Cashback credit cards have become a popular way to earn rewards from your everyday purchases. Whether you’re grabbing groceries, filling up your car, or eating out, using the right cashback card can give you real money back. In 2025, banks in Australia are still offering attractive cashback rates and sign-up bonuses. However, the trick is to find the card that matches your spending habits, as not all cards are created equal.
This guide takes a look at some of the top cashback credit cards available in Australia in 2025, helping you make an informed choice about which one will maximize your rewards.
Why Choose Cashback Credit Cards in Australia?
What’s great about cashback cards, as opposed to points or travel cards, is that they give you actual cash back – typically a percentage of what you spend. It’s easy to redeem that cashback too, either as a statement credit or a direct deposit into your bank account. It’s a simple, flexible reward that’s hard to beat.
Australian cashback cards generally offer:
- Extra cashback on groceries, fuel, and household bills
- No annual fee options
- Competitive ongoing cashback rates
- Sign-up bonuses or introductory cashback offers
Top Cashback Credit Cards in Australia for 2025
Let’s dive into a few of the best cashback credit cards that Australians can apply for this year:
| Credit Card | Cashback Rate | Annual Fee (AUD) | Signup Bonus | Best For |
|---|---|---|---|---|
| ANZ Cashback Visa | 2% cashback on groceries, 0.5% on other purchases | $0 | $100 cashback bonus | Everyday grocery shoppers |
| NAB Low Rate Card | 1.5% cashback (flat rate) | $0 | No bonus | No annual fee seekers |
| Westpac Rewards Mastercard | 1.25% cashback on fuel | $50 | $150 cashback bonus | Petrol and transport expenses |
| St.George Amplify Credit Card | Up to 3% cashback on selected categories | $99 | $200 cashback bonus | Bonus category maximisers |
How to Maximise Cashback Rewards in Australia
- Identify Your Biggest Spending Categories
Take a close look at where you spend the most. If you spend a lot on groceries, dining out, or petrol, choosing a card that offers higher cashback in those areas could make a big difference. - Use Your Card Regularly in Bonus Categories
For example, if the ANZ Cashback Visa gives 2% on groceries, make sure to use that card when doing your supermarket shopping. - Combine Cashback with Store Offers
Many stores offer discounts or promotions that can be stacked with your cashback rewards. This is an easy way to double-dip and make your savings even bigger. - Pay Your Balance in Full Every Month
To get the most out of your cashback, make sure to pay off your balance each month. If you don’t, interest fees could eat up the rewards you earned. - Monitor Signup Bonuses and Promo Periods
Some cards offer great introductory cashback bonuses. It’s worth timing your application to coincide with these periods for maximum value.
What to Consider Before Applying
- Annual Fees: Be aware that some cards with no annual fee might offer lower cashback rates. On the flip side, cards with a fee tend to provide better rewards for bigger spenders.
- Cashback Caps: Some cards limit the amount of cashback you can earn each month or year. This is important to consider if you’re a high spender.
- Foreign Transaction Fees: If you travel a lot or shop online internationally, check whether the card charges foreign transaction fees.
- Redemption Flexibility: Make sure the cashback can be redeemed in a way that works for you. Some cards might impose restrictions, which can be a hassle.
Conclusion: Which Cashback Credit Card is Right for You?
If you’re looking for a straightforward, no-fee option for earning cashback on groceries, the ANZ Cashback Visa might be your best bet. For regular fuel users, the Westpac Rewards Mastercard offers solid cashback on petrol. If you prefer maximizing rewards across different categories, then the St.George Amplify Credit Card could be the perfect fit with its higher cashback rates.
Ultimately, the best cashback credit card is the one that aligns with your spending habits and financial goals. Take the time to compare the options, apply for the card with the most appealing sign-up bonus, and start putting your daily spending to work for you in 2025!
