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 Debt Consolidation - 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

ANZ Balance Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		13.49%	0.00% for 6 months	55 days	$79 (+$22 rewards)	More Info

Commonwealth Bank Awards Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	5.99% for 5 months	55 days	$89	More Info

HSBC Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.99%	5.99% for 6 months	45 days	$89	More Info

ANZ Frequent Flyer Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.74%	N/A	44 days	$40 (+$55 rewards)	More Info

ANZ Frequent Flyer Visa Gold

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.74%	N/A	55 days	$195 (+$55 rewards)	More Info

ANZ Frequent Flyer Visa Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.74%	N/A	55 days	$240 (+$55 rewards)	More Info

ANZ Rewards Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.74%	N/A	44 days	$26 (+$22 rewards)	More Info

ANZ Rewards Visa Gold

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		18.74%	N/A	55 days	$57 (+$22 rewards)	More Info

Citibank BP Mastercard Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.39%	2.90% for 12 months	55 days	$79	More Info

Citibank CitiBusiness Gold Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	2.90% for 9 months	55 days	$130	More Info

Citibank Emirates Citi Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	3.90% for 9 months	55 days	$199	More Info

Citibank Gold Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	1.90% for 9 months	55 days	$119	More Info

Citibank Platinum Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	4.90% for life	55 days	$250	More Info

Citibank Silver Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		20.49%	2.90% for 12 months	55 days	$69	More Info

Commonwealth Bank Gold Awards Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	5.99% for 5 months	55 days	$144	More Info

Commonwealth Bank Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	5.99% for 5 months	55 days	$280	More Info

David Jones American Express Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.74%	N/A	56 days	$99	More Info

Macquarie Bank Visa Platinum Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		19.70%	N/A	55 days	$200	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.