Don’t ignore those sign-up bonus points offered by banks on Credit Cards. You can see them as effectively being paid to hold a Credit Card. Plus you get to use the Credit Card as normal and use all their features as normal!
The AMEX Velocity Platinum currently has a sign-up bonus giving you 100k Velocity Points if you apply by 31 July 2017. This is enough for $550 of Coles Gift Cards, or 12x SYD-MEL, SYD-BNE one-way flights on Virgin Australia!