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

Vidhu Bajaj avatar
Vidhu Bajaj
- 2 min read
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If you’re looking for a credit card with rewards points, there are 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 your points for free flights, travel upgrades, retail discounts, and other exclusive deals. However, points hacking isn’t as simple as it seems—qualifying for bonus points may sometimes require you to meet specific terms and conditions.

Even though points hacking allows credit card holders to be rewarded for their spending, it’s important to consider if the fees and interest rates are worth it. Additionally, it’s worth considering if you can realistically meet the conditions to earn the rewards, and whether the rewards align with your needs and lifestyle. For instance, some card providers require you to spend a certain minimum amount within the introductory period to earn the bonus points. Make sure this aligns with your budget and spending pattern to avoid accruing unnecessary debt.

This month, there are several credit card options offering competitive six-figure bulk bonus rewards points ranging from 150,000 to 250,000 points. Be sure to compare your options to find the right card that fits your needs and lifestyle.

Credit cards offering the highest sign up Rewards Points in October 2024

 Card Company  Purchase Rate %  Points  Conditions 
Citi Prestige Card (Citi Rewards Program)Citi21.49%2,75,000 Spend $10,000 within the first 90 days.
Citi Premier CardCiti21.49%2,00,000Spend $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 BlackANZ Banking Group Limited20.99%1,80,000 180,000 ANZ Rewards Points and $150 cashback when you spend $3,000 within the first 90 days.
Rewards Signature CardNational Australia Bank Limited20.99%1,80,000130,000 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 Bank20.99%1,50,000 Spend $12,000.
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 02 October 2024.

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

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Product database updated 21 Dec, 2024

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

Promoted credit cards

Latitude Financial Services Aus Holding Pty Ltd credit cardLatitude Financial Services Aus Holding Pty Ltd

Latitude Financial Services Latitude Low-rate Card- Balance Transfer Offer

  • Balance Transfer
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Purchase rate p.a.

13.99%

Annual fee

$69

More detailsclick for more details

Australian Credit Licence 392145
Fees & charges apply

Kogan Australia Pty Ltd (Kogan Money) credit cardKogan Australia Pty Ltd (Kogan Money)

Kogan Money Black Card

  • RateCity Exclusive
  • Apple & Google Pay
  • Balance transfer
  • No annual fee

Purchase rate p.a.

0.00%

for up to 10 months, then 21.99%

Annual fee

$0

More detailsclick for more details

Australian Credit Licence 286655
Fees & charges apply

Latitude Financial Services Aus Holding Pty Ltd credit cardLatitude Financial Services Aus Holding Pty Ltd

Latitude Financial Services Latitude Low Rate Mastercard- Rewards Offer

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

Purchase rate p.a.

13.99%

Annual fee

$69

More detailsclick for more details

Australian Credit Licence 392145
Fees & charges apply

First Option Credit Union Limited credit cardFirst Option Credit Union Limited

First Option Bank Low Rate Visa Credit Card

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

Purchase rate p.a.

10.49%

Annual fee

$0

for 12 months then $48 thereafter

Australian Credit Licence 236509
Fees & charges apply

product data updated on

Product data updated on 21 Dec 2024