About

Points Before Fees is an independent information site about credit cards in Australia, with a focus on cashback, rewards points and frequent flyer cards. It explains how to put a value on points and perks, how annual fees, interest-free days, balance transfers and foreign transaction fees affect the real cost of a card, and which Australian laws and regulators protect cardholders.

The site is for people comparing their first rewards card, people wondering whether to keep a card when its annual fee comes due, and people who carry a balance and want to know whether a rewards card is costing them money. Each guide shows the arithmetic with illustrative figures and points to official sources such as the Reserve Bank of Australia, ASIC and Moneysmart, the Federal Register of Legislation, the Office of the Australian Information Commissioner, AFCA and the National Debt Helpline.

We do not issue cards, arrange credit, rank card issuers or publish live offers. Earn rates, point values, fees and interest rates in examples are not offers from any provider. Nothing on this site is financial, legal or credit advice, and it does not take your circumstances into account. Check current terms in each card's Key Facts Sheet before deciding.

How this site is made

Points Before Fees is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.