{"id":7229,"date":"2026-01-26T22:23:00","date_gmt":"2026-01-26T22:23:00","guid":{"rendered":"https:\/\/dinexito.com\/79d14218-ff7a-4af6-9e4c-cc0c8365534d\/"},"modified":"2026-01-26T22:23:04","modified_gmt":"2026-01-26T22:23:04","slug":"79d14218-ff7a-4af6-9e4c-cc0c8365534d","status":"publish","type":"post","link":"https:\/\/dinexito.com\/de\/79d14218-ff7a-4af6-9e4c-cc0c8365534d\/","title":{"rendered":"January 2026 AU Credit Card Deals: Top Bonus Points &#038; Features"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">F\u00fcr Sie empfohlen<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Point Hacks Credit Card Roundup<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">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.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/dinexito.com\/de\/redirect\/?https:\/\/www.pointhacks.com.au\/credit-cards\/noteworthy-credit-card-offers\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Jetzt bewerben<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Sie werden auf eine andere Website weitergeleitet.<\/small>\n<\/div>\n<p>January\u2019s 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&#8217;s important to check the interest rate and consider if the rewards outweigh the costs.<\/p>\n<p>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.<\/p>\n<h3>So bewerben Sie sich<\/h3>\n<ol>\n<li>Compare leading offers to see how points, annual fees and extra benefits stack up.<\/li>\n<li>Review official terms and eligibility\u2014ensure you haven\u2019t held the card in the last 12-24 months.<\/li>\n<li>Prepare proof of income, ID, and employment details before you begin.<\/li>\n<li>Submit your application online; most decisions arrive within minutes to days.<\/li>\n<\/ol>\n<h3>Hauptvorteile<\/h3>\n<p>Cards like the American Express Platinum Business or Qantas Money Titanium boast industry-leading sign-up points\u2014sometimes over 300,000\u2014making them ideal if you want to book premium flights or first-class upgrades.<\/p>\n<p>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.<\/p>\n<h3>M\u00f6gliche Nachteile<\/h3>\n<p>High annual fees\u2014from $295 to $1450 or more\u2014can 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.<\/p>\n<p>Many bonus points offers exclude previous cardholders, meaning you need to check your status before applying or you risk missing out.<\/p>\n<h3>Endg\u00fcltiges Urteil<\/h3>\n<p>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\u2019s fee. Always compare to find the card that fits your lifestyle and goals best.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">F\u00fcr Sie empfohlen<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Point Hacks Credit Card Roundup<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">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.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/dinexito.com\/de\/redirect\/?https:\/\/www.pointhacks.com.au\/credit-cards\/noteworthy-credit-card-offers\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Jetzt bewerben<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Sie werden auf eine andere Website weitergeleitet.<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Compare the best Australian credit card offers for January 2026, with sign-up bonus points, earn rates and perks from Qantas, Velocity, Amex and more in one expert review.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[15],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>January 2026 AU Credit Card Deals: Top Bonus Points &amp; 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