Australia's Most Accurate
Credit Card Comparison

Welcome to CreditCardsCompare.com.au, Australia's most comprehensive credit card comparison platform. We've built an advanced calculation engine that determines the actual dollar value you'll receive from each credit card based on your unique spending patterns and redemption preferences. With the average Australian household spending over $60,000 annually on credit card-eligible purchases, optimising your card choice can yield $1,500 to $3,000 in additional value every year.

Our comparison tool analyses 12+ of Australia's most popular credit cards including Qantas Frequent Flyer cards, Velocity rewards cards, flexible Amex Membership Rewards, cashback cards, no-annual-fee travel cards, and business credit cards. Read our How to Choose a Card guide if you're new to rewards.

What sets us apart is our commitment to accuracy. We use real-world redemption data showing Qantas points worth 1.0-1.8 cents, Velocity points 0.9-1.7 cents, and Amex MR points 1.2-2.0 cents when used strategically. See our Points Valuation Guide for complete methodology.

🧮 Start Comparison Tool Browse All 12 Cards

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12+

Cards Analyzed

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50,000+

Users Helped

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$2M+

Value Unlocked

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100%

Unbiased Reviews

Featured Credit Cards

Our top-rated cards based on value, benefits, and user satisfaction

Qantas Premier Platinum

American Express • Premium Rewards

BEST VALUE

Our top recommendation for frequent Qantas flyers with 100,000 point sign-up bonus worth ~$1,200, 1.25 pts/$ earn rate, and Qantas Club lounge access. The reduced $149 first-year fee makes this exceptional value.

Total Value (12 months)

$1,725

3.45% effective return

Sign-Up Bonus

100,000 pts

Annual Fee (Y1)

$149

Earn Rate

1.25 pts/$

Points Value

1.2¢/pt

✓ Qantas Club access✓ Travel insurance✓ Concierge

View Full Details →

Velocity Platinum

ANZ • Visa Network

Ideal for Virgin Australia loyalists with 90,000 point bonus, no foreign fees, and no first-year annual fee. Great for international travellers who want rewards without currency conversion charges.

Net Value (12 months)

$1,615

3.23% effective return

Sign-Up Bonus

90,000 pts

Annual Fee (Y1)

Earn Rate

1.25 pts/$

Foreign Fee

✓ Virgin lounge pass✓ No foreign fees✓ Travel insurance

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Explorer Credit Card

ANZ • Flexible Points

Maximum flexibility with transfers to 8+ airline programs including Qantas, Velocity, Singapore KrisFlyer, and Cathay Pacific. Perfect for strategic points collectors.

Net Value (12 months)

$1,575

3.15% effective return

Sign-Up Bonus

75,000 pts

Annual Fee (Y1)

Earn Rate

1.5 pts/$

Partners

8+ airlines

✓ 8 airline partners✓ No foreign fees✓ Highest earn rate

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Amex Platinum Charge

American Express • Ultra Premium

PREMIUM

Australia's premier ultra-premium card with 150,000 point bonus, unlimited lounge access, $450 travel credit, and 2.25 pts/$ earn rate. For high spenders who travel frequently.

Net Value (12 months)

$3,425

6.85% effective return

Sign-Up Bonus

150,000 pts

Annual Fee

$1,450

Earn Rate

2.25 pts/$

Travel Credit

$450/yr

✓ Unlimited lounge✓ $450 credit✓ Fine Hotels

View Full Details

28 Degrees Platinum

Latitude • No Fee Travel

NO FEE

The gold standard for international travellers. Zero annual fee forever and zero foreign transaction fees saves 3% on every overseas purchase. Essential for frequent travellers.

Fee Savings/Year

$150

On $5,000 international spend

Sign-Up Bonus

None

Annual Fee

$0 forever

Foreign Fee

Best For

Int'l travel

✓ Zero annual fee✓ Zero foreign fees✓ Low income req

View Full Details

Westpac Platinum Cashback

Westpac • Cashback

CASHBACK

Simple 1% cashback on all purchases with no category restrictions. No points to manage—just automatic cash credits. Perfect for those who want guaranteed, hassle-free value.

Net Value (12 months)

$671

1.34% guaranteed return

Cashback Rate

1.0% uncapped

Annual Fee (Y1)

Annual Cashback

$600

Signup Credit

$200

✓ 1% cashback✓ No points hassle✓ Travel insurance

View Full Details

More cards: Qantas Everyday • Velocity Flyer • CommBank Neo • Business Explorer • Qantas Business • Amplify Signature

View All 12 Cards →

Rewards Programs

Understanding Australia's major loyalty programs

Qantas Frequent Flyer

Australia's largest program with 14M+ members. Earn on flights, cards, and shopping. Best for Qantas and oneworld travellers.

1.0 - 1.8¢ per point

Learn More →

Velocity Frequent Flyer

Virgin Australia's program with Singapore Airlines partnership. Excellent for Asian routes and domestic travel.

0.9 - 1.7¢ per point

Learn More →

Amex Membership Rewards

Maximum flexibility with transfers to 8+ airlines including Qantas, Velocity, Singapore, and Cathay Pacific.

1.2 - 2.0¢ per point

Learn More →

Expert Guides

In-depth resources to master credit card rewards

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How to Choose a Card

Complete guide to selecting the right card for your spending and goals.

Read Guide →

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Points Valuation

Learn exactly how much Qantas, Velocity, and Amex points are worth.

Read Guide →

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Churning Strategy

Advanced guide to earning $2,000-$5,000/year through strategic applications.

Read Guide →

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Travel Redemptions

Best ways to use points for flights, including premium cabin sweet spots.

Read Guide →

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Business Cards

Turn business expenses into travel rewards with the right card.

Read Guide →

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FAQ

Common questions about credit scores, applications, and points.

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Australia's Most Accurate
Credit Card Comparison