Credit Cards with Digital Wallet Integration
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
0 Westpac points
Card can be added to Apple Pay, Samsung Pay, and Google Pay for digital payments.
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 Frequent Flyer Black credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay for mobile payments.
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
Read my analysis
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Compatible with Apple Pay and Google Pay for safe and contactless payments
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.
Est. profit $1,200
Read my analysis
The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Compatibility with Apple Pay, Samsung Pay, and Google Pay for digital wallet payments.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig's Take
Average ongoing earn rate. $200 cashback covers the $195 fee.
Read my analysis
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Use your Card securely around the world and check out with Apple Pay, Samsung Pay, and Google Pay.
Spend $4,000 in 90 days
Offer Expires 3 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
Read my analysis
ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
ANZ credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are available for faster replacement.
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 credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are available for faster replacement.
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
Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
OfferNo Qantas CC 24mo
100,000 Qantas points
Card can be added to Apple Pay and Google Pay for safe and contactless payments
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,251
Read my analysis Qantas Premier Platinum
Qantas points
$399 annual fee
Offer
60,000 Qantas points
Card can be added to Apple Pay and Google Pay for safe and contactless payments
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $611
Read my analysis
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
The Platinum Card is eligible for use with Apple Pay, Samsung Pay, and Google Pay.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
ANZ credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are issued faster than physical cards for replacements.
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
Read my analysis
St.George Amplify Platinum - Qantas
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Card can be added to Apple Pay, Google Pay, and Samsung Pay for mobile wallet payments.
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
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Card can be used with Apple Pay, Google Pay, and Samsung Pay mobile wallets for secure payments.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis St.George Amplify Qantas Signature (Existing customers, through log in)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Card can be used with Apple Pay, Google Pay, and Samsung Pay mobile wallets for secure payments.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
St.George Amplify Rewards Signature
St.George Amplify points
$295 annual fee
Offer
100,000 St.George Amplify points
Card can be used with Apple Pay, Google Pay, and Samsung Pay mobile wallets for secure payments.
Spend $12,000 in 365 days
$199 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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.
Read my analysis
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
Read my analysis
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
Read my analysis St.George Amplify Rewards Platinum (Existing customers, through log in)
St.George Amplify points
$175 annual fee
OfferExisting Customers
75,000 St.George Amplify points
Card can be added to Apple Pay, Google Pay, and Samsung Pay for mobile payments.
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 Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Read my analysis
Westpac Altitude Rewards Platinum
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$175 annual fee
Offer
75,000 Bank of Melbourne points
Card supports mobile wallet payments including Apple Pay, Google Pay, and Samsung Pay.
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 St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
OfferExisting Customers
100,000 St.George Amplify points
Card can be used with Apple Pay, Google Pay, and Samsung Pay mobile wallets for secure payments.
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.
Read my analysis St.George Amplify Platinum - Qantas (Existing customers, through log in)
Qantas points
$175 annual fee
OfferExisting Customers
70,000 Qantas points
Card can be added to Apple Pay, Google Pay, and Samsung Pay for mobile wallet payments.
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
Read my analysis St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Card can be added to Apple Pay, Google Pay, and Samsung Pay for mobile payments.
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
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Compatibility with Apple Pay, Samsung Pay, and Google Pay for digital payments.
Spend $5,000 in 90 days
Offer Expires in 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,135
Read my analysis
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
OfferReferral
70,000 Qantas points
Card eligible for use with Apple Pay, Samsung Pay, and Google Pay
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Card eligible for use with Apple Pay, Samsung Pay, and Google Pay
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
The American Express Platinum Card
American Express points
$1,450 annual fee
Offer
200,000 American Express points
The Platinum Card is eligible for use with Apple Pay, Samsung Pay, and Google Pay.
Spend $5,000 in 90 days
Offer Expires in 6 months (2026-08-25)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis
The American Express Velocity Platinum Card (Velocity Bonus Offer)
Velocity points
$440 annual fee
Offer
100,000 Velocity points
Compatibility with Apple Pay, Samsung Pay, and Google Pay for digital payments.
Spend $5,000 in 90 days
Offer Expires in 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,645
Read my analysis Westpac Altitude Velocity Platinum (Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
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
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
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 credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. Digital cards are available for faster replacement.
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
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
80,000 Commbank points
Card can be added to digital wallets such as Apple Pay, Samsung Pay, and Google Pay for immediate use via digital card issuance in the CommBank app.
Spend $6,000 in 150 days
Craig's Take
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis