Credit Cards with Buy Now Pay Later
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
0 Westpac points
Split purchases over $100 into 4 payments over 6 weeks with the PartPay feature on the credit card.
Spend $7,000 in 210 days
$0 first year annual fee, $59 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.
Read my analysis
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.
Est. profit $1,215
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ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
Read my analysis
ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Spend $3,500 in 90 days
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Spend $2,500 in 90 days
Craig's Take
Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.
Est. profit $1,005
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Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
PartPay feature allows splitting purchases into 4 payments over 6 weeks.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,016
Read my analysis Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
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Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
PartPay feature allows splitting purchases into 4 payments over 6 weeks.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Qantas points
$175 annual fee
Offer
70,000 Qantas points
PartPay feature allows splitting purchases into 4 payments over 6 weeks.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
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Westpac Altitude Rewards Platinum
Westpac points
$175 annual fee
Offer
75,000 Westpac points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Velocity Platinum (Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,280
Read my analysis Westpac Altitude Velocity Platinum (Reduced first year, Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,356
Read my analysis ANZ Rewards Platinum (Velocity Bonus Offer)
Velocity points
$149 annual fee
Offer
70,000 Velocity points
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Spend $3,500 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Est. profit $1,091
Read my analysis