Credit Cards with Online Banking Features

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.

1. Qantas Premier Titanium

Qantas points

$1,200 annual fee

Offer

150,000 Qantas points

Qantas Money Credit Cards App and Online Access to view balance, due dates and transactions (iOS 15+/Android 10+).

Spend $5,000 in 90 days (~$1,667/mo)

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

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2. Virgin Australia Velocity High Flyer Card

Velocity points

$349 annual fee

Offer

80,000 Velocity points

Manage the card via the Virgin Money app: track spending, lock/unlock the card instantly, set or change PIN, redeem rewards and transfer funds

Spend $7,000 in 60 days (~$3,500/mo)

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

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3. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

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

Estimated value after fees $1,216

Velocity flights

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4. Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Offer Expires in 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,123

Qantas flights

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5. Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

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

Estimated value after fees $1,121

Velocity flights

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6. Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance

Spend $6,000 in 90 days (~$2,000/mo)

Offer Expires in 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,028

Qantas flights

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7. Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)

Qantas points

$399 annual fee

No Qantas credit card in past 24 monthsCheck my eligibility

Offer

80,000 Qantas points

Qantas Money Credit Cards App (iOS and Android) to view credit card balance, due dates and transactions

Spend $5,000 in 90 days (~$1,667/mo)

$349 first year annual fee, $399 thereafter

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Estimated value after fees $1,011

Qantas flights

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8. Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Westpac App money management tools including cash flow and spend Categories, Cards Hub (order/lock card, change PIN), Quick Balance and Card Autopay

Spend $4,000 in 90 days (~$1,333/mo)

$99 first year annual fee, $175 thereafter

Craig's Take

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

Estimated value after fees $988

Velocity flights

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9. Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Westpac App money management tools including cash flow and spend Categories, Cards Hub (order/lock card, change PIN), Quick Balance and Card Autopay

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

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

Estimated value after fees $912

Velocity flights

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10.

10. Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

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

Estimated value after fees $841

Qantas flights

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11.

11. Virgin Australia Velocity Flyer Card

Velocity points

$169 annual fee

Offer

50,000 Velocity points

Manage the card via the Virgin Money app: lock/unlock the card instantly, set or change PIN, track spending and transfer funds

Spend $3,000 in 60 days (~$1,500/mo)

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

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12.

12. ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

50,000 Qantas points

Card management via ANZ Internet Banking and the ANZ App, including activating the card, setting a PIN and setting up automatic payments.

Spend $6,000 in 90 days (~$2,000/mo)

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

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13.

13. Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

Card management tools including PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders

Spend $12,000 in 365 days (~$986/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

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

Estimated value after fees $285

Krisflyer flights

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14.

14. Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Existing customers onlyCan I become an existing customer?

Offer

75,000 Westpac points

Manage the credit card in the Westpac App with budgeting, saving and account-management features

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

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

Estimated value after fees $281

Krisflyer flights

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15.

15. Bankwest Qantas Platinum Mastercard

Qantas points

$199 annual fee

Offer

20,000 Qantas points

Bankwest app money tools show what you owe, send repayment alerts, and track transactions, subscriptions and spending; plus biometric login, card locking and real-time notifications for unusual activity.

Spend $4,000 in 120 days (~$1,000/mo)

Craig's Take

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

Estimated value after fees $159

Qantas flights

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16.

16. Bankwest Qantas World Mastercard

Qantas points

$320 annual fee

Offer

20,000 Qantas points

In-app money tools: view what you owe, get repayment alerts, track transactions/subscriptions/spending, log in with biometrics, lock cards, and get notified of unusual activity.

Spend $4,000 in 120 days (~$1,000/mo)

Craig's Take

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

Estimated value after fees $64

Qantas flights

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17.

17. Westpac Low Rate Card (Existing Customers)

Westpac points

$84 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

Manage the credit card in the Westpac App with budgeting and savings features; Westpac Added Online Security and Fraud Money Back Guarantee for unauthorised transactions

Spend $0 in 0 days

Craig's Take

Value estimate unavailable

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