Let’s not forget the travel rewards available through NAB Bank and Citibank, two flexible programs with some bells and whistles worth having.

NAB Bank offers their Velocity and Velocity Gold cards as both a Visa and an American Express on the same account. The Visa earns one rewards point for every $2 purchase using the card, while the American Express earns 1.5 points and the American Express Gold earns two, giving you the ability to maximise your points earned with the simplicity of one transaction account—and with only one annual fee. To sweeten the deal, they’re also offering 3.99% p.a. on balances transferred from competing credit cards for the first six months the account is opened. Readmore