The best points-earning credit cards with a low income requirement

While a majority of credit cards offering large bonus points promotions are top-tier cards that have a high minimum income requirement, there is no need to despair if you find yourself falling below the income requirements of those cards.

This guide highlights those cards with attractive sign-up bonuses and/or earning rates which require only a modest minimum income requirement to be met.

Having a lower income should not preclude you from earning points to access luxury travel experiences

ANZ Frequent Flyer Platinum

This card is ideal for those looking to boost their Qantas Points balance. It has a relatively generous earn rate, and also comes with complimentary Qantas Frequent Flyer membership, which normally costs $99.50.

Virgin Money Flyer Visa

This card is great for those looking to earn Velocity Points. It comes with a $129 Virgin Australia gift voucher that can be used towards any Virgin Australia flight.

Minimum income requirement: $35,000

David Jones American Express

The David Jones American Express card will earn you American Express Rewards points that can be transferred to a number of leading frequent flyer programs, including Velocity Frequent Flyer, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles. You also earn bonus points when shopping at David Jones.

Minimum income requirement: $40,000

Citibank Platinum

While not having a very competitive earn rate, this card is connected to the Citibank Rewards program. This is a flexible rewards program that allows you to transfer your points to a number of leading frequent flyer programs, including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles and Emirates Skywards.

Minimum income requirement: $35,000

Summing up

Having a low income does not necessarily consign you to cards with low bonus points and earning offers.

As you can see, $35,000 is the starting point for the minimum annual income requirement to get a points-earning credit card.

Click on the guides above to read about each individual card and the bonus points offer that are attached to it.