Pay
Surcharges and earn rates mean not every card gives you equal value on every purchase. Pay compares your cards side by side and ranks them by estimated net benefit after surcharges.
The all-in-one app for Australian loyalty points.
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Free to use · Premium from $4.99/mo · Launching soon
Surcharges and earn rates mean not every card gives you equal value on every purchase. Pay compares your cards side by side and ranks them by estimated net benefit after surcharges.
A Qantas economy flight to Bali might get you 1.6c per point. The same points, same airline, and same cabin class on a flight to Japan? Maybe 3.5c. Flight calculates the cents-per-point on any booking and shows how it compares to PointMate's benchmark range.
With dozens of rewards cards on the market, it's hard to know which ones deliver the highest calculated return. Cards lets you browse, compare, and track every major Australian rewards card — from points value based on your typical redemption, to bonus reachability, to cancel-by dates.
10,000 Qantas points redeemed as a gift card: about $45. Redeemed on an international economy class flight: up to $440. Value shows the full range for any balance across 15 programs, broken down by how you'd actually use them.
Qantas, Velocity, Amex, Flybuys, a couple of bank programs — what's all of that worth combined? Portfolio gives you a single dollar figure for your total points across your programs.
Saving for a dream flight but not sure how long it'll take? Goals estimates how many months of spending it takes to earn enough points for any route and cabin class.
It's easy to forget how much value your points decisions add up to over time. Savings tracks every dollar logged from your card choices, flight bookings, and transfer bonuses.
Airlines and banks regularly run transfer bonus promotions that can boost your points by 15–30% overnight. Bonuses shows you every active promotion so you never miss one.
Programs quietly devalue points, change earn rates, and update expiry rules all the time. Alerts keeps you across every change so you're never caught off guard.
Built for Australia
No bank commissions.
No sponsored recommendations.
Just the numbers.
See what yours are worth in seconds, with PointMate.
Get notified when PointMate launches
Free to use · Premium from $4.99/mo · Launching soon