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

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

06 Sep, 2024 - 3 min read

Many credit cards offer attractive rewards points, with some even providing six-figure bonuses. These points can be redeemed for various perks, including retail discounts, exclusive experiences, and travel-related rewards. This month, several cards are offering competitive bonus points, ranging from 150,000 to 275,000. However, qualifying for these bonuses often requires meeting specific conditions, such as reaching a minimum spend within the introductory period.

Maximising rewards, or points hacking, can offer great perks but might also lead to overspending. While credit card points can enhance your travel experiences or provide lifestyle benefits, it's important to consider the associated fees and interest rates. It’s worth ensuring that you can comfortably meet the spending requirements without straining your finances.

Another factor to consider is credit card eligibility. Rewards cards often have strict eligibility requirements, including a minimum income level and a good credit score. Before applying, remember to check the eligibility criteria to increase your chances of approval.

Though collecting and redeeming credit card points can be rewarding, It's crucial to manage your credit card spending wisely to avoid interest charges and potential debt. The ideal credit card is one that aligns with your lifestyle, balances benefits with costs, and helps you optimise your spending. Be sure to carefully compare your options to find the best fit for your needs.

Card	Company	Purchase Rate %	Points	Conditions
Citi Prestige Card (Citi Rewards Program)	Citi	21.49%	2,75,000	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.
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 03 September 2024.

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.

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