If you’re looking for the best Travel Rewards Credit Cards in Australia, learn which is best for you here.

It’s almost getting to that time of the year when it feels like everybody you know is flying off to some exotic holiday destination.

First, if you are part of this group, we are jealous.

Two, have you thought of how you will pay for that exquisite hotel, museum tickets, and margarita cocktails?

Before you even book that flight, finding the best travel rewards card should be your priority.

Whether you want to save on foreign fees or earn reward points finding travel rewards cards can offer immense benefits.

Credit cards have taken over the online world, and they are now used to pay for everything from a pack of gum to new cars.

You have possibly seen numerous ads on TV, online, and some plastered in your cities.

Your bank also probably calls you or emails you with numerous credit card offers.

There are numerous travel rewards cards for travel that you can choose from.

With so many options available, it can be hard to know the best rewards travel and ones that are not worth your time and effort.

The process is daunting that many people pick the first one they see or make a mistake of choosing a debit card instead of a credit card.

In this guide, we will walk you through some of the best travel rewards cards in Australia that are worth it.

Why You Should or Should Not Use a Travel Rewards Credit Card.

It is good to have a travel rewards credit card, whether you frequently or seldom travel.

However, there are some drawbacks you might encounter when using these cards.

For instance, many travel credit cards allow you to redeem your points for cash backs.

However, what you don’t know is that they have terrible redemption rates.

Also, a massive number of travel credit cards charge annual fees. However, they often have several benefits that make up for those charges.

But if you do not maximize on those benefits, there will be no point in using the cards.

How to Choose the Best Travel Credit Card.

General preferences.

Every person is unique, and we all have our preferences; this also applies to credit cards.

There is no perfect credit card out there.

The best credit card is the one that caters to all your needs and preferences.

If your main concern is annual fees, look for a travel credit card that does not charge annual fees.

If it is a sign-up bonus, look for one that offers that. Note that you won’t find a credit card that caters to everything.

You might want to consider getting different credit cards that will cater to all your needs.

Travel habits.

Sign-up bonuses and travel rewards are some of the best features most travel credit cards have.

However, you need to look beyond that.

Depending on your traveling habits, one credit card might differ from the other.

For example, if you spend most of your time in a hotel, you might consider getting a credit card that offers perks such as room upgrades and free WI-FI.

If you have a large family, you can check for a credit card that offers free luggage checks for all your family members.

As you shop around, ensure that you check different credit cards to see how much value you will be reaping.

Spending habits.

Many credit travel rewards credit cards offer rewards for specific purchases.

Other cards give rewards for all the purchases you make.

As you compare the credit cards, make sure that you access where most of your money is spent. If your top-spending purchases align with the rewards a particular credit offers, it might be wise to stick with that card.

Also, make sure that you look for cards that offer low minimum spending.

Cards that only require a single purchase to activate the welcome offer are the best to use.

Special perks.

All great credit cards should offer perks to their customers.

Some of the perks you should look out for before purchasing that card are free hotel stays, no foreign transactions, priority boarding, and free checked baggage.

Travel hacking is not only about getting those free miles and bonus points.

It is also about what else comes with the travel credit card that will make life easier.

Can Rewards Expire.

Your rewards might expire depending on the program you are using.

A lot of travel rewards programs do not have an expiration date.

As long your account is in good standing, and your account is open, you don’t need to worry about your rewards expiring.

How to Know Whether the Annual Fees Are Worth It.

Depending on the travel rewards card you use, it can be easy or difficult to know whether the annual charges are worth it or not.

For example, if the card has a sign-up bonus of $500 and an annual fee of$100, you will know that the sign-up bonus covers almost up to 5 years of the annual fees.

If the card offers other benefits, you can reevaluate how valuable it is to you. For instance, you might not be interested in paying airport access lounge fees.

But if you get a card that offers airport lounge access for free, you might consider paying the annual fees.

4 Best Travel Rewards Credit Cards in Australia You Must Own.

  1. Bankwest Zero Platinum.

Want to dodge those foreign overseas fees? Well, the Bankwest Zero Platinum card is your right choice.

When you use the card to purchase a foreign overseas flight, you will get free international travel insurance.

The travel insurance covers medical expenses and car rental up to $30,000. You can also get interstate flight inconvenience insurance for all your domestic travels.

The flight inconvenience insurance covers all flight delays you incur up to $100 per person. Damage or loss of personal good is covered uptp$1000 per person.

If you are interested in making a balance transfer, you will get an awesome balance transfer offer of 2.99% for the first nine months, and what’s more, is that you will get all this with a 0% transfer rate.

You can get the Bankwest travel credit card in digital form. Also, you can access and activate it using the Bankwest app.

  1. Chase Saphire Reserve.

Want to earn 50,000 on travel rewards? Then you should make a point of getting the Chase Saphire Reserve Travel Rewards Credit Card.

With this card, you will get 50,000 chase rewards after using more than $4,000 on the first 90 days after purchasing the card.

However, you should keep in mind that your points will only be worth more than 50% if you redeem them for travel using the Chase travel rewards card.

The 50% bonus can amount to $759 in travel. The card charges an annual fee of $550.

I know that is a lot, but that cannot be compared to all the perks you will get with using it.

Each account anniversary year, the cardholders are issued $300 per person as travel reimbursement.

This reimbursement can help cardholders to offset the annual fees partially.

  1. 28 Degrees Platinum.

28 Degrees Cad is another one on our list that does not charge foreign overseas fees.

Also, it is the only travel rewards credit card that offers you free Global WI-FI.

The card does not have an annual fee. You also get 2.99% p.a on the purchases you make and advances.

Flight delay pass and international travel insurance come complimentary with the card.

The flight delay pass gives you access to free drinks, snacks, airport lounges, and free W-IFI for four of your travel mates if your flight is delayed for 2 hours or more.

This card also has optional extra protection insurance. But you have to apply and pay for the insurance.

The insurance includes purchase protection, life benefit, and price protection.

  1. Bankwest More World MasterCard.

If getting a mammoth of a rewards point is your main goal, Bankwest More World MasterCard is the right credit card for you.

This card comes with several perks, like earning 115,000 points if you spend $84,000 on eligible purchases.

The card is ideal for everyday use, and it does not have annual overseas fees.

Other perks you will get include ten yearly lounge visits to the airport via Loungekey, interstate flight inconvenience insurance, and one-year complimentary travel insurance.

Travel rewards cards have a lot to offer from sign-up bonuses to several benefits.

However, it is not easy finding the right one that will cater to all your traveling needs. If you are considering getting a travel credit card, it is paramount that you do due diligence to avoid getting the wrong card.

Whichever credit card you choose, ensure that it will offer maximum value for all your travels.

Also, consider the above factors when getting a travel rewards card.

These factors will help you save time and get the best travel credit cards that will give you lots of rewards.


Chris Jay Sewell
Chris Jay Sewell

Pure The Experience specializes advising and planning luxury travel experiences for high-end travelers and their families. Ready for your first or next luxury experience in another country planned out the easy way? Apply to be our next 'Travel Experience' client.