How many points do I need to earn a reward?

Earning rewards points on some credit cards is getting harder. The points earning rate is different for all credit card providers and credit card customers need to carefully compare products to get good value. Recently two of the big banks, ANZ and Commonwealth Bank, and the Bank of Queensland have cut the rate at which credit card points accrue.

Generally American Express cards and companion cards have a higher earn rate, coupled with higher surcharges at many merchants.

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