Point Hacks Credit Card Offers
Discover December’s top Australian credit card offers with up to 300,000 bonus points, competitive annual fees, and flexible rewards to suit your lifestyle.
The Point Hacks Noteworthy Credit Card Offers list for December 2025 highlights some of the most rewarding options for frequent flyers and everyday spenders. This independent review examines the leading cards with clear, unbiased guidance on points, perks, and overall value—helping you make the best decision for your wallet.
The St.George Amplify Rewards Signature currently boasts up to 160,000 Amplify Rewards Points, with annual fees starting at $199 for the first year, then $295 thereafter. For those loyal to Qantas, the Qantas Money Titanium card provides a 150,000 points sign-up bonus, albeit with a premium $1,200 annual fee. At the top of the business range, the American Express Platinum Business Card leads the way, offering 300,000 Membership Rewards Points for $1,750 per year.
Interest rates, credit limits, and conditions vary by card and provider and are subject to eligibility checks. Ensure you meet all spending requirements within set periods to earn the full bonus points. Each card is subject to the card provider’s standard lending criteria.
How to Apply: Step by Step
- Check eligibility conditions for your chosen offer.
- Gather required personal and financial documentation.
- Complete an online application with your details.
- Submit to the provider for credit assessment.
- If approved, activate your card and start spending to earn bonuses.
Pros of These Credit Card Offers
The best bonus offers present a significant points windfall—perfect for funding travel, shopping, or upgrades. Flexible rewards programs allow points to be transferred across airlines or redeemed as gift cards.
Many of these cards come loaded with perks like airport lounge access, complimentary insurance, and reduced annual fees in the first year—boosting value well beyond just the sign-up bonus.
Cons to Consider
High annual fees may outweigh benefits if you don’t maximise rewards. Some cards require substantial minimum spending within the initial months to qualify for big bonuses.
Eligibility restrictions often bar previous holders from earning repeat bonuses, and not all cards are suitable for those wanting no-fee or low-interest options.
Final Verdict
December 2025 brings some of the best credit card bonus offers we’ve seen, but it’s crucial to match the right card to your habits and goals. If you are seeking to unlock premium rewards and are prepared to meet the spend thresholds and ongoing costs, these featured deals provide an outstanding value proposition.