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The best* credit cards to earn Qantas Frequent Flyer Points

Information verified correct on December 11th, 2016

Earn up to 75,000 bonus points, maximise your Qantas Points and redeem rewards faster with the best* credit cards for earning Qantas Frequent Flyer Points.

There isn’t one best* credit card to earn Qantas Points with per se, but you can try to find the right card for you. Use this guide to compare a range of cards based on their earn rates, bonus points offers, interest rates and fees to see which card matches your spending habits, financial situation and rewards goals.

ANZ Frequent Flyer

Qantas Frequent Flyer Credit Card Offer

Receive 25,000 bonus Qantas Points when you apply online and meet the minimum spend criteria plus enjoy a waived annual fee for the first year.

  • $0 p.a. annual fee for the first year ($95 p.a. thereafter) annual fee
  • 19.99% p.a. on purchases
  • Cash Advance Rate of 21.49% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $15,000 p.a.

Compare Qantas Frequent Flyer Credit Cards

Rates last updated December 11th, 2016.

American Express Qantas Ultimate Card

New offer of 100,000 bonus Qantas Points + extended 0% for 12 months BT offer until 30 January 2017

November 15th, 2016

ANZ Frequent Flyer Platinum

50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

November 29th, 2016

ANZ Frequent Flyer

25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
NAB Qantas Rewards Premium Card - Exclusive Offer
75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
15,000 bonus points 0.5 1 $95 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 $249 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
100,000 bonus points 0 1 $450 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Westpac Altitude Black - Exclusive Offer
100,000 bonus points 1.25 3 $395 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
St.George Amplify Platinum - Amplify Qantas
30,000 bonus points 0.5 0 $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info

How to find the best* credit card for earning Qantas Frequent Flyer points

When comparing Qantas Frequent Flyer credit cards, it’s important to consider the following factors:

  • Direct or indirect earn card. There are two types of credit cards you can use when it comes to earning Qantas points:
    • Direct earn Qantas Frequent Flyer credit cards are directly linked to your Qantas membership account, such that you automatically earn Qantas points as you spend, with points credited periodically.
    • Indirect earn credit cards usually let you earn points with your card provider’s rewards program first. You can then manually convert these into Qantas points and transfer them to your Qantas membership account later. Learn more about converting rewards points to Qantas points in our guide to transferring frequent flyer points.

choosing a credit cardDepending on your needs, you may prefer one to the other. For instance, you’d choose a direct earn credit card if your sole wish was to acquire Qantas points. You may, however, prefer an indirect earn credit card if you’d like the option of redeeming other rewards and don’t mind the inconvenience of having to convert and transfer your points to Qantas when necessary.

  • Earn rate per dollar. A card’s earn rate is simply the number of points you receive for every dollar spent on eligible purchases. When comparing earn rates, do note that a card may charge a higher annual fee for a better earn rate. You should always consider if a card’s fees are worth its earn rate in the context of how much you are likely to spend in a year and how many points that would earn you.
  • Bonus sign-up offers. The introductory bonus offer is an attractive “freebie” that credit card providers use to entice you to their card. This is a one-off promotion that new cardholders are entitled to, usually framed as a bonus points giveaway if you fulfill certain requirements within a certain amount of time. For example, earn 70,000 Qantas points if you make your first eligible purchase within three months of card approval.
  • Points limitations. Your ability to earn points could be limited in one of two ways:
    • Capping is when your credit card imposes an upper limit on the number of frequent flyer points you can earn within a period. For example, you can only earn a maximum of 50,000 Qantas points in a year, or you can earn two Qantas points per $1 spent up to 6,000 Qantas points a month (after which you only earn one point per $1).
    • Expiry automatically happens after your Qantas Frequent Flyer account experiences 18 months of inactivity. However, this won’t happen as long as you continue to use any credit card linked to your Qantas Frequent Flyer account, as you only need to earn one point in order for your account to stay active.
  • Interest rates. As always, a credit card’s interest rate plays a huge part in determining its suitability for you. If you are not one to carry an outstanding balance, this may be less of a consideration. Otherwise, lower is always better since you don’t want to be accruing debt in the form of interest just to earn frequent flyer points.
  • Annual fee. Some cards come with zero annual fees but lack the benefits you may wish for. High annual fees usually accompany premium features such as a higher earn rate, complimentary travel insurance, airport lounge access and more. When deciding on a card, you may wish to do some simple calculations to see if the card’s annual fee is worth the benefits you’ll derive from it. Unfortunately, intangible benefits like airport lounge access and personal courier services may be difficult to measure against dollars and cents.
  • Other fees. Do thorough research and consider the other fees you may incur with your chosen credit card. Fees you may encounter include a joining fee, administrative or account fees and even ATM fees when it comes to withdrawing cash. Accumulated miscellaneous fees tend to outweigh the benefits of a card, so it is wise to know what you might be paying for.
  • Extra features. As mentioned above, some cards come with more frills than others. Premium services such as travel and medical insurance benefits, airport lounge access, personal concierge services and more usually cost more in the way of annual fees. Carefully consider if these are perks you’ll use and if they justify the higher card cost.

Other factors to consider

Since there’s no perfect credit card that will satisfy everyone’s needs across the board, you should consider your own habits and preferences when choosing your card:

  • How much do I spend on my card?

This is a highly pertinent question, because your expenditure determines when you will break even by earning enough frequent flyer points to offset your annual fee.

How much does Angela need to spend to be rewarded?

girl with credit card and laptopAngela got a credit card with a $200 annual fee so that she could earn Qantas points at a rate of two points per $1 spent. She wants to earn enough points for an Economy flight from Sydney to Tokyo. According to our Qantas Frequent Flyer Points Analysis, this fight redemption values one Qantas point at about 0.757 cents (given that the $512 flight costs 67,600 Qantas points). This means that Angela needs to earn at least 26,420 Qantas points to break even, which equates to spending above $13,210 in the year.

If you’re a low spender, it may be advisable to get a card with zero or low annual fees, as  it would be hard for you to earn enough rewards points to justify the cost of your card. It does also depend on how and when you use your rewards points, as different rewards are priced to value your Qantas points very differently.

How to get the most value out of your Qantas Frequent Flyer points

  • Are my purchases eligible purchases?

Make sure that you’re considering only eligible purchases when making your preliminary cost-benefit calculations. Not all transactions earn you rewards or frequent flyer points, and these commonly don’t:

    • Cash advances. You don’t earn Qantas points or rewards points on ATM withdrawals, cashouts or gambling transactions.
    • Credit card repayments or fees. You can’t earn points for paying off your credit card balances or credit card fees.
    • Balance transfers. Transferring a loan balance isn’t eligible for earning points.
    • Government charges. Government charges such as stamp duty and fines are not eligible purchases either.
  • Is Qantas my primary airline of choice?

This may be the most important question to ask yourself. There is no incentive or reason to be earning Qantas points if you prefer a different airline. Expand your options by comparing other Frequent Flyer Credit Cards if that’s the case.

When comparing options, it’s useful to bear in mind your own needs and spending habits. This way, you won’t be swayed by less relevant factors and can effectively pick the right Qantas Frequent Flyer credit card for you.

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Sally McMullen

Sally McMullen is a journalist at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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56 Responses to The best* credit cards to earn Qantas Frequent Flyer Points

  1. Default Gravatar
    Nick | November 28, 2016

    Which credit card allows uncapped earnings of 1 Qantas point for every $ spend?

    Most cards seem to have a $2,500 threshold after which you earl less than 1 point per $.

    • Staff
      Anndy | November 28, 2016

      Hi Nick,

      Thanks for your question.

      Please refer to this page to check and compare credit cards with no Qantas points capping.

      Cheers,
      Anndy

  2. Default Gravatar
    robert | November 8, 2016

    Hi. Just wondering with Qantas money. Does anyone recommend this?

    • Staff
      May | November 8, 2016

      Hi Robert,

      Thank you for getting in touch.

      If you could please clarify your question further, we’ll be happy to assist you.

      Meanwhile, please note that the Qantas points you earn using your credit card do not have monetary value, instead, they can be redeemed for flight tickets and shopping items.

      Cheers,
      May

  3. Default Gravatar
    | October 21, 2016

    Which is the best card to earn Qantas points on ATO spend? Is it ANZ Black, Westpac Altitude Black or any others?
    Also which card is the best for earning Qantas points on overseas usage? Amplify or others?

    • Staff
      Jason | November 3, 2016

      Hi Gupgup.

      Thank you for your inquiry.

      Please check out this link for comparison of credit cards that can earn reward points while paying your tax bill. You can also check out this comprehensive guide to credit cards that can earn frequent flyer rewards points and how to earn them while travelling or shopping overseas.

      I hope this helps.

      Cheers,
      Jason

  4. Default Gravatar
    | July 13, 2016

    which qantas visa card gives:
    travel insurance for card holder at 83 years old?
    gives frequent flyer points on paying government charges eg. income tax?

    • Staff
      May | July 15, 2016

      Hi Robin,

      Thanks for your question.

      Most insurance companies that are partners of credit card issuers offer CC complimentary travel insurance for cardholders and their dependents provided that they are under 80 years old. On this page, you can find information whether or not your card’s complimentary travel insurance covers 80 years olds and above.

      As for the credit card that lets you earn Qantas frequent flyer points while paying government taxes, please feel free to check this page.

      I hope this has helped.

      Cheers,
      May

  5. Default Gravatar
    Eva | November 10, 2015

    I spend about $45,000 on my current Woolworth Qantas Credit Card.
    In a month’s time it won’t be linked any longer to Qantas Frequent Flyer points.

    Could you advise me which card would be most suitable for me.
    I’m looking for one that has a high cap level, a rate of 1 Frequent flyer point for every dollar spent and one that doesn’t cost a fortune, say around $ 90 to a $ 115 annual fee.

    Looking forward to hearing from you,

    EVa

    • Staff
      Jonathan | November 11, 2015

      Hi Eva, thanks for your inquiry!

      The comparison table on this page will allow you to compare Frequent Flyer points based on bonus points, reward points per $1 spent and annual fees.

      Cheers,

      Jonathan

  6. Default Gravatar
    | August 15, 2015

    I have just started a new business and looking 4 a credit card and bank who will give me one I can keep my business and bring my wife back from the Philippines

    • Staff
      Jonathan | August 17, 2015

      Hi Robert, thanks for your inquiry!

      Please refer the following link for a comparison and list of Business credit cards.

      Cheers,

      Jonathan

  7. Default Gravatar
    Veronica | June 11, 2015

    I would like to know how many points do I have?

    • Staff
      Jonathan | June 11, 2015

      Hi Veronica, thanks for your inquiry!

      To allow me to assist you further could you inform us to which frequent flyer’s program you are a member of please?

      Cheers,

      Jonathan

  8. Default Gravatar
    Bob | June 10, 2015

    How come you tell me to look up qantaspoints.com/autorewardsupdate
    and this other screen and rubbish come into view. All I want to do is update my email address.

    • Staff
      sally.mcmullen@hiveempire.com | June 11, 2015

      Hi Bob,

      Just to confirm, you have come through to finder.com.au, not Qantas Frequent Flyer.

      You should be able to update your profile (including your email address) via the Qantas Points website under the ‘Your Account’ tab. You’ll need your Membership number, last name and PIN to login though. I’ve sent the link to you via email.

      If you’re still experiencing trouble, you may wish to contact the Qantas Frequent Flyer Customer Service team directly to update your contact details.

      I hope this has answered your question.

      Thanks,

      Sally

  9. Default Gravatar
    Diane | March 19, 2015

    is there any difference between qantas points and qantas frequent flyer points?

    • Staff
      Jonathan | March 20, 2015

      Hi Diane, thanks for your inquiry!

      Qantas Points and Qantas Frequent Flyer points are the same product. Please refer to this page for more information on the Qantas Frequent Flyers program.

      Cheers,

      Jonathan

  10. Default Gravatar
    Alex | February 26, 2015

    Hi!

    Can you please tell me what is the best card to get the maximum QFF points for ATO payments. I need to pay $40,000.00 in preferably 1 transaction.

    Many thanks

    • Staff
      Jonathan | February 26, 2015

      Hi Alex, thanks for your inquiry!

      At the moment American Express is the only credit card issuer whose terms and conditions state that you can earn points by paying tax in the Australian market, given that you don’t use BPAY. Please see this page for a list of cards that can earn you frequent flyers points by paying your tax bill by credit card.

      Cheers,

      Jonathan

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