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Name Finder Score Bonus points Points per $ spent Purchase rate p.a. Annual fee
St.George Amplify Signature
St.George Amplify Signature image
Amplify Rewards
Finder score
Bonus points
150,000
Points per $ spent
1.5
Purchase rate p.a.
20.99%
Annual fee
$199 first year ($295 after)
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150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
American Express Platinum Business Card
American Express Platinum Business Card image
Finder Award
Membership Rewards Ascent Premium
Finder score
Bonus points
250,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$875 first year ($1,750 after)
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ABN holders w/ $75,000 revenue. Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount.
American Express Platinum Card
American Express Platinum Card image
Membership Rewards
Finder score
Bonus points
150,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
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Earn 150,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black image
Qantas Frequent Flyer
Finder score
Bonus points
120,000
Points per $ spent
0.75
Purchase rate p.a.
20.99%
Annual fee
$370
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Get one of the highest bonus Qantas Points offers available when you hold the card for over 12 months and spend $6,000 in the first 120 days. Plus 2 yearly lounge passes and more.
American Express Explorer Credit Card
American Express Explorer Credit Card image
Membership Rewards
Finder score
Bonus points
50,000
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$395
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Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
Kogan Money Card – Exclusive Offer
Kogan Money Card – Exclusive Offer image
Exclusive
Kogan Rewards Program
Finder score
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
9.99% for 18 months, then 21.99%
Annual fee
$0
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Save with 0% p.a. interest on balance transfers (with a 1% BT fee) and 9.99% p.a. on purchases, both for 18 months, plus, an ongoing $0 annual fee.
Kogan Money Card – Exclusive Offer
Kogan Money Card – Exclusive Offer image
Exclusive
Kogan Rewards Program
Finder score
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
9.99% for 18 months, then 21.99%
Annual fee
$0
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Save with 0% p.a. interest on balance transfers (with a 1% BT fee) and 9.99% p.a. on purchases, both for 18 months, plus, an ongoing $0 annual fee.
Westpac Altitude Rewards Black
Westpac Altitude Rewards Black image
Westpac Altitude Rewards
Finder score
Bonus points
150,000
Points per $ spent
1.25
Purchase rate p.a.
20.99%
Annual fee
$200 first year ($295 after)
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Earn up to 150,000 bonus Altitude Rewards Points (100,000 points in year 1 when you spend $6,000 in the first 120 days and 50,000 in year 2).
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Rewards score tiers - what you need to know

  • 9+ Excellent - These cards offer the best ongoing earn rates and sign up offers, coupled with attractive annual fees and perks.
  • 7+ Great - Reasonable rewards cards but may offer slightly lower ongoing or signup offers.
  • 5+ Satisfactory - These cards may offer lower ongoing and sign up points, and fewer perks, but probably have lower annual fees.
  • Less than 5 – Basic - Entry level rewards cards, that offer consumers basic sign up offers and ongoing earn rates.

The lowdown on how we score

We analyse 100+ rewards credit cards and look at 6 key features to create our Finder Scores.

Points from rewards programs are converted to a dollar value, by determining the number of points required to purchase a grocery store gift card, or a direct dollar value conversion, within the rewards program store.

A card will get a different Finder Score in each category, depending on which features are being assessed.

To qualify for the rewards score, credit cards must:

  • Offer signup or ongoing rewards points affiliated to a rewards program.
  • Be available to general consumers.

Our aim is to help your with financial decision-making, but please consider your own financial circumstances. While we may make money from commercial partnerships, they have no weight in our methodology. The database is scored objectively and reviewed by our editorial team. Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.

Rewards score weightings

FeatureDefinitionAssessmentWeight
Earn RatePoints earned for every dollar spent on eligible purchasesPoints awarded per dollar. Points are converted to a dollar value30%
Sign-Up PointsBonus points earned for signing up and meeting spending requirementsTotal bonus points offered. Points are converted to a dollar value30%
Purchase RateInterest rate on new purchasesLower rates receive higher scores (up to 23.99% max)10%
Earn Rate capMaximum points earned in a billing cycle before a lower earn rate appliesHigher caps or no caps receive higher scores10%
First-Year FeeFee charged for the first year of card ownershipLower fees receive higher scores ($0 fee scores highest)10%
Ongoing Annual FeeFee charged from the second year onwardsLower fees receive higher scores ($0 fee scores highest)10%

More guides on Finder

  • Credit card churning in Australia — churn, baby, churn

    Well-known among frequent flyers and point chasers, this controversial strategy involves taking advantage of bonus point offers on different credit cards.

  • How to pay the ATO by credit card and earn rewards points

    Find out which credit cards offer points for payments to the ATO and how much the rewards are really worth.

  • Amplify Rewards Program

    Learn how you can build points with St.George and Amplify Rewards to redeem them for gift cards, wine, travel and more.

  • MYER one rewards program

    Get rewarded with shopping credits and a $20 Reward Card when you regularly spend at Myer stores and at any participating affiliate partners.

  • Flybuys vs Everyday Rewards: Which is better?

    Compare Coles Flybuys or Everyday Rewards to find out which one can offer you more rewards on your grocery shop.

  • Gift cards sold at Coles and Woolworths

    Gift cards can be thoughtful and practical presents for people. Read this guide on Woolworths and Coles gift cards to find out what you need to know when buying and using them.

  • Credit Card Points Calculator

    Credit card rewards and other loyalty programs have the potential to offer you extra value for your spending – here’s how to work out if you are getting it.

  • Flybuys credit cards

    Use your credit card to earn up to 3 Flybuys points per $1 spent on everyday expenses and redeem a variety of flight and shopping rewards.

  • Petrol Credit Cards

    Earn points for your fuel spending and save on petrol costs with one of these rewards credit cards – here’s how it works.

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