Annual Fee:
$195 p.a. ongoing
The NAB Rewards Platinum Card is offering up to 80,000 Velocity Points (auto-converted from 160,000 NAB Rewards Points) for new cardholders.* NAB Rewards allows you to earn flexible points on eligible spend, and offers bonus points at eligible grocery stores and purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.

American Express Velocity Platinum

American Express Velocity Platinum - 60,000 bonus Velocity Points*
Sign-up Bonus:
60,000 bonus Velocity Points*
Rewards Earn Rate:
1.25 Velocity Points earned per $1 on all eligible spend except for government bodies˜. 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases˜. 0.5 Velocity Points per $1 on Government spend˜
Annual Fee:
$440 p.a.
Offer expires
29 September 2026
The American Express Velocity Platinum Card has 60,000 bonus Velocity Points* on offer for new American Express Card Members who apply, are approved and spend $3,000 on eligible purchases within the first 3 months of approval. Includes several perks such as Virgin Australia Lounge Access^ every time you fly domestically with Virgin Australia, 2 VA Guest Lounge Passes⁼ each year and a Complimentary Domestic Return Virgin Australia Flightˢ. Terms, conditions and exclusions apply. New American Express Card Members Only.

Westpac Altitude Rewards Black

Westpac Altitude Rewards Black - Up to 200,000 Altitude Points
Sign-up Bonus:
Up to 200,000 bonus Altitude points
Rewards Earn Rate:
3 Altitude Points per $1 on international transactions, 2 Altitude Points per $1 on everyday spend, and 1 Altitude Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Annual Fee:
$200 for the first year, $295 p.a. ongoing
The Westpac Altitude Rewards Black has up to 200,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $875 in e-gift cards or transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 3:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.

Krisflyer Miles

Westpac Altitude Rewards Black

Westpac Altitude Rewards Black - Up to 200,000 Altitude Points
Sign-up Bonus:
Up to 200,000 bonus Altitude points
Rewards Earn Rate:
3 Altitude Points per $1 on international transactions, 2 Altitude Points per $1 on everyday spend, and 1 Altitude Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Annual Fee:
$200 for the first year, $295 p.a. ongoing
The Westpac Altitude Rewards Black has up to 200,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $875 in e-gift cards or transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 3:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.

ANZ Rewards Black credit card

ANZ Rewards Black - Up to 180,000 extra ANZ Rewards Points + $100 back
Sign-up Bonus:
Up to 180,000 extra ANZ Reward Points + $100 back to your new card
Rewards Earn Rate:
Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Annual Fee:
$375 p.a. ongoing
ANZ is offering up to 180,000 extra ANZ Reward Points (130,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card is kept for 15 months from activation) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.

American Express Membership Rewards

American Express Membership Rewards points are amongst the most flexible out there, with the ability to be transferred to key frequent flyer programs like Velocity, KrisFlyer and Asia Miles, as well as Qantas for Platinum and Business Platinum Card Members.

American Express® Platinum Business Card

American Express® Platinum Business Card - 300,000 Bonus Membership Rewards points
Sign-up Bonus:
300,000 Membership Rewards Bonus Points*
Rewards Earn Rate:
Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Annual Fee:
$1,750 p.a
Offer expires
13 January 2026
Earn 300,000 Membership Rewards Bonus Points* when you apply by 13 January 2026, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of approval. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. T&Cs apply. Available for new American Express Card Members only.

American Express Platinum Card

American Express Platinum Card - 150,000 bonus Membership Rewards points
Sign-up Bonus:
150,000 bonus Membership Rewards Points¹
Rewards Earn Rate:
Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Annual Fee:
$1,450 p.a.
Offer expires
13 January 2026
Enjoy 150,000 bonus Membership Rewards Points¹ when you spend $5,000 on eligible purchases in the first 3 months. (Offer available to new American Express Card Members only. Offer ends 13 January 2026. T&Cs apply.) Unlock premium perks including unlimited airport lounge access, international travel insurance, Amex Hotels and Resorts benefits, up to $400 in Global Dining Credit¹⁰, and a $450 Travel Credit⁵ each year. Earn up to 2.25 Membership Rewards Points per $1 on eligible spend. The annual fee is $1,450.

American Express Explorer Credit Card

American Express Explorer Credit Card - 50,000 Membership Rewards Bonus Points
Sign-up Bonus:
50,000 Membership Rewards Bonus Points¹
Rewards Earn Rate:
Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent⁶
Annual Fee:
$395 p.a.
Offer expires
3 February 2026
Earn 50,000 Bonus Membership Rewards Points¹ when you apply by 3 February 2026, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months (T&Cs apply. New American Express Card Members only). Enjoy a $400 Annual Travel Credit², complimentary access to The Centurion® Lounges³ in Sydney and Melbourne, Card, Smartphone and International Travel Insurance⁴, for a $395 p.a. annual fee.

You can also check out our full list of credit card offers as well as our best uses of points series.

Frequently Asked Questions

What are the best credit card bonus point offers in Australia right now?

Bonus point offers change frequently, but as of July 2025, some standout deals include:

  • 150,000 Qantas Points with the Qantas Premier Titanium Card
  • 150,000 Membership Rewards Points with the Amex Platinum Card
  • 300,000 Membership Rewards Points with the Amex Platinum Business Card
  • Up to 180,000 ANZ Reward Points + $100 cashback with ANZ Rewards Black

 

Check this page monthly for the most up-to-date offers.

Which credit card gives the most frequent flyer points on sign-up?

Currently, the American Express Platinum Business Card offers the highest sign-up bonus with 300,000 Membership Rewards Points. Among personal cards, the Qantas Premier Titanium and Amex Platinum offer 150,000 Qantas or Membership Rewards Points, respectively. All offers are subject to eligibility criteria and spend requirements.

Can I get bonus points if I’ve held the card before?

In most cases, no. To be eligible for bonus points, you generally must be a new cardholder and not have held the same card—or sometimes even a similar card from the same provider—within the past 12 to 24 months.

Always check the terms and conditions of each offer before applying.

What’s the difference between Qantas, Velocity, and Membership Rewards points?

  • Qantas Points can be used for Qantas flights, upgrades, hotels, and shopping via the Qantas Store.
  • Velocity Points are Virgin Australia’s loyalty currency, great for domestic and international redemptions.
  • Membership Rewards Points (Amex) are flexible and can be transferred to a variety of airline and hotel programs, including Qantas, KrisFlyer, Velocity, and more.

 

Each program has different redemption values and rules, so choose based on your travel goals.

Our roundup of credit card offers to know about this month [November 2025] was last modified: November 12th, 2025 by Daniel Sciberras