Find and compare 50,000+ bonus point credit cards

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$80

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$375

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$295

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$425

$20

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$49

for 12 months then $149

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$249

$30

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$395

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$349

$20

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Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

for 12 months then $395

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$195

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$289

$30

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$300

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $150

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $200

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$250

$15

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$199

for 12 months then $299

$30

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$1200

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$420

$20

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$395

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$450

$30

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$375

$30

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$270

$25

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$64.5

for 12 months then $129

$30

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$149

for 12 months then $299

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$249

$20

More details

Learn more about credit cards

With so many credit cards on the market, many lenders offer rewards for new customers as an added benefit to choosing their credit cards. Some providers even offer credit cards with 50,000+ bonus points available, which can be redeemed for a variety of rewards.

What are credit cards with bonus points?

Credit cards with bonus points are a type of rewards card. With these cards, you can earn points from everyday spending as well as receive bonus points if you meet certain conditions. The requirements for earning bonus points differ depending on the provider, but typically involves a spending threshold during a specific timeframe.

For example, a provider could stipulate that in order to earn 50,000 bonus points (on top of points earned with regular spending), you need to spend $3,000 on purchases within the first 60 days of the account opening.

What can I spend my bonus points on?

Rewards credit cards such as credit cards with bonus points generally earn you points for every $1 spent on eligible transactions. Once you have earned enough points, you can redeem them for rewards. Some of the most common reward types include:

  • Flights
  • Flight upgrades
  • Accommodation
  • Gift cards
  • Cashback
  • Fuel vouchers
  • Shopping discounts
  • Merchandise
  • Event tickets

Rewards and points programs differ from lender to lender, so it’s best to do some research to find the right program to suit your requirements.

Factors to consider when choosing a rewards card

Whether you’re looking for a standard rewards card or a credit card with bonus points, consider the following factors when shopping around:

  • Eligible transactions – Not all transactions are considered ‘eligible’ for earning points or bonus points. Check the fine print the see what’s included.
  • Types of rewards – Every rewards program is different, so choose an option with points that can be redeemed for rewards that appeal to you.
  • Bonus points available – Some providers offer credit cards with 50,000+ bonus points, while others offer other rewards such as cashback. Compare your options to see which will provide you with the most value.
  • Conditions for bonus points – Most credit cards with bonus points come with a set of conditions for earning those points, such as minimum spend over a certain period. Make sure you understand the conditions before signing up.
  • Points required to redeem – Every reward available has a points value (e.g. 10,000 points for a $50 fuel voucher). The points required to redeem rewards differ depending on the credit card provider.
  • Fees and interest – Rewards cards tend to come with higher fees and interest rates than standard cards. It’s important to weigh up your options to make sure the benefits are worth the cost.

Where to find credit cards with 50,000+ bonus points

There are a variety of rewards credit cards to choose from based on the benefits you want. Many rewards card providers also offer bonus points for a limited time or during promotional periods. With RateCity, you can compare rewards credit cards and stay on top of the latest bonus points offers.

Frequently asked questions

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

Can I get a credit card on part-time/casual work?

Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

How to get a free credit card

There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.

However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

Are there credit cards for students?

Yes, there are credit cards available with students in mind. These can help young Australians to build their credit report and learn crucial life skills around budgeting and managing personal finances.

Can I get a credit card with bad credit?

Yes, some lenders will provide credit cards to Australians with bad credit scores. It depends on the provider's individual lending criteria and whether you’ve presented your personal finances to show you’re an ‘ideal’ applicant.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.

How do you pay off credit cards?

The best way to pay off a credit card bill is to set a realistic spending budget and stick to it. Each month, you’ll get a credit card statement detailing how much you owe and how long it will take to pay off the balance by making minimum repayments. If you only make the minimum repayments, it will take you years to pay off your outstanding balance and add extra costs in interest charges. To avoid any extra charges, you should pay the entire bill. 

What happens if I have a bad credit score?

If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.

Why should I check my credit rating?

There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.

Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.

Why do different credit reporting bureaus use different scores?

The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.

However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.