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Compare Credit Card Rewards


Flight Rewards for Frequent Flyers with Qantas or Air New Zealand.

A recent consumer report compared flight rewards with credit cards and showed how many flights to Sydney you would get if spent $25000/yr on your credit card:

Best

Amex Blue with turbo rewards 0.73 (card fee $163/yr)

Qantas ANZ Platinum card best cards 0.69 ($105/yr)

0.73 means 73% of the value of the flight. So you’d need to spend $25000 to get just 73% of points needed to fly to Sydney!

(Note the taxes & fuel surcharges are often not included on these frequent flyer flights and can be very expensive in these days of high fuel prices (around $100 to sydney!))
 
It can therefore take a lot of spending to get your rewards. Also, with any reward scheme, always consider any annual fees; you may find that you’ve been charged more in fees than you’ve saved with rewards!


Cashback rewards

Low spenders:

Amex Blue (fee $35 waived for 1st year)
Spend over 12 months

NZ$1 - $2,000	0.50% of eligible spend up to $2,000
NZ$2,001 - $4,500	0.75% of eligible spend between $2,001 and $4,500
NZ$4,501 +	1% of eligible spend above $4,500

Max cashback: $1100 per 12 months

Middle to high spenders:

National Bank Thoroughbred cards

Thoroughbred Card (fee $45/yr)

Spend: $2000-$7999/yr:  0.5% cashback of your spend (spend $5000 get $25 back)
             $8000-30,000/yr: 1% cashback  (spend $12000 get $120)

Gold Thoroughbred Card (fee $95 but includes gold travel insurance)

Spend: $2000-7999/yr:     0.5% cashback of your spend (spend $5000 get $25 back)
             $8000-50,000/yr: 1% cashback  (spend $12000 get $120)