Rewards Credit Cards

Find a good rewards credit card and before you know it you'll be rewarded for your everyday purchases.

Discover some of the great Rewards credit cards below.

Card	Interest Rate	Balance Transfer	Annual Fee	Free Days	Info
HSBC HSBC Platinum Credit Card 0% p.a. Balance transfer for 6 months (2% handling fee). No Annual Fee for the first year. Comprehensive complimentary insurance cover - International travel, extended warranty, purchase protection and more. Earn Rewards points on every dollar spent.	19.99% p,a.	0% p.a. for 6 months* (2% handling fee)	$0 for the first year (thereafter $129)	Up to 55 Days	Info
Bankwest Bankwest More Rewards Platinum MasterCard Earn 2 More Reward Points for every $1 spent OR earn 1 Qantas Frequent Flyer point per $1 spent on eligbile purchases Introductory 5.99% p.a. on balance transfers for 12 months Choose from up to 3,000 Rewards with More Rewards 22,500 bonus rewards points	18.99% p.a.	5.99% p.a. for 12 months	$190	Up to 55 Days	Info
Bankwest Bankwest More Rewards Gold MasterCard Earn 1.5 More Reward Points for every $1 spent OR earn 1 Qantas Frequent Flyer point per $2 spent on eligbile purchases Introductory 5.99% p.a. on balance transfers for 12 months Choose from up to 3,000 Rewards with More Rewards	19.24% p.a.	5.99% p.a. for 12 months	$120	Up to 55 Days	Info
Citibank Citibank Rewards Credit Card - Signature A free bottle of award winning wine every time you dine at participating restaurants, with Citibank's Dining Program Up to 55 days interest free on purchases Complimentary Priority Pass^™ Membership, including two complimentary lounge visits per year Complimentary International Travel Insurance, Transit Accident Insurance, Purchase Cover and Extended Warranty Discounted Airport Meet & Assist service The privilege and convenience of a Personal Conciergeto provide you with information and assistance for both business and pleasure from anywhere in the world, 24 hours a day, 7 days a week Maximum credit limit of up to $100,000 over time, based on Citibank's credit criteria	20.99% p.a.	0.9% p.a. for 9 months + 40,000 bonus points	$395	Up to 55 Days	Info
Suncorp Suncorp Platinum Credit Card Complimentary International travel insurance	20.74%p.a.	NA	$199	Up to 55 Days
Bankwest Bankwest More MasterCard Earn 1.5 More Reward Points for every $1 spent OR earn 1 Qantas Frequent Flyer point per $2 spent on eligible purchases Introductory 5.99% p.a. on balance transfers for 12 months Choose from up to 3,000 Rewards with More Rewards	18.99% p.a.	5.99% p.a. for 12 months	$89	Up to55 Days	Info
ANZ ANZ Platinum Card Editors Choice Overseas Travel & Medical Insurance. Interstate Flight Insurance. Double Manufacturers expressed Australian warranty on purchases made with ANZ Platinum Card. Annual Fee Waiver - first annual account fee is waived if you've made at least $20,000 in eligible purchases on your ANZ Platinum Card in your year prior to the fee date. Visa Entertainment access to special events, exclusive merchandise packages and home entertainment products. - Platinum Concierge Service.	0% p.a. for the first 6 months (offer ends 13th March 2012) 19.24% p.a. thereafter	0% p.a. for the first 6 months (offer ends 13th March 2012)	$0 for 1st yr, then $87 p.a. (waived if annual apend exceeds $20,000 per year)	Up to 55 Days	Info
Citibank Citibank Business Credit Card 0% p.a. on Balance Transfers for 4 months 0% p.a. on Purchases for 4 months 1.25 Reward points per $1 spent. A credit limit suitable for your business	0% p.a. for the first 4 months, then 20.74% p.a. thereafter	0% p.a. for 4 months	$149	Up to 55 Days	Info
Citibank Citibank BP MasterCard 0% p.a. Balance Transfer for 6 months 10% cash back on purchases at BP until 31st July 2012	20.89% p.a.	0% p.a. for 6 months	$89	Up to 55 Days	Info
ANZ ANZ Rewards Platinum 20,000 Bonus rewards points. Two cards with the convenience of one account. Earn 3 Rewards Points for every $1 spent on purchases with ANZ Rewards Platinum American Express Card. Earn 1.5 Reward points for every $1 spent with ANZ Rewards Visa Platinum card. Overseas Travel and Medical Insurance ANZ Car Rental Cover	19.74% p.a.	NA	$149	Up to 55 Days	Info
Citibank Citibank Rewards Credit Card - Platinum Low balance transfer rate with bonus rewards points 3 points per dollar spent on international purchases 1.25 points per dollar spent on domestic purchases Privileged Platinum features such as complimentary bottle of wine when dine at participating Citibank dining Restaurants	20.99% p.a.	0.9%p.a. for 9 months + 20,000 bonus points	$199	Up to 55 Days	Info
ANZ ANZ Rewards Receive 10,000 Bonus Rewards points - offer ends 13th March 2012. Two Cards, One Account. Earn 2 Reward Points for $1 spent on Purchases with ANZ Rewards American Express Card, 1.5 Rewards Points per $1 Spent on Visa Card. Choose your rewards, shopping vouchers, gift cards, frequent flyer points, travel, accommodation, entertainment.	19.74% p.a.	NA	$89	Up to 44 Days	Info
Citibank Citibank Rewards Credit Card - Classic Bonus rewards points on balance transfer Complimentary bottle of wine when you dine at participating Citibank dining program restaurants Credit limit of up to $10,000 Rewards	20.99% p.a.	NA	$89	Up to 55 Days	Info
Citibank Citi Select Credit Card EXCLUSIVE Credit Card - the next step up from Platinum 50,000 Bonus Points Earn 2 points per dollar Choose your own travel partner Priority Pass™ membership gives you and your guest access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket or membership in an airline lounge program And more Exclusive benefits	20.74% p.a.	6.9% p.a. for 9 months	$700	Up to 55 Days	Info
Commonwealth Bank Commonwealth Bank Gold Awards Card Up to 2 Awards points per $1 spent on American Express Card Two Cards on the One Account Complimentary International Travel Insurance	20.74% p.a.	5.99% p.a. for 5 months	$144	Up to 55 Days	Info
Commonwealth Bank Commonwealth Bank Platinum Awards Card Up to 3 Awards points per $1 spent on American Express Card Two Cards on the One Account 24/7 Concierge Service, Complimentary International Travel Insurance	20.74% p.a.	5.99% p.a. for 5 months	$280	Up to 55 Days	Info
Commonwealth Bank Commonwealth Bank Awards Credit Card Two great cards, One Account Earn up to 1.5 Awards points for every $1 spent on American Express card, 1 award point for every $1 spent MasterCard Emergency Travel Assistance for American Express card holder	20.74% p.a.	5.99% p.a. for 5 months	$89 or $59 if you have a qualifying account with CBA	Up to 55 Days	Info
St George Bank St.George Amplify Rewards Card $1 Spent = 1 Amplify Point 0.99% balance transfer rate for 6 months. Wide range of rewards, appliances, gift cards, airlines points or miles with Virgin Australia, Singapore Airlines and more.	18.74% p.a.	0.99% p.a. for 6 months	$79	Up to 55 Days	Info
Westpac Westpac Altitude Gold Credit Card Earn 2 Altitude points on purchases per $1 spent with American Express Card Two Cards linked to the one account Complimentary Insurance Receive 10,000 bonus Altitude points when you first use either card for a purchase 0.99% p.a. on Balance Transfers for 9 months	19.99% p.a.	0.99% p.a. up to 9 months	$150	NA

More about Rewards Credit Cards

Reward credit cards are products for those who use credit cards on a regular basis and want to achieve savings. Rewards cards allow you to earn cash back and get other perks and benefits.

A reward can be in a form of a direct cashback but most banks have adopted a point system - a customer is awarded points for every purchase made. These points can be than redeemed for goods and services, as travel, gift cards and entertainment rewards. You can even pay your mortgage rate by simply making everyday purchases using your credit card.

It is estimated that about 40-55% of all credit cards are linked to a reward program. The rewards vary between cards. The examples are: cash back when you shop online at select merchants, cashback bonus in categories like travel, gas, groceries, restaurants, home improvement stores, gift cards, concierge services and others.

Most of rewards credit cards do not charge annual membership fee. Many card issuers also offer 0% or low rate introductory APR.

When looking for a reward credit card it is worth to check if you can redeem your points in increments, if there is a limit of points you can earn, if the cashback is received automatically or you should redeem the points for rewards, when/if the reward expires and if the bank charges annual fee.

Reward cards are only worth to apply for if you pay your monthly balance every month in full as they usually have higher APR than other type of cards.

HSBC

Bankwest

Bankwest

Citibank

Suncorp

Bankwest

ANZ

Citibank

Citibank

ANZ

Citibank

ANZ

Citibank

Citibank

Commonwealth Bank

Up to 2 Awards points per $1 spent on American Express Card

Commonwealth Bank

Commonwealth Bank

St George Bank

Westpac

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