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Best of the Best 2017: Best Rewards Credit Cards

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GOLD WINNERS: HSBC (BANK), COLES (NON-BANK)

The best rewards credit cards from the non-banks offer the most bang for your buck.

The Coles Rewards MasterCard takes top spot with a return of just over $238. You earn two points towards flybuys for every $1 you spend on the card.

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You can use flybuys for a range of rewards, including gift cards and products from the flybuys "store". You can get $10 off your Coles supermarket shop instantly at the checkout with 2000 flybuys points.

An interesting feature of this card is the fact that you'll pay no international transaction fees on purchases when you shop online or are overseas.

With bank winner HSBC you earn one reward point for every $1 you spend on eligible purchases.

Points can be used for a range of merchandise, gift cards and experiences or converted to Velocity points. The card also has complimentary insurance benefits.

Read more from Best of the Best or grab the December issue of Money for full coverage.

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