Skip to content

Explore CraigSaves

CraigSavesSign in

Credit Cards with Digital Wallet Integration

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.

Image of The American Express Platinum Card Referral Offer credit card
1. The American Express Platinum Card Referral Offer
American Express points
$1,450 annual fee
Referral offerHow referrals work
Offer
225,000 American Express points
Eligible for use with Apple Pay, Samsung Pay and Google Pay; if the Card is lost or stolen you can continue to pay with your smartphone while a replacement Card is delivered.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Estimated value after fees $1,408

Velocity flights

Read my analysis
Image of Qantas Premier Titanium credit card
2. Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Supports Apple Pay and Google Pay for contactless payments.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Estimated value after fees $1,300

Qantas flights

Read my analysis
Image of The American Express Velocity Platinum Card credit card
3. The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Compatible with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 days (2026-10-13)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Estimated value after fees $1,241

Velocity flights

Read my analysis
Image of Virgin Australia Velocity High Flyer Card credit card
4. Virgin Australia Velocity High Flyer Card
Velocity points
$349 annual fee
Offer
80,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay for contactless payments
Spend $7,000 in 60 days (~$3,500/mo)
Craig
Craig's Take

Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.

Estimated value after fees $1,229

Velocity flights

Read my analysis
Image of The Qantas American Express Ultimate Card credit card
5. The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Eligible for use with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

Read my analysis
Image of The Qantas American Express Ultimate Card Referral Offer credit card
6. The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Eligible for use with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

Read my analysis
Image of Westpac Altitude Velocity Black (Existing customers) credit card
7. Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,216

Velocity flights

Read my analysis
Image of Westpac Altitude Velocity Black credit card
9. Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,121

Velocity flights

Read my analysis
Image of Westpac Altitude Qantas Black credit card
10. Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $6,000 in 90 days (~$2,000/mo)
Offer Expires in 17 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,028

Qantas flights

Read my analysis
Image of Westpac Altitude Velocity Platinum credit card
13. Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $912

Velocity flights

Read my analysis
Image of Westpac Altitude Qantas Platinum credit card
14. Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $841

Qantas flights

Read my analysis
Image of Virgin Australia Velocity Flyer Card credit card
15. Virgin Australia Velocity Flyer Card
Velocity points
$169 annual fee
Offer
50,000 Velocity points
Card can be linked to Apple Pay, Samsung Pay and Google Pay for contactless payments
Spend $3,000 in 60 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $169 fee.

Estimated value after fees $836

Velocity flights

Read my analysis
Image of ANZ Rewards Platinum credit card
16. ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices
Spend $3,500 in 90 days (~$1,167/mo)
Craig
Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Estimated value after fees $668

Velocity flights

Read my analysis
Image of ANZ Frequent Flyer Black credit card
17. ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
50,000 Qantas points
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Estimated value after fees $471

Qantas flights

Read my analysis
Image of Westpac Altitude Rewards Black credit card
18. Westpac Altitude Rewards Black
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $285

Krisflyer flights

Read my analysis
19. Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Existing customers onlyCan I become an existing customer?
Offer
75,000 Westpac points
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $281

Krisflyer flights

Read my analysis
20. ING Orange One Rewards Platinum
Cashback points
$149 annual fee
Offer
0 Cashback points
Supports Apple Pay and Google Pay
Spend $0 in 0 days
Craig
Craig's Take
Estimated value after fees $211

Cashback at $3,000/month spend

Read my analysis
21. MONEYME Cashback Rewards
Cashback points
$149 annual fee
Offer
0 Cashback points
Digital card can be added to a mobile wallet as soon as the application is approved
Spend $0 in 0 days
Craig
Craig's Take
Estimated value after fees $211

Cashback at $3,000/month spend

Read my analysis
22. Bankwest Qantas Platinum Mastercard
Qantas points
$199 annual fee
Offer
20,000 Qantas points
Digital wallet support lets you start spending instantly without needing a physical card.
Spend $4,000 in 120 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $159

Qantas flights

Read my analysis
Image of ANZ Frequent Flyer Platinum credit card
23. ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
25,000 Qantas points
Compatible with mobile digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices
Spend $3,500 in 120 days (~$875/mo)
Craig
Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Estimated value after fees $147

Qantas flights

Read my analysis
24. Bankwest Qantas World Mastercard
Qantas points
$320 annual fee
Offer
20,000 Qantas points
Digital wallet support in the Bankwest app; start spending instantly without needing a physical card.
Spend $4,000 in 120 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $64

Qantas flights

Read my analysis
Image of The American Express Platinum Edge Credit Card credit card
25. The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Compatible with Apple Pay, Samsung Pay and Google Pay
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Value estimate unavailable

Read my analysis