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Credit cards offering the biggest sign-up rewards point bonuses in December 2024

Credit cards offering the biggest sign-up rewards point bonuses in December 2024

04 Dec, 2024 - 2 min read

If you're in the market for a credit card with rewards points, you could potentially earn up to a six-figure bonus. Depending on the card you select, these points can be redeemed for free flights, travel upgrades, retail discounts, and other exclusive perks. However, earning bonus points isn’t always straightforward - meeting the required terms and conditions is often necessary.

While points hacking can reward cardholders for their spending, it’s essential to weigh the costs, such as fees and interest rates, against the benefits. Consider whether you can realistically meet the conditions to earn the rewards and if those rewards align with your spending habits and lifestyle. For example, some credit cards require you to spend a minimum amount within an introductory period to qualify for bonus points. Ensure this fits within your budget to avoid unnecessary debt.

This month, several credit card options are offering enticing six-figure bonus rewards, ranging from 150,000 to 250,000 points. Take the time to compare your options to find a card that best suits your needs and spending patterns.

Card	Company	Purchase Rate %	Points	Conditions
Citi Prestige Card (Citi Rewards Program)	Citi	22.49%	2,50,000	Spend $10,000 within the first 90 days.
Rewards Black	ANZ Banking Group Limited	20.99%	1,80,000	180,000 ANZ Rewards Points and $150 cashback when you spend $3,000 within the first 90 days.
Rewards Signature Card	National Australia Bank Limited	20.99%	1,80,000	130,000 bonus points when you spend $3,000 within the first 60 days and 50,000 bonus points if you keep the card for over 1 year.
Citi Premier Card	Citi	22.49%	1,50,000	Spend $7,000 within the first 90 days and earn 120,000 bonus points and 30,000 bonus points if you keep the card for over 1 year.
Amplify Signature (Amplify Rewards)	St. George Bank	20.99%	1,50,000	Spend $12,000 within the first 12 months from card approval in one or more transactions.
Altitude Black (Altitude Rewards)	Westpac Banking Corporation Ltd.	20.99%	1,50,000	100,000 Rewards Points in year 1 when you spend $6,000 within the first 120 days and 50,000 points after first eligible purchase in year 2.

Source: RateCity.com.au. Data accurate as of 01 December 2024.

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Product database updated 05 Dec, 2024

This article was reviewed by Home & Personal Finances Editor Mark Bristow before it was published as part of RateCity's Fact Check process.

Vidhu Bajaj

Personal Finance Writer

Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.