CREDONOMICSInvestment Solutions Back to tools Live comparison tool
Credit Card Finder
Compare up to three cards using your own reward rates, caps, fee waiver and spending pattern. No hidden product assumptions.
Comparison engineNet annual value
Your spending
Set one monthly spend
Enter rates from the current issuer terms. “Spend earning bonus” is the share of your monthly spend that qualifies for the bonus rate. Fee GST is calculated at 18% when the fee is not waived.
What the ranking means
Compare the value you keep, not the headline reward rate.
01 Your spend is split between base-rate and bonus-rate transactions.
02 The monthly reward cap is applied before annualising the rewards.
03 The annual fee plus GST is deducted unless your spend crosses the waiver threshold.
04 Cards are ranked by net annual value, then shown with the effective return on your total spend.