Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

"Outstanding Value"

American Express Essen al Credit Card

American Express Low Rate Credit Card

Bank Australia Visa Credit Card

Bank First Visa Classic Credit Card

BankVic Visa Silver

Bankwest Zero Pla num Mastercard

Heritage Bank Gold Low Rate

Horizon Credit Union Visa Credit Card

Hume Bank Value

ING Orange One

ME frank credit card

Northern Inland CU Low Rate Visa Credit Card

QBANK Bluey Card

Qudos Bank Lifestyle

Teachers Mutual Bank Credit Card

UniBank Visa Credit Card

Credit Cards Star Ratings 2018 - Page 1Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

American Express Qantas Discovery Card

American Express Velocity Escape Card

Bankwest Zero Mastercard

Bendigo Bank Low Rate First Mastercard (for<25)

Ci Simplicity Card

Coles No Annual Fee Mastercard

Commonwealth Bank Low Fee Mastercard

Endeavour Mutual Bank Visa Credit Card

First Op on Credit Union Low Rate Visa Credit Card

Greater Bank Visa Credit Card

Holiday Coast CU Light Visa Credit Card

HSBC Pla num Credit Card

Hume Bank Clear

La tude Financial Services 28 Degrees Pla num Mastercard

Macquarie Credit Union Visa Credit Card

Police Bank Visa Credit Card

Qudos Bank Lifestyle Plus

SCU Low Rate Visa Credit Card

St.George Bank No Annual Fee Visa

Virgin Money No Annual Fee Credit Card

Westpac 55 Day Classic

Woolworths Employees CU Low Rate Credit Card

Woolworths Employees CU Visa Credit Card

Credit Cards Star Ratings 2018 - Page 2Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

ANZ First

ANZ Frequent Flyer

ANZ Low Rate

ANZ Pla num

ANZ Rewards

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Australian Military Bank Low Rate Visa Card

Australian Unity Low Rate Visa

Auswide Bank Low Rate Visa

Bank Australia Pla num Rewards Visa Credit Card

Bank First Visa Pla num Credit Card

Bank of us Visa Credit Card

BankVic Visa Gold

Bankwest Breeze Mastercard

Bankwest Breeze Pla num Mastercard

bcu Classic Credit Card

bcu Rewards Credit Card

Bendigo Bank Low Rate Mastercard

Bendigo Bank Low Rate Pla num Mastercard

Bendigo Bank Pla num Rewards Mastercard

Bendigo Bank Qantas Pla num Mastercard

Bendigo Bank RSPCA Rescue Mastercard

Beyond Bank Low Rate Visa Credit Card

BOQ Blue Rewards Credit Card

BOQ Low Rate Credit Card

Ci Clear Pla num Credit Card

Coles Low Rate Mastercard

Coles Rewards Mastercard

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

Commonwealth Bank Low Rate Mastercard

Credit Cards Star Ratings 2018 - Page 3Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Rewards Op on

Community First CU Low Rate Black Visa

Community First CU McGrath Pink Visa

CUA Low Rate Credit Card

CUA Pla num Credit Card

Easy Street Fin Services Easy Low Rate Visa

FCCS Credit Union Amigo Credit Card

First Op on Credit Union Cash Rewards Visa Credit Card

G&C Mutual Bank Low Rate Visa Credit Card

HSBC Classic Credit Card

HSBC Low Rate Credit Card

HSBC Pla num Qantas Credit Card

IMB Low Rate Mastercard

Jetstar Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

La tude Financial Services Mastercard

Macquarie Bank RateSaver Card

Myer Credit Card

Myer Pla num Credit Card

NAB Low Fee Card

NAB Low Fee Pla num card

NAB Low Rate Card

NAB Low Rate Pla num Card

NAB Qantas Rewards Card

NAB Rewards Classic Card

Newcastle Permanent Value+ Credit Card

Nexus Mutual Low Rate Pla num Credit Card

Nexus Mutual Visa Pla num Credit Card

Northern Inland CU Visa Classic Credit Card

P&N Bank Classic Visa

P&N Bank Visa Pla num

Credit Cards Star Ratings 2018 - Page 4Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

People's Choice Credit Union Visa Credit Card

QANTAS Qantas Premier Everyday

RACQ Bank Low Rate Mastercard

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Rainbow Ver go Pla num

St.George Bank Rainbow Ver go Visa

St.George Bank Ver go Pla num

St.George Bank Ver go Visa

Summerland Credit Union Low Rate Card

Summerland Credit Union Rewards Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Low Rate Card

Westpac 55 Day Pla num

Westpac Low Rate Visa Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 5Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

American Express Pla num Edge Credit Card

American Express Qantas Premium Card

ANZ Frequent Flyer Pla num

Auswide Bank Pla num Rewards Mastercard

Bank Australia Low Rate Visa Credit Card

Bankwest More Mastercard

Bankwest More Pla num Mastercard

Bankwest Qantas Classic Mastercard

Bankwest Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Ci Classic Credit Card

Ci Pla num Credit Card

Heritage Bank Classic

Heritage Bank Pla num

Hunter United Visa Credit Card

Hunter United Visa Credit Card - Home Loan Bwrs

IMB Pla num Mastercard

La tude Financial Services Gem Visa

La tude Financial Services GO Mastercard

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Macquarie Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Rewards Pla num Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Pla num - Rewards Op on

Suncorp Bank Clear Op ons Standard Card

Virgin Money Velocity Flyer Card

Westpac Al tude Pla num - Rewards Op on

Westpac Lite Card

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 6Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Fee

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

G&C Mutual Bank Pla num Visa Credit Card

ING Orange One Pla num

Suncorp Bank Clear Op ons Gold Card

Not Rated

Commonwealth Bank Essen als

Credit Cards Star Ratings 2018 - Page 7Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

"Outstanding Value"

American Express Low Rate Credit Card

Australian Unity Low Rate Visa

Auswide Bank Low Rate Visa

Bank Australia Low Rate Visa Credit Card

Bank First Visa Pla num Credit Card

Bank of us Visa Credit Card

Community First CU Low Rate Black Visa

Community First CU McGrath Pink Visa

Easy Street Fin Services Easy Low Rate Visa

Endeavour Mutual Bank Visa Credit Card

G&C Mutual Bank Low Rate Visa Credit Card

Nexus Mutual Low Rate Pla num Credit Card

Northern Inland CU Low Rate Visa Credit Card

Police Bank Visa Credit Card

SCU Low Rate Visa Credit Card

Teachers Mutual Bank Credit Card

UniBank Visa Credit Card

Woolworths Employees CU Low Rate Credit Card

Credit Cards Star Ratings 2018 - Page 8Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

ANZ Low Rate

Australian Military Bank Low Rate Visa Card

Bank Australia Visa Credit Card

Bank First Visa Classic Credit Card

BankVic Visa Silver

Bendigo Bank Low Rate First Mastercard (for<25)

Bendigo Bank Low Rate Mastercard

Commonwealth Bank Low Rate Mastercard

CUA Low Rate Credit Card

First Op on Credit Union Low Rate Visa Credit Card

Greater Bank Visa Credit Card

Heritage Bank Gold Low Rate

Holiday Coast CU Light Visa Credit Card

Horizon Credit Union Visa Credit Card

Hume Bank Value

ME frank credit card

Newcastle Permanent Value+ Credit Card

P&N Bank Classic Visa

QBANK Bluey Card

Summerland Credit Union Low Rate Card

Woolworths Employees CU Visa Credit Card

Credit Cards Star Ratings 2018 - Page 9Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

American Express Essen al Credit Card

ANZ First

ANZ Frequent Flyer

ANZ Pla num

ANZ Rewards

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Bank Australia Pla num Rewards Visa Credit Card

BankVic Visa Gold

Bankwest Breeze Mastercard

Bankwest Breeze Pla num Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Zero Mastercard

Bankwest Zero Pla num Mastercard

bcu Classic Credit Card

bcu Rewards Credit Card

Bendigo Bank Low Rate Pla num Mastercard

Bendigo Bank Pla num Rewards Mastercard

Bendigo Bank Qantas Pla num Mastercard

Bendigo Bank RSPCA Rescue Mastercard

Beyond Bank Low Rate Visa Credit Card

BOQ Low Rate Credit Card

Ci Clear Pla num Credit Card

Ci Simplicity Card

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Coles Rewards Mastercard

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Fee Mastercard

Commonwealth Bank Low Rate Gold Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

CUA Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 10Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

FCCS Credit Union Amigo Credit Card

First Op on Credit Union Cash Rewards Visa Credit Card

Heritage Bank Pla num

HSBC Low Rate Credit Card

HSBC Pla num Credit Card

HSBC Pla num Qantas Credit Card

Hume Bank Clear

Hunter United Visa Credit Card

Hunter United Visa Credit Card - Home Loan Bwrs

IMB Low Rate Mastercard

ING Orange One

Jetstar Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

La tude Financial Services 28 Degrees Pla num Mastercard

Macquarie Bank RateSaver Card

Macquarie Credit Union Visa Credit Card

Myer Credit Card

Myer Pla num Credit Card

NAB Low Fee Card

NAB Low Fee Pla num card

NAB Low Rate Card

NAB Low Rate Pla num Card

NAB Qantas Rewards Card

NAB Rewards Classic Card

Nexus Mutual Visa Pla num Credit Card

Northern Inland CU Visa Classic Credit Card

P&N Bank Visa Pla num

People's Choice Credit Union Visa Credit Card

QANTAS Qantas Premier Everyday

Qudos Bank Lifestyle

Qudos Bank Lifestyle Plus

RACQ Bank Low Rate Mastercard

Credit Cards Star Ratings 2018 - Page 11Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank No Annual Fee Visa

St.George Bank Rainbow Ver go Pla num

St.George Bank Rainbow Ver go Visa

St.George Bank Ver go Pla num

St.George Bank Ver go Visa

Summerland Credit Union Rewards Card

Suncorp Bank Clear Op ons Standard Card

Virgin Money Low Rate Card

Virgin Money No Annual Fee Credit Card

Westpac 55 Day Classic

Westpac 55 Day Pla num

Westpac Low Rate Visa Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 12Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

American Express David Jones Card - Rewards Op on

American Express Pla num Edge Credit Card

American Express Qantas Discovery Card

American Express Qantas Premium Card

American Express Velocity Escape Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More Mastercard

Bankwest More Pla num Mastercard

Bankwest Qantas Classic Mastercard

BOQ Blue Rewards Credit Card

BOQ Pla num Rewards Credit Card

Ci Classic Credit Card

Ci Pla num Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

G&C Mutual Bank Pla num Visa Credit Card

Heritage Bank Classic

HSBC Classic Credit Card

IMB Pla num Mastercard

ING Orange One Pla num

La tude Financial Services GO Mastercard

La tude Financial Services Mastercard

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Macquarie Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Rewards Pla num Card

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Pla num - Rewards Op on

Suncorp Bank Clear Op ons Gold Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Westpac Al tude Pla num - Rewards Op on

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 13Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Low Rate

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Pla num

La tude Financial Services Gem Visa

NAB Qantas Rewards Premium Card

QANTAS Qantas Premier Pla num

Credit Cards Star Ratings 2018 - Page 14Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $24,000 Annual Spend

"Outstanding Value"

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Bendigo Bank Pla num Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

RACQ Bank Pla num Rewards Mastercard

American Express Pla num Edge Credit Card

ANZ Rewards Black

Auswide Bank Pla num Rewards Mastercard

Bankwest More Pla num Mastercard

BOQ Pla num Rewards Credit Card

Coles Rewards Mastercard

IMB Pla num Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

Nexus Mutual Visa Pla num Credit Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Credit Cards Star Ratings 2018 - Page 15Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $24,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

ANZ Pla num

Bank Australia Pla num Rewards Visa Credit Card

BankVic Visa Gold

Bankwest Breeze Pla num Mastercard

Bankwest More World Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Zero Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Clear Pla num Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Simplicity Card

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

CUA Pla num Credit Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

Heritage Bank Pla num

HSBC Pla num Qantas Credit Card

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Qantas Rewards Premium Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Low Rate Pla num Credit Card

P&N Bank Visa Pla num

QANTAS Qantas Premier Everyday

Credit Cards Star Ratings 2018 - Page 16Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $24,000 Annual Spend

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

St.George Bank Rainbow Ver go Pla num

St.George Bank Ver go Pla num

Westpac 55 Day Pla num

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Woolworths Qantas Pla num Credit Card

American Express Qantas Premium Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank First Visa Pla num Credit Card

Bankwest Qantas World Mastercard

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

G&C Mutual Bank Pla num Visa Credit Card

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

American Express Qantas Ul mate Card

Ci Emirates World Mastercard

Ci Signature Qantas Credit Card

Qudos Bank Visa Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 17Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $60,000 Annual Spend

"Outstanding Value"

ANZ Rewards Pla num

Bendigo Bank Pla num Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

RACQ Bank Pla num Rewards Mastercard

American Express Pla num Edge Credit Card

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More Pla num Mastercard

BOQ Pla num Rewards Credit Card

Coles Rewards Mastercard

IMB Pla num Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

Nexus Mutual Visa Pla num Credit Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Credit Cards Star Ratings 2018 - Page 18Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $60,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

ANZ Frequent Flyer Black

ANZ Pla num

Bank Australia Pla num Rewards Visa Credit Card

BankVic Visa Gold

Bankwest Breeze Pla num Mastercard

Bankwest More World Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Zero Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Simplicity Card

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

CUA Pla num Credit Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

HSBC Pla num Qantas Credit Card

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Qantas Rewards Premium Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Low Rate Pla num Credit Card

P&N Bank Visa Pla num

QANTAS Qantas Premier Everyday

Credit Cards Star Ratings 2018 - Page 19Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $60,000 Annual Spend

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

St.George Bank Rainbow Ver go Pla num

St.George Bank Ver go Pla num

Westpac 55 Day Pla num

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Woolworths Qantas Pla num Credit Card

American Express Qantas Premium Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Pla num

Bank First Visa Pla num Credit Card

Bankwest Qantas World Mastercard

Ci Clear Pla num Credit Card

Ci Signature Qantas Credit Card

Diners Club Australia Frequent Flyer Dual Card

G&C Mutual Bank Pla num Visa Credit Card

Heritage Bank Pla num

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Virgin Money Velocity High Flyer Card

American Express Qantas Ul mate Card

Ci Emirates World Mastercard

Qudos Bank Visa Pla num Credit Card

Virgin Money Velocity Flyer Card

Credit Cards Star Ratings 2018 - Page 20Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $120,000 Annual Spend

"Outstanding Value"

ANZ Rewards Pla num

Bendigo Bank Pla num Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

Macquarie Bank Black Card - Macquarie Rewards

RACQ Bank Pla num Rewards Mastercard

American Express Pla num Edge Credit Card

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More Pla num Mastercard

BOQ Pla num Rewards Credit Card

Coles Rewards Mastercard

Diners Club Australia Personal Card

IMB Pla num Mastercard

Macquarie Bank Pla num Card - Macquarie Rewards

Nexus Mutual Visa Pla num Credit Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Credit Cards Star Ratings 2018 - Page 21Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $120,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

ANZ Pla num

Bank Australia Pla num Rewards Visa Credit Card

BankVic Visa Gold

Bankwest Breeze Pla num Mastercard

Bankwest More World Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Zero Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Clear Pla num Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Simplicity Card

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

CUA Pla num Credit Card

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Dual Card

HSBC Pla num Qantas Credit Card

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Low Rate Pla num Credit Card

P&N Bank Visa Pla num

QANTAS Qantas Premier Everyday

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 22Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Premium Cards $120,000 Annual Spend

St.George Bank Amplify Signature - Rewards Op on

St.George Bank Rainbow Ver go Pla num

St.George Bank Ver go Pla num

Westpac 55 Day Pla num

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Woolworths Qantas Pla num Credit Card

American Express Qantas Premium Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank First Visa Pla num Credit Card

Bankwest Qantas World Mastercard

Ci Signature Qantas Credit Card

G&C Mutual Bank Pla num Visa Credit Card

Heritage Bank Pla num

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Virgin Money Velocity High Flyer Card

American Express Qantas Ul mate Card

Ci Emirates World Mastercard

Qudos Bank Visa Pla num Credit Card

Virgin Money Velocity Flyer Card

Credit Cards Star Ratings 2018 - Page 23Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $12,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

Coles No Annual Fee Mastercard

Coles Rewards Mastercard

Jetstar Mastercard - Rewards Op on

La tude Financial Services La tude Infinity Rewards

Myer Credit Card

Myer Pla num Credit Card

Summerland Credit Union Rewards Card

Woolworths Everyday Pla num Credit Card

First Op on Credit Union Cash Rewards Visa Credit Card

Credit Cards Star Ratings 2018 - Page 24Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $12,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

ANZ Rewards

ANZ Rewards Black

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

BankVic Visa Gold

Bankwest More Mastercard

Bankwest More Pla num Mastercard

Bankwest More World Mastercard

bcu Rewards Credit Card

Bendigo Bank Pla num Rewards Mastercard

BOQ Blue Rewards Credit Card

BOQ Pla num Rewards Credit Card

Ci Classic Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Coles Low Rate Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Rewards Op on

CUA Pla num Credit Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

Hume Bank Clear

IMB Pla num Mastercard

ING Orange One Pla num

La tude Financial Services GO Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Credit Cards Star Ratings 2018 - Page 25Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $12,000 Annual Spend

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Gold Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 26Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $24,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

Jetstar Pla num Mastercard - Rewards Op on

La tude Financial Services La tude Infinity Rewards

Summerland Credit Union Rewards Card

American Express Pla num Edge Credit Card

ANZ Rewards Pla num

Coles Rewards Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

HSBC Pla num Credit Card

Jetstar Mastercard - Rewards Op on

Myer Credit Card

Myer Pla num Credit Card

Woolworths Everyday Pla num Credit Card

American Express David Jones Pla num Card - Rewards Op on

BankVic Visa Gold

bcu Rewards Credit Card

Coles No Annual Fee Mastercard

First Op on Credit Union Cash Rewards Visa Credit Card

Hume Bank Clear

ING Orange One Pla num

La tude Financial Services GO Mastercard

Macquarie Bank Hilton Honors Pla num Card

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 27Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $24,000 Annual Spend

American Express Explorer Credit Card

ANZ Rewards

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More Mastercard

Bankwest More Pla num Mastercard

Bankwest More World Mastercard

Bendigo Bank Pla num Rewards Mastercard

BOQ Blue Rewards Credit Card

BOQ Pla num Rewards Credit Card

Ci Classic Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Coles Low Rate Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

CUA Pla num Credit Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

IMB Pla num Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Gold Card

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Credit Cards Star Ratings 2018 - Page 28Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $24,000 Annual Spend

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 29Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $36,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

Jetstar Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

La tude Financial Services La tude Infinity Rewards

Summerland Credit Union Rewards Card

American Express Essen al Credit Card

American Express Pla num Edge Credit Card

Coles Rewards Mastercard

HSBC Pla num Credit Card

ING Orange One Pla num

Myer Credit Card

Myer Pla num Credit Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 30Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $36,000 Annual Spend

American Express Explorer Credit Card

ANZ Rewards

ANZ Rewards Pla num

BankVic Visa Gold

Bankwest More Pla num Mastercard

bcu Rewards Credit Card

Bendigo Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Rewards Op on

First Op on Credit Union Cash Rewards Visa Credit Card

Hume Bank Clear

La tude Financial Services GO Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Hilton Honors Pla num Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Bankwest More Mastercard

BOQ Blue Rewards Credit Card

Ci Classic Credit Card

Coles Low Rate Mastercard

IMB Pla num Mastercard

NAB Rewards Classic Card

Credit Cards Star Ratings 2018 - Page 31Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $36,000 Annual Spend

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More World Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Commonwealth Bank Diamond Awards  - Rewards Op on

CUA Pla num Credit Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Pla num Card

NAB Rewards Signature Card

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Gold Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 32Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $60,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

Coles Rewards Mastercard

Jetstar Pla num Mastercard - Rewards Op on

La tude Financial Services La tude Infinity Rewards

Summerland Credit Union Rewards Card

American Express Essen al Credit Card

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

Jetstar Mastercard - Rewards Op on

Macquarie Bank Black Card - Macquarie Rewards

Myer Credit Card

Myer Pla num Credit Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 33Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $60,000 Annual Spend

ANZ Rewards Black

ANZ Rewards Pla num

Auswide Bank Pla num Rewards Mastercard

BankVic Visa Gold

Bankwest More Mastercard

Bankwest More Pla num Mastercard

bcu Rewards Credit Card

Bendigo Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Personal Dual Card

First Op on Credit Union Cash Rewards Visa Credit Card

HSBC Pla num Credit Card

IMB Pla num Mastercard

ING Orange One Pla num

La tude Financial Services GO Mastercard

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Classic Card

NAB Rewards Pla num Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 34Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $60,000 Annual Spend

ANZ Rewards

ANZ Rewards Travel Adventures Card

Bankwest More World Mastercard

BOQ Blue Rewards Credit Card

Ci Classic Credit Card

Ci Pla num Credit Card

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

CUA Pla num Credit Card

Hume Bank Clear

NAB Rewards Signature Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Diners Club Australia Personal Card

Suncorp Bank Clear Op ons Gold Card

Credit Cards Star Ratings 2018 - Page 35Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $120,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

Coles Rewards Mastercard

Jetstar Pla num Mastercard - Rewards Op on

American Express Essen al Credit Card

American Express Pla num Edge Credit Card

Commonwealth Bank Diamond Awards  - Rewards Op on

La tude Financial Services La tude Infinity Rewards

Macquarie Bank Black Card - Macquarie Rewards

Myer Credit Card

Myer Pla num Credit Card

Summerland Credit Union Rewards Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 36Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $120,000 Annual Spend

ANZ Rewards Black

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bankwest More Pla num Mastercard

Bankwest More World Mastercard

bcu Rewards Credit Card

Bendigo Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Ci Pla num Credit Card

Ci Signature Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

First Op on Credit Union Cash Rewards Visa Credit Card

HSBC Pla num Credit Card

IMB Pla num Mastercard

Jetstar Mastercard - Rewards Op on

La tude Financial Services GO Mastercard

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 37Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Rewards $120,000 Annual Spend

ANZ Rewards

BankVic Visa Gold

Bankwest More Mastercard

BOQ Blue Rewards Credit Card

Ci Pres ge Card - Rewards Op on

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

CUA Pla num Credit Card

Hume Bank Clear

Macquarie Bank Hilton Honors Pla num Card

Ci Classic Credit Card

ING Orange One Pla num

Suncorp Bank Clear Op ons Gold Card

Credit Cards Star Ratings 2018 - Page 38Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $12,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express Essen al Credit Card

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Qantas Discovery Card

American Express Velocity Escape Card

ANZ Rewards Travel Adventures Card

American Express David Jones Card - Rewards Op on

American Express Velocity Pla num Card

ANZ Rewards Pla num

Coles Rewards Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

HSBC Pla num Credit Card

QANTAS Qantas Premier Everyday

Virgin Money Velocity Flyer Card

Coles No Annual Fee Mastercard

NAB Qantas Rewards Card

Virgin Money Velocity High Flyer Card

ANZ Rewards

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

Credit Cards Star Ratings 2018 - Page 39Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $12,000 Annual Spend

American Express David Jones Pla num Card - Qantas Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Qantas Premium Card

American Express Qantas Ul mate Card

ANZ Frequent Flyer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

ANZ Rewards Black

Auswide Bank Pla num Rewards Mastercard

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Qantas Op on

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Signature Qantas Credit Card

Coles Low Rate Mastercard

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Qantas Credit Card

Credit Cards Star Ratings 2018 - Page 40Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $12,000 Annual Spend

IMB Pla num Mastercard

Jetstar Mastercard - Qantas Op on

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Qantas Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Westpac Al tude Black - Qantas Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Qantas Op on

Westpac Al tude Pla num - Rewards Op on

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 41Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $24,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

ANZ Rewards Travel Adventures Card

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Discovery Card

American Express Qantas Premium Card

American Express Velocity Pla num Card

ANZ Rewards Pla num

Coles Rewards Mastercard

Diners Club Australia Personal Dual Card

HSBC Pla num Credit Card

QANTAS Qantas Premier Everyday

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 42Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $24,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Qantas Ul mate Card

Auswide Bank Pla num Rewards Mastercard

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

HSBC Pla num Qantas Credit Card

Jetstar Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

NAB Qantas Rewards Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Pla num - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Woolworths Qantas Pla num Credit Card

ANZ Rewards

Diners Club Australia Frequent Flyer Dual Card

IMB Pla num Mastercard

NAB Rewards Classic Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 43Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $24,000 Annual Spend

ANZ Frequent Flyer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

ANZ Rewards Black

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Qantas Op on

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Signature Qantas Credit Card

Coles Low Rate Mastercard

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

G&C Mutual Bank Pla num Visa Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

St.George Bank Amplify Signature - Qantas Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Westpac Al tude Black - Qantas Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Qantas Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 44Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $36,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

American Express Velocity Pla num Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Qantas Premium Card

American Express Qantas Ul mate Card

ANZ Rewards Travel Adventures Card

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Credit Card

QANTAS Qantas Premier Everyday

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 45Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $36,000 Annual Spend

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

ANZ Rewards Black

ANZ Rewards Pla num

Auswide Bank Pla num Rewards Mastercard

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bankwest Qantas Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

HSBC Pla num Qantas Credit Card

IMB Pla num Mastercard

Jetstar Mastercard - Qantas Op on

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Card

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 46Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $36,000 Annual Spend

St.George Bank Amplify Signature - Qantas Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Qantas Op on

Woolworths Qantas Pla num Credit Card

ANZ Rewards

Bankwest Qantas World Mastercard

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

G&C Mutual Bank Pla num Visa Credit Card

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

Westpac Al tude Pla num - Qantas Op on

ANZ Frequent Flyer

Ci Pres ge Card - Qantas Op on

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Signature Qantas Credit Card

Coles Low Rate Mastercard

Macquarie Bank Hilton Honors Pla num Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 47Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $60,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Pla num Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Qantas Premium Card

American Express Qantas Ul mate Card

American Express Velocity Escape Card

ANZ Rewards Black

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Personal Card

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 48Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $60,000 Annual Spend

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Ci Signature Credit Card

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Credit Card

HSBC Pla num Qantas Credit Card

IMB Pla num Mastercard

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

QANTAS Qantas Premier Everyday

QANTAS Qantas Premier Pla num

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Qantas Op on

Credit Cards Star Ratings 2018 - Page 49Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $60,000 Annual Spend

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Qantas Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

Woolworths Qantas Pla num Credit Card

ANZ Rewards

Bankwest Qantas Classic Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Qantas Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

Jetstar Mastercard - Qantas Op on

NAB Qantas Rewards Card

NAB Rewards Classic Card

Qudos Bank Visa Pla num Credit Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

ANZ Frequent Flyer

Ci Pres ge Card - Qantas Op on

Coles Low Rate Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 50Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $120,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Pla num Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Qantas Premium Card

American Express Qantas Ul mate Card

American Express Velocity Escape Card

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Diners Club Australia Personal Card

QANTAS Qantas Premier Pla num

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 51Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $120,000 Annual Spend

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Ci Pres ge Card - Qantas Op on

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Signature Qantas Credit Card

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Credit Card

HSBC Pla num Qantas Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Signature Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

QANTAS Qantas Premier Everyday

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 52Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Frequent Flyer $120,000 Annual Spend

St.George Bank Amplify Signature - Qantas Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Qantas Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Qantas Op on

Woolworths Qantas Pla num Credit Card

ANZ Frequent Flyer

ANZ Rewards

ANZ Rewards Pla num

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Pla num Awards  - Qantas Op on

Commonwealth Bank Standard Awards  - Rewards Op on

IMB Pla num Mastercard

NAB Qantas Rewards Card

NAB Qantas Rewards Premium Card

NAB Rewards Classic Card

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Westpac Al tude Pla num - Rewards Op on

Bankwest Qantas Classic Mastercard

Coles Low Rate Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

Jetstar Mastercard - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 53Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $12,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express Qantas Discovery Card

QANTAS Qantas Premier Everyday

NAB Qantas Rewards Card

Credit Cards Star Ratings 2018 - Page 54Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $12,000 Annual Spend

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Premium Card

American Express Qantas Ul mate Card

ANZ Frequent Flyer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Pres ge Card - Qantas Op on

Ci Signature Qantas Credit Card

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Qantas Credit Card

Jetstar Mastercard - Qantas Op on

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Signature - Qantas Op on

Credit Cards Star Ratings 2018 - Page 55Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $12,000 Annual Spend

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Westpac Al tude Black - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 56Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $24,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Discovery Card

QANTAS Qantas Premier Everyday

American Express Qantas Premium Card

Diners Club Australia Frequent Flyers Club Card

HSBC Pla num Qantas Credit Card

NAB Qantas Rewards Card

Woolworths Qantas Pla num Credit Card

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bendigo Bank Qantas Pla num Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Jetstar Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Pla num - Qantas Op on

QANTAS Qantas Premier Pla num

Credit Cards Star Ratings 2018 - Page 57Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $24,000 Annual Spend

American Express Qantas Ul mate Card

ANZ Frequent Flyer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Ci Pres ge Card - Qantas Op on

Ci Signature Qantas Credit Card

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

G&C Mutual Bank Pla num Visa Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

St.George Bank Amplify Signature - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Westpac Al tude Black - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

Credit Cards Star Ratings 2018 - Page 58Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $36,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Discovery Card

American Express Qantas Premium Card

Diners Club Australia Frequent Flyers Club Card

HSBC Pla num Qantas Credit Card

Macquarie Bank Black Card - Qantas Rewards

NAB Qantas Rewards Card

QANTAS Qantas Premier Everyday

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 59Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $36,000 Annual Spend

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Classic Mastercard

Bankwest Qantas Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

G&C Mutual Bank Pla num Visa Credit Card

Jetstar Mastercard - Qantas Op on

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Signature - Qantas Op on

Westpac Al tude Black - Qantas Op on

American Express Qantas Ul mate Card

Bankwest Qantas World Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

Credit Cards Star Ratings 2018 - Page 60Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $36,000 Annual Spend

ANZ Frequent Flyer

Ci Pres ge Card - Qantas Op on

Ci Signature Qantas Credit Card

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 61Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $60,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Discovery Card

American Express Qantas Premium Card

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Macquarie Bank Black Card - Qantas Rewards

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 62Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $60,000 Annual Spend

American Express Qantas Ul mate Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Pla num Awards  - Qantas Op on

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Qantas Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

QANTAS Qantas Premier Everyday

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Signature - Qantas Op on

Westpac Al tude Black - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

ANZ Frequent Flyer

Bankwest Qantas Classic Mastercard

Ci Signature Qantas Credit Card

Jetstar Mastercard - Qantas Op on

NAB Qantas Rewards Card

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Credit Cards Star Ratings 2018 - Page 63Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $60,000 Annual Spend

Ci Pres ge Card - Qantas Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 64Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $120,000 Annual Spend

"Outstanding Value"

American Express David Jones Card - Qantas Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Qantas Premium Card

American Express Qantas Discovery Card

American Express Qantas Ul mate Card

ANZ Frequent Flyer Black

Commonwealth Bank Diamond Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

QANTAS Qantas Premier Pla num

Westpac Al tude Black - Qantas Op on

Woolworths Qantas Pla num Credit Card

Credit Cards Star Ratings 2018 - Page 65Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Qantas Frequent Flyer $120,000 Annual Spend

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas Pla num Mastercard

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Pres ge Card - Qantas Op on

Ci Signature Qantas Credit Card

G&C Mutual Bank Pla num Visa Credit Card

HSBC Pla num Qantas Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Everyday

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Pla num - Qantas Op on

St.George Bank Amplify Signature - Qantas Op on

Westpac Al tude Pla num - Qantas Op on

ANZ Frequent Flyer

Bankwest Qantas Classic Mastercard

Commonwealth Bank Pla num Awards  - Qantas Op on

Jetstar Mastercard - Qantas Op on

NAB Qantas Rewards Card

Suncorp Bank Clear Op ons Pla num Card  - Qantas Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 66Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $12,000 Annual Spend

"Outstanding Value"

American Express Essen al Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

American Express David Jones Card - Rewards Op on

ANZ Rewards Pla num

Coles No Annual Fee Mastercard

Coles Rewards Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

HSBC Pla num Credit Card

ANZ Rewards

Diners Club Australia Personal Dual Card

St.George Bank Amplify Classic - Rewards Op on

Credit Cards Star Ratings 2018 - Page 67Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $12,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Velocity Pla num Card

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Coles Low Rate Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Personal Card

IMB Pla num Mastercard

Macquarie Bank Hilton Honors Pla num Card

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 68Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $24,000 Annual Spend

"Outstanding Value"

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

ANZ Rewards Pla num

Coles Rewards Mastercard

HSBC Pla num Credit Card

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

ANZ Rewards

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Personal Card

NAB Rewards Classic Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 69Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $24,000 Annual Spend

American Express Velocity Pla num Card

IMB Pla num Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Coles Low Rate Mastercard

Macquarie Bank Hilton Honors Pla num Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

St.George Bank Amplify Signature - Rewards Op on

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 70Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $36,000 Annual Spend

"Outstanding Value"

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

American Express Explorer Credit Card

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Credit Cards Star Ratings 2018 - Page 71Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $36,000 Annual Spend

American Express David Jones Pla num Card - Rewards Op on

American Express Velocity Pla num Card

ANZ Rewards

ANZ Rewards Black

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Personal Card

HSBC Pla num Credit Card

IMB Pla num Mastercard

NAB Rewards Classic Card

NAB Rewards Pla num Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

NAB Rewards Signature Card

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2018 - Page 72Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $36,000 Annual Spend

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Coles Low Rate Mastercard

Macquarie Bank Hilton Honors Pla num Card

Westpac Al tude Black - Rewards Op on

Credit Cards Star Ratings 2018 - Page 73Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $60,000 Annual Spend

"Outstanding Value"

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Velocity Escape Card

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

American Express Essen al Credit Card

American Express Velocity Pla num Card

ANZ Rewards Black

ANZ Rewards Pla num

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Ci Signature Credit Card

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Personal Card

HSBC Pla num Credit Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2018 - Page 74Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $60,000 Annual Spend

ANZ Rewards

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Coles No Annual Fee Mastercard

IMB Pla num Mastercard

NAB Rewards Classic Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Coles Low Rate Mastercard

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 75Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $120,000 Annual Spend

"Outstanding Value"

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

Diners Club Australia Personal Dual Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Essen al Credit Card

American Express Velocity Escape Card

American Express Velocity Pla num Card

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Diners Club Australia Personal Card

Credit Cards Star Ratings 2018 - Page 76Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product

Velocity Frequent Flyer $120,000 Annual Spend

ANZ Rewards Black

ANZ Rewards Pla num

Auswide Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Credit Card

IMB Pla num Mastercard

NAB Rewards Pla num Card

NAB Rewards Signature Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Suncorp Bank Clear Op ons Pla num Card  - Rewards Op on

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Westpac Al tude Black - Rewards Op on

ANZ Rewards

ANZ Rewards Travel Adventures Card

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

NAB Rewards Classic Card

Westpac Al tude Pla num - Rewards Op on

Coles Low Rate Mastercard

Macquarie Bank Hilton Honors Pla num Card

Credit Cards Star Ratings 2018 - Page 77Report Date: October, 2018

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.