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 all from the same bank, with ANZ being one of very few card issuers in Australia to partner with all five ways to pay.
1. ANZ Frequent Flyer Black Visa
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 Visa tops the charts as the most rewarding card in Australia that’s compatible across all five digital wallets.
There’s also an offer of 75,000 bonus Qantas Points plus $200 back on your statement for qualifying customers who make one eligible purchase 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 $225 in the first year, after taking that statement credit into account.
2. ANZ Rewards Black Visa
Next in line is the ANZ Rewards Black Visa, serving up two ANZ reward points per $1 spent up to $5,000 per statement period – equal in value to one Virgin Australia Velocity point per $1 spent – and beyond that, you can continue earning the equivalent of 0.5 Velocity points per $1 spent, uncapped, until the next statement period begins.
The card carries a $375 annual fee, although new customers could pocket 75,000 bonus ANZ reward points (=37,500 bonus Velocity points) plus $100 back on their statement after making an eligible purchase in the first three months, reducing the ‘cost’ of the annual fee to $275 in the first year.
If you don’t fancy earning Velocity points, ANZ reward points can also be converted into Singapore Airlines KrisFlyer Miles, Cathay Pacific Asia Miles and Air New Zealand Airpoints Dollars at varying rates.
3. ANZ Frequent Flyer Platinum Visa
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 Visa, yours for $295/year.
In the first year though, the real cost of that annual fee on the hip pocket is reduced to $145, when considering ANZ’s offer of $150 back on your credit card, plus 65,000 bonus Qantas Points, after making one eligible purchase in the first three months.
While both the ANZ Frequent Flyer Black Visa and the ANZ Rewards Black Visa have a minimum income requirement of $75,000 per year to apply, on the ANZ Frequent Flyer Platinum Visa, that’s reduced to $35,000/year – so even if you don’t qualify for a Black-level card, you could still earn points at reasonable rates using Platinum plastic.
4. ANZ Rewards Platinum Visa
Also with a $35,000 income requirement, the ANZ Rewards Platinum Visa provides the equivalent of 0.75 Velocity points 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 0.25 Velocity points.
Although ANZ’s higher-tier Rewards Black Visa gives a more generous points earning rate, the Rewards Platinum Visa comes with an annual fee of $95 – and only a $45 ‘cost’ in the first year for qualifying new customers who receive $50 back on their statement, plus 65,000 bonus ANZ reward points (=32,500 bonus Velocity points) after making one eligible purchase in the first three months.
5. ANZ Rewards Travel Adventures Visa
With the same points earning rates and qualifying income as the ANZ Rewards Platinum Visa yet with a higher annual fee of $225, the ANZ Rewards Travel Adventures card offers added benefits in return for the increased cost.
Firstly, a complimentary return Virgin Australia domestic flight each year until the card is cancelled, plus two Virgin Australia lounge passes every year: yours in the first year when you spend $500 on purchases within three months of card approval, and every year thereafter.
You’ll also pay no international transaction fees on overseas purchases, and there’s an offer of 40,000 bonus Velocity points credited directly to your Velocity account when you spend $500 on purchases in the first three months of card approval.
Honourable mention: Also with support for all five digital wallets, the Bendigo Bank 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 any of the cards above, continuing with a fixed monthly cap as opposed to the ability to earn unlimited points at a reduced rate.