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.
Reduced first year annual fee of $349, usually $399
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Qantas flights
No monthly fee ($35 otherwise) in any statement period where at least $4,000 is spent on the card; spend includes purchases and cash advances minus refunds
Moderate spend — $100/day for 90 days. Poor ongoing earn rate.
Coles gift cards
No annual Altitude Rewards Program fee. Reduced first year card fee of $200 (or $99 for existing Westpac customers) for Altitude Rewards Black card, reverting to $295 thereafter.
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Krisflyer flights
No annual fee on a new Platinum Visa Credit Card while the cardholder has a home loan with BOQ. This offer is available only in branch and not in conjunction with other offers.
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Woolworths gift cards
No credit card annual fee when the card is held as the optional eligible credit card in a Complete Home Loan Package (one card per customer); terms and conditions apply.
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Qantas flights
No credit card annual fee when the Bankwest Qantas World Mastercard is held as an eligible card under the Complete Home Loan Package.
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Qantas flights
$0 annual card fee in the first year (usually $195) for new Card Members who apply online and are approved
Average ongoing earn rate. $200 cashback covers the $195 fee.
Value estimate unavailable
Read my analysisFirst year $59 annual card fee waived for existing Westpac customers; $59 ongoing annual card fee thereafter
Value estimate unavailable
Read my analysis