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Why These Rewards Cards Are Worth Your Wallet
Compare top rewards cards for the best value this July
Quick Picks
Best overall: ANZ Rewards Black.
Best budget: Coles Rewards Mastercard.
Best for beginners: Citi Rewards Card.
Premium Rewards Cards
For those who value high earning potential and premium perks, consider these top-tier cards.
ANZ Rewards Black Credit Card
The ANZ Rewards Black card delivers with a 180,000-point welcome package and 2 points per A$1 spent up to A$5,000 each statement. It's a strong choice if you value flexible airline and retail rewards, but the A$375 annual fee and A$15,000 credit limit might be a barrier for some.
Coles Rewards Mastercard
While the Coles Rewards Mastercard lacks the premium perks of ANZ, it compensates with no annual fee and a solid 2x Flybuys earn rate at Coles supermarkets. It's a practical pick for those who frequent Coles.
If you're starting out with rewards cards, consider options with lower entry barriers and simpler rewards structures.
Beginner-Friendly Rewards Cards
These options are accessible and offer a taste of rewards without hefty fees.
Citi Rewards Card
Citi Rewards Card is waived for the first year, making it an approachable entry point into Citi's rewards ecosystem. The 2x points at supermarkets offer decent value, though the A$149 fee after the first year and A$35,000 income requirement could deter some.
Whether you're seeking high rewards rates or a beginner-friendly entry point, these cards offer something for different spending habits. Remember, the value of a rewards card often depends on how well it aligns with your spending patterns and financial goals.