澳洲主要银行正在大幅调整信用卡奖励计划，以应对即将到来的交易费率下降。1这些变化发生在2024年7月，距离交易费率新规生效还有数月时间。1
澳新银行(ANZ)率先做出调整，其Frequent Flyer Black Card的注册奖励积分从130,000 Qantas积分下调至80,000 Qantas积分，同时将最低消费要求从前三个月5,000元提升至6,000元，并取消了200元的现金返还。1ANZ旗下的Frequent Flyer Platinum Card同样遭遇调整，注册奖励从75,000积分降至40,000积分，最低消费要求也从2,500元上升至3,500元。1
国家银行(NAB)的改革幅度更大。1其Qantas Rewards Premium Card的积分兑换率大幅下滑，前3,000元月度消费的兑换率从1点兑1.50元恶化至1点兑2元。1NAB Rewards Card则从无上限结构改为分级制：前5,000元月度消费为1.25点每元，之后为0.5点每元，月度消费上限也从20,000元降至15,000元。1此外，NAB将Rewards Travel Card的收费结构从月费35元改为年费395元，并取消了月费豁免。1NAB购买利率和预支现金利率也随之上升至22.49%和22.99%。1
西太平洋银行(Westpac)则缩小了其Altitude卡的旅行保险范围，免费国际旅行保险现仅涵盖医疗、国内旅行和租车保险，而行程取消、延误和行李保障则被取消。1
这些调整的根本原因是交易费率(手续费)将从0.8%削减至0.3%，自2026年10月1日起生效。1
Australia's major banks are significantly reducing rewards and benefits on premium credit cards before a new interchange fee cap takes effect in October 2026, driven by anticipated revenue declines from the swipe fee reduction. 1
ANZ has cut sign-up bonuses on its Frequent Flyer Black Card from 130,000 to 80,000 Qantas points, while simultaneously raising the minimum spending requirement from A$5,000 to A$6,000 over the first three months and eliminating a A$200 cash rebate. 1 The bank's Frequent Flyer Platinum Card sign-up bonus dropped from 75,000 to 40,000 points, with the minimum spending threshold increasing from A$2,500 to A$3,500. 1
NAB has restructured its rewards programs more drastically, reducing the points redemption rate on its Qantas Rewards Premium Card from 1 point per A$1.50 to 1 point per A$2 for the first A$3,000 in monthly spending. 1 The bank also capped monthly rewards on its standard Rewards Card at A$15,000 (down from A$20,000), introducing tiered earning that awards 1.25 points per dollar on the first A$5,000 of monthly charges and 0.5 points thereafter. 1 Additionally, NAB raised purchase and cash advance interest rates to 22.49 percent and 22.99 percent respectively, and converted the Rewards Travel Card from a A$35 monthly fee to a A$395 annual fee with the elimination of monthly fee waivers. 1
Westpac has narrowed the coverage of complimentary travel insurance on its Altitude card, restricting benefits to medical expenses, domestic travel protection, and car rental coverage while removing provisions for trip cancellation, delays, and baggage claims. 1 These changes follow the Reserve Bank of Australia's decision to cut interchange fee rates by 63 percent, from 0.8 percent to 0.3 percent, effective October 1, 2026. 1
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