Card guides
Our roundup of credit card offers to know about this month [March 2025]

What we'll be covering
With six out of every ten frequent flyer points coming from sources other than actually flying—and credit cards earning the bulk of those—getting the right mix of cards in your wallet is important to planning your next trip. Here is a sample of highlights from credit card providers available now.
Latest Offers
We round up the cards with noteworthy bonus offers to know about this month.
Credit Card | Bonus Points | Annual Fee | Offer end date | Card Guide |
---|---|---|---|---|
Gift Card | ||||
St.George Amplify Rewards Signature ↓ | 150,000 Amplify Rewards Points (can get up to $675 in eGift cards) | $199 for the first year, $295 p.a. ongoing | 30 April 2025 | Read Here |
![]() ANZ Rewards Black ↓ | Up to 160,000 ANZ Rewards Points (can get a $700 Gift Card) | $375 p.a. ongoing | ongoing | Read Here |
Qantas Points | ||||
Qantas Premier Titanium ↓ | 150,000 Qantas Points | $1,200 | ongoing | Read Here |
![]() American Express Qantas Business Rewards ↓ | 170,000 Qantas Points | $450 p.a. ongoing | 8 April 2025 | Read Here |
Westpac Altitude Qantas Black ↓ | Up to 120,000 Qantas Points | $295 p.a. plus $75 annual Rewards fee | 30 April 2025 | Read Here |
Citi Premier Qantas Credit Card ↓ | Up to 110,000 Qantas Points | $350 p.a. | ongoing | Read Here |
![]() Qantas Premier Platinum ↓ | Up to 90,000 Qantas Points | $349 for the first year, $399 p.a. ongoing | ongoing | Read Here |
![]() Qantas American Express Ultimate ↓ | 100,000 bonus Qantas Points | $450 p.a. | 18 March 2025 | Read Here |
![]() Qantas American Express Premium Card ↓ | 20,000 Qantas Points | $249 p.a. | ongoing | Read Here |
Velocity Points | ||||
American Express Velocity Business ↓ | 120,000 Velocity Points | $249 p.a. ongoing | ongoing | Read Here |
Citi Premier Credit Card ↓ | 110,000 Velocity Points | $300 p.a. ongoing | 1 April 2025 | Read Here |
American Express Velocity Platinum ↓ | 100,000 bonus Velocity Points | $440 p.a. ongoing | 30 April 2025 | Read Here |
![]() ANZ Rewards Black ↓ | 80,000 Velocity Points (equivalent) | $375 p.a. ongoing | ongoing | Read Here |
NAB Rewards Platinum ↓ | Up to 80,000 Velocity Points (equivalent) | $95 for the first year, $195 p.a. ongoing | 30 April 2025 | Read Here |
![]() NAB Rewards Signature ↓ | Up to 90,000 Velocity Points (equivalent) | $24 monthly fee | ongoing | Read Here |
![]() Westpac Altitude Rewards Black ↓ | 50,000 Velocity Points (equivalent) | $200 for the first year, $295 p.a. ongoing | 30 April 2025 | Read Here |
KrisFlyer miles | ||||
![]() Westpac Altitude Rewards Black ↓ | 50,000 KrisFlyer miles (equivalent) | $200 for the first year, $295 p.a. ongoing | 30 April 2025 | Read Here |
![]() ANZ Rewards Black ↓ | 53,000 KrisFlyer miles (equivalent) | $375 p.a. ongoing | ongoing | Read Here |
American Express Membership Rewards | ||||
![]() American Express Platinum Business ↓ | 250000 Premium Ascent Membership Rewards Points | $875 in the first year (normally $1,750 p.a.) | 25 March 2025 | Read Here |
![]() American Express Platinum ↓ | 200,000 Ascent Premium Membership Rewards points | $1,450 p.a. | 11 March 2025 | Read Here |
![]() American Express Explorer ↓ | 100,000 Amex MR Points | $395 p.a. | 8 April 2025 | Read Here |
Digging into the details
Learn more about the cards with noteworthy offers this month.
Gift Cards
St.George Amplify Rewards Signature
- Sign-up Bonus: 150,000 Amplify Rewards Points
- Rewards Earn Rate: 1.5 Amplify Points for every $1 spent on eligible purchases.
- Annual Fee: $199 in the first year, $295 p.a. ongoing
- Offer expires: 30 April 2025
St.George is offering 150,000 Amplify Rewards Points (equivalent to 75,000 Velocity Points or up to $675 in eGift cards) plus a reduced first-year annual fee for new cardholders of the Amplify Rewards Signature Card. Includes two complimentary airport lounge passes per year and you can also receive a 10% bonus reward of the points you earned for the previous year on your birthday.
ANZ Rewards Black credit card
- Sign-up Bonus: Up to 160,000 extra ANZ Reward Points + $100 back with the ANZ Rewards Black credit card
- Rewards Earn Rate: Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Annual Fee: $375 p.a. ongoing
ANZ is offering up to 160,000 extra ANZ Reward Points (110,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card kept 15 months) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.
Qantas
Qantas Premier Titanium
- Sign-up Bonus: 150,000 Qantas Points
- Rewards Earn Rate: 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter. 2 Qantas Points per whole AU$1 equivalent on international spend (uncapped). 2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped).
- Annual Fee: $1200 p.a.
The Qantas Premier Titanium Mastercard has 150,000 bonus Qantas Points on offer for new cardholders, includes two complimentary Qantas First Class lounge passes per year, discounts on Qantas flights and can help you boost your Qantas status credits.
American Express Qantas Business Rewards
- Sign-up Bonus: 170,000 bonus Qantas Points
- Rewards Earn Rate: Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business purchases, and 0.5 Qantas Points per $1 spent on government charges. After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent..
- Annual Fee: $450 p.a. and up to 99 Employee Cards at no additional cost
- Offer expires: 8 April 2025
The American Express Qantas Business Rewards Card has 170,000 bonus Qantas Points on offer when you apply by 8 April 2025 and spend $6,000 on eligible purchases on your Card in the first 3 months of the approval date. The card earns Qantas Points on spend and is transferred automatically into the business' Qantas Business Rewards account offering more flexibility for business owners. T&Cs apply. New Card Members only.
Westpac Altitude Qantas Black
- Sign-up Bonus: Up to 120,000 bonus Qantas Points
- Rewards Earn Rate: Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
- Annual Fee: $295 p.a. plus $75 annual Rewards fee if you choose to earn Qantas Points
- Offer expires: 30 April 2025
The Westpac Qantas Black has up to 120,000 Qantas Points on offer for new cardholders. The card offers high points earn rates plus ongoing benefits, including Qantas lounge invites.
Citi Premier Qantas Credit Card
- Sign-up Bonus: Up to 100,000 bonus Qantas Points^
- Rewards Earn Rate: 1 Qantas Point per $1 spent on Eligible Transactions online or overseas and 0.5 Qantas Point per $1 spent on Eligible Transactions everywhere else, capped at 100,000 Qantas Points over a 12-month period.
- Annual Fee: $350 p.a. ongoing
Up to 100,000 bonus Qantas Points are on offer for new cardholders who apply for the Citi Premier Qantas Credit Card. Includes two complimentary Priority Pass™️ airport lounge visits each year and offers up to 1 Qantas Point per $1 on spend.^ This product is provided by National Australia Bank Limited, using certain trademarks temporarily under license from Citigroup Inc.
Qantas Premier Platinum
- Sign-up Bonus: Up to 90,000 bonus Qantas Points with the Qantas Premier Platinum card
- Rewards Earn Rate: 1 Qantas Point per whole AU$1 on Domestic Spend up to $10,000 per statement period and 0.5 thereafter. 1.5 Qantas Points per whole AU$1 equivalent on international spend plus 1 additional Qantas Point per whole AU$1 on selected Qantas spend.
- Annual Fee: $349 for the first year and $399 p.a. ongoing
The Qantas Premier Platinum card offers 50,000 bonus Qantas Points for new cardholders who spend $5,000 or more on eligible purchases within 3 months from approval, and an additional 40,000 bonus Qantas Points for those who haven’t earned Qantas Points with a credit or charge card in the last 12 months. The card also includes a discounted first-year annual fee, two complimentary airport lounge passes, and 0% p.a. interest for 6 months on Balance Transfers (a 2% Balance Transfer fee applies).
Qantas American Express Ultimate
- Sign-up Bonus: 100,000 bonus Qantas Points
- Rewards Earn Rate: 1.25 Qantas Points earned per $1 on eligible everyday purchases. 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia. 0.5 Qantas Point per $1 at government bodies in Australia. After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent..
- Annual Fee: $450 p.a.
- Offer expires: 18 March 2025
The Qantas American Express Ultimate Card has 100,000 bonus Qantas Points on offer for new American Express Card Members who apply by 18 March 2025. It’s one of the highest-earning Qantas Point cards and comes with a $450 Qantas Travel Credit each year plus a range of premium travel benefits. Eligibility criteria, minimum spend and T&Cs apply. New Card Members only.
Qantas American Express Premium
- Sign-up Bonus: 20,000 bonus Qantas Points
- Rewards Earn Rate: 1 Qantas Point earned per $1 spent on eligible purchases. 1 additional Qantas Point per $1 on selected Qantas products and services in Australia. 0.5 Qantas Points per $1 spent at government bodies in Australia.
- Annual Fee: $249 p.a. annual fee
The Qantas American Express Premium Card has 20,000 bonus Qantas Points on offer for new American Express Card Members who apply online, are approved, and spend $3,000 on your new Card within the first 3 months of approval date. The card comes with 2 Qantas Club invitations each Card Member year and earns up to 2 Qantas Points per $ on eligible purchases.
Velocity Points
American Express Velocity Business
- Sign-up Bonus: 170,000 bonus Velocity Points
- Rewards Earn Rate: 1 Velocity Point per $1 spent on eligible everyday business purchases and 2 Velocity Points per $1 spent with Virgin Australia.
- Annual Fee: $249 p.a. and $99 per Employee Card up to 99 cards
- Offer expires: 30 April 2025
The American Express Velocity Business Card is offering 170,000 bonus Velocity Points for new American Express Card Members who apply by 30 April 2025, are approved and spend $5,000 on eligible purchases on your new Card within the first 2 months of approval*. The card lets you access a line of unsecured funding with flexible spending power^ and offers business owners and sole traders up to 2 Velocity Points per dollar on purchases within Australia. T&Cs apply. Available for new American Express Card Members only.
Citi Premier Credit Card
- Sign-up Bonus: 110,000 bonus Velocity Frequent Flyer Points¹
- Rewards Earn Rate: 2 Citi reward Points per $1 spent on Eligible Transactions online or overseas and 1 Citi reward Point per $1 spent on Eligible Transactions everywhere else, capped at 200,000 Citi reward Points over a 12-month period.
- Annual Fee: $300 p.a. ongoing
- Offer expires: 1 April 2025
The Citi Premier Credit Card offers 110,000 bonus Velocity Points¹ for new cardholders who spend $8,000 or more on eligible purchases within 3 months from approval. The card earns up to 2 Citi reward Points per dollar on eligible transactions and includes complimentary membership and two airport lounge visits every year when you enrol in Priority Pass™, plus the ability to automatically transfer Points from the Citi Rewards Program to Velocity Frequent Flyer each month with Points Autosweep⁴. Offer ends 1 April 2025. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under license from Citigroup Inc.
American Express Velocity Platinum
- Sign-up Bonus: 100,000 bonus Velocity Points*
- Rewards Earn Rate: 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies˜. 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases˜. 0.5 Velocity Points per $1 on Government spend˜.
- Annual Fee: $440 p.a.
- Offer expires: 30 April 2025
The American Express Velocity Platinum Card has 100,000 bonus Velocity Points* on offer for new American Express Card Members who apply by 30 April 2025 and spend $3,000 on eligible purchases within the first 3 months of approval. Includes several perks such as Virgin Australia Lounge Access^ every time you fly domestically with Virgin Australia, 2 VA Guest Lounge Passes⁼ each year and a Complimentary Domestic Return Virgin Australia Flightˢ. Terms, conditions and exclusions apply. New American Express Card Members Only.
ANZ Rewards Black credit card
- Sign-up Bonus: Up to 160,000 extra ANZ Reward Points + $100 back to your new card
- Rewards Earn Rate: Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Annual Fee: $375 p.a. ongoing
ANZ is offering up to 160,000 extra ANZ Reward Points (110,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card kept 15 months) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.
NAB Rewards Platinum Card
- Sign-up Bonus: Up to 80,000 bonus Velocity Points *
- Rewards Earn Rate: Earn uncapped points including 1 NAB Rewards Point earned per $1 on eligible everyday spend and 1.5 NAB Rewards Points per $1 at eligible Grocery Stores *.
- Annual Fee: $95 for the first year, $195 p.a. ongoing
- Offer expires: 30 April 2025
The NAB Rewards Platinum Card is offering up to 80,000 Velocity Points (auto-converted from 160,000 NAB Rewards Points) and a reduced first-year annual fee for new cardholders. * NAB Rewards allows you to earn flexible points on eligible spend, and offers bonus points at eligible grocery stores and purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.
NAB Rewards Signature
- Rewards Earn Rate: Earn 1.5 NAB Rewards Points earned per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter.
- Annual Fee: $24 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
The NAB Rewards Signature Card is the highest points-earning card in the NAB Rewards line-up. It has no international transaction fees on all eligible purchases and comes with a Delayed Flight Lounge Pass that gives you complimentary access to an airport lounge at selected locations in the event of a 60 minute or more delay to your domestic or international flight.
Westpac Altitude Rewards Black
- Sign-up Bonus: Up to 150,000 Altitude points
- Rewards Earn Rate: 1.25 Altitude Points for every $1 spent on eligible purchases.
- Annual Fee: $200 for the first year, $295 p.a. ongoing
- Offer expires: 30 April 2025
The Westpac Altitude Rewards Black has up to 150,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $700 in e-gift cards or transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 3:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.
Krisflyer Miles
Westpac Altitude Rewards Black
- Sign-up Bonus: Up to 150,000 Altitude points
- Rewards Earn Rate: 1.25 Altitude Points for every $1 spent on eligible purchases.
- Annual Fee: $200 for the first year, $295 p.a. ongoing
- Offer expires: 30 April 2025
The Westpac Altitude Rewards Black has up to 150,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $700 in e-gift cards or transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 3:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.
ANZ Rewards Black credit card
- Sign-up Bonus: Up to 160,000 extra ANZ Reward Points + $100 back to your new card
- Rewards Earn Rate: Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Annual Fee: $375 p.a. ongoing
ANZ is offering up to 160,000 extra ANZ Reward Points (110,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card kept 15 months) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.
American Express Membership Rewards
American Express Membership Rewards points are amongst the most flexible out there, with the ability to be transferred to key frequent flyer programs like Velocity, KrisFlyer and Asia Miles, as well as Qantas for Platinum and Business Platinum Card Members.
American Express® Platinum Business Card
- Sign-up Bonus: 250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year*
- Rewards Earn Rate: Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent.
- Annual Fee: $875 in the first year (normally $1,750 p.a)*
- Offer expires: 27 May 2025
Earn 250,000 Membership Rewards Bonus Points and half annual Card fee of $875 (normally $1,750) in the first year* when you apply by 27 May 2025, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of approval. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. T&Cs apply. Available for new American Express Card Members only.
American Express Platinum Card
- Sign-up Bonus: 225,000 bonus Membership Rewards points
- Rewards Earn Rate: Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent.
- Annual Fee: $1,450 p.a.
- Offer expires: 8 April 2025
The American Express Platinum Card is offering 225,000 bonus Membership Rewards Points¹ for new American Express Card Members who apply by 8 April 2025 and spend $5,000 on eligible purchases in the first 3 months of approval. It also comes with up to $400 in Global Dining Credit¹¹ per calendar year and a $450 annual Travel Credit⁵. A great card for those who want to earn Membership Rewards Points on everyday spend and transferable to over 10 major Airline Rewards Partner Programs⁸. T&Cs apply.
American Express Explorer Credit Card
- Sign-up Bonus: 100,000 bonus Membership Rewards Points
- Rewards Earn Rate: Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent.
- Annual Fee: $395 p.a.
- Offer expires: 8 April 2025
American Express is offering 100,000 bonus Membership Rewards Points for new American Express Card Members who apply for the Explorer Credit Card by 8 April 2025, are approved, and spend $4,000 on eligible purchases within the first 3 months of the approval date. Includes $400 Travel Credit each year as a regular benefit, plus free access to The Centurion® Lounge at Sydney and Melbourne airports along with a range of insurances and high points earn rates on spend. T&Cs apply. New Amex Card Members only.
You can also check out our full list of credit card offers as well as our best uses of points series.
Generally, we only feature Exclusive deals or cards with a high frequent flyer points sign-on bonus, however, do note that we have pages for both NO Annual Fee cards and Balance Transfer cards that may appeal to you.
https://www.pointhacks.com.au/credit-cards/no-annual-fee-frequent-flyer-credit-cards/
https://www.pointhacks.com.au/credit-cards/credit-cards-for-balance-transfers/
Great article – one additional metric which would be really useful along with the bonus points would be to understand what the earn rate per $ is for each card. The bonus is useful, however after this I would love to know which card will earn me the most points.
Thanks
can you confirm with any of the velocity credit card offers do any check my payroll department for proof of income, i work for government and always have issues with credit providers contacting them for proof as they will not give out my pay details to anyone unless court ordered?
thanks in advancer
I held a black Westpac card in the past 12 months but it has been closed. Does this make me ineligible for the bonus points for the Westpac platinum card.
Thanks.
So you would have to wait 12 months from when you closed the card.
Any idea when the 100k sign-up bonus may return on the Personal Plat Charge?
Thanks.
We use SPG points more than say Qantas and already have AMEX cards.
Any thoughts on best card offer for this scenario ?
It would be great to see the Aspire cars in Australia
https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
it seems the Virgin High Flyer 120,000 bonus points has been extended until Feb 28,2018.
visible when you go through the velocity website.
https://www.virginmoney.com.au/products/credit-card/multi-credit-cards/velocity-home-main/airline/?cid=CC:27:15
https://www.virginmoney.com.au/products/credit-card/multi-credit-cards/velocity-home-main/airline/?cid=CC:27:15
Ends Feb 28
I am trying to decide on which business card to choose.
How can I compare them?
I can only find compare option for non-business cards
It’s definitely not worth sticking around the full year to get the extra 30k for another annual fee (90k points for $558 over 13 months – no thanks)!
Quick question regarding the ANZ Black card, I used to have a QFF Platinum with them, and cancelled it. So, when you say “offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply”, does that mean I won’t qualify for the bonus points? I cannot find any clarity on the ANZ website.
Thanks.
Jon
I’m in the market for a better QFF point earning card, and would consider Qantas Ultimate if it wasn’t for this clause. Do they really want to push me to close my two existing accounts and serve the 18 month time, just so I qualify for a deal that may/may not come up next year?
Have they never heard the old adage that the best customer is the one you already have?
Conversely, although I have no first hand experience of this unlike the UK cards, which I still have, Amex USA are worse – no churning ever.
I had the basic ANZ frequent flyer Visa/Amex and got rid of it around two weeks ago, applied for the Ultimate Qantas AMEX (through the PH link), and have just received my 75,000 bonus points.