Cards · snapshot 21 Sep 2026
Credit cards
Why this matters. Points and an annual fee can be written as dollars once you type what you spend. The table starts in alphabetical order. It is not a credit recommendation, and there is no apply button.
Monthly spend in. The tables start in alphabetical order. Click a column heading to sort.
General information only. This is not a credit recommendation. Offers change; this file is frozen at 21 Sep 2026.
Rewards · net this year
Points cards only. Travel / FX is a separate section underneath — 28 Degrees should not “lose” to Ultimate on a grocery month.
American Express Explorer Amex · AMEX | $756 | −$5 | $63121 Sep 2026 | ▾ |
American Express Platinum Card Amex · AMEX | $851 | $1,000 | −$30121 Sep 2026 | ▾ |
American Express Platinum Edge Amex · AMEX | $756 | $195 | $43121 Sep 2026 | ▾ |
Amex Velocity Platinum Amex · AMEX | $608 | $440 | $3821 Sep 2026 | ▾ |
ANZ Frequent Flyer Platinum ANZ · VISA | $445 | $295 | $2021 Sep 2026 | ▾ |
NAB Qantas Rewards Signature NAB · VISA | $648 | $420 | $9821 Sep 2026 | ▾ |
Qantas American Express Ultimate Amex · AMEX | $810 | $0 | $68021 Sep 2026 | ▾ |
Qantas Premier Gold Qantas / NAB · VISA | $499 | $249 | $12021 Sep 2026 | ▾ |
Qantas Premier Platinum Qantas / NAB · VISA | $674 | $399 | $14521 Sep 2026 | ▾ |
Next: Phone plans — Roaming for a conference is a different bill from an overseas card fee.
What doctors often miss
Net is points value, minus the annual fee, plus travel credit you said you use, minus FX and any interest sketch. It is not a credit recommendation.
Included / Not included
Included
- Annual fee, earn rate, and the interest and FX fees in the frozen file · 21 Sep 2026
Not included
- Sign-on offers that have expired
- Your credit approval
- A recommendation of a card
- Card insurance, and inflation. Interest only if pay-in-full is off
Assumptions you can edit are the inputs on this page. This is a model, not a prediction, a tax assessment, or a recommendation.
A rough figure — not advice. Terms
Travel cards
Conference week · FX and lounge
Lounge products are a different question to grocery points. Click a row. Snapshot 21 Sep 2026.
28 Degrees Platinum Latitude · MASTERCARD | 0.0%21 Sep 2026 | — / $ | None | $0 | ▾ |
American Express Explorer Amex · AMEX | 3.0%21 Sep 2026 | 2 / $ | Partner lounge credits — not Qantas Club | −$5 | ▾ |
American Express Platinum Card Amex · AMEX | 3.5%21 Sep 2026 | 2.25 / $ | Priority Pass / Centurion / dining credit — charge card | $1,000 | ▾ |
Amex Velocity Platinum Amex · AMEX | 3.0%21 Sep 2026 | 1.25 / $ | Virgin Australia lounge on VA flights (domestic) | $440 | ▾ |
No-fee Visa (ING-style) ING / similar · VISA | 3.0%21 Sep 2026 | — / $ | None | $0 | ▾ |
Qantas Premier Platinum Qantas / NAB · VISA | 3.0%21 Sep 2026 | 1.5 / $ | 2× Qantas Club passes / year | $399 | ▾ |
Also
Advertisement — labelled, never inside the number.