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Your Monthly Spend
$ 1000
Months to Forecast
24

Total Rewards Points Forecast

Rewards Points Forecast by Month

 ANZ Frequent Flyer Black

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NAB Qantas Rewards Signature Card

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St.George Amplify Signature - Qantas Offer

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Qantas American Express Ultimate Card

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Westpac Altitude Black - Qantas Offer

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Qantas Premier Platinum Credit Card

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Total Points

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Basics
Rewards Program
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Offer Ends
02 Mar 2021
05 Apr 2021
31 Mar 2021
24 Feb 2021
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
20.24% p.a.
Interest rate payable on the remaining balance of debt that has been transferred to this card
0% p.a. for 6 months with a 2% balance transfer fee
Interest rate payable on the remaining balance of debt that has been transferred to this card
0% p.a. for 6 months with a 0% balance transfer fee
6.99% p.a.
0% p.a. for 18 months with a 0% balance transfer fee
No Interest free days apply to retail purchases while you have a Balance Transfer.
Balance Transfer Months
Number of months the promotional balance transfer offer applies
6 months
6 months
12 months
18 months
Balance Transfer Fee
Fee incurred for processing a balance transfer
2%
0%
1%
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
21.74% p.a.
21.49% p.a.
Variable cash advance rate
21.49% p.a.
21.99% p.a.
Balance Transfer Limit
Maximum percentage of your approved credit card limit that can be used for the balance transfer
90%
80%
80%
80%
Purchase Rate
The standard interest rate that applies to purchases on the card
20.24% p.a.
19.99% p.a.
19.74% p.a.
20.74% p.a.
20.49% p.a.
19.99% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 55 days
Up to 44 days
Up to 55 days
Up to 44 days
Up to 45 days
Up to 55 days
Cash Advance Rate
Interest rate incurred for a cash advance
20.24% p.a.
21.74% p.a.
21.49% p.a.
21.49% p.a.
21.99% p.a.
Minimum Credit Limit
$15,000
$15,000
$15,000
$2,000
$15,000
$6,000
Maximum Credit Limit
$80,000
$75,000
Card Type
Visa
Visa
Visa
American Express
Mastercard
Mastercard
Mobile Cardless Payments
Yes
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Yes
Apple Pay
Samsung Pay
Google Pay
NAB Pay
Yes
Apple Pay
Google Pay
Samsung Pay
Yes
Apple Pay
Google Pay
Samsung Pay
Yes
Apple Pay
Samsung Pay
Google Pay
Garmin Pay
Fitbit Pay
Yes
Apple Pay
Google Pay
Samsung Pay
Other Requirements
Yes
Don't currently hold and haven't opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months
Fees
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$425
Includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee
$295 for the first year then $395 p.a.
$139 p.a.
$139 for the first year, $279 thereafter
$450 p.a.
$300 p.a.
Includes $250 annual fee and $50 Qantas membership rewards fee
$299 p.a.
Cash Advance Fee
2% or $4, whichever is greater
2% or $2.50, whichever is greater
2% or $1.50, whichever is greater, capped at $150
2% or $2.50, whichever is greater
$3 or 3%, whichever is greater
Minimum Monthly Repayment
The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.
2% or $25, whichever is greater
2% of the closing balance or $10, whichever is greater
If the closing balance is less than $10, it must be paid in full
2.5% or $30, whichever is greater
2% of the closing balance or $10, whichever is greater
2% or $30 or the sum of 1% of closing balance + late payment fee (if any) + interest for the month
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$20
$15
$15
$30
$15
$30
International Cash Advance Fee
2% or $4, whichever is greater
2% or $2.50, whichever is greater
$2.50 or 2% of the cash advance amount (whichever is greater)
2%
$5
International ATM Withdrawal Fee
$5
$5
International Transaction Fee
Fee incurred for transactions made in foreign currency
3% of transaction amount
3% of the transaction value
3% of the transaction value
Note that this fee is charged even when trading in Australian dollars if the merchant is based overseas.
3% of the transaction value
3% of the transaction value
3% of the transaction value
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$65
$0
$0 p.a.
$0 p.a.
$0
$50 p.a.
Maximum Additional Cardholders
Maximum number of additional cardholders
Up to 9
Up to 1
Up to 1
Note, more than 1 cardholder can be added, however at a cost.
Up to 4
Up to 1
Dishonour Fee
$9
$6
Charged each time a cheque or Direct Debit payment is dishonoured
$15
Rewards
Bonus Points
The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs.
120,000
Earn 120,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.
130,000
Earn 100,000 bonus Qantas points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points after your first anniversary.
90,000
Earn 90,000 bonus Qantas points with your new St.George Amplify Signature card when you spend at least $6,000 on eligible purchases within 90 days of card approval.
100,000
Receive 100,000 bonus Qantas points when you apply online, are approved, and spend $3,000 on your new card within the first 3 months.
120,000
Earn 80,000 bonus Qantas Points when you spend $4,000 within 90 days of card approval. Earn an additional 30,000 bonus points after making one eligible purchase in your second year of the card being opened.
100,000
Earn 100,000 bonus Qantas Points when you apply by 30 November, are approved, and spend $4,000 on eligible purchases within the first 3 months.
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
1 points per $
Earn 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period
1 points per $
Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases then 0.5 Qantas Points per $1 from $5,000 to $20,000 on everyday purchases (capped at $20,000 dollars)
0.75 points per $
Earn 0.75 Qantas Points for each dollar spent on eligible purchases. Uncapped.
1.25 points per $
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia
0.75 points per $
0.75 points per $ on eligible purchases
1 point per $
Earn 1 point per dollar for the first $10,000, then 0.5 points thereafter.
Earn 1.5 points per dollar on eligible international purchases
Earn 1 additional Qantas point when shopping with Qantas
Rewards Points per $ Cap
A threshold for the number of rewards points that can be earned in a period of time
Capped at $20,000
Capped at $20,000 of spend
Eligibility
Minimum Income
$65,000
$75,000
$35,000
Minimum Age
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
Temporary Resident Application
Yes, conditions apply
Must have more than 9 months available on Visa
Yes - conditions apply, see bank site for details
No
Yes - conditions apply, see bank site for details
Long term visa required (12 months or more), does not include student visa
Yes - conditions apply, see bank site for details
No
Joint Application
No
No
No
No
Extras
Travel Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
International Travel Insurance
Interstate Flight Inconvenience Insurance
Rental Vehicle Excess in Australia
Transit Accident Insurance
Yes
Overseas Travel Insurance
Interstate Flight Inconvenience Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
Yes
Yes
Medical emergency expenses cover
Transport accident cover
Travel cancellation cover
Baggage, money & documentation cover
Yes
Overseas travel insurance for persons up to and including 80 years of age
Interstate flight inconvenience insurance
Transit accident insurance
Rental vehicle excess in Australia insurance
Yes
Purchase Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
Purchase Protection Insurance
Extended Warranty Insurance
Guaranteed Pricing Scheme
Yes
Extended Warranty Insurance
Price Protection Insurance
Purchase Protection Insurance (Personal Items)
Yes - terms, conditions, limits and exclusions may apply, see product site for details
Purchase protection
Price guarantee
Yes
Refund protection
Purchase protection
Online fraud protection
Yes
Purchase security insurance
Price guarantee cover
Extended warranty insurance
Concierge Service
Yes
Yes
Yes
24/7 Concierge Service
Yes
24/7 Concierge Service
Yes
Yes
24/7 Concierge Service
Automatic Card Repayments
Yes
Additional Extras
Yes
$200 back on your card when you spend $3000 within first 3 months
Qantas Club membership offer
Yes
2 complimentary lounge passes
Within 4 weeks of your birthday, receive an addition 10% of the points earned in the last 12 months
Yes
$450 Qantas Travel Credit each year
2 Amex lounge entries each year
2 Qantas Club lounge invitations each year after your first Card spend on select Qantas products and services
Yes
2 complimentary Qantas Club airport lounge passes each year
Yes
2 complimentary lounge invitations per year
Up to 20% off selected Qantas and Qantas Link domestic flights for you and up to 8 companions