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

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

11 Nov, 2024 - 3 min read

If you’re searching for a credit card to maximise rewards, there are several options on the market that could earn you up to a six-figure bonus. Depending on the card you choose, you may be able to redeem these points for valuable perks such as free flights, travel upgrades, retail discounts, and more. However, accumulating rewards points may not be as simple as just signing up for a card; many card providers require you to meet specific terms and conditions to earn the bonus points. It’s worth reviewing the terms and conditions associated with each card to ensure you’re getting a deal that works for you.

While points hacking can be rewarding, it’s important to find a card that suits your unique financial situation. High-interest rates and annual fees can sometimes eat away at the benefits, so it’s crucial to evaluate whether the rewards justify the costs. Additionally, consider whether you can comfortably meet the spending requirements within the promotional period to fully benefit from the bonuses offered.

At present, some credit card issuers are offering six-figure bonus points ranging from 150,000 to 250,000 points. Be sure to compare your options and choose a card that aligns with your spending habits and lifestyle goals.

Card	Company	Purchase Rate %	Points	Conditions
Citi Prestige Card (Citi Rewards Program)	Citi	21.49%	2,50,000	Spend $10,000 within the first 90 days.
Citi Premier Card	Citi	21.49%	2,00,000	Spend $7,000 within the first 90 days and earn 150,000 bonus points and 50,000 bonus points if you keep the card for over 1 year.
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.
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 the first eligible purchase in year 2.

Source: RateCity.com.au. Data accurate as of 05 November 2024.

Compare credit cards

10.49%

for 12 months then $48 thereafter

Australian Credit Licence 236509

Fees & charges apply

First Option Bank Low Rate Visa Credit Card

Special
Apple, Google & Samsung Pay
Balance transfer
Low annual fee

20.99%

21.99%

$375

Australian Credit Licence 234527

Fees & charges apply

ANZ Rewards Black

Bonus Points
Apple, Google & Samsung Pay
Balance transfer

13.74%

21.99%

$58

Australian Credit Licence 234527

Fees & charges apply

ANZ Low Rate (Credit Back Offer)

Special
Apple, Google & Samsung Pay
Balance transfer
Low annual fee

20.99%

$199

Australian Credit Licence 229882

Fees & charges apply

Suncorp Bank Clear Options Platinum Card (Qantas Rewards)

Bonus Points
Samsung Pay
Balance transfer

Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL 229882 Australian Credit Licence 229882). The SUNCORP brand and Sun Logo are used by Suncorp Bank (Norfina Limited) under licence and Suncorp Bank is not part of the Suncorp Group.

Product database updated 04 Apr, 2025

This article was reviewed by Personal Finance 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.