Credit Cards with No Additional Cardholder Fee
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
0 Westpac points
One additional cardholder (16 years or older) can be added at no extra cost.
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
NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
Additional cardholders can be added at no extra cost.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Up to 4 additional cards can be added for family members or friends at no extra cost, sharing the benefits of Membership Rewards points.
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
CommBank Ultimate Awards Credit Card with Qantas Points (with $4000 per month spend)
Qantas points
$0 annual fee
Offer
70,000 Qantas points
No additional cardholder fee to share your card with someone else
Spend $12,000 in 120 days
Craig's Take
Moderate spend — $100/day for 120 days. Poor ongoing earn rate. No annual fee.
Est. profit $1,030
Read my analysis CommBank Ultimate Awards Credit Card with Qantas Points
Qantas points
$420 annual fee
Offer
70,000 Qantas points
No additional cardholder fee to share your card with someone else
Spend $12,000 in 120 days
Craig's Take
Moderate spend — $100/day for 120 days. Poor ongoing earn rate.
Est. profit $820
Read my analysis CommBank Ultimate Awards Credit Card
Commbank points
$420 annual fee
Offer
100,000 Commbank points
No additional cardholder fee to share your card with someone else
Spend $12,000 in 120 days
Craig's Take
Moderate spend — $100/day for 120 days. Average ongoing earn rate.
Read my analysis CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Commbank points
$0 annual fee
Offer
100,000 Commbank points
No additional cardholder fee to share your card with someone else
Spend $12,000 in 120 days
Craig's Take
Moderate spend — $100/day for 120 days. Average ongoing earn rate.
Read my analysis
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
No additional cardholder fee for up to 4 family members.
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
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
60,000 Qantas points
Additional cardholder can be added at no extra cost.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $665
Read my analysis
St.George Amplify Platinum - Qantas
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Add a second cardholder aged 16 or over for free, with all transactions charged to the primary account.
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
Add a second cardholder aged 16 or over for free, with all spend and points consolidated on the primary account.
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
Add a second cardholder aged 16 or over for free, with all spend and points consolidated on the primary account.
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
Add a second cardholder aged 16 or over for free, with all spend and points on the one account. Additional cardholders cannot redeem rewards.
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
Add 1 additional cardholder aged 16 years or older at no extra cost.
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
Add 1 additional cardholder aged 16 years or older at no extra cost.
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
Add 1 additional cardholder aged 16 or older at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
Complimentary additional cardholder card for persons aged 16 or over, with all spend and points on the primary 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
NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Offer
100,000 Qantas points
Additional cardholders can be added at no extra cost.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,430
Read my analysis NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
OfferExisting Customers
100,000 Qantas points
Additional cardholders can be added at no extra cost.
Spend $5,000 in 90 days
$320 first year annual fee, $420 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,530
Read my analysis
Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
One additional cardholder aged 16 years or older can be added at no extra cost.
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
One additional cardholder aged 16 years or older can be added at no extra cost.
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
Add 1 additional cardholder aged 16 years or older at no extra cost.
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
Add 1 additional cardholder aged 16 years or older at no extra cost.
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
Complimentary additional cardholder card for a second cardholder aged 16 or over with no additional cardholder fee.
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
Add a second cardholder aged 16 or over for free, with all spend and points on the one account. Additional cardholders cannot redeem rewards.
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
Add a second cardholder aged 16 or over for free, with all transactions charged to the primary 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 $946
Read my analysis St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Complimentary additional cardholder card for persons aged 16 or over, with all spend and points on the primary 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
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Up to 4 Additional Cards for family or friends at no extra fee; points earned on Additional Cards credited to Primary Card Member's account.
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
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Additional cardholder can be added at no extra cost on both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
Up to 4 Additional Cards for family or friends at no extra fee; points earned on Additional Cards credited to Primary Card Member's account.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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
One additional cardholder (16 years or older) can be added at no extra cost.
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 NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
Additional cardholder can be added at no extra cost on both NAB Rewards Platinum and Signature Cards.
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. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
80,000 Commbank points
No additional cardholder fee to add supplementary cardholders to the account.
Spend $6,000 in 150 days
Craig's Take
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis