Fly further with bonus Qantas Points on a new frequent flyer credit card.
Receive 100,000 bonus
Offer ends 6 May 2019
Eligibility criteria, terms and conditions, fees and charges apply
Qantas Frequent Flyer Credit Card Offer
Receive 100,000 bonus Qantas Points when you apply online and meet the minimum spend criteria. Plus, earn up to 2.25 Qantas Points per $1 spent on eligible purchases.
- $450 p.a. annual fee.
- 20.74% p.a. on purchases
- 0% p.a. for 12 months with 1% BT fee on balance transfers
- Up to 44 days interest free
- Minimum income requirement of $65,000 p.a.
Compare Qantas Frequent Flyer credit cards
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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.
The best* credit cards to earn Qantas Points
Compare the bonus point offers, earn rates and annual fees for these Qantas Frequent Flyer credit cards.
- NAB Qantas Rewards Signature Card. Offers 90,000 bonus Qantas Points when you meet the spend requirements and earns up to 1 Qantas Point per $1 spent.
- ANZ Frequent Flyer Black. Enjoy an introductory offer of 100,000 bonus Qantas Points and earn up to 1 point per $1 spent.
- HSBC Platinum Qantas Card. Save with a $0 first year annual fee and earn up to 1 point per $1 on eligible spending.
- Qantas American Express Ultimate Card. Offers you an introductory 100,000 Qantas Points and earns 1.25 points per $1 spent on most everyday purchases.
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, a card could offer you 70,000 Qantas Points if you spend $3,000 within 3 months of card approval.
- Points per $1 spent. Also known as an earn rate, this gives you an idea of how many Qantas Points you'll earn when you make eligible purchases with the card. 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 that would earn you.
- Points capping. This when your credit card imposes an upper limit on the number of frequent flyer points you can earn within a period. For example, a card might state that you can only earn a maximum of 50,000 Qantas Points in a year, or that you'll only earn 2 Qantas points per $1 spent up to 6,000 Qantas Points per month (after which you only earn 1 point per $1 for the rest of the month).
- Interest rates. As always, a credit card’s interest rates plays a huge part in determining its suitability for you. If you usually pay off your full balance by the due date on your statements, this may be less of a consideration. Otherwise, you'll need to decide if the interest charges are worth it. As frequent flyer cards usually have higher rates than some other options, carrying a balance on one of these cards could lead to interest charges that outweigh the value of the points you earn.
- 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 get from it. Unfortunately, intangible benefits like airport lounge access and personal courier services may be difficult to measure against dollars and cents but you can at least think about whether or not you'll actually use these types of perks.
- Other fees. Do thorough research and consider the other fees that may apply on your chosen card. This could include administrative or account fees, overseas transaction fees and even ATM fees when it comes to withdrawing cash. The cost of these fees could outweigh the benefits of a card, so it is wise to know what you might be paying for.
- 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?
This is a really important question, because your spending determines how many frequent flyer points you'll earn. In turn, this helps you work out if or when the value of your points would cover the cost of your 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. Transferring a loan balance isn’t eligible for earning 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.
Is Qantas my favourite airline?
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.Back to top