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.
Up to 44 interest-free days on retail purchases when the closing balance is paid in full by the due date.
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.
Qantas flights
Up to 55 interest-free days on purchases
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Velocity flights
Interest-free period available on purchases
Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.
Velocity flights
Up to 44 interest-free days on purchases
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Qantas flights
Up to 44 interest-free days on purchases
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Qantas flights
Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Velocity flights
Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Qantas flights
Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Velocity flights
Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
Moderate spend — $67/day for 90 days. Poor ongoing earn rate.
Qantas flights
Up to 44 interest-free days on retail purchases when the Interest Free Days Payment is paid in full by the payment due date
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Qantas flights
Up to 45 interest-free days on purchases when the Closing Balance is paid in full by the payment due date; cash advances are not covered
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Velocity flights
Up to 45 interest-free days on purchases when the Closing Balance is paid in full by the payment due date; cash advances are not covered
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Velocity flights
Up to 44 interest-free days on retail purchases
Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.
Velocity flights
Up to 44 interest-free days on retail purchases
Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.
Velocity flights
Up to 45 interest-free days on purchases when the Closing Balance is paid in full by the due date; cash advances are not covered
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Qantas flights
Up to 44 days interest free on retail purchases when the balance is paid in full each month, excluding cash advances and balance transfers.
Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $169 fee.
Velocity flights
Up to 44 interest-free days on retail purchases
Moderate spend — $56/day for 90 days. Poor ongoing earn rate.
Velocity flights
Up to 44 interest-free days on purchases when the full closing balance shown on the statement is paid by the due date each month
Moderate spend — $100/day for 90 days. Poor ongoing earn rate.
Coles gift cards
Interest-free period of up to 55 days on the Purchases balance when the full Closing Balance (or Adjusted Closing Balance) is paid by the Due Date each statement period
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Velocity flights
Up to 44 interest-free days on purchases when the account is paid in full by the due date
Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.
Qantas flights
Up to 44 interest-free days on purchases
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Velocity flights
Up to 44 interest free days on purchases when the account is paid in full (or the interest free days payment) by the monthly due date
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Velocity flights
Up to 44 interest-free days on retail purchases
Moderate spend — $56/day for 90 days. Good ongoing earn rate.
Velocity flights
Up to 44 interest-free days on purchases (up to 55-day interest-free period available); no interest charged on the Purchases balance when the full Closing Balance or Adjusted Closing Balance is paid by the Due Date each statement period.
Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.
Qantas flights
Up to 44 interest-free days on purchases when the account is paid in full by the due date
Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.
Qantas flights
Up to 44 interest-free days on retail purchases.
Moderate spend — $78/day for 90 days. Average ongoing earn rate.
Qantas flights
Up to 44 interest-free days on purchases when the account is paid in full by the due date each month
Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.
Qantas flights
Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances are not covered
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Krisflyer flights
Up to 45 interest-free days on purchases when the closing balance is paid in full by the payment due date
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Krisflyer flights
Up to 44 interest-free days on purchases, unless there is a balance transfer on the account.
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Woolworths gift cards
Up to 45 days interest free on purchases
Cashback at $3,000/month spend
Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
Cashback at $3,000/month spend
Up to 44 days interest free on purchases; not applicable to cash advances or balance transfers.
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Qantas flights
Up to 55 interest-free days on the Purchases balance when the Closing Balance (or Adjusted Closing Balance) is paid in full by the Due Date
Easy $29/day spend to hit the bonus. Good ongoing earn rate.
Qantas flights
Up to 44 days interest free on purchases (not applicable to cash advances or balance transfers).
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Qantas flights
Up to 55 interest-free days on purchases when the full closing balance is paid by the due date each month; no interest-free period on balance transfers
Average ongoing earn rate. $200 cashback covers the $195 fee.
Value estimate unavailable
Read my analysisUp to 55 interest-free days on purchases when the Closing Balance (or Monthly Payment Balance if you have a balance transfer, SmartPlan or PartPay) is paid in full by the payment due date
Value estimate unavailable
Read my analysis