The Suncorp Clear Options Platinum is an improvement on the Gold, but mostly due to the improved Qantas Frequent Flyer earn rate. For this interest rate and annual fee, there are far better reward programs.

Our mums taught us if we didn't have anything nice to say we shouldn't say anything at all, but our editor didn't like it when we submitted a blank piece of paper.

The Westpac Earth Platinum offers incremental improvements on existing features, but nothing new. Unless you're planning overseas trips longer than 3 months, the Earth Gold is better value.

While the included travel insurance is good, it's too little, too late for the ANZ Frequent Flyer range. It simply doesn't stack up to the American Express, NAB Qantas or Westpac Earth travel cards.

You'll need to be a savant to keep track of how many reward points you're earning, but the NAB Qantas Gold is a solid mid-range Frequent Flyer card.

There's no great impetus to select the ANZ Frequent Flyer Visa Gold over the standard Frequent Flyer Visa. The increased annual fee delivers almost exactly proportional value.

While Westpac do their best to convince you otherwise, the Westpac Earth has nothing to do with environmentalism, but it's still an OK mid-range card.

The Commonwealth Bank Awards is a good mid-range card with a low annual fee and a cash back rewards option. As long as you intend to spend $228 a week or more on the Amex or $342 or more on the Mastercard, the annual fee will pay for itself.

Every traveller should consider the American Express Qantas Ultimate, if not for the rewards program, then for the travel inconvenience insurance and complimentary international travel insurance.

There are small African nations with a GDP less than the annual fee of this card. But if you can move past that, it offers an excellent range of features.

The American Express Qantas Premium has almost every imaginable travel feature. If you're going overseas and are looking for a credit card, this may be a cheaper option than purchasing travel insurance separately.

The Citibusiness Gold is a solid card with an above-average rewards program that's sure to be popular with many small business owners.

The Citibank Silver is a card with an identity crisis. It has the annual fee of an entry level card, the interest rate of a platinum and the features of a mid-range card. Sadly, there are more targeted options which will better suit most consumers.

The Citibank Gold is a good mid-range card offering a broad set of features and services. However, the annual fee and interest rate are correspondingly high.

The Citibank Platinum is a card that offers all the features you'd expect from a platinum card - and you pay for them. Worth it if you're after a balance transfer deal, or if you're one of those people who pay off their balance in full each month and never use the card for cash advances.

The ANZ Frequent Flyer Visa is great for anyone looking for an accessible rewards program that will deliver benefits quickly, but if you're after something more practical, there are more suitable mid-range cards.

ANZ Balance Visa is a good all-round card, offering a unique cashback rewards program and a low interest rate on purchases. Like many cards, the cash rate is high, but the card generally stacks up very well against its competition.