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Credit cards offering the biggest sign-up rewards point bonuses in November 2024

Vidhu Bajaj avatar
Vidhu Bajaj
- 3 min read
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If you’re searching for a credit card to maximise rewards, there are several options on the market that could earn you up to a six-figure bonus. Depending on the card you choose, you may be able to redeem these points for valuable perks such as free flights, travel upgrades, retail discounts, and more. However, accumulating rewards points may not be as simple as just signing up for a card; many card providers require you to meet specific terms and conditions to earn the bonus points. It’s worth reviewing the terms and conditions associated with each card to ensure you’re getting a deal that works for you.

While points hacking can be rewarding, it’s important to find a card that suits your unique financial situation. High-interest rates and annual fees can sometimes eat away at the benefits, so it’s crucial to evaluate whether the rewards justify the costs. Additionally, consider whether you can comfortably meet the spending requirements within the promotional period to fully benefit from the bonuses offered.

At present, some credit card issuers are offering six-figure bonus points ranging from 150,000 to 250,000 points. Be sure to compare your options and choose a card that aligns with your spending habits and lifestyle goals.

Credit cards offering the highest sign up Rewards Points in November 2024

 Card CompanyPurchase Rate % Points Conditions
Citi Prestige Card (Citi Rewards Program)Citi21.49%2,50,000Spend $10,000 within the first 90 days.
Citi Premier CardCiti21.49%2,00,000Spend $7,000 within the first 90 days and earn 150,000 bonus points and 50,000 bonus points if you keep the card for over 1 year.
Rewards BlackANZ Banking Group Limited20.99%1,80,000180,000 ANZ Rewards Points and $150 cashback when you spend $3,000 within the first 90 days.
Rewards Signature CardNational Australia Bank Limited20.99%1,80,000130,000 bonus points when you spend $3,000 within the first 60 days and 50,000 bonus points if you keep the card for over 1 year.
Amplify Signature (Amplify Rewards)St. George Bank20.99%1,50,000Spend $12,000 within the first 12 months from card approval in one or more transactions.
Altitude Black (Altitude Rewards)Westpac Banking Corporation Ltd.20.99%1,50,000100,000 Rewards Points in year 1 when you spend $6,000 within the first 120 days and 50,000 points after the first eligible purchase in year 2.

Source: RateCity.com.au. Data accurate as of 05 November 2024.

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Product database updated 13 Dec, 2024

This article was reviewed by Personal Finance Editor Mark Bristow before it was published as part of RateCity's Fact Check process.