Credit card comparison
Compare Australian rewards credit cards by headline points offer, annual fee, minimum spend, and practical trade-offs.
Offers checked: 26 May 2026
Frequent Flyer Black
90,000 Qantas Points + $200 back
Annual fee
$425 package fee
Minimum spend
$5,000 in 3 months
Best for
Qantas collectors who can clear the balance monthly and meet the spend without forcing purchases.
Watch out
Higher annual fee and eligibility rules for previous cardholders.
Qantas Rewards Signature
Up to 130,000 Qantas Points + $250 cashback
Annual fee
Reduced first-year fee
Minimum spend
Check current NAB terms
Best for
People comparing Qantas points with a first-year cashback offset.
Watch out
Bonus points are restricted for recent NAB Qantas cardholders.
Altitude Rewards Black
Up to 200,000 Altitude Rewards Points
Annual fee
$200 first year, then $295 p.a.
Minimum spend
$12,000 per year for staged bonus
Best for
Flexible rewards users who prefer bank points over a single airline program.
Watch out
The headline bonus is staged across two years and requires ongoing spend.
Rewards Signature
Up to 110,000 NAB Rewards Points
Annual fee
Monthly fee may be waived
Minimum spend
$5,000 in 90 days for first bonus
Best for
People who want uncapped NAB Rewards rather than airline-only points.
Watch out
NAB Rewards Points cannot be redeemed for Qantas Points.
Explorer
$400 annual travel credit
Annual fee
$395 p.a.
Minimum spend
Check current Amex terms
Best for
Travel-focused users who can use the annual travel credit naturally.
Watch out
Amex acceptance and surcharge rules vary by merchant.
General information only
Early access
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