Point Hacks Credit Card Roundup
Compare the best credit card deals for points, bonuses, and travel perks in Australia right now. Find the perfect fit for your spending habits and goals.
January’s 2026 standout credit card offers in Australia are perfect for frequent flyers and points chasers, featuring sign-up bonuses that could yield up to 350,000 points. The market is competitive, with banks vying for customers through extra perks such as complimentary lounge access, insurance, and reduced first-year annual fees. Before considering an application, it’s important to check the interest rate and consider if the rewards outweigh the costs.
Many cards on offer provide a mix of premium features and accessible entry requirements. Interest rates for rewards cards vary widely, often sitting between 19.99% and 20.99% p.a., while credit limits start from around $6,000 and can climb based on personal circumstances and lender approval. In addition, eligibility usually requires being a new cardholder, age 18+, with a steady income.
How to Apply
- Compare leading offers to see how points, annual fees and extra benefits stack up.
- Review official terms and eligibility—ensure you haven’t held the card in the last 12-24 months.
- Prepare proof of income, ID, and employment details before you begin.
- Submit your application online; most decisions arrive within minutes to days.
Main Advantages
Cards like the American Express Platinum Business or Qantas Money Titanium boast industry-leading sign-up points—sometimes over 300,000—making them ideal if you want to book premium flights or first-class upgrades.
Ongoing perks often include travel insurance, two to four annual airport lounge passes, and decent points earn rates per $ spent, especially on international or airline purchases. Some also include statement credits or cashback.
Potential Drawbacks
High annual fees—from $295 to $1450 or more—can offset the value unless you maximise rewards and use the included perks. Lower earn rates after reaching monthly spending caps also reduce long-term value.
Many bonus points offers exclude previous cardholders, meaning you need to check your status before applying or you risk missing out.
Final Verdict
If you can meet the spend requirements and will use the perks, these cards can be a fantastic way to boost your points balance. For occasional travellers, consider lower-fee options or cards that waive the first year’s fee. Always compare to find the card that fits your lifestyle and goals best.
