Consumers paying interest on credit cards shouldn’t bother with a rewards scheme, according to the Australian Consumers’ Association magazine, Choice.

A report in Choice Money and Rights found people spending less than $1,000 a month on their credit card were unlikely to benefit from reward programs.

Choice spokeswoman Lisa Tait said while there was some value for disciplined high spenders with a credit card, cards with rewards could have high annual fees.

Choice Money and Rights also found frequent flyer points offered more than three times the value of travel agency and shopping vouchers.

“If you spend $2,000 a month, the annual median value after fees is $64 for shopping and $73 for travel agency vouchers but $233 for frequent flyer points,” Tait said.

“However, you will need to find a seat at the times you want to travel, which can be a problem.”