Credit Card Benefits Tracker for Australian Cards (2026): What Is Actually Covered
No mainstream benefits tracker covers Australian cards. MaxWorth carries hand-verified data for eight Australian issuers: Amex, ANZ, CommBank, NAB, Westpac, HSBC, Bankwest and MyCard. Here is what that includes, what it does not, and why anniversary-year credits need their own clock.
Quick answer: MaxWorth tracks credit card benefits for Australian cards from eight issuers, with each credit’s amount and reset cycle entered by hand from the issuer’s terms: American Express Australia, ANZ, Commonwealth Bank, NAB, Westpac, HSBC Australia, Bankwest and MyCard. It never asks for a bank login. The feature that matters most for Australian cards is the anniversary-year clock: Amex Australia’s travel and dining credits reset on your card anniversary, not on January 1, and a tracker that assumes the calendar year will tell you the wrong date. What MaxWorth does not do for Australians is shopping-portal comparison and offer activation; both are built for the US market.
Why Australian cards are a blank in this category
Every mainstream benefits tracker is a US product. Third-party comparisons describe CardPointers’ Australian coverage as effectively absent; MaxRewards, CardStack, kardfolio and Kudos do not list Australian cards at all. The nine-app ranking covers this in detail. Until now an Australian with an Amex Platinum and an ANZ Frequent Flyer Black has tracked a $450 travel credit in a notes app.
At a glance: Australian cards with credits to track
| Card (annual fee, AUD) | Credits and cycles |
|---|---|
| Amex Platinum ($1,450) | $450 travel credit via Amex Travel Online · $400 dining credit ($200 domestic, $200 international) · both reset on the card anniversary |
| Amex Explorer ($395) | $400 travel credit via Amex Travel Online, card anniversary |
| Amex Qantas Ultimate ($450) | $450 Qantas travel credit on a single QF booking of $450 or more, once per cardmember year |
| Amex Velocity Platinum ($440) | One complimentary domestic return economy flight per cardmember year |
| Amex Business Gold Plus ($395) | $650 in supplier credits across Xero, Google Ads, Meta, AWS, Square and others, enrolment required |
| CommBank Ultimate Awards ($420) | Two airport lounge passes per calendar year, resetting January 1 |
| HSBC Star Alliance ($499) | Star Alliance Gold fast-track after $4,000 spend in 90 days |
Qantas and Velocity earn rates, lounge passes and insurance on the ANZ, NAB, Westpac and Bankwest cards are catalogued too; they are status and insurance benefits rather than credits, so they are not listed here.
How it works for an Australian cardholder
Pick the card, the credits load. Add the Amex Platinum and both credits appear with their anniversary-year cycle already set to your card’s date. The CommBank lounge passes sit on a calendar-year clock next to them, and the app keeps both.
Reminders before each cycle closes. The push before your anniversary is the one that saves the $450; unused Amex Australia travel credit does not roll over.
Annual-fee ROI in AUD. At renewal, what the card returned against $1,450 or $450, from the credits you marked used.
Points balances, manually. Qantas Points, Velocity Points and Membership Rewards balances can be tracked, and award flight search runs against them.
What it will not do
- Shopping-portal comparison covers US portals. Cashrewards and ShopBack are not in the comparison today.
- Offer activation is built for the US Amex and Chase sites. Australian Amex Offers are not something the extension claims to activate.
- No automatic credit marking. You tap “used”. That is the trade for never connecting an Australian bank account.
- Legacy cards stay in the database for existing holders (MyCard Prestige, ANZ Rewards Travel Adventures) but are not recommended; they are closed to new applicants.
What it costs
Free to add cards and track credits. Premium is US$7.99 a month, US$60 a year, or US$159.99 once; App Store prices in AUD follow Apple’s conversion. List prices only.
The honest one-line verdict
For Australian cards, MaxWorth is the only benefits tracker with hand-verified coverage at all, and the anniversary-year clock alone justifies it for Amex Platinum and Explorer holders. For portals and offers in Australia, nothing in this category does the job, including us.
Frequently Asked Questions
Is there a credit card benefits tracker that supports Australian cards?
MaxWorth maintains hand-verified card and benefit data for eight Australian issuers. Third-party comparisons describe CardPointers' Australian coverage as effectively absent, and MaxRewards, CardStack, kardfolio and Kudos are US-only.
Which Australian cards have credits worth tracking?
The Amex Platinum ($450 travel credit and $400 dining credit, both resetting on the card anniversary), the Amex Explorer ($400 travel credit), the Amex Qantas Ultimate ($450 Qantas travel credit), the Amex Velocity Platinum (a free domestic return flight each year), the CommBank Ultimate Awards (two lounge passes a year) and the Amex Business Gold Plus ($650 in supplier credits).
Does MaxWorth need my Australian bank login?
No. You pick your cards from the database and the credits load with their cycles. There is no account connection in the product, so there is nothing to link at ANZ, CommBank, NAB or Westpac.
Do the shopping-portal and offer features work in Australia?
No. Portal comparison covers US-market portals and offer activation is built for the US Amex and Chase sites. Australian cardholders get the benefit tracker, reminders, annual-fee ROI and points tracking; we do not claim the rest.