Credit Card Eligibility & Exclusion Periods by Issuer
Each offer has its own card holding condition. The rows below show the card groups and periods covered by the published offer terms. Waiting periods start from the last date you held a covered card. An open covered card blocks the bonus.
Where an issuer has no confirmed period we show “No published exclusion period / not yet verified” rather than guessing a number.
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| Issuer | Exclusion period | Verified source |
|---|---|---|
| NAB Qantas Rewards Premium Card (NAB Qantas Rewards)Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 36 months. | 36 months | Official terms |
| NAB Qantas Rewards Signature Card (NAB Qantas Rewards)Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 36 months. 0.75 Qantas Points per $1 on the first $3,000 of eligible purchases per statement period. 0.25 Qantas Points per $1 on eligible purchases from $3,001 to $15,000 per statement period. | 36 months | Official terms |
| NAB Qantas Rewards Signature Card existing customer offer (NAB Qantas Rewards)Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 36 months. | 36 months | Official terms |
| NAB Rewards Platinum Card (NAB Rewards)Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months. | 24 months | Official terms |
| NAB Rewards Platinum Card with Velocity (NAB Rewards)You are not eligible for Bonus Points if you currently hold, or have held, a personal NAB Rewards Credit Card in the last 24 months. | 24 months | Official terms |
| ANZ Frequent Flyer Black (ANZ) | No published exclusion period / not yet verified | — |
| ANZ Frequent Flyer Platinum (ANZ) | No published exclusion period / not yet verified | — |
| ANZ Rewards Platinum (ANZ) | No published exclusion period / not yet verified | — |
| Bank of Melbourne Amplify Rewards Platinum (Bank of Melbourne) | No published exclusion period / not yet verified | — |
| Bankwest Qantas Platinum Mastercard (Bankwest)Earn 0.6 pts/$1 on first $2,500/month then 0.15 pts/$1. Second year bonus of 20k requires keeping account open for 15 continuous months. No foreign transaction fees. | No published exclusion period / not yet verified | — |
| Bankwest Qantas World Mastercard (Bankwest)Earn 1 pt/$1 on first $3,000/month then 0.2 pts/$1. Second year bonus of 20k requires keeping account open for 15 continuous months. No foreign transaction fees. | No published exclusion period / not yet verified | — |
| BOQ Platinum Visa Credit Card (BOQ) | No published exclusion period / not yet verified | — |
| CommBank Ultimate Awards Credit Card (with $4000 per month spend) (Commbank)$0 monthly card fee with $4,000 spend per statement period until 31 December 2026; $35 per month from 1 January 2027. Plus up to $300 in monthly travel credits each year while the card remains open. | No published exclusion period / not yet verified | — |
| ING Orange One Rewards Platinum (ING) | No published exclusion period / not yet verified | — |
| Macquarie Black Card (Macquarie)Available when packaging with a new or existing Macquarie home loan, or for Business Bank clients. $0 international purchase fees. | No published exclusion period / not yet verified | — |
| Macquarie Platinum Card (Macquarie)Available when packaging with a new or existing Macquarie home loan, or for Business Bank clients. $0 international purchase fees. | No published exclusion period / not yet verified | — |
| Macquarie RateSaver Card (Macquarie)Low interest card. Available when packaging with a new or existing Macquarie home loan, or for Business Bank clients. $0 international purchase fees. | No published exclusion period / not yet verified | — |
| MONEYME Cashback Rewards (MONEYME) | No published exclusion period / not yet verified | — |
| MyCard Premier (MyCard)No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard. | No published exclusion period / not yet verified | — |
| MyCard Premier Qantas (MyCard)No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard. | No published exclusion period / not yet verified | — |
| MyCard Premier Velocity (MyCard)No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard. | No published exclusion period / not yet verified | — |
| MyCard Rewards (MyCard)No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard. | No published exclusion period / not yet verified | — |
| MyCard Rewards Velocity (MyCard)No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard. | No published exclusion period / not yet verified | — |
| Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months) (Qantas Premier)Independent condition: no Qantas points earned through any credit card in the last 24 months. Bonus only if you haven’t earned Qantas Points with a credit card in the last 24 months. | No published exclusion period / not yet verified | — |
| Qantas Premier Titanium (Qantas Premier) | No published exclusion period / not yet verified | — |
| St.George Amplify Platinum - Qantas (St.George) | No published exclusion period / not yet verified | — |
| St.George Amplify Qantas Signature (St.George)1.5 Qantas Points per $1 on international spend. 0.8 Qantas Points per $1 on everyday spend. 0.4 Qantas Points per $1 on all other eligible purchases. After $10,000 spend in a statement cycle, earn 0.25 Qantas Points per $1 on further eligible purchases. | No published exclusion period / not yet verified | — |
| St.George Amplify Rewards Platinum (St.George) | No published exclusion period / not yet verified | — |
| St.George Amplify Rewards Signature (Existing customers, through log in) (St.George) | No published exclusion period / not yet verified | — |
| The American Express Platinum Card Referral Offer (American Express)Personalised referral offer. Receive 225,000 Membership Rewards points after $5,000 eligible spend in the first 3 months from approval. Receive another 100,000 points after $5,000 eligible spend in the first 3 months of the second membership year, if you remain on the Platinum Card. New American Express Card Members only: no Amex Australia Card now or in the prior 18 months. Amex can change or withdraw this personalised offer at any time. | No published exclusion period / not yet verified | — |
| The American Express Platinum Edge Credit Card (American Express) | No published exclusion period / not yet verified | — |
| The American Express Velocity Platinum Card (American Express)Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities after your first Card spend each anniversary year. Receive 100 Velocity Frequent Flyer Status Credits when you spend at least $50,000 on eligible purchases in your Card Membership year. | No published exclusion period / not yet verified | — |
| The Qantas American Express Ultimate Card (American Express) | No published exclusion period / not yet verified | — |
| The Qantas American Express Ultimate Card Referral Offer (American Express) | No published exclusion period / not yet verified | — |
| Virgin Australia Velocity Flyer Card (Virgin Money)25,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval. 129 Virgin Australia Gift Voucher, each year17,when you make a retail purchase in the 2 months prior to requesting the voucher. | No published exclusion period / not yet verified | — |
| Virgin Australia Velocity High Flyer Card (Virgin Money)80,000 bonus Velocity Points20 (40,000 Velocity Points each month you spend $3,500 or more on eligible purchases in the first 2 months from card approval) | No published exclusion period / not yet verified | — |
| Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers) (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Qantas Black (Westpac)Includes 50 Qantas Status Credits after $6,000 eligible spend within 90 days. The Status Credits promotion ends 28 October 2026. | No published exclusion period / not yet verified | — |
| Westpac Altitude Qantas Platinum (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Rewards Black (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Rewards Platinum (existing customers) (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Velocity Black (Existing customers) (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Velocity Black (Westpac) | No published exclusion period / not yet verified | — |
| Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers) (Westpac)You'll also get two Economy X Seat Upgrade Vouchers each year for selected domestic Virgin Australia flights7. Available when you spend with Virgin Australia on your Mastercard. See FAQs for details. | No published exclusion period / not yet verified | — |
| Westpac Altitude Velocity Platinum (Westpac)You'll also get two Economy X Seat Upgrade Vouchers each year for selected domestic Virgin Australia flights7. | No published exclusion period / not yet verified | — |
| Westpac Low Rate Card (Existing Customers) (Westpac)First year card fee waived for existing Westpac customers, then $7/month. | No published exclusion period / not yet verified | — |
Group rules: when one bonus blocks another brand
A rule can cover several card groups, including groups owned by different banks. Only the groups stated in the target offer terms count. The table shows the exact published scope. A shared points program does not establish card group membership.
How exclusion periods work
Exclusion periods exist so issuers can limit how often the same person earns a sign-up bonus. Each offer’s terms state the covered card groups and the period after the last date you held a covered card. Independent points restrictions can also apply. Periods change as banks update their terms; the values here are kept in line with our eligibility engine.
Frequently asked questions
Exclusion periods are set by each issuer and can change at any time. Always confirm the current terms with the issuer before applying.