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What is the best credit card for Qantas Frequent Flyer Points?
With so many competitive cards on the market, there isn't one best credit card for earning Qantas Points. Instead, you can find a Qantas credit card that works for you based on your frequent flyer goals. If you want to get thousands of Qantas Points in one go, for example, you could compare cards with introductory bonus point offers. Or, if you want to boost your frequent flyer balance without paying extra, a no annual fee Qantas credit card might be a better option. There are also Qantas cards that offer other perks, such as flight vouchers, airport lounge access and complimentary travel insurance.
Use this guide to compare frequent flyer credit cards, including the latest offers and deals. We also look at different features you can consider to help you find the best Qantas credit card for your spending habits and needs.
4 of the best* frequent flyer credit cards to earn Qantas Points
Compare credit cards with competitive bonus Qantas Points offers and earn rates available through Finder below:
Qantas Premier Platinum. Offers up to 100,000 bonus Qantas Points when you meet the spend requirements and 2 complimentary Qantas Club lounge passes each year.
NAB Qantas Rewards Signature Card. Get 130,000 bonus Qantas Points when you meet the spend requirements and earns up to 1 Qantas Point per $1 spent.
HSBC Platinum Qantas Card. Offers 20,000 bonus Qantas Points when you meet the spend requirement and up to 1 point per $1 spent.
How can I 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:
How points are earned. There are two main ways you can earn Qantas Points with a credit card:
Direct earning cards. These Qantas Frequent Flyer credit cards automatically earn Qantas Points as you spend, then deposit them into your frequent flyer account periodically (usually at the end of each statement period).
Cards that let you opt-in to earn Qantas Points. Some reward cards give you the option of earning Qantas Points instead of credit card reward points. Often, you'll pay a yearly fee for choosing the Qantas rewards option on one of these cards. You may also earn a different number of Qantas Points per $1 spent compared to those offered if you stick with earning points through the credit card rewards program. A very small number of cards also allow you to earn reward points that you can transfer to your Qantas Frequent Flyer account, such as the American Express Platinum charge card and the Westpac Altitude Business Platinum. These cards tend to be premium options but, if you can get approved for one, you'll also have more flexibility with how you use your points – and may enjoy periodic transfer bonuses when you move points to your Qantas Frequent Flyer account.
Bonus point offers. These introductory offers can give you thousands of Qantas Points when you get a new card and meet certain requirements. For example, you could earn 70,000 bonus Qantas Points if you're a new cardholder and spend $3,000 within 3 months of card approval.
Points per $1 spent. Also known as an earn rate, this is how many Qantas Points you'll earn when you make eligible purchases. When comparing earn rates, note that a card may charge a higher annual fee for a higher earn rate. You should always consider if a card's fees are worth its earn rate based on how much you think you'll spend in a year and how many points you would earn.
Points capping. Some cards limit how many points cardholders can earn per $1 spent beyond a spend threshold each statement period. For example, a card might earn a maximum of 50,000 Qantas Points in a year or 2 Qantas points per $1 spent up to 6,000 Qantas Points per month (and 1 point per $1 for the rest of the month).
Interest rates. Frequent flyer credit cards are best suited to people who regularly pay their balance in full each month and avoid interest. This is because these cards usually charge high interest rates, which will quickly outweigh the value of your frequent flyer points.
Annual fee. Although some Qantas cards charge $0 annual fee, the cards with the most competitive bonus points offers and features usually have higher annual fees. Make sure that the value of the points you're earning and the features you can take advantage of (such as airport lounge passes and flight credits) justify the annual fee.
Extra features. Cards that offer premium perks such as airport lounge passes, travel insurance, personal concierge services or travel credit usually have higher annual fees compared to cards with fewer features. Carefully consider if these are extras you’ll use and if they justify the higher card cost.
What should I ask before applying for a credit card that earns Qantas Points?
Since there’s no perfect credit card that will satisfy everyone’s needs, you should consider your own habits and preferences when choosing your card:
How much do I spend on my card?
Consider how much you usually spend with your credit card every month or year. This will help you determine if you can meet the spend requirements to earn bonus points or whether any points caps will restrict your earning potential. It can also help you determine how many points you could earn, what you could redeem with the points and whether that would outweigh the cost of the card's annual fee.
Example: How many Qantas Points would you need to earn to offset a credit card's annual fee?
Let's say you've got a Qantas Frequent Flyer credit card with a $300 annual fee. Based on our Qantas Frequent Flyer Points analysis, you could balance out the card's annual fee by earning 16,000 Qantas Points and redeeming them for a return flight from Sydney to Melbourne (valued at an average of $321).
The amount you'd need to spend on your card would vary depending on the earn rate. If your card offered 1 Qantas Point per $1 spent, you'd need to make $16,000 worth of eligible purchases within a year to offset the annual fee. This works out to be around $1,333 per month in credit card spending. On a card with a lower earn rate of, say 0.5 Qantas Points per $1, you'd need to spend $32,000 per year, or around $2,666 per month to earn enough points for this reward flight.
Keep in mind that the value of your Qantas Points varies depending on how you redeem them, which can also affect the value you get from your credit card. But the bottom line is that if you don't spend a lot, it will be harder for you to earn enough rewards points to justify an annual fee.
What credit card purchases earn Qantas Points?
Make sure that you’re considering only eligible purchases when making your preliminary cost-benefit calculations. Eligible purchases usually cover your everyday spending, such as groceries, petrol, dining and travel bookings. However, transactions that aren't eligible to earn Qantas Points usually include the following:
Cash advances. You won’t earn Qantas Points or reward points on ATM withdrawals, cashouts or gambling transactions.
Credit card repayments or fees. You won't earn points for paying off your credit card balances or credit card fees.
Balance transfers. Some frequent flyer cards offer 0% balance transfer deals, but these transfers and balance transfer repayments don't earn points.
Government charges. Most cards don't allow you to earn points on government charges such as Australian Taxation Office (ATO) payments, stamp duty and fines. If you want to earn points on these types of payments, start by checking out these cards that earn points for ATO payments, as many of them also offer points for other government charges.
BPAY payments. Most lenders won't allow you to earn points for payments made through BPAY.
Check your credit card's reward program terms and conditions or call your provider to find out exactly what types of transactions won't earn points.
This may be the most important question to ask yourself. There is no incentive or reason to earn Qantas Points with a credit card if you prefer a different airline or frequent flyer program. If that's the case, you can compare other frequent flyer credit cards to find one that will work for you.
When comparing your options, 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.
Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
Hi! I am trying to find a credit card where the monthly points earned are not capped and are minimum $1 spend = 1 Qantas point is there such a card? Thanks
You may want to check ANZ Frequent Flyer Black Credit Card. It offers 1 Qantas Point per $1 spent on eligible purchases up to 7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period, uncapped. You can also earn 1 additional point per $1 spent on selected Qantas products and services.
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Yes, having Qantas linked Visa card would allow you to earn points. However, there are other ways to earn points as well. On this page, you will learn the 22 ways to earn more Qantas Points.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
I want a credit card linked to my Qantas frequent-flier account that will give me one dollar for every point spent. I currently pay $75 per annum and I’m looking for a fee like this. I do not want points capped per month . Could you recommend the best card please.
I understand that you want a credit card that earns Qantas Frequent Flyer points. You can actually see these cards listed above. While all the cards listed above can let you earn Qantas points per dollar spent, only the Qantas American Express Discovery Card offers uncapping of points. In addition, you can also earn an additional 1 Qantas Point per $1 when you spend on selected Qantas products and services in Australia.
Some banks will say you can’t get the bonus points if you had a product from the same bank. However, some banks appear to be the same bank, under different names. St. George and Bank SA operate under different names, but are not different companies. If you have a card from one, will you still get the sign-up points from the other?
It is best to check fine prints or PDS before submitting your credit card application to make sure that you’re eligible for the signup bonus or not. For example, with this BankSA Amplify Signature – Qantas credit card, existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for the Amplify Qantas Bonus Points offer.
Can I pay bills using one of the credit cards. Eg I have an account at a hardware shop which I pay by eft. Can I do an eft from a credit card to pay a bill. I don’t want to ring them and give my credit card details. Thanks
There are a couple of ways to pay your bills using your credit card. You can either arrange for direct debits and one-off payments to do this.
Find out everything you need to know before deciding whether to pay your bills on plastic, please check our guide by clicking on this link.
Please note that not all billers accept credit card payments, and some may limit the type of cards that they accept. As a result, some payment options may not be available with a credit card, such as BPAY or POLi. This depends on your card, as well as how the payment service is set up.
Hi, I would like to get a credit card with no annual fee, to link to my offset account with Westpac that would earn me Qantas frequent flyer points. Is there any way of doing this? I can see Westpac does not have a link with off.
Thanks for your inquiry. Please note that we are not affiliated with Westpac or any company we feature on our site and so we can only offer you general advice.
You can also have a look at this page and compare your options for no annual fee credit card with rewards.
Please contact Westpac directly if they have options for you on what card you can link to your offset account.
I am currently with NAB and have the NAB Platinum AMEX and VISA. I spend about $7,000 a month with about $5,000 on AMEX and $2,000 on visa. With the changes to NAB Rewards, I am unsure the $250 bucks a year fee is worth it.
You can read our full guide about the 2017 rewards card changes and see which one would work for you.
Should you be interested for a balance transfer, you can also get them right here. Click “Go to Site” green button of your chosen card to proceed with your application.
I signed up for a Citibank Prestige card because of the extra points I could earn but now I’ve heard that they are reducing it significantly. I read somewhere it is getting harder to earn points with all the cards very soon. Is it worth changing?
Your personal circumstance and other preferences usually determine your decision which card to use, let alone keep. You may take a look at the summary for the changes bank will implement on their rewards program this year.
WE have also created a page for the changes of credit card usage that will happen.
Thanks for reaching out to us. Please note that we are not affiliated with Qantas or any company we feature on our site and so we can only offer a general advice.
For Qantas Frequent Flyer Credit Cards, you can use this guide to understand how the cards work, for tips to compare Qantas credit cards and everything you need to know to get the most out of your frequent flyer credit card and rewards. You can also check out Qantas Card on this page which you can also earn Qantas Frequent Flyer points as you spend.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
* The credit card offers compared on this page are chosen from a range of credit
cards finder.com.au has access to track details from and is not representative
of all the products available in the market. Products are displayed in no particular
order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are
subject to our disclaimer.
You should consider seeking independent financial advice and consider your own
personal financial circumstances when comparing cards.
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Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
When comparing Qantas Frequent Flyer credit cards, it’s important to consider the following factors:
Hi! I am trying to find a credit card where the monthly points earned are not capped and are minimum $1 spend = 1 Qantas point is there such a card? Thanks
Hi Michael,
Thank you for reaching out.
You may want to check ANZ Frequent Flyer Black Credit Card. It offers 1 Qantas Point per $1 spent on eligible purchases up to 7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period, uncapped. You can also earn 1 additional point per $1 spent on selected Qantas products and services.
Hope this helps! 😊
Kind Regards,
Mai
Do I need a Qantas linked Visa card to earn points?
Hi Rowan,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Yes, having Qantas linked Visa card would allow you to earn points. However, there are other ways to earn points as well. On this page, you will learn the 22 ways to earn more Qantas Points.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I want a credit card linked to my Qantas frequent-flier account that will give me one dollar for every point spent. I currently pay $75 per annum and I’m looking for a fee like this. I do not want points capped per month . Could you recommend the best card please.
Hi Kerry,
Thank you for your comment.
I understand that you want a credit card that earns Qantas Frequent Flyer points. You can actually see these cards listed above. While all the cards listed above can let you earn Qantas points per dollar spent, only the Qantas American Express Discovery Card offers uncapping of points. In addition, you can also earn an additional 1 Qantas Point per $1 when you spend on selected Qantas products and services in Australia.
Regards,
Jhezelyn
Some banks will say you can’t get the bonus points if you had a product from the same bank. However, some banks appear to be the same bank, under different names. St. George and Bank SA operate under different names, but are not different companies. If you have a card from one, will you still get the sign-up points from the other?
Hi Tom,
Thank you for getting in touch with finder.
It is best to check fine prints or PDS before submitting your credit card application to make sure that you’re eligible for the signup bonus or not. For example, with this BankSA Amplify Signature – Qantas credit card, existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for the Amplify Qantas Bonus Points offer.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Can I pay bills using one of the credit cards. Eg I have an account at a hardware shop which I pay by eft. Can I do an eft from a credit card to pay a bill. I don’t want to ring them and give my credit card details. Thanks
Hi Clare,
Thanks for your inquiry
There are a couple of ways to pay your bills using your credit card. You can either arrange for direct debits and one-off payments to do this.
Find out everything you need to know before deciding whether to pay your bills on plastic, please check our guide by clicking on this link.
Please note that not all billers accept credit card payments, and some may limit the type of cards that they accept. As a result, some payment options may not be available with a credit card, such as BPAY or POLi. This depends on your card, as well as how the payment service is set up.
Hope this information helps
Cheers,
Arnold
Hello
I am looking for a credit card that has bonus qantas points and low international purchase fee
Regards
Will
Hi Will,
Thank you for your inquiry.
As per checking you are already on the right page. You can review the list of offers above.
I hope this information has helped.
Cheers,
Harold
Hi, I would like to get a credit card with no annual fee, to link to my offset account with Westpac that would earn me Qantas frequent flyer points. Is there any way of doing this? I can see Westpac does not have a link with off.
Hi Lorraine,
Thanks for your inquiry. Please note that we are not affiliated with Westpac or any company we feature on our site and so we can only offer you general advice.
You can also have a look at this page and compare your options for no annual fee credit card with rewards.
Please contact Westpac directly if they have options for you on what card you can link to your offset account.
Best regards,
Rench
I am currently with NAB and have the NAB Platinum AMEX and VISA. I spend about $7,000 a month with about $5,000 on AMEX and $2,000 on visa. With the changes to NAB Rewards, I am unsure the $250 bucks a year fee is worth it.
Hi Chris!
You can read our full guide about the 2017 rewards card changes and see which one would work for you.
Should you be interested for a balance transfer, you can also get them right here. Click “Go to Site” green button of your chosen card to proceed with your application.
Hope this helps.
Cheers,
Jonathan
I signed up for a Citibank Prestige card because of the extra points I could earn but now I’ve heard that they are reducing it significantly. I read somewhere it is getting harder to earn points with all the cards very soon. Is it worth changing?
Hi Glen!
Thanks for the comment.
Your personal circumstance and other preferences usually determine your decision which card to use, let alone keep. You may take a look at the summary for the changes bank will implement on their rewards program this year.
WE have also created a page for the changes of credit card usage that will happen.
Hope this helps.
Cheers,
Jonathan
What to you think about the new Qantas credit card? I looked at the T&C, But still not sure. What is the good and bad? Can you help?
Hi Barry,
Thanks for reaching out to us. Please note that we are not affiliated with Qantas or any company we feature on our site and so we can only offer a general advice.
For Qantas Frequent Flyer Credit Cards, you can use this guide to understand how the cards work, for tips to compare Qantas credit cards and everything you need to know to get the most out of your frequent flyer credit card and rewards. You can also check out Qantas Card on this page which you can also earn Qantas Frequent Flyer points as you spend.
Hope this information helped.
Cheers,
Rench