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GOLD WINNERS BANK HSBC NON-BANK AMERICAN EXPRESS Go shopping in the first month to make the most of a winner’s generosity

Non-banks are strong in rewards-based credit cards, though reward chasers need to be sure their card is paid off in full each month to avoid high interest charges.

Amex’s David Jones Card has risen from second place in 2018 by offering some serious bang for your buck. It helps if you’re a fan of retailer David Jones, though it’s not essential.

Cardholders receive 20,000 membership reward points (or 15,000 Qantas points) when they spend three times outside of David Jones within the first month. Thereafter, earn three reward points per $1 spent at major supermarkets and petrol stations, or two points per $1 at David Jones and one point per $1 everywhere else. Save with complimentary standard delivery for items purchased with the card instore or online at David Jones. You will need to have an annual income of at least $40,000 to be eligible for the card.

The Latitude Infinity Card lets you earn one point for every $1 you spend, with points that are never capped and never expire.