Travel Credit Card Rewards

Travel Points Calculators
Calculate travel credit card rewards based on spend and compare results side by side to find the best travel credit card for you. Also includes calculators for calculating the cash value of travel rewards points and the transfer of rewards to partners.

Travel credit card rewards are best if you're looking to earn rewards that can be redeemed to cover general travel expenses. This can include airfare, hotels, car rentals, cruises and more.

The most popular travel rewards programs are the ones that allow you to transfer your earned points to airline, hotel, and other loyalty programs. This gives you the chance to get significantly more value out of your rewards and it provides excellent flexibility as you'll have many options when it comes to redemptions.

The drawback to travel rewards credit cards is that points earned with these cards are typically best used for travel. This means redemptions such as cash back, gift cards, and statement credits towards non-travel purchases will give you low value.

If you're planning on using your rewards primarily for travel, you'll want to consider a travel rewards credit card.

American Express Membership Rewards Point Calculators

American Express offers six credit cards that earn Membership Rewards Points. Points can be redeemed with AMEX for an average of 0.5 cents each, but you can get over 1 cent in value when transferring to AMEX's airline and hotel partners.

If you're looking for flexibility in your rewards, American Express is one of the best programs as you'll be able to transfer your points to over 10 programs including Virgin Australia, Air New Zealand, and Marriott Bonvoy to name a few.

Best For Earning Points

The American Express Explorer® Credit Card
The American Express Explorer® Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2 Points per $1 spent on purchases excluding government bodies in Australia
1X
Earn 1 Point per $1 spent on purchases at government bodies in Australia
Main Card Highlights
  • Receive $400 to spend on eligible domestic and international flights, hotels, car hire or unique experiences with American Express Travel
  • Complimentary domestic and international Travel Insurance for you, your partner and your dependent children under the age of 22 when you purchase a return trip on your Card
  • Enjoy two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport
  • Redeem points with your choice of 9 airline partner programs including Virgin Australia and Singapore Airlines or with AMEX's Hotel Partner, Hilton Honors
  • Receive up to US$100 hotel credit and room upgrade (when available) at select hotels in The Hotel Collection when you book two consecutive nights’ stay
  • Smartphone Screen Insurance, covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Explorer Credit Card
Annual Fee
$395
Authorized User Fee
$0 (Up to 4)
Currency Conversion Fee
3%
Best For Supermarkets & Petrol Stations
Best For Luxury Travel & Lounge Access
Calculate the average cash value of Membership Rewards Points.

Amplify Rewards Point Calculators

The Amplify Rewards Program is shared between Bank of Melbourne (BoM), BankSA, and St. George in which all three banks are subsidiaries of Westpac.

Each of these banks offer identical financial products, so you're really only choosing between whether or not you want the Amplify Rewards Signature or Amplify Rewards Platinum. The bank you choose to get the card from doesn't really matter, so I would choose the bank that works best for you.

Amplify Points range in value from 0.45 cents to 0.6 cents per point, but you can transfer them to partners for a chance at significantly higher value. Points can be transferred to Malaysia Airlines Enrich, Singapore KrisFlyer, and Virgin Australia Velocity Frequent Flyer.

Best For Rewards & Benefits

Bank of Melbourne Amplify Rewards Signature
Bank of Melbourne Amplify Rewards Signature
Intro Bonus
View Issuer's Website
Rewards Rate
1.5X
Earn 1.5X Amplify Points per $1 on eligible purchases, uncapped
Main Card Highlights
  • Earn 1.5 Amplify Points for every dollar spent on eligible purchases – uncapped
  • Get interstate flight inconvenience insurance, up to 6 months’ complimentary cover for overseas travel insurance, plus extended warranty, purchase security for up to 4 months’ and transit accident insurance.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enrol at prioritypass.com/amplifysignature
  • Within 4 weeks of your birthday, receive an additional 10% of the points earned in the last 12 months
  • Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available
Annual Fee
$279
Authorized User Fee
$0
Currency Conversion Fee
3%

ANZ Rewards Point Calculators

ANZ offers four rewards credit cards that earn points at a flat rate across all purchases based on how much you spend during a statement period.

ANZ Points have an average value of around 0.4 cents each and can be redeemed for cash back and gift cards. Points can also be transferred to a handful of travel partners including Air New Zealand, Singapore Airlines, and Virgin Australia.

Best For High Earnings

ANZ Rewards Black credit card
ANZ Rewards Black credit card
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period
1X
Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
Main Card Highlights
  • Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
  • A higher Reward Points earn rate compared to other ANZ Rewards cards
  • Uncapped ANZ Reward Points
  • 7 complimentary insurances including International Travel Insurance
  • Up to 55 days interest free on purchases
Annual Fee
$375
Authorized User Fee
$65 (Up to 9)
Currency Conversion Fee
3%
Best For International Spending
Best For Low Annual Fee
Calculate the cash value of ANZ Rewards Points

Bankwest Rewards Point Calculators

Bankwest offers three credit cards in the More Rewards program that earns points at a flat rate across all purchases. Points earned with these cards are worth 0.22 to 0.25 cents each depending on the redemption.

Best For Earnings & Travel Benefits

Bankwest More World Mastercard
Bankwest More World Mastercard
Intro Bonus
View Issuer's Website
Rewards Rate
2.5X
Earn 2.5 More Rewards points per $1 spent on eligible purchases
Main Card Highlights
  • Earn 115k annual bonus points. Min spend applies.
  • Enjoy your holiday without worrying about foreign transaction fees on your online and overseas purchases.
  • Enjoy 10 complimentary airport lounge visits each calendar year and access over 1000 lounge worldwide with LoungeKey
  • Complimentary extended warranty, price guarantee insurance and purchase security insurance
  • Complimentary overseas travel insurance.
Annual Fee
$270
Authorized User Fee
$0
Currency Conversion Fee
0%

BOQ Q Rewards Point Calculators

BOQ offers two credit cards in their Q Rewards program that earns points at a flat rate across all purchases. Points can be redeemed for gift cards, cash back, and much more.

You can also transfer Q Rewards Points to Flybuys and Virgin Australia Velocity Frequent Flyer for a shot at higher value.

Best For Rewards & Coverage

BOQ Platinum Visa Credit Card
BOQ Platinum Visa Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2 Q Rewards points on every dollar spent on eligible purchases
Main Card Highlights
  • Complimentary Purchase Cover Insurance - Feel safe, with cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply)
  • Guaranteed Pricing Scheme - No regrets, with a refund up to $500 if you buy an eligible item that goes on sale afterward
  • Complimentary International Travel Insurance - Assurance when you and your family travel (terms, conditions, limits and exclusions apply)
Annual Fee
$129
Authorized User Fee
$0
Currency Conversion Fee
3.4%
Calculate the cash value of Q Rewards Points

Westpac Altitude Rewards Point Calculators

Westpac offers two credit cards in their Altitude Rewards program. These cards earn bonus points with select airlines and retail partners as well as offer great travel and purchase coverage.

Points have the highest value when redeemed through Altitude Travel or when transferred to Westpac's airline partners.

Best For Value

Westpac Altitude Rewards Black
Westpac Altitude Rewards Black
Intro Bonus
View Issuer's Website
Rewards Rate
6X
Earn 6 points per $1 spent on Qantas, Jetstar, Singapore Airlines and Emirates flights bought in Australia, eligibility criteria apply.
2X
Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
1.25X
Earn 1.25 points per $1 spent on all other eligible purchases
Main Card Highlights
  • With Westpac Altitude Rewards Black you’ll also earn points at a higher rate when you use your card with select partners, including Uber, Spotify Premium and Airbnb.
  • Shop and travel with confidence with complimentary cover for domestic and overseas travel and extended warranty
  • Relax before you fly with 2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion.
  • Add a second cardholder (16 years or older) at no extra cost
Annual Fee
$250
Authorized User Fee
$0
Currency Conversion Fee
3%
Calculate the cash value of Westpac Rewards Points

All Travel Credit Card Rewards Calculators

Calculate credit card rewards for travel and bank rewards programs in Australia. You can also calculate the transfer of points between programs as well as the cash value of points based on redemption for several of the listed programs.

Calculate Travel Credit Card Rewards

Calculate which travel rewards credit cards will earn you the most rewards and best return based on your spend.

Results will consist of top-rated travel rewards credit cards from our partners and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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