Find your perfectpoints-earning card.

Not sure which points card to start with? Pick the guide that matches your goal, from first card and Qantas or Velocity to business and flexible points.

  • 4 min read
  • Updated
  • Beginners

G’day! Let’s be honest, choosing the right credit card can feel like a proper minefield. But getting it right is the single biggest shortcut to travelling in style for a fraction of the cost.

Guides for every goal

For beginners (“points curious”)

Just dipping your toes in? No worries! This is the perfect place to start. We cut through the confusion and show you exactly where to begin.

  • Low fees and big bonuses: Discover cards that are easy to manage but still pack a punch with great sign-up offers.
  • Your first points trip: We’ll show you the fastest way to get on your first points-funded flight, sooner than you think.
  • Avoid common mistakes: Learn what pitfalls to look out for so you can start your points journey with confidence.

Read now: Australia’s top 3 credit cards for points beginners

For the Qantas loyalists

If you bleed red and your goal is that Qantas Business Class seat, this is for you.

  • Maximise your Qantas earn: Find the best cards for earning Qantas Points on every single dollar you spend.
  • Unlock Classic Rewards: These guides are your fastest way to locking in one of those elusive Classic Flight Rewards.

Read now: The ultimate guide to Qantas points-earning credit cards

For the Velocity fans (Virgin Australia)

Ready to fly with Virgin Australia and its incredible partners like Singapore Airlines and Qatar?

  • Boost your Velocity balance: Learn which cards will fill your Velocity account in no time.
  • Premium partner airlines: Get access to some of the world’s best airlines by building your Velocity points balance.

Read now: The best credit cards for earning Velocity points

For business owners and high rollers

Time-poor but have significant expenses? Let’s make your spending work for you.

  • Leverage your ABN: Turn your business expenses into incredible family holidays.
  • Maximise your return: We compare the top-tier cards designed to give you the best points return on high spending.

Read now: Top cards for business owners to maximise points earn

For the flexible points pro

For those who want the ultimate flexibility to transfer points across different airlines, this is your playground.

  • Ultimate flexibility: Discover cards that let you transfer points to multiple airline partners.
  • The power of choice: Learn how programs like Amex Membership Rewards give you the power to find the best deal when it’s time to book.

Read now: Why flexible points cards are a game-changer

For the savvy everyday spender

Turn your weekly grocery shop and fuel fill-up into your next holiday. This is the secret weapon for turbo-charging your points balance.

  • Turn groceries into getaways: Discover how your regular supermarket spend is one of the most powerful, untapped ways to earn points for your next big trip.
  • The “double dip” strategy: We show you how to stack supermarket rewards programs (like Flybuys and Everyday Rewards) with the right credit card to earn points twice on a single shop.
  • Make every dollar work harder: Learn how to make your most common household expenses accelerate you towards your travel goals, getting you closer to that flight with every shop.

Read now: How to turn your groceries into a business class getaway

Latest credit card deep dives

Get our no-fluff verdict on Australia’s most popular points-earning cards. We go beyond the marketing to give you the real story.

Points jargon, explained

We hate jargon as much as you do. Here are the key terms you need to know, explained in plain English.

Sign-up bonus

This is your golden ticket! It’s the huge chunk of points a bank gives you for signing up for a card and meeting a spend requirement in the first few months. It is the single fastest shortcut to booking a premium flight and the cornerstone of any great points strategy.

Annual fee

This is simply the yearly fee you pay to keep the card active. Our guides always help you weigh this fee against the card’s valuable perks (like lounge passes or travel credits) so you’re always coming out ahead.

Minimum spend requirement (MSR)

This is the amount you need to spend on the card within a set timeframe (for example, $3,000 in the first 3 months) to unlock that sign-up bonus.

Points cap

This is a limit some cards place on the number of points you can earn at a higher rate each month or year. It’s mainly something for big spenders to keep an eye on, and we’ll always point it out clearly in our reviews so there are no surprises.

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