Earn points on your everyday spending and enjoy flights, upgrades and other rewards faster with a frequent flyer credit card.
Use this guide to compare frequent flyer credit cards and learn more about them, including how to earn points. You can also learn about the key features to compare so that you can find the right frequent flyer card for you.
Receive 100,000 bonus Qantas Points
Offer ends 25 February 2018
Eligibility criteria, terms and conditions, fees and charges apply
Frequent Flyer Credit Card Offer
With a new NAB Qantas Rewards Signature Card, get 100,000 bonus points when you meet the spend requirement. Plus, seven complimentary insurances including overseas travel.
- Receive 100,000 bonus Qantas points when you spend $3,000 on everyday purchases within the first 60 days of account opening.
- Earn 1 Qantas Point per $1 spent (≤$5k) and 0.5 points per $1 spent on everyday purchases ($5,001 - $20k), per statement period.
- Receive seven complimentary insurances when you make an eligible purchase, plus, access to the 24/7 NAB Concierge Service.
- Receive a complimentary Qantas Frequent Flyer membership if you aren't yet a member, saving you $89.50.
Compare Frequent Flyer Credit Cards
Best frequent flyer credit cards* - trending now
Compare the features, rates and fees of these frequent flyer credit cards to decide if one is right for you:
- Qantas Premier Platinum. Get bonus Qantas Points and complimentary Qantas Club lounge invitations.
- HSBC Platinum Qantas Credit Card. A credit card that earns Qantas Points and comes with complimentary international travel insurance.
- Citi Prestige. A frequent flyer credit card for high income earners.
- ANZ Frequent Flyer Black. A high-flyer card that earns Qantas Points and comes with a range of complimentary extras.
How to get bonus points with a frequent flyer credit card
*The best credit card for you will depend on a variety of factors. The use of the 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 do frequent flyer credit cards work?
Frequent flyer credit cards give you a way to earn points on your everyday spending by offering a set number of points for every dollar spent (eg, 1 point per $1 spent) on eligible purchases. This means the more you spend, the more frequent flyer rewards you can get. There are different ways to earn and redeem frequent points depending on the type of credit card you choose. Some frequent flyer credit cards send points directly to your frequent flyer account and other rewards credit cards allow you to transfer points to a variety of eligible frequent flyer accounts.
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 you can get with 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 cover, 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 reining in your purchases.
- Airline restriction
Tied to the temptation to spend, you can only use frequent flyer rewards points 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 three months that you have the card to get bonus points or you may have to pay for your travel with your credit card to get travel insurance.
Types of Frequent Flyer Credit Cards on the market
How can I compare and find the best* frequent flyer credit card for me?
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.
- 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.
- Points earning rate. Check the standard rate of points you'll earn for each dollar spent on the card. Be aware that a different earn rate could apply for certain types of spending (ie, overseas purchases) or for a dual credit card that comes with an Amex and either a Mastercard or a Visa account. 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.
- 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.
- Annual fee. Ideally, the annual fee should cost less than the rewards and any complimentary extras on the card that you intend to use.
- 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 regarding the requirements and honeymoon period so that they work for you (and not the other way around).
- 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
Points are a key factor when choosing and using a frequent flyer credit card, and there are two main options to consider:
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.
- Airport/flight benefits. Points can be used for rewards 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 such as gift cards, food, wine, jewellery and other merchandise.
How to choose a frequent flyer program
There are many frequent flyer programs based all around the world. You have a handful of these programs to choose from if you're interested in getting an Australian credit card that earns frequent flyer points, including the Qantas Frequent Flyer and Velocity Frequent Flyer programs. Here, you can compare frequent flyer programs based on the points you can earn with a credit card to help you choose a program that will suit your needs.
- Qantas Frequent Flyer. Qantas Frequent Flyer credit cards can earn between 0.25 and 1.5 Qantas Frequent Flyer points per $1 spent. 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, which 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 redeem 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 spent 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 four Membership Rewards equalling three 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
Choosing a credit card to 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, such as 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. The following are some of the benefits you can expect from a Qantas Frequent Flyer credit card:
- 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 dollar spent.
- Additional perks. Qantas Frequent Flyer credit cards often provide additional benefits, such as airport lounge passes, complimentary travel insurance and 24/7 concierge services to make your travels easier.
- If you'd like to earn Qantas Points through credit card spending, compare Qantas Frequent Flyer credit cards here.
- If you'd like to find out more about the benefits of the Qantas program, refer to our ultimate guide to the Qantas Frequent Flyer program.
Velocity Frequent Flyer Credit Cards – How to choose the best credit card* for Velocity Frequent Flyer Points
Choosing 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. The following are some of the benefits you can get with a Velocity Frequent Flyer credit card:
- 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 spent depending on the card, with 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.
- If you would like to earn and redeem frequent flyer points with Velocity, compare Velocity Frequent Flyer credit cards here.
- If you'd like to learn more about the benefits of the Velocity Frequent Flyer program, refer to our comprehensive guide to the benefits of the Velocity Frequent Flyer program.
Jetstar – How to choose the best credit card* for Jetstar flights
As 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, which 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 point per $1 spent.
- The Jetstar Platinum Mastercard. This credit card earns 1 Jetstar Dollar for every $50 spent on eligible purchases or 1 Qantas Point per $1 spent 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., an annual fee of $169 and complimentary extras such as overseas travel insurance.
- If you want to earn and redeem points with Jetstar, compare Jetstar Frequent Flyer credit cards here.
- If you'd like to find out more about what Jetstar can offer you, read our guide on the benefits and features of the Jetstar Frequent Flyer program.
Emirates Skywards – How to choose the best credit card* for Emirates Skywards Miles
If 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 dollar 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. The following are some of the benefits you can get with an Emirates Skywards credit card:
- 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.
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.
Frequent flyer credit card questions from our users
If you want to know more about frequent flyer credit cards, check out these answers the most popular questions we're asked about them, including how to earn and 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.