Refpo Credit Cards

Best Credit Cards in Australia

Browse country-specific cards and compare fees, rewards, and benefits.

MONEYME

MONEYME Cashback Rewards Credit Card

Earn 1% cashback on eligible everyday purchases with a simple rewards structure, making it one of Australia's strongest cashback credit cards for regular spenders.

1% ongoing cashback
Simple cashback structure
Good for everyday spending

Joining fees

Renewal fees

$149 annual fee

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Coles Financial Services

Coles Rewards Mastercard

One of Australia's best shopping and fuel rewards credit cards, offering up to 2 Flybuys points per A$1 spent, strong Coles shopping rewards, fuel savings through Flybuys partners, and a valuable welcome offer.

Up to 2 Flybuys Points per A$1 spent
A$250 welcome gift card
Flybuys points convertible to Velocity Frequent Flyer points

Joining fees

A$0

Renewal fees

A$99

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Card 1Card 2

Field	MONEYME Cashback Rewards Credit Card	Coles Rewards Mastercard
Bank/provider	MONEYME	Coles Financial Services
Joining fee	$0	A$0
Renewal fee	$149 annual fee	A$99
Best for	Ongoing cashback on everyday card spending	Fuel, Groceries, Shopping, Flybuys Rewards
Reward rate	1% cashback on eligible transactions 3% cashback on fuel purchase	2 Flybuys Points per A$1 on eligible purchases up to A$3,000 per statement period 1 Flybuys Point per A$1 thereafter up to A$8,000 per statement period Additional Flybuys points when shopping at Coles and scanning your Flybuys card
Cashback	1% of eligible spend, capped monthly based on credit limit	2,000 Flybuys Points = A$10 Flybuys Dollars Approximate base value around 1% back in Flybuys Dollars
Lounge access	No	No
Fuel surcharge waiver	No	No
Welcome benefit	No standard welcome bonus currently advertised	A$250 Coles Gift Card: Spend A$3,000 within 90 days of approval
Annual fee waiver condition	Not generally available	No
Eligibility	Must be 18 years or older Must be an Australian citizen or permanent resident (eligible visa holders may also qualify) Must have a valid Australian residential address	18+ years old Australian resident Regular income
Apply link	Apply	Apply

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