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

PointMate is an independent calculator and comparison tool covering Australian loyalty programs and major personal credit cards — including Qantas Frequent Flyer, Velocity Frequent Flyer, Amex Membership Rewards, Flybuys, Everyday Rewards, and every major bank rewards program.

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

PAY

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

FLIGHT

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 booking and shows how it compares to PointMate's benchmark range.

CARDS

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 filter major personal Australian rewards credit cards — from points value based on your typical redemption, to bonus reachability on your monthly spend, to cancel-by dates.

VALUE

10,000 Qantas points redeemed as a gift card: about $45. Redeemed on an international economy class flight: up to $440. Value shows the estimated range for any balance across programs, broken down by how you'd actually use them.

PORTFOLIO

See your total estimated points value across your programs in one place.

GOALS

Enter your monthly card spend and earn rate to see how many months until you earn enough points for any route and cabin class on both Qantas and Velocity.

SAVINGS

Log results from Pay and Flight calculations, plus transfer bonus gains. Track your total logged savings over time with milestone progress.

BONUSES

Check active transfer bonuses between programs, including percentage uplift and days remaining.

ALERTS

Stay across program changes, devaluations, and upcoming events. Check points expiry rules per program.

FREE VS PREMIUM

Free: Access all features 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 breakdowns, side-by-side card comparison, custom card entry, PM Wallet (renewal and cancel-by date tracking), unlimited Portfolio and Savings, no ads.

Start with a 7-day 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 program terms before acting.

Your points deserve a better mate.