ccpoints is a calculator for Australian credit card rewards. It uses factual information only: the earn rates, fees, bonus-point rules, and spend limits recorded for each card, applied to the amounts you enter. It does not provide financial advice, and it does not recommend a card.
Only if you choose to buy a Points Pass. We do not get paid to promote any card. We are not affiliated with any card issuers and we don't do referrals. The order of the cards is based on your calculator inputs and your choice of sorting only.
Points Pass is optional. The calculator works without it. You can choose to use it for quick access to redemption values that are otherwise hard to find and to see spending categories that can be hard to calculate.
These examples use the same calculations as the card list. You can use these examples to better understand how the calculator works and to verify the points you see.
American Express Explorer Credit Card (AMEX Rewards) offers 75,000 bonus points when spending in the first 3 months is at least $4,000.
This example uses a monthly spend of $3,000 and no initial large purchase.
American Express Explorer Credit Card (AMEX Rewards) earns 2 points per dollar (uncapped).
Calculator settings
Check bonus point eligibility
$3,000×3 months
= $9,000
Meets the $4,000 spend requirement, so the bonus points are added.
Points from spending
$3,000×2 points per dollar×12 months
= 72,000 points
Bonus points added
= 75,000 points
Total in 12 months: 147,000 points
American Express Qantas Premium Card (Qantas) offers 20,000 bonus points when spending in the first 3 months is at least $3,000.
This example uses a monthly spend of $500 and no initial large purchase.
American Express Qantas Premium Card (Qantas) earns 1 point per dollar (uncapped).
Calculator settings
Check bonus point eligibility
$500×3 months
= $1,500
Under the $3,000 spend requirement, so the bonus points are not added.
Points from spending
$500×1 point per dollar×12 months
= 6,000 points
Total in 12 months: 6,000 points
American Express Platinum Edge Credit Card (AMEX Rewards) has no bonus-point offer. The total is only the points earned on spending.
This example uses a monthly spend of $3,000 and no initial large purchase.
American Express Platinum Edge Credit Card (AMEX Rewards) earns 1 point per dollar (uncapped).
Calculator settings
Points from spending
$3,000×1 point per dollar×12 months
= 36,000 points
Total in 12 months: 36,000 points
An initial large purchase is added to the first month only. The other 11 months use the monthly spend on its own.
Coles No Annual Fee Credit Card (Flybuys) earns 0.5 points per dollar up to $5,000 each month, and 0 points per dollar above that.
This example uses a monthly spend of $3,000, which stays within that limit, and an initial large purchase of $5,000. The first month is $8,000, which is over the limit.
Calculator settings
First month, up to the limit
$5,000×0.5 points per dollar
= 2,500 points
First month, above the limit
$3,000×0 points per dollar
= 0 points
Other 11 months
$3,000×0.5 points per dollar×11 months
= 16,500 points
Total in 12 months: 19,000 points
Bankwest More Platinum Mastercard (More Rewards) earns 2 points per dollar up to $1,500 each month, and 0.5 points per dollar above that.
This example uses a monthly spend of $3,000 and no initial large purchase, so every month is calculated the same way.
Calculator settings
Up to the monthly limit
$1,500×2 points per dollar×12 months
= 36,000 points
Above the monthly limit
$1,500×0.5 points per dollar×12 months
= 9,000 points
Total in 12 months: 45,000 points
Show second year adds another 12 months of points from the ongoing monthly spend. An initial large purchase is counted in the first year only. This option is available with a free account.
American Express Qantas Discovery Card (Qantas) is used with a monthly spend of $3,000 and no initial large purchase, so each year is calculated the same way.
American Express Qantas Discovery Card (Qantas) earns 0.75 points per dollar (uncapped).
Calculator settings
Year 1
$3,000×0.75 points per dollar×12 months
= 27,000 points
Year 2
$3,000×0.75 points per dollar×12 months
= 27,000 points
Total over 24 months: 54,000 points
Example card only. One month of spend is split across categories, then counted for 12 months.
Separate spending categories can be entered with Points Pass.
If that same amount is entered as monthly spend without a category split, every dollar earns the other rate.
Everyday spending
$1,000×1 point per dollar×12 months
= 12,000 points
Flight partner spending
$500×2 points per dollar×12 months
= 12,000 points
International spending
$200×3 points per dollar×12 months
= 7,200 points
Other spending
$300×0.5 points per dollar×12 months
= 1,800 points
Total in 12 months: 33,000 points
Without a category split
$2,000×0.5 points per dollar×12 months
= 12,000 points