AUD · +61
Best Credit Cards in Australia
Frequent-flyer focus with Qantas and Velocity earn — 14M+ cards in market.
The Australian credit-card market
Australia has around 14 million credit cards in market (RBA, 2024). The dominant rewards programs are Qantas Frequent Flyer and Virgin Velocity, with most major issuers offering co-branded Qantas variants. Strict APRA serviceability assessments mean income tests are common for premium cards.
- check_circle14M+ cards in market
- check_circleQantas FF and Virgin Velocity dominate rewards
- check_circleStrict income servicing rules (typically AU$75k+ for premium)
- check_circleLow-rate cards (≤13% p.a.) widely marketed
Major issuers
- CommBank
- NAB
- ANZ
- Westpac
- American Express
- Citi
- Macquarie
0 Australian cards on Perk.Cards
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FAQs — Australian credit cards
Which Australian card earns the most Qantas points?expand_more
Qantas American Express Ultimate is the highest-earn for everyday spend (1.25 QFF per $1). CBA Diamond Awards and Westpac Altitude Black with Qantas are strong bank alternatives.