Updated October 18, 2026 · DebitCue Editorial Team

Top rewards cards compared in Australia

40 cards available in Australia, ranked for Australia.

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Top rewards cards compared in Australia
#	Card	Score	Features	Key facts	Actions
1	InstaremTop pick Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000	9.1/10	No annual fee	Rewards rate: 0.5 InstaPoints per SGD spent Annual fee: SGD 0 Currency conversion fee: 0%	Review Compare Visit
2	Revolut	9.2/10	No annual fee Multi currency Virtual card	Rewards rate: 1.5 points per EUR1 Annual fee: €0 APR: 13.34% to 17.99%	Review Compare Visit
3	Revolut AU	9.1/10	No annual fee	Rewards rate: 1.5 points per EUR1 Annual fee: €0 APR: 13.34% to 17.99%	Review Compare Visit
4	Union Pay International	9.6/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
5	Qantas Pay	9.5/10	No annual fee Multi currency Virtual card	Rewards rate: 1 PT per $4 in Australia, up to 2 PTS per $1 overseas Annual fee: A$0 Currency conversion fee: 0%	Review Compare See alternatives
6	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	No annual fee	Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank Annual fee: $0 Rewards type: Points	Review Compare See alternatives
7	Uni5Pay+ by Scombank	9.4/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
8	AffinityPlus Credit Union Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers	9.3/10	No annual fee	Rewards rate: MyPlus Rewards points Annual fee: $0 APR: 14.65% to 18%	Review Compare See alternatives
9	CIBC Caribbean	9.0/10	No annual fee	Rewards rate: 1 point per USD 1 spent Annual fee: $0 Currency conversion fee: 2.5%	Review Compare See alternatives
10	Kogan.com Finder exclusive 0% p.a. balance transfer offer on Kogan Money Credit Card: 0% p.a. for 18 months on balance transfers	8.9/10	No annual fee	Rewards rate: 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 Annual fee: A$0 APR: 21.99%	Review Compare See alternatives