PointMate - AU Loyalty Points

The all-in-one app for Australian loyalty points.

PointMate is an independent loyalty points calculator and comparison tool built for Australia. Calculate what your points are worth in dollars, compare rewards credit cards, and check frequent flyer redemptions — across 17 Australian loyalty programs and 66+ personal rewards credit cards.

Supported programs include Qantas Frequent Flyer, Velocity Frequent Flyer, KrisFlyer, Amex Membership Rewards, Flybuys, Everyday Rewards, Myer One, David Jones, and rewards programs from ANZ, Bankwest, CommBank, NAB, Westpac, HSBC, Bendigo Bank and St.George/BankSA.

No affiliate commissions. No issuer partnerships. Just the numbers.

VALUE — WHAT YOUR POINTS ARE WORTH

What are 10,000 Qantas points worth? Redeemed as a gift card: about $45. Redeemed on an international economy class flight: up to $440. The Value calculator shows the estimated dollar range for any loyalty points balance in any supported program, broken down by redemption type.

FLIGHT — FREQUENT FLYER POINTS VS CASH

A Qantas economy flight to Bali might calculate at 1.6 cents per point. The same points on a flight to Japan? Maybe 3.5 cents. Flight calculates the cents-per-point on any Qantas, Velocity or KrisFlyer booking and shows how it compares to PointMate's benchmark range.

PAY — COMPARE YOUR CARDS ON ANY PURCHASE

PointMate factors in earn rates, card surcharges and the estimated dollar value of points earned to rank your rewards cards by estimated net benefit. Add your cards, set merchant surcharge rates, enter an amount, and see ranked results.

CARDS — BROWSE 66+ REWARDS CREDIT CARDS

Browse, filter and compare major personal Australian rewards credit cards — estimated points value on your typical redemption, bonus points reachability on your monthly spend, annual fees and cancel-by dates.

MORE TOOLS

Portfolio — your total estimated loyalty points value across programs
Goals — months of card spend until a target frequent flyer redemption on Qantas or Velocity
Savings — log the results of your Pay and Flight calculations and track milestones
Bonuses — active transfer bonuses between programs, with uplift and days remaining
Alerts — devaluations, program changes and points expiry rules per program

FREE VS PREMIUM

Free: every feature with capacity limits — Pay (2 cards), Flight (general benchmark range), Value (average rate), Cards (browse and filter), Portfolio (3 programs), Savings (5 logs per month). All data saved between sessions. Ads displayed.

Premium ($4.99/month or $39.99/year): unlimited cards, full redemption-type breakdowns, side-by-side comparison of up to 3 cards, custom card entry, PM Wallet renewal and cancel-by date tracking, unlimited Portfolio and Savings, no ads.

Eligible new subscribers can start with a 1-month free trial — full Premium access, no ads.

INDEPENDENT AND TRANSPARENT

PointMate is built and maintained in Melbourne, Australia. It does not receive commissions, referral fees or any payment from credit card issuers, banks or loyalty programs. Outputs are estimates based on publicly available information and current assumptions.

PointMate is a calculator and comparison tool for general information only. It does not provide financial advice, credit advice or product recommendations. Estimated values may differ from actual outcomes. Check current issuer and loyalty program terms before acting.

Your points deserve a better mate.