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★ THE HONEST NUMBER ON EVERY CARD IN AUSTRALIA222 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSCOMMONWEALTH BANK OF AUSTRALIA (COMMBANK) · AMERICAN EXPRESS AUSTRALIA · WESTPAC · NATIONAL AUSTRALIA BANK (NAB) · ANZ · BANKWEST · BANK OF MELBOURNE

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 222 cards we track in Australia — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 222 cards in our Australia catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 222 cards we track in Australia against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in Australia.

the full index · pointsexplained.com/au222 CARDS

CardFeeWelcomeTop rate
A$300100,000 pts—
Bendigo Platinum Rewards Credit Card
Bendigo and Adelaide Bank
A$89—1.5x Other
A$249100,000 pts—
NAB Qantas Rewards Premium Card
National Australia Bank (NAB)
A$29525,000 pts—
NAB Qantas Rewards Signature Card
National Australia Bank (NAB)
A$44940,000 pts—
NAB Rewards Signature Card
National Australia Bank (NAB)
A$35/monthNot yet checked with National Australia Bank (NAB)80,000 pts—
A$29930,000 pts—
A$998,000 pts—
A$1,200150,000 pts—
A$395250,000 pts—

not yet checked against a published document

212 more, ranked for your exact spending
See my full ranking

Australia, by the numbers.

i.
222
cards tracked
ii.
70
issuers covered
iii.
168
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1¢" is usually wrong — and the number that matters.
6 MIN
1¢1.6¢2.1¢SAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND A$3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −A$156EARN +A$1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+A$50+A$50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in Australia
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

First-year value across 222 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · AUSTRALIASCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
REWARDS№ 1

Rewards

116 cards in Australia.

116 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

ANZ Qantas Business Rewards · Bendigo Platinum Rewards Credit Card · NAB Qantas Rewards Premium Card

Browse all 116
LOW INTEREST№ 2

Low Interest

82 cards in Australia.

82 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

ANZ Business Low Rate · ANZ Low Rate · Australian Mutual Bank Low Rate Visa Credit Card

Browse all 82
PREMIUM№ 3

Premium

71 cards in Australia.

71 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

ANZ Qantas Business Rewards · Bendigo Platinum Rewards Credit Card · NAB Qantas Rewards Premium Card

Browse all 71
TRAVEL INSURANCE№ 4

Travel Insurance

69 cards in Australia.

69 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

ANZ Qantas Business Rewards · Bendigo Platinum Rewards Credit Card · NAB Qantas Rewards Premium Card

Browse all 69
BUSINESS№ 5

Business

45 cards in Australia.

45 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

ANZ Qantas Business Rewards · The American Express® Business Gold Plus Card · The American Express® Platinum Business Card

Browse all 45
WELCOME BONUS№ 6

Welcome Bonus

44 cards in Australia.

44 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

ANZ Qantas Business Rewards · MyCard Rewards Credit Card · NAB Qantas Rewards Premium Card

Browse all 44
AIRLINE№ 7

Airline

37 cards in Australia.

37 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

ANZ Qantas Business Rewards · NAB Qantas Rewards Premium Card · NAB Qantas Rewards Signature Card

Browse all 37

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.