1. American Express Platinum Edge Card

Best for: Everyday rewards & frequent supermarket spenders

• Annual Fee: $195
• Rewards: 3x points at major supermarkets and petrol stations
• Bonus Offer: Up to 50,000 Membership Rewards points on signup
• Perks: Travel insurance, Amex Offers, and free domestic flight each year

2. NAB Low Rate Card

Best for: Budget-conscious users

• Annual Fee: $59
• Purchase Rate: 12.49% p.a.
• Intro Offer: 0% p.a. on balance transfers for 12 months
• Why it stands out: Simple and low-cost card with no frills

3. CommBank Ultimate Awards Card

Best for: High spenders and rewards maximisers

• Annual Fee: $0 if you spend $4,000 monthly
• Rewards: Earn CommBank Awards Points with flexible redemption
• Extras: International travel insurance, airport lounge access, Mastercard Travel perks

4. ANZ Frequent Flyer Black Card

Best for: Qantas travellers

• Annual Fee: $425 (but often discounted in promos)
• Bonus Points: Up to 120,000 Qantas Points
• Perks: 2 Qantas Club lounge passes, travel insurance, and flight discounts

5. Coles No Annual Fee Mastercard

Best for: Everyday use with no ongoing costs

• Annual Fee: $0
• Rewards: Flybuys points on every dollar spent
• Great for: Families who shop frequently at Coles or Flybuys partners

What to Consider When Choosing a Credit Card:

• Your spending habits: Rewards cards are great if you pay off your balance monthly.
• Annual fees: High-fee cards may offer value—but only if you use the perks.
• Interest rates: If you carry a balance, look for low-rate cards.
• Intro offers: Watch for big bonuses—but check the conditions.