{"id":534394,"date":"2025-08-26T16:15:37","date_gmt":"2025-08-26T06:15:37","guid":{"rendered":"https:\/\/dmarge.com\/?p=534394"},"modified":"2025-08-27T09:10:46","modified_gmt":"2025-08-26T23:10:46","slug":"best-worst-credit-cards-in-australia","status":"publish","type":"post","link":"https:\/\/dmarge.com\/travel\/best-worst-credit-cards-in-australia","title":{"rendered":"The Secret Hierarchy Of Credit Cards In Australia And The Perks That Matter Most"},"content":{"rendered":"<p>Choosing the right <a href=\"https:\/\/dmarge.com\/travel\/best-australian-credit-cards\" target=\"_blank\"  rel=\"noreferrer noopener\">credit card<\/a> can be a minefield of fees and perks which often go unused. So here\u2019s a practical, Australia-focussed deep dive into the cards that actually deliver value right now.<\/p><p>I\u2019ve grouped them by what they\u2019re best at, then added quick-read tables and a nuts-and-bolts explainer on fees, interest, networks and points. Where numbers matter, I\u2019ve cited the bank or card issuer.<\/p><p>Australian cards are split into three broad camps: bank-issued Visa and Mastercard products that earn either airline points or flexible bank points, American Express proprietary cards that usually earn faster and add premium travel perks, and specialist \u201c<a target=\"_blank\" href=\"https:\/\/www.commbank.com.au\/support.credit-cards.what-is-an-international-transaction-fee.html\" rel=\"noreferrer noopener\">no FX fee<\/a>\u201d cards that strip costs for overseas and online spending.<\/p><p>Value almost always comes from perks and points, not carrying a balance. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-2135877470\" class=\"ad-container\"><script type=\"text\/javascript\">var load_1882543555 = function () {googletag.cmd.push(function () {var slot_1882543555 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[300,250],[320,100],[320,180],[336,280],[640,360]],\"incontent-2135877470\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_1882543555.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-2135877470\");});};adsQueue.push(load_1882543555);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                    <div class=\"content-subscribe\">\n        <div class=\"subscribe-box\">\n            <p class=\"subscribe-title\">Curated news for men, <br\/>delivered to your inbox.<\/p>\n            <form class=\"subscribe-form\" method=\"POST\">\n                <div class=\"subscribe-input\">\n                    <label class=\"screen-reader-text\" for=\"subscribe-email\">Email:<\/label>\n                    <input type=\"email\" name=\"email\" id=\"subscribe-email\" placeholder=\"Enter your email\" required class=\"form-control\" autocomplete=\"on\" \/>\n                    <button type=\"submit\" class=\"button button-primary subscribe-button\">Sign Up<\/button>\n                    <input type=\"hidden\" name=\"source\" value=\"article\" \/>\n                    <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"e2df992756\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/534394\" \/>                <\/div>\n                <div class=\"form-result\"><\/div>\n            <\/form>\n            <p class=\"subscribe-copy\">Join the DMARGE newsletter \u2014 Be the first to receive the latest news and exclusive stories on style, travel, luxury, cars, and watches. Straight to your inbox.<\/p>\n        <\/div>\n    <\/div>\n    <p>Purchase interest on rewards cards typically sits around 20 to 24 percent p.a., so the game is to pay in full and harvest the benefits. MoneySmart has a good primer on how interest-free days work and why carrying debt on a rewards card is costly.<\/p><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>In this <em>Best Australian Credit Cards<\/em> Guide<\/h2><ul><li><a href=\"#h-our-top-picks-by-customer-goal\" data-level=\"2\">Our Top Picks by Customer Goal<\/a><\/li><li><a href=\"#h-what-you-actually-get-with-the-headline-cards\" data-level=\"2\">What you Actually Get With the Headline Cards<\/a><ul><li><a href=\"#h-qantas-american-express-ultimate\" data-level=\"3\">Qantas American Express Ultimate<\/a><\/li><li><a href=\"#h-american-express-explorer\" data-level=\"3\">American Express Explorer<\/a><\/li><li><a href=\"#h-commbank-ultimate-awards\" data-level=\"3\">CommBank Ultimate Awards<\/a><\/li><li><a href=\"#h-nab-rewards-signature\" data-level=\"3\">NAB Rewards Signature<\/a><\/li><li><a href=\"#h-virgin-money-velocity-high-flyer\" data-level=\"3\">Virgin Money Velocity High Flyer<\/a><\/li><li><a href=\"#h-anz-frequent-flyer-black\" data-level=\"3\">ANZ Frequent Flyer Black<\/a><\/li><li><a href=\"#h-westpac-low-rate\" data-level=\"3\">Westpac Low Rate<\/a><\/li><li><a href=\"#h-latitude-28-global-platinum-mastercard\" data-level=\"3\">Latitude 28\u00b0 Global Platinum Mastercard<\/a><\/li><li><a href=\"#h-american-express-platinum-card\" data-level=\"3\">American Express Platinum Card<\/a><\/li><\/ul><\/li><li><a href=\"#h-rates-fees-and-a-side-by-side-snapshot\" data-level=\"2\">Rates, Fees and a Side-By-Side Snapshot<\/a><\/li><li><a href=\"#h-points-earn-caps-and-transfer-flexibility\" data-level=\"2\">Points Earn, Caps and Transfer Flexibility<\/a><\/li><li><a href=\"#h-networks-acceptance-surcharges-and-the-rba-backdrop\" data-level=\"2\">Networks, acceptance, surcharges and the RBA backdrop<\/a><\/li><li><a href=\"#h-foreign-transaction-fees-and-when-to-avoid-them\" data-level=\"2\">Foreign transaction fees and when to avoid them<\/a><\/li><li><a href=\"#h-worst-value-credit-cards-in-australia-yes-they-exist\" data-level=\"2\">Worst value Credit Cards in Australia, yes they exist<\/a><\/li><li><a href=\"#h-how-to-pick-a-card-like-a-point-chasing-fee-avoiding-pro\" data-level=\"2\">How to Pick a Card Like a Point-Chasing, Fee-Avoiding Pro<\/a><\/li><li><a href=\"#h-the-perks-checklist-you-ll-actually-use\" data-level=\"2\">The Perks Checklist You\u2019ll Actually Use<\/a><\/li><li><a href=\"#h-fees-and-small-print-to-watch-out-for\" data-level=\"2\">Fees and Small Print to Watch Out For\u2026<\/a><\/li><li><a href=\"#h-at-a-glance-earn-highlights-for-hungry-point-chasers\" data-level=\"2\">At-A-Glance Earn Highlights (For Hungry Point-Chasers)<\/a><\/li><\/ul><\/div><h2 class=\"wp-block-heading\" id=\"h-our-top-picks-by-customer-goal\">Our Top Picks by Customer Goal<\/h2><figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-fixed-layout\"><thead><tr><th>Goal<\/th><th>Card<\/th><th>Why it wins<\/th><th>Key perk(s)<\/th><\/tr><\/thead><tbody><tr><td><strong>Qantas points, premium perks<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/qantas-ultimate-card\/\" rel=\"noreferrer noopener\">Qantas American Express Ultimate<\/a><\/td><td>High everyday earn, $450 Qantas Travel Credit, Qantas and Centurion lounge access on eligible visits<\/td><td>$450 Qantas Travel Credit, up to 2.25 Qantas Points per $1 on Qantas spend; 1.25 on everyday spend. <\/td><\/tr><tr><td><strong>Best flexible points, mid-tier fee<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/explorer-credit-card\/\" rel=\"noreferrer noopener\">American Express Explorer<\/a> (Peasant AMEX card)<\/td><td>Strong earn into Amex Membership Rewards with a $400 annual Travel Credit that offsets most of the fee<\/td><td>2 MR points per $1, $400 Travel Credit, $395 fee.<\/td><\/tr><tr><td><strong>Qantas points with a big-bank Visa\/Mastercard and no FX fees<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.commbank.com.au\/credit-cards\/ultimate-credit-card-qantas.html\" rel=\"noreferrer noopener\">CommBank Ultimate Awards (Qantas opt-in)<\/a><\/td><td>Earn Qantas on a Mastercard, $0 international transaction fees, monthly fee can be waived with spend<\/td><td>$35 monthly fee waived at $4,000 spend, no international transaction fees, up to 1.2 Qantas Points per $1 to $10k per statement. <\/td><\/tr><tr><td><strong>Flexible points with no FX fees on a bank card<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.nab.com.au\/personal\/credit-cards\/nab-rewards-cards\/signature-card\" rel=\"noreferrer noopener\">NAB Rewards Signature<\/a><\/td><td>Rewards card that explicitly doesn\u2019t charge international transaction fees; premium insurances<\/td><td>$35 monthly fee, 20.99 percent p.a. purchase rate, no international transaction fee on this card. <\/td><\/tr><tr><td><strong>Velocity points, lounge passes and a travel voucher<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/virginmoney.com.au\/credit-card\/compare-our-credit-cards\/high-flyer-credit-card\" rel=\"noreferrer noopener\">Virgin Money Velocity High Flyer<\/a><\/td><td>Earn Velocity, get 2 Virgin Australia lounge passes and an annual Virgin credit<\/td><td>$329 annual fee, two VA lounge passes, $129 VA voucher, up to 1 Velocity Point per $1. <\/td><\/tr><tr><td><strong>Qantas earn with a traditional big-bank card<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.anz.com.au\/personal\/credit-cards\/frequent-flyer-black\/\" rel=\"noreferrer noopener\">ANZ Frequent Flyer Black<\/a><\/td><td>Qantas earn plus premium travel insurances; well-known flagship<\/td><td>Purchase rate 20.99 percent p.a.; annual fee listed as $425 on KFS. Earn structure set out in ANZ program T&amp;Cs. <\/td><\/tr><tr><td><strong>Low purchase interest (keep it simple)<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.westpac.com.au\/personal-banking\/credit-cards\/low-rate-cards\/\" rel=\"noreferrer noopener\">Westpac Low Rate<\/a><\/td><td>9.90 percent p.a. purchase rate on a mainstream card<\/td><td>Up to 45 days interest-free, low rate. <\/td><\/tr><tr><td><strong>Overseas and online spend with zero FX fees<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.latitudefinancial.com.au\/credit-cards\/28-degrees\/\" rel=\"noreferrer noopener\">Latitude 28\u00b0 Global Platinum Mastercard<\/a><\/td><td>No international transaction or currency conversion fees on purchases<\/td><td>Zero FX fee on purchases; travel-friendly set-up. <\/td><\/tr><tr><td><strong>All-out perks and lounges<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/the-platinum-card\/\" rel=\"noreferrer noopener\">American Express Platinum Card<\/a><\/td><td>Big-ticket benefits, global lounges, hotel status; fee offset by perks if you use them<\/td><td>$1,450 annual fee in Australia, $450 Travel Credit, extensive lounges. <\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\" id=\"h-what-you-actually-get-with-the-headline-cards\">What you Actually Get With the Headline Cards<\/h2><h3 class=\"wp-block-heading\" id=\"h-qantas-american-express-ultimate\"><strong><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/qantas-ultimate-card\/\" rel=\"noreferrer noopener\">Qantas American Express Ultimate<\/a><\/strong><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-1400x933.jpg\" alt=\"Qantas American Express Ultimate\" class=\"wp-image-534405\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Qantas-American-Express-Ultimate-1-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">Qantas American Express Ultimate. Image: Qantas<\/figcaption><\/figure><p>For Qantas loyalists who want speed, this is consistently one of the fastest earners on everyday spend. You get 1.25 Qantas Points per $1 on eligible purchases, boosted to 2.25 Qantas Points per $1 on eligible Qantas purchases, plus a $450 Qantas Travel Credit each year that offsets the $450 annual fee when used. Lounge perks are part of the bundle, and it runs on the Amex network which tends to deliver higher rewards than bank cards. <\/p><h3 class=\"wp-block-heading\" id=\"h-american-express-explorer\"><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/explorer-credit-card\/\" rel=\"noreferrer noopener\">American Express Explorer<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-1400x933.jpg\" alt=\"American Express Explorer\" class=\"wp-image-534444\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Explorer-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">American Express Explorer. Image: American Express<\/figcaption><\/figure><p>The sweet spot for flexible points in Australia. It earns 2 Membership Rewards points per $1 and includes a $400 Travel Credit against a $395 annual fee, so frequent domestic flyers can come out ahead by using the credit every year. Explorer\u2019s MR points convert to multiple airline partners, which is valuable if you like shopping for the best award seat rather than locking into one program. <\/p><h3 class=\"wp-block-heading\" id=\"h-commbank-ultimate-awards\"><a target=\"_blank\" href=\"https:\/\/www.commbank.com.au\/credit-cards\/ultimate-credit-card-qantas.html\" rel=\"noreferrer noopener\">CommBank Ultimate Awards<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-1400x933.jpg\" alt=\"CommBank Ultimate Awards. Image: Commonwealth Bank\" class=\"wp-image-534446\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/CommBank-Ultimate-Awards-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">CommBank Ultimate Awards. Image: Commonwealth Bank<\/figcaption><\/figure><p>If you want a Visa\/Mastercard for near-universal acceptance and no international transaction fees, this is a strong big-bank option. The $35 monthly fee is waived when you spend at least $4,000 in a statement period, it charges no international transaction fee on purchases, and you can opt to earn Qantas Points with an earn rate up to 1.2 Qantas Points per $1 to $10,000 per statement.<\/p><h3 class=\"wp-block-heading\" id=\"h-nab-rewards-signature\"><a target=\"_blank\" href=\"https:\/\/www.nab.com.au\/personal\/credit-cards\/nab-rewards-cards\/signature-card\" rel=\"noreferrer noopener\">NAB Rewards Signature<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-1400x933.jpg\" alt=\"NAB Rewards Signature. Image: NAB\" class=\"wp-image-534447\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/NAB-Rewards-Signature-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">NAB Rewards Signature. Image: NAB<\/figcaption><\/figure><p>Another bank card that\u2019s friendly for overseas and online shopping. NAB explicitly excludes this product from its international transaction fee, which pairs nicely with a premium benefits suite; the monthly fee is $35 and the purchase rate is 20.99 percent p.a. (focus on paying in full). You\u2019ll earn flexible NAB Rewards points with multiple redemption routes including airline transfers, with partner terms updated regularly. <\/p><h3 class=\"wp-block-heading\" id=\"h-virgin-money-velocity-high-flyer\"><a target=\"_blank\" href=\"https:\/\/virginmoney.com.au\/credit-card\/compare-our-credit-cards\/high-flyer-credit-card\" rel=\"noreferrer noopener\">Virgin Money Velocity High Flyer<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-1400x933.jpg\" alt=\"Virgin Money Velocity High Flyer. Image: Virgin \" class=\"wp-image-534448\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Virgin-Money-Velocity-High-Flyer-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">Virgin Money Velocity High Flyer. Image: Virgin <\/figcaption><\/figure><p>Velocity flyers get up to 1 Velocity Point per $1, two Virgin Australia lounge passes each year and an annual $129 Virgin Australia credit in exchange for a $329 annual fee. If you travel domestically with VA, those hard perks help the card pay for itself. <\/p><h3 class=\"wp-block-heading\" id=\"h-anz-frequent-flyer-black\"><a target=\"_blank\" href=\"https:\/\/www.anz.com.au\/personal\/credit-cards\/frequent-flyer-black\/\" rel=\"noreferrer noopener\">ANZ Frequent Flyer Black<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-1400x933.jpg\" alt=\"ANZ Frequent Flyer Black\" class=\"wp-image-534449\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/ANZ-Frequent-Flyer-Black-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">ANZ Frequent Flyer Black. Image: ANZ<\/figcaption><\/figure><p>A workhorse Qantas earner from a big four bank with premium insurances. ANZ\u2019s Key Facts Sheet puts the purchase rate at 20.99 percent p.a. and the annual fee at $425, while the Qantas earn structure lives in ANZ\u2019s Frequent Flyer program terms. Use for spend you\u2019ll pay off and book the included insurances when you travel. <\/p><h3 class=\"wp-block-heading\" id=\"h-westpac-low-rate\"><a target=\"_blank\" href=\"https:\/\/www.westpac.com.au\/personal-banking\/credit-cards\/low-rate-cards\/\" rel=\"noreferrer noopener\">Westpac Low Rate<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-1400x933.jpg\" alt=\"Westpac Low Rate\" class=\"wp-image-534450\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Westpac-Low-Rate-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">Westpac Low Rate. Image: Westpac<\/figcaption><\/figure><p>If you prioritise a lower purchase rate over points, Westpac\u2019s Low Rate card sits at 9.90 percent p.a., well under typical rewards-card pricing. It\u2019s a more forgiving back-stop if a balance ever sneaks through, though the real win is still paying in full. <\/p><h3 class=\"wp-block-heading\" id=\"h-latitude-28-global-platinum-mastercard\"><a target=\"_blank\" href=\"https:\/\/www.latitudefinancial.com.au\/credit-cards\/28-degrees\/\" rel=\"noreferrer noopener\">Latitude 28\u00b0 Global Platinum Mastercard<\/a><\/h3><figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/Latitude-28%C2%B0-Global-Platinum-Mastercard-1400x933.jpg\" alt=\"Latitude 28\u00b0 Global Platinum Mastercard. Image: Latitude\" class=\"wp-image-534451\"><figcaption class=\"wp-element-caption\">Latitude 28\u00b0 Global Platinum Mastercard. Image: Latitude<\/figcaption><\/figure><p>For overseas trips, foreign websites and marketplaces, 28\u00b0 is popular because it charges no international transaction or currency conversion fees on purchases. If you usually use a rewards card day-to-day, keep a 28\u00b0 in your wallet specifically for foreign currency transactions. <\/p><h3 class=\"wp-block-heading\" id=\"h-american-express-platinum-card\"><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/the-platinum-card\/\" rel=\"noreferrer noopener\">American Express Platinum Card<\/a><\/h3><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-1400x933.jpg\" alt=\"American Express Platinum Card\" class=\"wp-image-534452\" srcset=\"https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-1400x933.jpg 1400w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-960x640.jpg 960w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-640x427.jpg 640w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-768x512.jpg 768w, https:\/\/dmarge.com\/wp-content\/uploads\/2025\/08\/American-Express-Platinum-Card-480x320.jpg 480w\" sizes=\"auto, (max-width: 480px) 400px, (max-width: 640px) 600px, (max-width: 768px) 700px, (max-width: 1024px) 800px, (min-width: 1025px) 1000px, 2048px\" \/><figcaption class=\"wp-element-caption\">American Express Platinum Card. Image: American Express<\/figcaption><\/figure><p>The premium charge card angle: an outsized suite of travel benefits and access to a wide lounge network in exchange for a high annual fee. <\/p><p>In Australia the fee is $1,450 and it includes a $450 Travel Credit. It\u2019s best suited to frequent travellers who can exploit the lounge access, hotel status and statement credits each year. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-350375358\" class=\"ad-container\"><script type=\"text\/javascript\">var load_1044948731 = function () {googletag.cmd.push(function () {var slot_1044948731 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-350375358\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_1044948731.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-350375358\");});};adsQueue.push(load_1044948731);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <h2 class=\"wp-block-heading\" id=\"h-rates-fees-and-a-side-by-side-snapshot\">Rates, Fees and a Side-By-Side Snapshot<\/h2><figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-fixed-layout\"><thead><tr><th>Card<\/th><th>Network<\/th><th>Purchase rate p.a.<\/th><th>Annual or monthly fee<\/th><th>FX fee on purchases<\/th><th>Interest-free days<\/th><\/tr><\/thead><tbody><tr><td><strong>Qantas Amex Ultimate<\/strong><\/td><td>American Express<\/td><td>23.99%<\/td><td>$450 p.a.<\/td><td>Applies<\/td><td>Up to 44 days <\/td><\/tr><tr><td><strong>Amex Explorer<\/strong><\/td><td>American Express<\/td><td>23.99%<\/td><td>$395 p.a.<\/td><td>Applies<\/td><td>Up to 55 days (typical for Amex credit) <\/td><\/tr><tr><td><strong>CommBank Ultimate Awards (Qantas opt-in)<\/strong><\/td><td>Mastercard<\/td><td>20.99%<\/td><td>$35 per month, waived at $4,000 spend<\/td><td>$0<\/td><td>Up to 44 days <\/td><\/tr><tr><td><strong>NAB Rewards Signature<\/strong><\/td><td>Visa<\/td><td>20.99%<\/td><td>$35 per month<\/td><td>$0<\/td><td>Up to 44\u201355 days (per product TMD) <\/td><\/tr><tr><td><strong>ANZ Frequent Flyer Black<\/strong><\/td><td>Visa<\/td><td>20.99%<\/td><td>$425 p.a.<\/td><td>Applies<\/td><td>Up to 55 days <\/td><\/tr><tr><td><strong>Westpac Low Rate<\/strong><\/td><td>Mastercard<\/td><td>9.90%<\/td><td>$59 p.a.<\/td><td>Applies<\/td><td>Up to 45 days<\/td><\/tr><tr><td><strong>Latitude 28\u00b0 Global Platinum<\/strong><\/td><td>Mastercard<\/td><td>27.99%<\/td><td>$96 p.a. equivalent, or set monthly fee per issuer<\/td><td>$0<\/td><td>Up to 55 days <\/td><\/tr><tr><td><strong>Amex Platinum Card<\/strong><\/td><td>American Express<\/td><td>N\/A charge card<\/td><td>$1,450 p.a.<\/td><td>Applies<\/td><td>No preset spend limit; pay in full monthly<\/td><\/tr><\/tbody><\/table><\/figure><p>Notes: \u201cApplies\u201d means the card charges an international transaction fee on non-AUD or overseas-processed purchases. Where issuers quote monthly fees, I\u2019ve listed the monthly cost and any spend-to-waive rules. Always check the card\u2019s Key Facts Sheet or Fees &amp; Charges page for the latest numbers.<\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-151644673\" class=\"ad-container\"><script type=\"text\/javascript\">var load_1502375766 = function () {googletag.cmd.push(function () {var slot_1502375766 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-151644673\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_1502375766.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-151644673\");});};adsQueue.push(load_1502375766);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <h2 class=\"wp-block-heading\" id=\"h-points-earn-caps-and-transfer-flexibility\">Points Earn, Caps and Transfer Flexibility<\/h2><p>The fastest everyday earn on a Qantas card in Australia generally comes from the Qantas American Express Ultimate at 1.25 Qantas Points per $1 on eligible spend, bumping to 2.25 when you buy Qantas flights and services. <\/p><p>Some cards apply annual or statement-period caps or change earn rates after you hit a threshold; for example, Ultimate reduces the everyday earn after a large annual haul. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-829837233\" class=\"ad-container\"><script type=\"text\/javascript\">var load_122209705 = function () {googletag.cmd.push(function () {var slot_122209705 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-829837233\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_122209705.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-829837233\");});};adsQueue.push(load_122209705);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <p>Check the earn tables on each product page and the program terms for caps and what doesn\u2019t earn. <\/p><p>If you prefer airline flexibility, Amex Explorer\u2019s 2 MR points per $1 feed into Membership Rewards with multiple airline partners, which can be richer than being locked to one frequent flyer program. That optionality is useful when Qantas Classic Rewards seats are scarce on your dates. <\/p><p>On the bank side, CommBank Ultimate can earn up to 1.2 Qantas Points per $1 to $10,000 per statement when you opt in to Qantas, and doesn\u2019t charge international transaction fees, which makes it a practical all-rounder if you want a Mastercard that still feeds Qantas. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-2075356261\" class=\"ad-container\"><script type=\"text\/javascript\">var load_381898193 = function () {googletag.cmd.push(function () {var slot_381898193 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-2075356261\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_381898193.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-2075356261\");});};adsQueue.push(load_381898193);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <p>Velocity collectors who fly Virgin Australia get real-world value from lounge passes and the annual Virgin voucher that come with the Virgin Money High Flyer. The earn is up to 1 Velocity Point per $1 and the hard perks are easy to use. <\/p><h2 class=\"wp-block-heading\" id=\"h-networks-acceptance-surcharges-and-the-rba-backdrop\">Networks, acceptance, surcharges and the RBA backdrop<\/h2><p>Visa and Mastercard enjoy near-universal acceptance in Australia and overseas. American Express acceptance is strong in cities and with large retailers, but some smaller merchants add a surcharge or don\u2019t take it. The Reserve Bank\u2019s current payments review and industry submissions show average merchant service costs are lowest for debit and higher for credit, with Amex typically the most expensive for merchants, which is why surcharges are more common on Amex. Any reform the RBA adopts could influence rewards economics over time. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-1720181949\" class=\"ad-container\"><script type=\"text\/javascript\">var load_845459398 = function () {googletag.cmd.push(function () {var slot_845459398 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-1720181949\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_845459398.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-1720181949\");});};adsQueue.push(load_845459398);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <h2 class=\"wp-block-heading\" id=\"h-foreign-transaction-fees-and-when-to-avoid-them\">Foreign transaction fees and when to avoid them<\/h2><p>Foreign transaction fees are charged when you buy in a non-AUD currency or the transaction is processed overseas, even if the website looks Australian. If you spend internationally, pick a card with $0 international transaction fees like CommBank Ultimate Awards, NAB Rewards Signature or Latitude 28\u00b0. That one tweak can save roughly 2 to 3 percent on every foreign purchase. Always choose to pay in the local currency to dodge costly DCC at the terminal. <\/p><h2 class=\"wp-block-heading\" id=\"h-worst-value-credit-cards-in-australia-yes-they-exist\">Worst value Credit Cards in Australia, yes they exist<\/h2><figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-fixed-layout\"><thead><tr><th>Card Name<\/th><th>Annual Fee<\/th><th>Purchase Interest Rate<\/th><th>Key Issues<\/th><\/tr><\/thead><tbody><tr><td><strong>Latitude GO Mastercard<\/strong><\/td><td>$0 (but costly balance transfer fee)<\/td><td><strong>27.99% p.a.<\/strong> (29.99% after promo)<\/td><td>Extremely high ongoing interest, minimal perks, balance transfer reverts to very steep rate.<\/td><\/tr><tr><td><strong>NAB Rewards Platinum \u2013 Velocity<\/strong><\/td><td>$95 first year, then <strong>$195<\/strong><\/td><td>20.99% p.a.<\/td><td>Annual fee almost doubles after year one, rewards don\u2019t justify cost for average spenders.<\/td><\/tr><tr><td><strong>HSBC Premier World Mastercard<\/strong><\/td><td>Increased from $0 to <strong>$399<\/strong><\/td><td>~20% p.a.<\/td><td>Surprise fee hike, little benefit added, poor value compared to competitors<\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\" id=\"h-how-to-pick-a-card-like-a-point-chasing-fee-avoiding-pro\">How to Pick a Card Like a Point-Chasing, Fee-Avoiding Pro<\/h2><p>Start with your flight pattern. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-2019655855\" class=\"ad-container\"><script type=\"text\/javascript\">var load_301476852 = function () {googletag.cmd.push(function () {var slot_301476852 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-2019655855\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_301476852.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-2019655855\");});};adsQueue.push(load_301476852);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <p>If you live on Qantas domestically and chase Classic Rewards, Qantas Amex Ultimate or ANZ Frequent Flyer Black are easy to justify, with the Amex winning on sheer earn rate and perks if the merchants you use accept it. <\/p><p>If you split between airlines or want to shop for award seats, Amex Explorer\u2019s flexible points are king.<\/p><p>Then layer in your overseas and online spend. If you regularly buy in USD, EUR or JPY, a no-FX card like Latitude 28\u00b0 or a bank card with $0 FX fees will pay for itself. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-636462343\" class=\"ad-container\"><script type=\"text\/javascript\">var load_551908998 = function () {googletag.cmd.push(function () {var slot_551908998 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-636462343\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_551908998.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-636462343\");});};adsQueue.push(load_551908998);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <p>If you like a single wallet card, CommBank Ultimate Awards or NAB Rewards Signature keep FX fees at zero without giving up rewards. <\/p><p>Finally, be honest about fees and interest. Westpac\u2019s Low Rate card sits at 9.90 percent p.a., which is dramatically kinder than most rewards cards if you ever carry a balance. <\/p><p>For everyone else, the golden rule is to clear the statement in full. The ASIC MoneySmart guidance is blunt for a reason. <\/p>                <div class=\"row row-center collapse\">\n                    <div class=\"column\">\n                        <div class=\"dmg-ad\"><div id=\"incontent-1003593116\" class=\"ad-container\"><script type=\"text\/javascript\">var load_811690458 = function () {googletag.cmd.push(function () {var slot_811690458 = googletag.defineSlot(\"\/1017963\/DMarge\/incontent\",[[250,250],[300,100],[300,250],[320,100],[336,280]],\"incontent-1003593116\").addService(googletag.pubads()).setTargeting('refresh', 'true');if (gamData && gamData.sizeMap && gamData.sizeMap.hasOwnProperty('incontent')) {slot_811690458.defineSizeMapping(gamData.sizeMap['incontent']);}googletag.display(\"incontent-1003593116\");});};adsQueue.push(load_811690458);<\/script><\/div><\/div>                    <\/div>\n                <\/div>\n                <h2 class=\"wp-block-heading\" id=\"h-the-perks-checklist-you-ll-actually-use\">The Perks Checklist You\u2019ll Actually Use<\/h2><ul class=\"wp-block-list\"><li>Travel credits are only valuable if you use them every year.<\/li><li>The Qantas Amex Ultimate\u2019s $450 credit is designed to offset the entire annual fee, while Explorer\u2019s $400 credit nearly wipes its $395 fee.<\/li><li>Lounge passes convert to real savings if you fly two to four times annually. Insurances require activation and eligibility steps, so set a pre-trip checklist.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-fees-and-small-print-to-watch-out-for\">Fees and Small Print to Watch Out For\u2026<\/h2><p><strong>Key Facts Sheets are the truth serum. <\/strong><\/p><p>They list purchase and cash advance rates, annual or monthly fees and late fees in a standardised format. Westpac, ANZ and CommBank publish theirs openly, and it\u2019s worth grabbing the PDF before you apply so you know exactly what applies to you.<\/p><h2 class=\"wp-block-heading\" id=\"h-at-a-glance-earn-highlights-for-hungry-point-chasers\">At-A-Glance Earn Highlights (For Hungry Point-Chasers)<\/h2><figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-fixed-layout\"><thead><tr><th>Program<\/th><th>Strong options<\/th><th>Earn notes<\/th><\/tr><\/thead><tbody><tr><td>Qantas Frequent Flyer<\/td><td><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/qantas-ultimate-card\/\" rel=\"noreferrer noopener\">Qantas Amex Ultimate<\/a>; <a target=\"_blank\" href=\"https:\/\/www.anz.com.au\/personal\/credit-cards\/frequent-flyer-black\/\" rel=\"noreferrer noopener\">ANZ FF Black<\/a>; <a target=\"_blank\" href=\"https:\/\/www.commbank.com.au\/credit-cards\/ultimate-credit-card-qantas.html\" rel=\"noreferrer noopener\">CommBank Ultimate Awards with Qantas opt-in<\/a><\/td><td>Up to 2.25 Qantas Points per $1 on Qantas purchases with Ultimate; up to 1.2 Qantas Points per $1 on CommBank to $10k per statement.<\/td><\/tr><tr><td>Velocity Frequent Flyer<\/td><td><a target=\"_blank\" href=\"https:\/\/virginmoney.com.au\/credit-card\/compare-our-credit-cards\/high-flyer-credit-card\" rel=\"noreferrer noopener\">Virgin Money Velocity High Flyer<\/a><\/td><td>Up to 1 Velocity Point per $1, with lounge passes and an annual voucher that\u2019s easy to redeem. <\/td><\/tr><tr><td>Flexible MR points<\/td><td><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-au\/credit-cards\/explorer-credit-card\/\" rel=\"noreferrer noopener\">Amex Explorer<\/a><\/td><td>2 MR points per $1 with a $400 Travel Credit that offsets the fee. <\/td><\/tr><\/tbody><\/table><\/figure><p>If you want outright points and perks, pair <strong>Qantas Amex Ultimate<\/strong> or <strong>Amex Explorer<\/strong> with a <strong>$0 FX card<\/strong> like <strong>Latitude 28\u00b0<\/strong> for anything priced in foreign currency. <\/p><p>Prefer to keep it on one plastic and still travel? <strong>CommBank Ultimate Awards<\/strong> or <strong>NAB Rewards Signature<\/strong> give you rewards plus $0 FX on a big-bank network. If you value a low rate above all else, <strong>Westpac Low Rate<\/strong> keeps costs down while you get organised. <\/p><p>And if you fly constantly and will use the benefits, <strong>Amex Platinum<\/strong> is the premium play that returns value through lounges, credits and status<\/p><p><em>DMARGE makes no commissions from any of the cards mentioned in this feature.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>We explore Australia\u2019s credit card scene for 2025, comparing rewards programs, frequent flyer points, cashback, annual fees and interest rates to reveal the top-value cards available.<\/p>\n","protected":false},"author":7,"featured_media":534407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[237],"tags":[],"coauthors":[146525],"class_list":{"0":"post-534394","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"acf":[],"_links":{"self":[{"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/posts\/534394","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/comments?post=534394"}],"version-history":[{"count":13,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/posts\/534394\/revisions"}],"predecessor-version":[{"id":534456,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/posts\/534394\/revisions\/534456"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/media\/534407"}],"wp:attachment":[{"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/media?parent=534394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/categories?post=534394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/tags?post=534394"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/dmarge.com\/wp-json\/wp\/v2\/coauthors?post=534394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}