```html

Compare points-earning credit cards

A beginner-friendly guide to Australian credit cards that can help you earn Qantas Points, Velocity Points and flexible rewards points. Start with the bonus offer, but always check the annual fee, spend target and whether the card actually suits how you spend.

Compare cards Learn how bonus points work
The Reward Pilot may earn a commission if you apply through some links in the future. Offers, fees and eligibility rules change often, so always check the official provider page before applying.

Before you chase points

Points are only worth chasing if the card fits your budget. The best offer is not always the biggest number.

Check the spend target Can you meet the minimum spend without buying things you do not need?
Compare the annual fee A huge bonus can still be poor value if the fee is too high for your situation.
Know the program Qantas, Velocity and bank reward points all work differently.
Pay it off monthly Interest charges can wipe out the value of any points very quickly.

Popular points card options

These are example cards to help you compare the market. Replace any direct provider links with your affiliate links once they are approved.

New to points?

Read these first so you understand what you are applying for and how the points actually work.

💳
How bonus points really work Minimum spend, eligibility rules and why the headline number is not everything.
✈️
Best Qantas cards A beginner-friendly guide to earning Qantas Points from credit cards.
🛫
Best Velocity cards How to compare Velocity cards and what perks to look for.
🔁
Transfer partners explained Learn how flexible rewards points can become airline points.

How The Reward Pilot compares cards

We focus on practical value for everyday Australians, not just the biggest bonus number. A card rates better when the offer is clear, the spend target is realistic, the annual fee is reasonable, and the points are useful for real travel goals.

  • Bonus points and minimum spend
  • Annual fee and first-year value
  • Qantas, Velocity or flexible rewards usefulness
  • Travel perks like lounge passes, insurance or flight credits
  • How beginner-friendly the card is

Last checked

Card examples on this page should be checked against official provider pages before applying. Add a checked date to each card when you update the offer details.

Page last reviewed: June 2026
Best used for: Shortlisting cards before checking the official offer page.

Not sure where to start?

Start with your preferred airline program. If you mostly fly Qantas, compare Qantas cards. If you prefer Virgin Australia, compare Velocity cards. If you want flexibility, look at bank rewards cards with transfer partners.

Start here
This page is general information only and does not take into account your objectives, financial situation or needs. It is not personal financial advice or credit advice. Credit card offers, fees, bonus points, eligibility criteria and terms can change at any time. Always read the official provider page, Target Market Determination and terms before applying.
```