Whether you’re an Apple or Android smartphone user or prefer Apple, Fitbit or Garmin smartwatches, chances are you already have access to Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and/or Garmin Pay – all of which can be your ticket to earning valuable frequent flyer points with just one tap.
For example, you might have an iPhone – compatible with Apple Pay – and can use that to pay for purchases in-store and online using your points-earning credit card.
At the same time, a Fitbit Ionic or Versa smartwatch – both of which work with Fitbit Pay – might come in handy for making small purchases after your workout, where you may not be carrying your wallet or even your phone.
Your own combination could be even simpler: an Apple iPhone for personal use and a Samsung or other suitable Android smartphone for business trips and calls, where having a credit card linked to both devices could save time and hassle, whatever your day calls for.
If you’re one to mix and match wrist and mobile technology but want a single credit card that can be linked to any combination of digital wallets, here are the top five points-earning credit cards that support all five digital wallets in Australia – and surprisingly, they’re from just two bank, with ANZ and Bendigo Bank two of very few card issuers in Australia to partner with all five ways to pay.
1. ANZ Frequent Flyer Black Card
With a solid earning rate of one Qantas Point per $1 spent up to $7,500 per month and 0.5 Qantas Points per $1 spent thereafter, uncapped, the ANZ Frequent Flyer Black Card tops the charts as the most rewarding card in Australia that’s compatible across all five digital wallets.
For eligible new customers, there’s also an offer of 120,000 bonus Qantas Points plus $275 back to your new ANZ Frequent Flyer Black card when you apply and spend $4,000 on eligible purchases in the first three months – whether through a mobile wallet or using the physical card.
An annual fee of $425 applies, but that’s reduced to a net cost of $150 in the first year, after taking that statement credit into account.
Bank disclaimer: New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $425).
2. ANZ Rewards Black Card
Next in line is the ANZ Rewards Black Card, serving up two ANZ reward points per $1 spent up to $5,000 per statement period – equal in value to 0.66 Singapore Airlines KrisFlyer miles per $1 spent – and beyond that, you can continue earning the equivalent of 0.33 KrisFlyer miles per $1 spent, uncapped, until the next statement period begins.
The card carries a $375 annual fee, although new customers could pocket 150,000 bonus ANZ reward points (=50,000 bonus KrisFlyer miles) after spending $4,000 on eligible purchases in the first three months from approval.
If you don’t fancy earning KrisFlyer miles, ANZ reward points can also be converted into Cathay Pacific Asia Miles and Air New Zealand Airpoints Dollars at varying rates.
Bank disclaimer: New card. T&Cs, spend & eligibility criteria, fees & charges apply (including annual fee currently $375).
3. ANZ Frequent Flyer Platinum Card
For an earning rate of 0.75 Qantas Points per $1 spent up to $3,000 per month and 0.5 Qantas Points per $1 spent thereafter, look to the ANZ Frequent Flyer Platinum Card, yours for $295/year.
In the first year though, the real cost of that annual fee on the hip pocket is reduced to $100, when considering ANZ’s offer of 50,000 bonus Qantas Points and $195 back to your new ANZ Frequent Flyer Platinum card when you spend $2,000 on eligible purchases in the first three months from approval.
Bank disclaimer: New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $295).
4. ANZ Rewards Platinum Card
The ANZ Rewards Platinum Card provides the equivalent of 0.5 KrisFlyer miles per $1 spent up to $2,000 per month (given as 1.5 ANZ reward points per $1 spent), transitioning to 0.5 ANZ reward points per $1 spent thereafter, equal to 0.16 KrisFlyer miles.
Although ANZ’s higher-tier Rewards Black Card gives a more generous points earning rate, the Rewards Platinum Card comes with an annual fee of $95, plus 100,000 bonus ANZ reward points (=33,333 bonus KrisFlyer miles) after spending $2,500 on eligible purchases in the first three months.
Bank disclaimer: New card. T&Cs, spend & eligibility criteria, fees & charges apply (including annual fee currently $95).
5. Bendigo Bank Qantas Platinum Mastercard
Bendigo Bank's Qantas Platinum Mastercard provides 0.6 Qantas Points per $1 spent, capped at 20,000 points per month.
At the start of each month, that’s a lower ‘everyday’ earn rate than the competing ANZ Frequent Flyer credit cards above, with Bendigo's card also continuing with a fixed monthly cap as opposed to the ability to earn unlimited points at a reduced rate, as with ANZ.
ANZ disclaimer: To apply for any of these credit cards, you must:
-Be 18 years of age or over, and;
-Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa.