Credit Cards with Rewards Program Elite Status
NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
Earn NAB Rewards Points with tiered bonus points offers for new and existing customers, including up to 100,000 bonus points for spending $3,000 in 90 days and keeping the card for over 12 months.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Earn up to 20,000 Qantas Points per year through the Qantas Wellbeing App for completing daily and weekly challenges
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 Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Complimentary Hilton Honors Gold status, Marriott Bonvoy Gold status, and Radisson Rewards Premium status for Platinum Card Members without usual qualifying criteria.
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
Complimentary Qantas Frequent Flyer membership provided upon approval of ANZ Frequent Flyer credit card application, valued at $99.50. Membership subject to Qantas approval and terms.
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
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Automatic monthly transfer of NAB Rewards Points to Velocity Points at a rate of 2 NAB Rewards Points = 1 Velocity Point for 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
The American Express Platinum Card
American Express points
$1,450 annual fee
Offer
200,000 American Express points
Complimentary Hilton Honors Gold status, Marriott Bonvoy Gold status, and Radisson Rewards Premium status for Platinum Card Members without usual qualifying criteria.
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 NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
Automatic monthly transfer of NAB Rewards Points to Velocity Points at a rate of 2 NAB Rewards Points = 1 Velocity Point for 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
Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 on highest eligible purchase in a statement period, up to 1,000 Bonus Points or 400 Qantas Points. Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent up to $5,000 in a statement period on eligible purchases. Points reduce after $5,000 spend. Unlimited points earned annually.
Spend $6,000 in 150 days
Craig's Take
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis