Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.
Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Velocity flights
Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Qantas flights
Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Velocity flights
Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Qantas flights
Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Velocity flights
Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Velocity flights
Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Qantas flights
Digital cards available for use in a digital wallet; replacement digital cards faster than postal delivery
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Velocity flights
Digital card available for use immediately while the physical card arrives within five working days
Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.
Qantas flights
Digital card available for use immediately after approval, before the physical card arrives within five working days
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Velocity flights
Digital cards available for use in a digital wallet; replacement digital cards are issued faster than a posted physical card.
Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.
Qantas flights
Digital card available for use immediately while the physical card arrives within five working days
Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.
Qantas flights
Digital card available for immediate use once approved, before the physical card arrives
Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.
Qantas flights
Instant Digital Card available from the moment the account is opened, before the physical card arrives
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Krisflyer flights
Digital card with Dynamic CVC; the 3-digit security number changes every 24 hours for added fraud protection
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Krisflyer flights
Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
Cashback at $3,000/month spend
Create a single-use or multi-use virtual card in the Bankwest app to make purchases without using your regular card details.
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Qantas flights
Digital cards can be added to a digital wallet and are issued faster than a replacement card by post
Easy $29/day spend to hit the bonus. Good ongoing earn rate.
Qantas flights
Create a single-use or multi-use virtual card in the Bankwest app to make purchases without using your regular card details.
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Qantas flights
Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection
Value estimate unavailable
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