Frequent Flyer Credit Cards

Earn points for your everyday spending so you can enjoy flights, upgrades and other rewards faster with a frequent flyer credit card.

Frequent flyer credit cards offer you points for every dollar spent, which you can then redeem for flights with selected airlines, upgrades, accommodation and other rewards. You can also enjoy a range of additional features including complimentary travel insurance, bonus points offers, airline lounge access and promotional interest rates.

Use this guide to compare frequent flyer credit cards and learn more about them, including how these cards work, tips for earning and using points, features to compare when you're looking at frequent flyer credit cards and insights to help you choose the right card for you.

Qantas Premier Platinum

Receive 75,000 bonus points
Pay a discounted annual fee of $149 for the first year

Offer ends 31 January 2018

Eligibility criteria, terms and conditions, fees and charges apply

Qantas Money Credit Card Offer

Earn 75,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, enjoy 0% p.a. for 15 months on balance transfers.

  • $149 p.a. annual fee for the first year ($299 p.a. thereafter).
  • 19.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare Frequent Flyer Credit Cards

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Qantas Premier Platinum
75,000 bonus points
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Receive a complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Receive a $129 Virgin Australia Gift Voucher each year, save with up to 44 interest-free days and complimentary international travel insurance.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
ANZ Frequent Flyer Platinum
65,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Collect 75 bonus Status Credits when you meet the spend requirements. Plus, enjoy two complimentary Qantas Club Lounge invitations each year.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
Bendigo Bank Qantas Platinum Mastercard
0.6
19.99% p.a.
$149 p.a.
Earn 0.6 Qantas Points per $1 spent. Plus receive 180 days comprehensive travel insurance and a range of purchase insurance covers.
American Express Velocity Escape Card
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
Qantas American Express Ultimate Card
55,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and two American Express Airport Lounge entries each calendar year.
American Express Explorer Credit Card
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
American Express Essential Credit Card
1
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Receive a $129 Virgin Australia gift voucher when you meet the spend requirements plus 2 Virgin Australia domestic lounge passes per year.
NAB Rewards Signature Card
100,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Take advantage of complimentary travel and purchase insurances, a 24/7 concierge service and up to 44 interest free days.
NAB Qantas Rewards Signature Card
100,000 bonus points
1
19.99% p.a.
$395 p.a.
Earn Qantas Points on your everyday spending, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
American Express Qantas Business Rewards Card
100,000 bonus points
1.25
$450 p.a.
Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.

Compare up to 4 providers

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
100,000 bonus points
1
19.99% p.a.
$395 p.a.
Earn Qantas Points on your everyday spending, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
Qantas Premier Platinum
75,000 bonus points
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly further with 75,000 bonus Qantas points, up to 2 Qantas Points per $1 spent and 2 yearly complimentary Qantas Club lounge invitations.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Receive complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
ANZ Frequent Flyer Platinum
65,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Earn 75 bonus Status Credits when you apply by 24 January 2018, buy and fly return with Qantas by 31 May 2018.
Qantas American Express Ultimate Card
55,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and two American Express Airport Lounge entries each calendar year.
Bendigo Bank Qantas Platinum Mastercard
0.6
19.99% p.a.
$149 p.a.
Earn 0.6 Qantas Points per $1 spent. Plus receive 180 days comprehensive travel insurance and a range of purchase insurance covers.
ANZ Frequent Flyer
25,000 bonus points
0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
David Jones American Express - Qantas Frequent Flyer
15,000 bonus points
0
0.75
20.74% p.a.
$99 p.a.
Fly faster with up to 2.25 Qantas Points per $1 spent and access a range of exclusive, complimentary instore benefits at David Jones.
American Express Qantas Business Rewards Card
100,000 bonus points
1.25
$450 p.a.
Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.
NAB Qantas Rewards Premium Card
25,000 bonus points
0.66
19.99% p.a.
$250 p.a.
A Visa card that comes with a 24/7 personal concierge and complimentary travel insurance.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
A competitive Qantas Points earn rate, two Qantas Club lounge invitations plus complimentary Qantas epiQure Premium membership.

Compare up to 4 providers

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
NAB Velocity Rewards Card
0.5
19.99% p.a.
$95 p.a.
This Visa card offers 0.5 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive complimentary travel insurance and two complimentary Virgin Australia domestic airport lounge passes each year.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0 p.a. on purchases for 12 months, complimentary travel insurance and a $129 Virgin Australia gift voucher each year.
American Express Velocity Platinum Card
50,000 bonus points
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Save on travel costs with a $129 Virgin Australia gift voucher each year and complimentary travel insurance.
NAB Velocity Rewards Premium Card
0.66
19.99% p.a.
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
American Express Velocity Business Card
1
$249 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
American Express Velocity Escape Card
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.

Compare up to 4 providers

Rates last updated November 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
100,000 bonus points
1
19.99% p.a.
$395 p.a.
Earn Qantas Points for your spending combined with overseas travel insurance and a balance transfer rate of 4.99% p.a. for 6 months.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Qantas Premier Platinum
75,000 bonus points
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
ANZ Frequent Flyer Platinum
65,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 65,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Take advantage of 75 Bonus Status Credits when you apply by 24 January 2018, and buy and fly return with Qantas by 31 May 2018.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
NAB Rewards Signature Card
100,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Receive 100,000 bonus NAB Rewards points when you spend $3,000 on everyday purchases in the first 60 days of account opening.
bcu Rewards credit card
12.80% p.a.
$89 p.a.
Enjoy a low ongoing purchase rate, get 0.66% cashback for every dollar spent, plus take advantage of up to 55 days interest-free on purchases.
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
Bendigo Bank Platinum Rewards Mastercard
100,000 bonus points
1.5
19.99% p.a.
$89 p.a.
Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Offers unlimited access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge service.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year and the protection of complimentary travel insurance.
CUA Platinum Credit Card
1
19.99% p.a.
$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Collect 1 CUA Rich Life Rewards point per $1 spent, plus receive complimentary travel and purchase protection insurances.
American Express Explorer Credit Card
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
American Express Essential Credit Card
1
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
NAB Rewards Platinum Card
60,000 bonus points
1
19.99% p.a.
$195 p.a.
Take advantage of 60,000 bonus points when you meet the spend requirements. Plus, seven complimentary insurances.
Qantas American Express Ultimate Card
55,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Receive a complimentary Qantas domestic return economy flight and 2 American Express Airport Lounge entries each calendar year.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 80,000 bonus Velocity Points. Plus, complimentary travel insurance.
Caltex StarCard
1
$35.40 p.a.
Minimise your monthly fuel expenses and collect Qantas Points on eligible business purchases.
HSBC Platinum Credit Card
1
19.99% p.a.
$129 p.a.
Transfer existing debt at 0% p.a. for 22 months with a one-time 2% BT fee, plus, receive a complimentary insurance package.
ANZ Rewards Platinum
65,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
This card comes with complimentary insurance including travel and medical insurance, purchase security insurance and extended warranties.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent.
American Express Velocity Platinum Card
50,000 bonus points
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
NAB Velocity Rewards Premium Card
0.66
19.99% p.a.
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
Bankwest More Platinum Mastercard
75,000 bonus points
2
19.99% p.a.
$160 p.a.
Introductory 75,000 bonus points offer and a low interest rate on balance transfers.
Citi Qantas Signature Credit Card
50,000 bonus points
0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get 2 airport lounge visits per year.
American Express Platinum Business Card
120,000 bonus points
1
$1,500 p.a.
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
American Express Gold Business Card
10,000 bonus points
0
1
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
Commonwealth Bank Business Awards Credit Card
1
0.5
20.74% p.a.
$100 p.a.
Earn up to 1.5 Awards points per $1 spent, easily integrate your online accounting software, plus complimentary Transit Accident Insurance.
American Express Business Explorer Credit Card
100,000 bonus points
2
16.99% p.a.
$395 p.a.
Earn 100,000 bonus points when you meet the requirement and 2 Membership Rewards points per $1 spent.
American Express Platinum Card
80,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,100 VIP lounges.
NAB Qantas Rewards Premium Card
25,000 bonus points
0.66
19.99% p.a.
$250 p.a.
A premium card that offers 25,000 bonus points when you meet the spend requirements. Plus a 24/7 personal concierge.
Commonwealth Bank Business Awards Platinum Credit Card
1
0.5
20.74% p.a.
$300 p.a.
Earn up to 3 Awards points per $1 spent and receive complimentary travel and unauthorised transaction insurances.
NAB Velocity Rewards Card
0.5
19.99% p.a.
$95 p.a.
This Visa card offers 0.5 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Qantas Rewards Card
0.5
19.99% p.a.
$95 p.a.
A Visa card that rewards you with 0.5 Qantas points per $1 spent, plus complimentary purchase protection insurance.
Citi Signature Credit Card
120,000 bonus points
1
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 1 Point per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
Citi Prestige Card
150,000 bonus points
3
20.99% p.a.
$700 p.a.
Earn from 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
David Jones American Express
20,000 bonus points
1
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
Woolworths Everyday Platinum Credit Card
1
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
20.74% p.a.
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
American Express Qantas Business Rewards Card
100,000 bonus points
1.25
$450 p.a.
Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.

Compare up to 4 providers

 

Best* frequent flyer credit cards

The best credit for you will depend on a variety of factors. 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 personal financial circumstances when comparing products. Products are displayed in no particular order or ranking.

How does a frequent flyer credit card work?

Frequent flyer credit cards earn you points when you use them for eligible purchases. These cards earn a set number of points for every dollar spent (e.g. 1 point per $1), which is known as the earn rate. This means the more you pay with plastic, the more frequent flyer rewards you can get. Depending on the type of rewards credit card you use, there are different ways to earn and redeem frequent points. Some cards credit points directly to your frequent flyer account and others allow you to transfer points to a variety of eligible frequent flyer account.

Is a frequent flyer credit card right for me?

If you're interested in getting a frequent flyer credit card, weigh up these pros and cons. Please keep in mind that these factors may vary depending on the card.

Benefits of choosing a frequent flyer credit card
  • Redeem flights and travel upgrades faster.
    By earning points on your everyday spend you can reach your rewards goals in less time.
  • Sign up bonus points.
    Some credit cards offer introductory bonus points as an incentive for new customers. These offers boost your points balance so you can redeem rewards such as flights and holidays faster.
  • Large range of rewards.
    Use your points to redeem rewards including flights, hotels, online shopping and other lifestyle benefits.
  • Travel perks.
    Travel comfortably with flight vouchers, access to airline lounges and 24/7 concierge services.
  • Complimentary insurance.
    Save on stand-alone insurance costs and get peace of mind when travelling with complimentary insurance covers including travel insurance, interstate flight inconvenience insurance and purchase security insurance.
Risks when choosing a frequent flyer credit card
      • High interest rates.
        Frequent flyer credit cards often come with less competitive interest rates than other cards. As such, they are suited to cardholders who pay their balance off each month so that the accumulated interest doesn't outweigh the value of the rewards.
      • Higher annual fees.
        As well as high interest rates, these cards often come with higher annual fees than no frills options.
      • Temptation to spend.
        If you struggle to repay your credit card on time or need to consolidate a debt, a rewards card might tempt you to spend for the sake of points when you should be reigning in your purchases.
      • Airline restriction.
        Tied to the temptation to spend, frequent flyer rewards points are only available to be used with a specific airline or alliance of airlines. While you may find a better or cheaper flight with another airline, you could be incentivised to fly with your loyalty airline to accumulate the additional points that often come with this.
      • Offer requirements.
        Frequent flyer credit cards that come with introductory offers or complimentary insurance may have specific spending requirements you need to meet to enjoy these benefits. For example, you may need to spend $1,500 in the first 3 month you have a card to get bonus points, or pay for your travel with your credit card to get travel insurance.

ccf-ff-895-251Types of Frequent Flyer credit cards on the market

How can I compare and find the best* frequent flyer credit card for my needs?

The mix of frequent flyer credit cards on the market gives you a chance to compare options and find one that suits your individual goals and circumstances. Go through the checklist below to find out what factors you should consider when looking at credit cards that earn frequent flyer points.

      1. The frequent flyer program. Choosing a credit card that earns points for a frequent flyer program (or programs) you already use will help you maximise your rewards. If you don't belong to a program yet, think about which program you're more likely to travel with.
      2. Points earning rate. Check the standard rate of points you'll earn for each $1 spent on the card. Be aware that a different earn rate could apply for certain types of spending (i.e. overseas purchases), or if it is a dual credit card that comes with an Amex and either a Mastercard or a Visa. There are usually some transactions that won't earn points, such as cash advances, so make sure you check restrictions for the cards you're comparing.
      3. Reward values. Consider the types of rewards you want to claim, the amount of points you'll need and how much spending that requires. Check how these values measure up between programs so you can apply for the card that offers the greatest value based on your spending and reward goals.
      4. Annual fee. Ideally, the annual fee should cost less than the rewards and any complimentary extras on the card that you intend to use.
      5. Promotional rates and features. Frequent flyer credit cards sometimes have promotions for new customers, such as bonus points, 0% purchase rates, balance transfer offers or even no annual fee for the first year. These benefits can add value to the card that you choose, but make sure you read the terms and conditions for details of the requirements and honeymoon period so that they work for you (and not the other way around).
      6. Complimentary extras. Reward and frequent flyer credit cards often come with a selection of complimentary extras such as international travel insurance, extended warranties, concierge services and airline lounge access. The value of these perks can be used to offset the cost of the annual fee – as long as you know you will actually use them. They can also be handy to have available just in case you ever need them.

How to earn and redeem frequent flyer points with a credit card

Earning Points

Points are a key factor when choosing and using a frequent flyer credit card, and there are two main options to consider:

1. Direct earn cards. These credit cards are partnered with specific airline rewards programs, earning points that are credited directly to your associated frequent flyer account. For example, the American Express Qantas Premium card earns 1.25 Qantas Point per $1 spent, and the Virgin Australia Velocity Flyer card earns 0.66 Velocity Point per $1 spent. Direct earn cards generally have a better earn rate than other options, so you could potentially get more rewards for your spending if you’re loyal to one frequent flyer program.
2. Indirect earn cards. These reward credit cards earn points that can be transferred to a wide range of frequent flyer programs. For instance, the ANZ Rewards Black credit card earns 2 ANZ Reward Points per $1 spent, which can then be exchanged for Air New Zealand Airpoints, Singapore Airlines KrisFlyer miles or Velocity Frequent Flyer reward points. Unlike direct earn frequent flyer credit cards, the point values of these cards may differ when transferred to a frequent flyer account.

Using your points

Once you have earned enough points, you can redeem them for a variety of rewards. Here are some of the great redemptions you could make through your frequent flyer program.

The amount of points you need for a reward varies depending on the frequent flyer program and the type of reward you choose. There are two main categories for rewards: 1) Airport/ flight benefits and 2) retail/ lifestyle rewards.

      • Airport/ flight benefits. Points can be used for reward flights, flight upgrades, lounge benefits and other frequent flyer membership benefits. Flight rewards with the frequent flyer program's associated airline usually provide a higher point value when compared to other rewards. For example, a one-way flight from Sydney to Melbourne with Qantas costs 8,000 Qantas Points, while a $50 Myer gift card costs 8,810 points.
      • Retail/ lifestyle rewards. These rewards can benefit you at home or abroad. You can use points to book hotels, car rentals or other travel experiences, as well as more general retail and lifestyle benefits including gift cards, food and wine, jewellery and other merchandise.

How to choose a frequent flyer program

There are many frequent flyer programs based all around the world. But you have handful of these programs to choose from if you're interested in getting an Australian credit card that earns frequent flyer points, including Qantas Frequent Flyer and Velocity Frequent Flyer. Here, you can compare frequent flyer programs based on credit card points earnings to help you choose a program that will suit your needs.

Full guides to frequent flyer programs and benefits

      • Qantas Frequent Flyer. Qantas Frequent Flyer credit cards can earn between 0.25 and 1.5 Qantas Frequent Flyer points per $1. These points can be redeemed for flights with over 400 program partners and products from the Qantas Store.
      • Jetstar rewards. Jetstar is directly linked to Qantas, so you can redeem Qantas Frequent Flyer points for Jetstar flights. There are also two Jetstar credit cards that earn Jetstar Dollars you can use for flights with the airline. These cards also let you avoid the credit card booking fee when you use them to purchase Jetstar airfares.
      • Velocity frequent flyer. Velocity frequent flyer credit cards typically earn between 0.5 and 1.5 points per $1 spent, with membership perks including express boarding, complimentary baggage, flight upgrades and lounge access. You can redeem rewards for flights with Virgin Australia and its partners, plus rewards from the Velocity store.
      • Tigerair. As it’s partnered with Virgin Airways, you can use your Velocity Frequent Flyer credit card to earn points that can be redeemed for rewards with either Virgin or Tigerair. Just log in to your Velocity Frequent Flyer account, select the “Redeem” option and choose “Tigerair Australian Redemption” in the flights section.
      • Emirates Skywards rewards. You can earn 1 mile per $1 up to 10,000 Skywards Miles with the Emirates Citi World Mastercard. Otherwise, you can earn Membership Rewards with an American Express credit card and redeem these for Emirates Skywards Miles, with 4 Membership Rewards = 3 Skywards Miles. You can redeem your miles for flight rewards and upgrades with Emirates and its partners.
      • Singapore Airlines KrisFlyer program. There aren’t any KrisFlyer direct earn credit cards on the Australian market, but you can trade American Express Membership Rewards, Citi Rewards and Westpac Altitude Rewards for KrisFlyer miles. You can redeem these for flights with Singapore Airlines, SilkAir or any members of the Star Alliance airline network.

Qantas Frequent Flyer Credit Cards - How to choose the best credit card* for Qantas Frequent Flyer Points

qantas-frequent-flyer-new-logoChoosing a credit card maximise earning Qantas Frequent Flyer points will depend on your spending habits, your income and the credit card features you are looking for. Frequent flyer credit cards often include additional perks, with airport lounge passes, complimentary travel insurance and bonus points offers. As a result, these cards can come with a much higher annual fee compared to other types of credit cards, so it’s important to compare and read the terms and conditions – especially if there is a $0 annual fee offer included. Some of the benefits you can expect from a Qantas frequent flyer credit card include:

      • Bonus points. Get a boost to your Qantas Points balance with a bonus points offer. Varying from 10,000 to 75,000 Qantas Points, these offers usually require you to spend a specific amount of money during the first few months you have the card in order to receive the points.
      • Qantas Points per $1 spent. Use your card to earn more Qantas Points for your everyday purchases. You can earn 0.5, 0.75, 1, or 1.5 Qantas Points per $1 spent depending on which bank and credit card you apply for. Higher-tier cards including gold, platinum and black accounts offer more points per $1 spent.
      • Additional perks. Qantas Frequent Flyer credit cards often provide additional benefits with airport lounge passes, complimentary travel insurance and 24/7 concierge services to make your travels easier.


Velocity Frequent Flyer Credit Cards – How to choose the best credit card* for Velocity Frequent Flyer points

velocity-frequent-flyer-ftm-logoChoosing a credit card to earn Velocity Frequent Flyer points varies depending on factors including your spending habits, income and the other features you want on a credit card. It’s also important to consider the costs of the card, such as annual fees and interest rates, and any specific requirements associated with complimentary extras. Reading the credit card terms and conditions will help you understand the ongoing responsibilities and charges so that you can choose a card that is convenient and affordable for you. Some of the benefits you can get with a Velocity Frequent Flyer credit card include:

      • Introductory bonus points. Some Velocity Frequent Flyer credit cards offer bonus points for new customers that can boost your account balance. Usually these promotions require you to spend a certain amount in the first few months you have the credit card. Providing you meet the conditions of the offer, you could get anywhere from 5,000 to 50,000 Velocity Frequent Flyer points in one go.
      • Velocity points for everyday spending. A Velocity Frequent Flyer credit card will offer you a set number of points for every $1 spent on eligible purchases. You could get between 0.5 and 1.5 points per $1 depending on the card, with more premium cards offering greater earn rates.
      • Complimentary extras. The perks you can get with a Velocity credit card include travel insurance, flight gift vouchers and airport lounge passes. These benefits can add value to the card, but only if you use them.


Jetstar – How to choose the best credit card* for Jetstar flights

jetstar logo 2017As the low-cost carrier owned by Qantas Airways, Jetstar doesn’t really have its own frequent flyer program. But it does offer the following credit cards that earn Jetstar Dollars you can cash in for flights:

      • The Jetstar Mastercard. This credit card earns 1 Jetstar Dollar per $100 spent and automatically rewards you with a $100 Jetstar Travel Voucher when you have earned 100 Jetstar Dollars. It has a standard variable purchase rate of 14.99% p.a. and a standard annual fee of $69, making it a low-cost frequent flyer credit card option. You can also choose to earn Qantas Points on this card, at a rate of 1 points per $1.
      • The Jetstar Platinum Mastercard. This credit card earns 1 Jetstar Dollar for every $50 spent on eligible purchases, or 1 Qantas Point per $1 if you opt to earn rewards as part of the Qantas Frequent Flyer program. If you choose Jetstar Dollars, you will automatically get a $200 Jetstar Travel Voucher when you earn 200 Jetstar Dollars. The Jetstar Platinum Mastercard has a standard variable purchase rate of 19.99% p.a. p.a., an annual fee of $169 and complimentary extras including overseas travel insurance.

Emirates Skywards – How to choose the best credit card* for Emirates Skywards Miles

Emirates_Skywards_200x100If you want to find the best credit card* to earn Emirates Skywards Miles, you’ll need to consider your spending habits, income and the credit card features you’re interested in. It’s also important to consider the interest rates and annual fees of credit cards that offer Emirates Skywards Miles, so that you can make sure the benefits outweigh these charges. The Emirates Citi World Mastercard is the only credit card currently available that directly earns Skywards Miles per $1 spent. As well as this card, you can consider cards that allow you to transfer points to your Emirates Skywards account, such as those linked to the American Express Membership Rewards program. Some of the benefits you can get with an Emirates Skywards credit card include:

      • Introductory offers. Rewards credit cards linked to the Emirates frequent flyer program may offer exclusive benefits to new customers, including thousands of bonus points or a discount on Emirates flights. To get these offers, you usually need to be a new customer and spend a certain amount of money on the card in the first few months you have it.
      • Points per $1 spent. You can earn between 0.5 and 1.5 Skywards Miles per $1 spent on a credit card linked to the Emirates frequent flyer program. Some of these cards limit or cap the number of points you can earn, so make sure you check these details and factor that into your decision when choosing a card.
      • Travel perks. The complimentary benefits you can get with an Emirates credit card include international travel insurance, hotel room upgrades, dining programs and 24/7 concierge services.

Frequent Flyer alliances

Frequent flyer programs have networks of partner and alliance airlines that let you earn and redeem points all around the world. We've included three of the most popular alliances below.

These alliances and partnerships give you more options for redeeming flights and flight upgrades. So even if you choose a frequent flyer credit card that's linked to one airline program, you may be able to use your points for flights with another airline through these partnerships.

Credit cards have become one of the most popular ways to earn frequent flyer points, with both direct and indirect methods for boosting your point balance. Now that you know more about how they work, the potential benefits and pitfalls and what you should consider when comparing frequent flyer credit cards, you can make a more informed decision about the next credit card you apply for so that it really works for you.

Pictures: Shutterstock

Frequent flyer credit card questions from our users

Since frequent flyer credit cards provide many benefits and features, choosing one can be a challenging task. Here, we answer the most popular questions from our users about frequent flyer credit cards and how to earn/ redeem points. If you still have a question, please use the "Ask a Question" box below and one of our friendly staff will respond to your query.

The most popular questions about earning frequent flyer points

The most popular questions about redeeming frequent flyer points

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Qantas Premier Platinum
Qantas Premier Platinum

Interest rate

19.99

Annual fee

299
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Bankwest Breeze Classic Mastercard
Bankwest Breeze Classic Mastercard

Interest rate

12.99

Annual fee

79

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131 Responses

  1. Default Gravatar
    June 30, 2017

    Can you please direct me towards cards that do not have a low cap. Already have an Amex but looking for a Visa card to gain maximum qantas points spending over $30000 a month.

    • Staff
      MayJune 30, 2017Staff

      Hi Jo,

      Thanks for reaching out.

      The credit cards with uncapped frequent flyer points are listed here. Please note though some of the cards do not directly earn frequent flyer points as you spend, their rewards points can be transferred to the frequent flyer program they are a partner with.

      Cheers,
      May

  2. Default Gravatar
    MyViaCeNovember 28, 2016

    Hi, i heard westpac offers 100.000 bonus points for balance transfer than can be used towards qantas frequent flyer. Is that right?

    • Staff
      AnndyNovember 28, 2016Staff

      Hi MyViaCe,

      Thanks for your question.

      Unfortunately, you can’t transfer your Westpac Altitude Rewards to Qantas frequent flyer program, but you can to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer and Virgin Australia Velocity.

      You can check the points conversion rate here.

      Cheers,
      Anndy

  3. Default Gravatar
    AndreaJuly 19, 2016

    HI
    I want to get a credit card to pay all bills and outgoings but want one with all the benefits.
    Can you tell me if you earn points when paying utility, rates etc bills? or is just on purchases of products that qualify?

    • Staff
      AnndyJuly 19, 2016Staff

      Hi Andrea,

      Thanks for your question.

      If you are looking for a credit card that lets you earn Frequent Flyer rewards or points when you pay bills, you can check this page for credit card providers that allow that. Once you have selected a provider, you can then proceed to choosing a credit card they offer that has the features or benefits you are looking for.

      You may also want to check our guide on how to earn frequent flyer points on utilities.

      Cheers,
      Anndy

  4. Default Gravatar
    RoyMay 24, 2016

    Hi,

    For ANZ Frequent Flyer Credit Card – car insurance included local as well or only for use in overseas?

    Thanks.

    • Staff
      MayMay 25, 2016Staff

      Hi Roy,

      Thanks for your question.

      Unfortunately, with ANZ Frequent Flyer Credit Card, the complimentary travel insurance is not one of its benefits. But ANZ premium cards do have complimentary travel insurance and it includes rental vehicle excess cover which is for overseas trips only. Please refer to this page that details the ANZ complimentary travel insurance.

      Hope this helps.

      Cheers,
      May

  5. Default Gravatar
    TomFebruary 1, 2016

    Hi Finder,

    I am looking for a credit card that gives me complimentary travel insurance. However the ones I have looked in to do not cover me for places where the govt has advised to ‘reconsider your need for travel’. I want to travel to places like Ethiopia but it falls under that category so I wouldn’t be covered. Do you know any credit cards that offer really good quality travel insurance that would cover me for places like that?

    Thanks so much for your help!
    Tom

    • Staff
      DebbieFebruary 2, 2016Staff

      Hi Tom,

      Thanks for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend specific providers, products or services.

      You may refer to our comparison page for credit cards that offer free travel insurance.

      If you are after for a more comprehensive travel insurance, you can review standalone policies from Australian Travel Insurance Companies from this page.

      I hope this helps.

      Cheers,
      Debbie

    • Default Gravatar
      TomFebruary 2, 2016

      Hi Debbie,

      Thanks for your help! I will check out those links now.

      Cheers
      Tom

    • Staff
      DebbieFebruary 2, 2016Staff

      No worries Tom. Just let us know we can assist you further. Thanks!

  6. Default Gravatar
    December 13, 2015

    hi guys
    just wanted to ask
    how i could get a Frequent flyer Velocity Promo Code
    thank you v much
    Cheers,

    • Staff
      DebbieDecember 15, 2015Staff

      Hi Chandy,
      Thank you for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend specific providers, products or services.

      Please refer to link I’ve sent in your email for the list of special offers from Velocity. You can also check this page for a list of latest Velocity promo codes from Virgin Australia.
      I hope this helps.

      Cheers,
      Debbie

  7. Default Gravatar
    brianOctober 20, 2015

    how often do I pay ,is it annually or monthly
    if monthly I will cancel,please advice before I make my next payment on my a/e account

    • Staff
      JonathanOctober 21, 2015Staff

      Hi Brian, thanks for your inquiry!

      Generally credit card repayments are monthly. To allow us to assist you further could you specify which credit card you are using?

      Cheers,

      Jonathan

  8. Default Gravatar
    RobynAugust 27, 2015

    Is there a FF CC that can be used with any airline?
    thanks
    Robyn

    • Staff
      JonathanAugust 27, 2015Staff

      Hi Robyn, thanks for your inquiry!

      Most credit cards have a partnership with one or a few airlines/ frequent flyer programs. You may like to review the Oneworld Alliance program which combines the benefits of multiple airlines.

      Cheers,

      Jonathan

  9. Default Gravatar
    MickAugust 18, 2015

    Hello
    I have just received my Velocity Frequent Flyer Prepaid Card. I went to the Velocity Global Wallet to activate my card, but I’m lost as to the next step.
    Please advise.
    Thanks
    Mick.

    • Staff
      JonathanAugust 19, 2015Staff

      Hi Mick,

      Thanks for your inquiry.
      To activate your Velocity Global Wallet, you will need to log into the Global Wallet Account Centre online and enter your 16-digits Velocity membership number and account password.
      Please refer to the link I have sent to your email for the Velocity Account Centre activation page.
      You might also want to check this page for further information about the Velocity Global Wallet.

      I hope this has helped.

      Cheers,

      Jonathan

  10. Default Gravatar
    SarahAugust 17, 2015

    Hi

    Can you advise when the St George 55,000 bonus points ended? I saw this before I applied in July?

    Thanks
    Sarah

    • Staff
      JonathanAugust 17, 2015Staff

      Hi Sarah, thanks for your question!

      Unfortunately St.George does not currently have any rewards points promotions with the last offer ending approximately in April. You may like to refer to more Reward’s credit cards on this page.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated November 24th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

Compare up to 4 providers

* 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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