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Top Australian Rewards Credit Cards to Consider in 2026
Explore the best Australian cards for rewards and cashback
Quick Picks
Best overall: Morrow Bank Kredittkort.
Best budget: re:member Black Mastercard.
Best for travelers: TF Bank Mastercard.
Fee-Free Options
For those who want to maximize rewards without the burden of annual fees, these cards offer excellent benefits. Each comes with its own set of perks, so consider what aligns best with your lifestyle and spending habits.
Morrow Bank Kredittkort
What sets the Morrow Bank Kredittkort apart is its generous 50-day interest-free period, the longest in the Norwegian market, combined with no annual fee. However, the lack of a cashback program may not appeal to those looking for immediate rewards.
re:member Black Mastercard
The draw here is the re:member Black Mastercard's up to 20% discount in over 200 online stores, making it ideal for online shoppers who don't want to pay an annual fee. However, the 2% foreign transaction fee could be a dealbreaker for frequent travelers.
While these fee-free options are excellent for budget-conscious users, the next set focuses on travelers seeking to save on foreign transactions and enjoy global acceptance.
Travel-Focused Picks
These cards are designed for those who frequently travel abroad and want to minimize fees while enjoying perks like insurance and worldwide acceptance.
TF Bank Mastercard
TF Bank Mastercard shines for travelers with its 0% foreign transaction fees and included travel insurance. The trade-off is a higher effective interest rate of 26.69% for those who carry a balance.
Trumf Kredittkort
You'd pick the Trumf Kredittkort if you frequently shop at NorgesGruppen stores, earning valuable bonuses. But, its 1.90% foreign transaction fee and high interest rate limit its appeal for international use.
For those who want to maximize their rewards without the fees, our Cashback Cards: Maximize Your Rewards Without the Fees article is a must-read.