Compare cards
Based on A$4,000/mo · 10% overseas. The best value in each row is marked “Best”.
Summary
Points a year
37,40045,400Best39,200
Annual fee
A$0BestA$108A$95
Net value
+A$374Best+A$346+A$297
Yearly earn by category
Dining & cafés
10,80027,400Best11,700
Groceries
5,4003,6005,900Best
Transport & fuel
3,6002,4003,900Best
Online shopping
7,2004,8007,800Best
Bills & subscriptions
1,8001,7002,000Best
Travel & airfare
5,000Best2,4004,100
Everything else
3,6003,1003,900Best
Programs & perks
Earns
Qantas Frequent FlyerVelocity Frequent FlyerVelocity Frequent Flyer
Overseas rate
0.75 pts / A$10.5 pts / A$11 pts / A$1
Perks
No annual fee, purchase and refund cover, up to 4 free additional cardsAmex Experiences ticketing perks, smartphone screen cover, purchase/refund coverA$50 Virgin Australia statement credit (ends 31 Dec 2026), travel insurance
Verified 2026-10-01 · issuer disclosures · 1 point ≈ 1¢·Report an error