Reward Program Credit Cards

Reward program credit cards offer an exciting opportunity for those who use credit cards in a responsible manner. Instead of a card with features designed to minimise the accrual of debt, reward program credit cards offer the opportunity to turn a profit on credit card usage as long as you avoid interest altogether. If you use credit cards to extend your finances or prefer cash advances to putting purchases directly on your card, the reward program credit cards are unsuited to your situation. If you just use your credit card to make payments more convenient and always repay within the interest free period, though, you could make your life a lot more comfortable with reward program credit cards.

See our Best Reward Programs Credit Card.

The way reward program credit cards generally function is by allowing you to accrue reward points by making purchases at specific stores, making purchases anywhere, or by paying off the balance on your credit card. Often bonus points can be gained by shopping at specific stores, although these will usually be stores that sell luxury items in order to encourage patronage. Once you have gained a significant number of reward points you can redeem them for various products and service, depending on what your reward program offers. Benefits that function without using reward points are mostly found only on gold and platinum credit cards rather than normal reward program credit cards.

The following cards offer Reward Programs:

ANZ Balance Transfers - Special Offer

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		Multiple	2.90% for 12 months	N/A	(from $30)	More Info

WoolworthsEveryday Money Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	0.00% for 3 months	55days	$49 ($0 for 1st yr)	More Info

Virgin Money No Annual Fee Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		16.95%	2.90% for 6 months	44days	$0 (No annual fee, ever.)	More Info

ANZ Balance Visa Credit Card 2.9% BT

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		14.24%	2.90% for 12 months	55days	$57 (+$22 rewards)	More Info

ANZ Frequent Flyer Balance Transfer Offer

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	2.90% for 12 months	44days	$40 (+$55 rewards)	More Info

AMEXGold Ascent Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	N/A	44days		More Info

ANZ Frequent Flyer Credit Card 16,000 Bonus Points

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	N/A	44days	$40 (+$55 rewards)	More Info

SuncorpClear Options Plus Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.99%	1.90% for 12 months	55days	$63 (+$19 rewards)	More Info

Virgin Money Flyer Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.99%	6.90% for 6 months	44days	$99	More Info

WestpacEarth Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.64%	0.99% for 6 months	45days	$75	More Info

ANZ Balance Visa Credit Card 0% BT

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		14.24%	0.00% for 6 months	55days	$57 (+$22 rewards)	More Info

SuncorpClear Options Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.99%	3.90% for life	55days	$205	More Info

WestpacEarth Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.64%	0.99% for 6 months	45days	$125	More Info

WestpacSingapore Airlines Westpac Gold Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.24%	0.99% for 6 months	45days	$75 ($75 for the first year, $125 after)	More Info

WestpacSingapore Airlines Westpac Platinum Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.24%	0.99% for 6 months	45days	$125 ($125 first year, $250 after)	More Info

ANZ Rewards Gold No Total Annual Fee

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	N/A	55days	$0 (+$$0 for first year rewards) ($0 for first year, $129 therafter)	More Info

ANZ Rewards No Total Annual Fee

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	N/A	44days	(+$0.00 for first year rewards) ($0 for the first year, $89 thereafter)	More Info

ANZ Frequent Flyer Gold 16k Bonus Points

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	N/A	55days	$140 (+$55 rewards)	More Info

ANZ Frequent Flyer Platinum 16k Bonus Points

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.49%	N/A	55days	$240 (+$55 rewards)	More Info

CitibankBP Mastercard Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.89%	1.90% for 12 months	55days	$79	More Info

Reward program credit cards tend to either offer a general reward program or else they will specialise in providing better value in one particular area, while offering a small selection of other options. Generally, a credit card issuer who offers specialised reward program credit cards will also have a generalist reward program credit card for the majority of users. Examples of specialised reward program credit cards are cards which focus on providing extra frequent flyer points as well as cards that offer cash back options along with a smaller product reward range.

Please feel free to browse our selection of premium credit cards if you would like to learn more about specific reward programs or else apply for any in our range of good value reward program credit cards.