1. Financial Disclaimer: The information provided here is for informational purposes only and does not constitute financial advice. Always read the Product Disclosure Statement (PDS) provided by the bank.

2. Responsible Use: It is critical to pay off your credit card in full every month to avoid interest charges which negate the value of points.

3. Credit Scores: Frequent applications can impact your credit score. You can check yours free at CreditSmart.

4. "cents/pt" is calculated as (Annual Fee × 100 / Bonus Points). Does not account for interest rates, foreign transaction fees, or the value of included lounge passes.

5. Offers are subject to change by the provider without notice. Verify all details on the issuer's website before applying.

6. *Affiliate Disclosure: Some links on this page may be affiliate links. I may earn a small commission if you apply through them, at no extra cost to you. This does not influence rankings.