Australian banks quietly moved to 18–24-month sign-up-bonus lockouts. Enter your card history — it stays in your browser, we never see it — and see exactly when each issuer's clock reopens for you. Facts and dates only: we don't recommend products, and nothing here is credit assistance.
Stored only in this browser (localStorage). Clear it any time by removing the cards.
Any card issued by Amex Australia · 18 months
No history with this family — the window doesn't apply to you.
Applies to primary cards across the whole Amex AU portfolio. Supplementary cardholders aren't excluded; referral offers still allowed.
source · verified 2026-07-10
ANZ Rewards + ANZ Frequent Flyer (now one pool) · 24 months
No history with this family — the window doesn't apply to you.
Changed May 2025: window extended AND the two families merged — an ANZ FF card now locks you out of ANZ Rewards bonuses and vice versa.
source · verified 2026-07-10
Bankwest cards · 24 months
No history with this family — the window doesn't apply to you.
source · verified 2026-07-10
Awards family · 18 months
No history with this family — the window doesn't apply to you.
Increased 12→18 in late 2024.
source · verified 2026-07-10
HSBC cards (general) · 12 months
No history with this family — the window doesn't apply to you.
The Star Alliance card is its own separate family — tracked below.
source · verified 2026-07-10
Star Alliance credit card (separate family) · 18 months
No history with this family — the window doesn't apply to you.
Family-separate from other HSBC cards — holding a general HSBC card doesn't block this one, and vice versa.
source · verified 2026-07-10
NAB Rewards family · 18–24 months (sources conflict) ⚠
No history with this family — the window doesn't apply to you.
Sources conflict: AFF's table says 18 months; current NAB Rewards offer T&Cs say 24. Treat the specific offer's T&Cs as canonical.
source · verified 2026-07-10
NAB Qantas Rewards family · 18 months
No history with this family — the window doesn't apply to you.
Treated separately from NAB Rewards — the families don't cross-exclude.
source · verified 2026-07-10
Qantas Premier family · 12 months
No history with this family — the window doesn't apply to you.
The shortest standing window among points issuers.
source · verified 2026-07-10
Amplify family (all three brands — same Westpac products) · 24 months
No history with this family — the window doesn't apply to you.
Holding an Amplify card at any of the three brands counts against all of them.
source · verified 2026-07-10
Virgin Money cards · no standing window ⚠
You hold nothing here and only current holders are excluded.
Excludes current cardholders (including upgrades) rather than past ones — unusually lenient for churners.
source · verified 2026-07-10
Altitude / Earth family · 24 months
No history with this family — the window doesn't apply to you.
Stepped 12→18 in Feb 2025, then again to 24. The long-window era is here.
source · verified 2026-07-10
Citi-issued cards · no standing window ⚠
No standing exclusion window — every offer sets its own terms. Read the specific offer's T&Cs before applying.
No advertised standing window, but approval-level rejections are reported. Read each offer's T&Cs.
source · verified 2026-07-10