credit cards star ratings · geelong bank amigo credit card greater bank visa credit card hsbc...

52
Credit Cards Star Ratings We 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 Low Rate Credit Card Bank Australia Visa Credit Card Bank First Visa Classic Credit Card BankVic Visa Silver First OpƟon Bank Low Rate Visa Credit Card 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 2019 - Page 1 Report Date: April, 2019 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Upload: others

Post on 27-Mar-2020

15 views

Category:

Documents


0 download

TRANSCRIPT

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 Low Rate Credit Card

Bank Australia Visa Credit Card

Bank First Visa Classic Credit Card

BankVic Visa Silver

First Op on Bank Low Rate Visa Credit Card

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 2019 - Page 1Report Date: April, 2019

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 Essen al Credit Card

American Express Qantas Discovery Card

American Express Velocity Escape Card

Bankwest Zero Mastercard

Bankwest Zero Pla num Mastercard

Bendigo Bank Low Rate First Mastercard (for<25)

Ci Simplicity Card

Coles No Annual Fee Mastercard

Commonwealth Bank Low Fee Mastercard

First Op on Bank Cash Rewards 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

QANTAS Qantas Premier Everyday

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 Low Fee

Credit Cards Star Ratings 2019 - Page 2Report Date: April, 2019

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 Low Rate

ANZ Pla num

ANZ Rewards

ANZ Rewards Pla num

Australian Military Bank Low Rate Visa Card

Australian Unity Low Rate Visa

Auswide Bank Low Rate Visa

Auswide Bank Pla num Rewards Mastercard

Bank Australia Low Rate 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

Bankwest Qantas Pla num Mastercard

bcu Classic Credit Card

Bendigo Bank Low Rate 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

Ci Pla num Credit Card

Coles Low Rate Mastercard

Coles Rewards Mastercard

Commonwealth Bank Essen als

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

Commonwealth Bank Low Rate Mastercard

Credit Cards Star Ratings 2019 - Page 3Report Date: April, 2019

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 Credit Card

Community First CU McGrath Pink Visa

CUA Low Rate Credit Card

CUA Pla num Credit Card

Easy Street Fin Services Easy Low Rate Visa

Endeavour Mutual Bank Visa Credit Card

FlexiGroup Skye Mastercard

G&C Mutual Bank Low Rate Visa Credit Card

Geelong Bank Amigo Credit Card

Greater Bank Visa Credit Card

HSBC Classic Credit Card

HSBC Low Rate Credit Card

HSBC Pla num Qantas Credit Card

IMB Low Rate Mastercard

IMB Pla num Mastercard

Jetstar Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

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

Credit Cards Star Ratings 2019 - Page 4Report Date: April, 2019

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

P&N Bank Classic Visa

P&N Bank Visa Pla num

People's Choice Credit Union Visa Credit Card

RACQ Bank Low Rate Mastercard

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 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

Virgin Money Low Rate Card

Westpac Low Fee Pla num

Westpac Low Rate Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 5Report Date: April, 2019

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 Pla num Edge Credit Card

ANZ Frequent Flyer

ANZ Frequent Flyer Pla num

ANZ Rewards Travel Adventures Card

Bank Australia Pla num Rewards Visa Credit Card

Bankwest More Mastercard

Bankwest More Pla num Mastercard

Bankwest Qantas Classic Mastercard

bcu Rewards Credit Card

Bendigo Bank Low Rate Pla num Mastercard

BOQ Pla num Rewards Credit Card

Ci Classic Credit Card

Heritage Bank Classic

Heritage Bank Pla num

Hunter United Visa Credit Card

Hunter United Visa Credit Card - Home Loan Bwrs

La tude Financial Services Gem Visa

La tude Financial Services GO Mastercard

La tude Financial Services La tude Infinity Rewards

La tude Financial Services Mastercard

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

Suncorp Bank Clear Op ons Pla num Card  - 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

Credit Cards Star Ratings 2019 - Page 6Report Date: April, 2019

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

Woolworths Qantas Pla num Credit Card

American Express David Jones Pla num Card - Rewards Op on

American Express Explorer Credit Card

American Express Qantas Premium 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

Credit Cards Star Ratings 2019 - Page 7Report Date: April, 2019

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 Credit Card

Community First CU McGrath Pink Visa

Easy Street Fin Services Easy Low Rate Visa

First Op on 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

Credit Cards Star Ratings 2019 - Page 8Report Date: April, 2019

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

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

Beyond Bank Low Rate Visa Credit Card

Commonwealth Bank Low Rate Gold Mastercard

Commonwealth Bank Low Rate Mastercard

CUA Low Rate Credit Card

Endeavour Mutual Bank Visa Credit Card

G&C Mutual Bank Low Rate Visa Credit Card

Greater Bank Visa Credit Card

Holiday Coast CU Light Visa Credit Card

Horizon Credit Union Visa Credit Card

Hume Bank Value

ING Orange One

ME frank credit card

P&N Bank Classic Visa

People's Choice Credit Union Visa Credit Card

QBANK Bluey Card

Qudos Bank Lifestyle

Summerland Credit Union Low Rate Card

Credit Cards Star Ratings 2019 - Page 9Report Date: April, 2019

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 Low Rate

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 More 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

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 Standard Awards  - Rewards Op on

CUA Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 10Report Date: April, 2019

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

First Op on Bank Cash Rewards Visa Credit Card

Geelong Bank Amigo Credit Card

Heritage Bank Classic

Heritage Bank Gold Low Rate

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

Jetstar Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

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

NAB Rewards Pla num Card

Newcastle Permanent Value+ Credit Card

Nexus Mutual Visa Pla num Credit Card

Northern Inland CU Visa Classic Credit Card

P&N Bank Visa Pla num

QANTAS Qantas Premier Everyday

Qudos Bank Lifestyle Plus

RACQ Bank Low Rate Mastercard

RACQ Bank Pla num Rewards Mastercard

Credit Cards Star Ratings 2019 - Page 11Report Date: April, 2019

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

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - 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 Low Fee

Westpac Low Fee Pla num

Westpac Low Rate Card

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 12Report Date: April, 2019

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 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

FlexiGroup Skye Mastercard

G&C Mutual Bank Pla num Visa Credit Card

Heritage Bank Pla num

HSBC Classic Credit Card

IMB Pla num Mastercard

ING Orange One Pla num

La tude Financial Services 28 Degrees Pla num Mastercard

La tude Financial Services GO Mastercard

La tude Financial Services La tude Infinity Rewards

La tude Financial Services Mastercard

Macquarie Bank Pla num Card - Macquarie Rewards

Macquarie Bank Pla num Card - Qantas Rewards

Qudos Bank Visa Pla num Credit Card

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 2019 - Page 13Report Date: April, 2019

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 2019 - Page 14Report Date: April, 2019

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

Bankwest More Pla num Mastercard

Bendigo Bank Pla num Rewards Mastercard

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Ci Pla num Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Qantas Credit Card

IMB Pla num Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Pla num Card

St.George Bank Amplify Pla num - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 15Report Date: April, 2019

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

American Express Pla num Edge Credit Card

ANZ Pla num

ANZ Rewards Black

Auswide Bank Pla num Rewards Mastercard

Bank First Visa Pla num 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 Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Simplicity Card

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

CUA Pla num Credit Card

Diners Club Australia Personal Card

Heritage Bank Pla num

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Qantas Rewards Premium 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 Signature - Rewards Op on

St.George Bank Rainbow Ver go Pla num

Credit Cards Star Ratings 2019 - Page 16Report Date: April, 2019

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 Ver go Pla num

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

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Rewards Op on

Westpac Low Fee Pla num

Woolworths Qantas Pla num Credit Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas World Mastercard

Ci Emirates World Mastercard

Ci Signature Qantas Credit Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Dual Card

G&C Mutual Bank Pla num Visa Credit Card

Macquarie Bank Black Card - Qantas Rewards

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Signature Card

Virgin Money Velocity High Flyer Card

American Express Qantas Premium Card

Diners Club Australia Frequent Flyer Dual Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 17Report Date: April, 2019

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

ANZ Rewards Travel Adventures Card

Bankwest More Pla num Mastercard

Bendigo Bank Pla num Rewards Mastercard

HSBC Pla num Credit Card

Jetstar Pla num Mastercard - Rewards Op on

Nexus Mutual Visa Pla num Credit Card

ANZ Rewards Black

BOQ Pla num Rewards Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

HSBC Pla num Qantas Credit Card

IMB Pla num Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Pla num Card

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Credit Cards Star Ratings 2019 - Page 18Report Date: April, 2019

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

American Express Pla num Edge Credit Card

ANZ Pla num

Auswide Bank Pla num Rewards Mastercard

Bank First Visa Pla num 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

Commonwealth Bank Diamond Awards  - Rewards Op on

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

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Qantas Rewards Premium 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 Rainbow Ver go Pla num

Credit Cards Star Ratings 2019 - Page 19Report Date: April, 2019

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 Ver go Pla num

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

Westpac Low Fee Pla num

Woolworths Qantas Pla num Credit Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas World Mastercard

Ci Emirates World Mastercard

Ci Signature Qantas Credit 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 Pla num Card - Qantas Rewards

NAB Qantas Rewards Signature Card

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

American Express Qantas Premium Card

Diners Club Australia Frequent Flyer Dual Card

QANTAS Qantas Premier Pla num

Qudos Bank Visa Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 20Report Date: April, 2019

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

BOQ Pla num Rewards Credit Card

HSBC Pla num Credit Card

Nexus Mutual Visa Pla num Credit Card

RACQ Bank Pla num Rewards Mastercard

Auswide Bank Pla num Rewards Mastercard

BankVic Visa Gold

Bankwest More Pla num Mastercard

Bankwest More World Mastercard

Ci Pla num Credit Card

Commonwealth Bank Pla num Awards  - Rewards Op on

CUA Pla num Credit Card

IMB Pla num Mastercard

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Pla num Card

St.George Bank Amplify Pla num - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 21Report Date: April, 2019

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 Pla num Edge Credit Card

ANZ Pla num

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Bank First Visa Pla num Credit Card

Bankwest Breeze Pla num Mastercard

Bankwest Qantas Pla num Mastercard

Bankwest Zero Pla num Mastercard

Bendigo Bank Qantas Pla num Mastercard

Ci Clear Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Simplicity Card

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Low Fee Gold Mastercard

Commonwealth Bank Low Rate Gold Mastercard

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

Heritage Bank Pla num

HSBC Pla num Qantas Credit Card

Jetstar Pla num Mastercard - Rewards Op on

Macquarie Bank Black Card - Macquarie Rewards

NAB Low Fee Pla num card

NAB Low Rate Pla num Card

NAB Qantas Rewards Premium 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 Signature - Rewards Op on

Credit Cards Star Ratings 2019 - Page 22Report Date: April, 2019

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 Rainbow Ver go Pla num

St.George Bank Ver go Pla num

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

Westpac Al tude Black - Rewards Op on

Westpac Low Fee Pla num

Woolworths Qantas Pla num Credit Card

American Express Explorer Credit Card

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

Bank Australia Pla num Rewards Visa Credit Card

Bankwest Qantas World Mastercard

Ci Emirates World Mastercard

Ci Signature Qantas Credit Card

Diners Club Australia Frequent Flyer Dual Card

G&C Mutual Bank Pla num Visa Credit Card

Macquarie Bank Black Card - Qantas Rewards

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 Premium Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

Qudos Bank Visa Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 23Report Date: April, 2019

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 Mastercard - Rewards Op on

Jetstar Pla num Mastercard - Rewards Op on

Coles No Annual Fee Mastercard

Coles Rewards Mastercard

Hume Bank Clear

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 Bank Cash Rewards Visa Credit Card

Credit Cards Star Ratings 2019 - Page 24Report Date: April, 2019

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

IMB Pla num Mastercard

ING Orange One Pla num

La tude Financial Services GO Mastercard

Macquarie Bank Black Card - Macquarie Rewards

Macquarie Bank Pla num Card - Macquarie Rewards

Credit Cards Star Ratings 2019 - Page 25Report Date: April, 2019

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

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

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 26Report Date: April, 2019

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

HSBC Pla num Credit Card

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

ANZ Rewards Pla num

Bankwest More Mastercard

Coles Rewards Mastercard

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

Bankwest More Pla num Mastercard

bcu Rewards Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

First Op on Bank Cash Rewards Visa Credit Card

Hume Bank Clear

ING Orange One Pla num

La tude Financial Services GO Mastercard

St.George Bank Amplify Classic - Rewards Op on

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 27Report Date: April, 2019

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

American Express Pla num Edge Credit Card

ANZ Rewards

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards 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

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 28Report Date: April, 2019

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

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 David Jones Pla num Card - Rewards Op on

American Express Essen al Credit Card

Bankwest More Mastercard

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 2019 - Page 29Report Date: April, 2019

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 Pla num Edge Credit Card

ANZ Rewards Pla num

BankVic Visa Gold

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

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

First Op on Bank Cash Rewards Visa Credit Card

Hume Bank Clear

La tude Financial Services GO Mastercard

Macquarie Bank Black Card - Macquarie Rewards

NAB Rewards Classic 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

ANZ Rewards

BOQ Blue Rewards Credit Card

Ci Classic Credit Card

Coles Low Rate Mastercard

IMB Pla num Mastercard

Credit Cards Star Ratings 2019 - Page 30Report Date: April, 2019

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 Black

ANZ Rewards Travel Adventures Card

Auswide Bank Pla num Rewards Mastercard

Ci Pla num Credit Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

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

Macquarie Bank Pla num Card - Macquarie Rewards

NAB Rewards Pla num Card

NAB Rewards Signature Card

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 2019 - Page 31Report Date: April, 2019

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

Bankwest More Pla num Mastercard

Jetstar Pla num Mastercard - Rewards Op on

Summerland Credit Union Rewards Card

American Express Essen al Credit Card

Bankwest More Mastercard

Coles Rewards Mastercard

HSBC Pla num Credit Card

Jetstar Mastercard - 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

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 32Report Date: April, 2019

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

American Express Pla num Edge Credit Card

ANZ Rewards Black

ANZ Rewards Pla num

Auswide Bank Pla num Rewards Mastercard

BankVic Visa Gold

Bankwest More World Mastercard

bcu Rewards Credit Card

Bendigo Bank Pla num Rewards Mastercard

BOQ Pla num Rewards Credit Card

Commonwealth Bank Standard Awards  - Rewards Op on

First Op on Bank Cash Rewards Visa Credit Card

Hume Bank Clear

IMB Pla num Mastercard

ING Orange One Pla num

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

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 33Report Date: April, 2019

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

American Express Explorer Credit Card

ANZ Rewards

ANZ Rewards Travel Adventures Card

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

Diners Club Australia Personal Dual Card

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Personal Card

Suncorp Bank Clear Op ons Gold Card

Credit Cards Star Ratings 2019 - Page 34Report Date: April, 2019

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

Bankwest More Pla num Mastercard

Bankwest More World Mastercard

Coles Rewards Mastercard

Jetstar Pla num Mastercard - 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

NAB Rewards Signature Card

St.George Bank Amplify Signature - Rewards Op on

Summerland Credit Union Rewards Card

Credit Cards Star Ratings 2019 - Page 35Report Date: April, 2019

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

American Express Essen al Credit Card

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

ANZ Rewards Black

ANZ Rewards Pla num

Bankwest More 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 Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Personal Dual Card

First Op on Bank Cash Rewards Visa Credit Card

HSBC Pla num Credit Card

Hume Bank Clear

IMB Pla num Mastercard

La tude Financial Services GO Mastercard

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

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

Woolworths Everyday Pla num Credit Card

Credit Cards Star Ratings 2019 - Page 36Report Date: April, 2019

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

ANZ Rewards Travel Adventures Card

BankVic Visa Gold

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

Diners Club Australia Personal Card

ING Orange One Pla num

Jetstar Mastercard - Rewards Op on

Auswide Bank Pla num Rewards Mastercard

Ci Classic Credit Card

Suncorp Bank Clear Op ons Gold Card

Credit Cards Star Ratings 2019 - Page 37Report Date: April, 2019

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 Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Escape Card

ANZ Rewards Travel Adventures Card

HSBC Pla num Credit Card

HSBC Pla num Qantas Credit Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Qantas Op on

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Velocity Pla num Card

ANZ Rewards Pla num

Coles Rewards Mastercard

QANTAS Qantas Premier Everyday

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

American Express Qantas Ul mate Card

ANZ Rewards

BOQ Pla num Rewards Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

Diners Club Australia Frequent Flyers Club Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

Credit Cards Star Ratings 2019 - Page 38Report Date: April, 2019

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 - Rewards Op on

American Express Qantas Premium 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

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  - Rewards Op on

Commonwealth Bank Standard Awards  - Qantas Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Personal Card

Diners Club Australia Personal Dual Card

G&C Mutual Bank Pla num Visa 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

Credit Cards Star Ratings 2019 - Page 39Report Date: April, 2019

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

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

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 2019 - Page 40Report Date: April, 2019

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 Pla num Card - Qantas Op on

American Express Explorer Credit Card

American Express Pla num Edge Credit Card

American Express Velocity Pla num Card

ANZ Rewards Travel Adventures Card

HSBC Pla num Qantas Credit Card

American Express David Jones Card - Rewards Op on

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Qantas Ul mate Card

American Express Velocity Escape Card

ANZ Rewards Pla num

Coles Rewards Mastercard

HSBC Pla num Credit Card

QANTAS Qantas Premier Everyday

Virgin Money Velocity Flyer Card

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2019 - Page 41Report Date: April, 2019

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 Premium Card

ANZ Rewards

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

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Coles No Annual Fee Mastercard

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

Diners Club Australia Personal Dual Card

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 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 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 2019 - Page 42Report Date: April, 2019

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

Diners Club Australia Frequent Flyer Dual Card

G&C Mutual Bank Pla num Visa Credit Card

IMB Pla num Mastercard

St.George Bank Amplify Signature - Rewards Op on

Woolworths Qantas Pla num Credit Card

ANZ Frequent Flyer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Pla num

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 Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

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 Black - Rewards Op on

Westpac Al tude Pla num - Qantas Op on

Westpac Al tude Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 43Report Date: April, 2019

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 Qantas Ul mate Card

American Express Velocity Pla num Card

HSBC Pla num Qantas Credit Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Qantas Discovery Card

American Express Velocity Escape Card

ANZ Rewards Travel Adventures Card

Coles Rewards Mastercard

Diners Club Australia Personal Dual Card

HSBC Pla num Credit Card

Macquarie Bank Black Card - Qantas Rewards

QANTAS Qantas Premier Everyday

Virgin Money Velocity High Flyer Card

Credit Cards Star Ratings 2019 - Page 44Report Date: April, 2019

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

American Express Essen al Credit Card

American Express Qantas Premium Card

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

Bankwest Qantas World Mastercard

Bendigo Bank Qantas Pla num Mastercard

BOQ Pla num Rewards Credit Card

Commonwealth Bank Pla num Awards  - Rewards 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

G&C Mutual Bank Pla num Visa Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Card

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 Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

Credit Cards Star Ratings 2019 - Page 45Report Date: April, 2019

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 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

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Qantas Op on

Woolworths Qantas Pla num Credit Card

ANZ Rewards

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Standard Awards  - Qantas Op on

IMB Pla num Mastercard

Jetstar Mastercard - Qantas Op on

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

Westpac Al tude Pla num - Qantas Op on

Westpac Al tude Pla num - Rewards 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

Commonwealth Bank Diamond Awards  - Qantas Op on

Westpac Al tude Black - Rewards Op on

Credit Cards Star Ratings 2019 - Page 46Report Date: April, 2019

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 Explorer Credit Card

American Express Qantas Ul mate Card

American Express Velocity Pla num Card

Diners Club Australia Personal Dual Card

Virgin Money Velocity High Flyer Card

American Express David Jones Card - Rewards Op on

American Express David Jones Pla num Card - Rewards Op on

American Express Pla num Edge Credit Card

American Express Qantas Premium Card

ANZ Frequent Flyer Black

ANZ Rewards Black

HSBC Pla num Credit Card

HSBC Pla num Qantas Credit Card

Macquarie Bank Black Card - Qantas Rewards

NAB Qantas Rewards Signature Card

QANTAS Qantas Premier Pla num

Credit Cards Star Ratings 2019 - Page 47Report Date: April, 2019

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

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Velocity Escape Card

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

Coles Rewards Mastercard

Commonwealth Bank Diamond Awards  - Qantas Op on

Commonwealth Bank Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal Card

G&C Mutual Bank Pla num Visa Credit Card

Jetstar Pla num Mastercard - Qantas Op on

Macquarie Bank Pla num Card - Qantas Rewards

NAB Qantas Rewards Premium Card

NAB Rewards Classic Card

NAB Rewards Pla num Card

NAB Rewards Signature Card

QANTAS Qantas Premier Everyday

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 Pla num - Qantas Op on

St.George Bank Amplify Pla num - Rewards Op on

Credit Cards Star Ratings 2019 - Page 48Report Date: April, 2019

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 Signature - Qantas Op on

St.George Bank Amplify Signature - 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 - Qantas Op on

Ci Pres ge Card - Rewards Op on

Ci Signature Credit Card

Ci Signature Qantas Credit Card

Commonwealth Bank Standard Awards  - Qantas Op on

Commonwealth Bank Standard Awards  - Rewards Op on

IMB Pla num Mastercard

NAB Qantas Rewards Card

St.George Bank Amplify Classic - Rewards Op on

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

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Rewards Op on

ANZ Frequent Flyer

Coles Low Rate Mastercard

Coles No Annual Fee Mastercard

Jetstar Mastercard - Qantas Op on

Credit Cards Star Ratings 2019 - Page 49Report Date: April, 2019

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 Qantas Ul mate Card

American Express Velocity Pla num Card

Diners Club Australia Personal Dual Card

QANTAS Qantas Premier Pla num

American Express David Jones Card - Rewards Op on

American Express Pla num Edge Credit Card

American Express Qantas Premium Card

ANZ Frequent Flyer Black

Coles Rewards Mastercard

NAB Qantas Rewards Signature Card

NAB Rewards Signature Card

St.George Bank Amplify Signature - Qantas Op on

Virgin Money Velocity High Flyer Card

Westpac Al tude Black - Qantas Op on

Credit Cards Star Ratings 2019 - Page 50Report Date: April, 2019

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

American Express Essen al Credit Card

American Express Qantas Discovery Card

American Express Velocity Escape Card

ANZ Frequent Flyer Pla num

ANZ Rewards Black

ANZ Rewards Travel Adventures Card

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 Diamond Awards  - Rewards Op on

Commonwealth Bank Pla num Awards  - Rewards Op on

Diners Club Australia Frequent Flyer Dual Card

Diners Club Australia Frequent Flyers Club Card

Diners Club Australia Personal 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 Rewards Classic Card

NAB Rewards Pla num Card

QANTAS Qantas Premier Everyday

RACQ Bank Pla num Rewards Mastercard

St.George Bank Amplify Pla num - Qantas Op on

Credit Cards Star Ratings 2019 - Page 51Report Date: April, 2019

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 Pla num - Rewards Op on

St.George Bank Amplify Signature - Rewards Op on

Virgin Money Velocity Flyer Card

Westpac Al tude Black - Rewards Op on

Westpac Al tude Pla num - Qantas Op on

Woolworths Qantas Pla num Credit Card

ANZ Rewards

ANZ Rewards Pla num

Auswide Bank Pla num Rewards Mastercard

Bankwest Qantas Classic Mastercard

Ci Pla num Credit Card

Coles No Annual Fee Mastercard

Commonwealth Bank Standard Awards  - Rewards Op on

IMB Pla num Mastercard

NAB Qantas Rewards Card

NAB Qantas Rewards Premium Card

Qudos Bank Visa Pla num Credit Card

St.George Bank Amplify Classic - Qantas Op on

St.George Bank Amplify Classic - Rewards Op on

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

Westpac Al tude Pla num - Rewards Op on

ANZ Frequent Flyer

Coles Low Rate Mastercard

Commonwealth Bank Standard Awards  - Qantas Op on

Jetstar Mastercard - Qantas Op on

Credit Cards Star Ratings 2019 - Page 52Report Date: April, 2019

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