Qantas Frequent Flyer Credit Cards

Qantas Frequent Flyer credit cards that offer bonus Qantas Points on signup and earn rewards for your everyday spending.

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Qantas Money Credit Card Offer

Qantas Premier Platinum

Earn up to 120,000
bonus Qantas Points
Discounted $199 first year annual fee

Offer ends 26 February 2020

Eligibility criteria, terms and conditions, fees and charges apply

Qantas Money Credit Card Offer

Receive up to 120,000 bonus Qantas Points. Plus, complimentary lounge passes and a discounted first year annual fee.

  • 20,000 bonus Qantas Points each month for the first 6 months when you spend $1,500 each month (120,000 points total)
  • Discounted $199 annual fee for the first year ($299) p.a. thereafter
  • Purchase interest rate of 19.99% p.a. and cash advance rate of 21.99% p.a.
  • Two complimentary lounge invitations each anniversary year
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Compare Qantas Frequent Flyer Credit Cards

Updated December 11th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
25,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.75
19.99% p.a.
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 25,000 bonus Qantas points, a discounted first year annual fee and complimentary insurance covers.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
100,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points, 3x points on eligible Qantas flights and 2 lounge passes.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
75,000 bonus points
Qantas Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days of approval. Plus, complimentary insurances and a concierge service.

Compare up to 4 providers

Qantas Credit Cards

Use the table above to compare a range of offers

  • No annual fee: HSBC Platinum Qantas Credit Card
  • No annual fee: Qantas American Express Discovery Card
  • Bonus points: Qantas American Express Ultimate Card
  • Bonus points: Qantas Premier Platinum

How do Qantas Frequent Flyer credit cards work?

cute couple paying with credit card for their date

You can use a Qantas credit card to earn frequent flyer points per $1 you spend on everyday purchases. These cards also regularly come with thousands of bonus points when you sign up and meet the offer's spending requirements.

Depending on the card, you could also enjoy other travel perks, such as airport lounge access, complimentary travel insurance and concierge services. You must be a Qantas Frequent Flyer member to earn Qantas Points with these cards. If you're not already a frequent flyer, some cards come with complimentary Qantas Frequent Flyer membership.

Get complimentary Qantas Frequent Flyer membership and save

What are eligible purchases to earn points?

You can usually only earn Qantas Points on eligible transactions, which usually includes everyday expenses including groceries, petrol and travel bookings. Transactions that usually don't earn points include balance transfers, cash advances and government payments (such as paying your ATO bill). Check the credit card's product disclosure statement for a complete list of the transactions that can and can't earn points.

How to compare Qantas Frequent Flyer credit cards

If you want to earn more Qantas Points as you spend and find the credit card that offers you the best value, these are the factors to consider:

Bonus Qantas Points offers

Some Qantas Frequent Flyer credit cards offer thousands of bonus Qantas Points on sign up. Bonus points can vary between 20,000 and 120,000 Qantas Points depending on the card. You usually need to meet specific terms and conditions to get the points, so here are some details to compare:

  • Spend requirements. Most credit cards require you spend a certain amount in a set period to collect the bonus points. For example, you may need to spend at least $3,000 in the first 3 months to get the bonus points. Make sure that this spend requirement aligns with your budget and that you're not just spending for the sake of earning points.
  • Eligibility. Bonus points are generally only available to new customers, so you may be unable to take advantage of a Qantas credit card offer if you already have a credit card with the same provider.
  • Application deadline. Frequent flyer credit card bonus points offers are usually only available for a promotional period, so you may need to apply before a set date to earn the additional points.

Earn rate

  • Qantas Points per $1 spent. The standard amount of points you earn for every $1 you spend has a huge influence on the overall value of this type of card. The number of Qantas Points you earn with a credit card can be as little as 0.25 or as much as 2 points per $1 spent. The higher this earn rate, the more frequent flyer points you will receive for your credit card spending. Generally, 1 Qantas Point per $1 can be considered a competitive earn rate. Some Qantas credit cards may earn a higher standard rate for different types of transactions, such as overseas purchases or spending with Qantas.
  • Points caps and reduced earn rates. Some Qantas credit cards reduce or cap the number of points you can earn each month up to a set spending limit. For example, you may earn 1 Qantas Point per $1 up to $10,000 per statement period and then 0.5 Qantas Points per $1 after that. If your regular spending exceeds this points cap, look for an uncapped card or one that has a cap above your average monthly spending level. This will help ensure you're not limited in how many Qantas Points you can earn.

Rates and fees

  • Annual fee. Standard annual fees for Qantas Frequent Flyer credit cards range from $79 to $450 or more. Some cards may also offer a reduced or $0 annual fee for a promotional period (such as the first year) or for the life of the card. If the card does have an annual fee, make sure the cost doesn't outweigh the value of the Qantas Points you'll earn that year. You can compare frequent flyer cards that don't charge an annual fee here.
  • Standard interest rates. Qantas Frequent Flyer credit cards typically have high standard purchase rates, ranging from around 19.49% p.a. to 20.99% p.a. If you don't pay your balance off in full each month, interest charges could quickly outweigh the value you're getting from your Qantas Points.
  • Promotional interest rates. Some Qantas credit cards may offer low or 0% interest on purchases or balance transfers during the introductory period. This can be a good way to cut interest costs while earning points in the first few months of owning the card, but be aware that the promotional rates won't last.
  • Other fees. Some other common costs you could expect include international transaction fees, late payment fees and cash advance charges. Similar to when you're considering the annual fee, you should make sure these charges don't end costing more than the value you get from earning Qantas Points.

Other features

  • Complimentary extras. Qantas credit cards can come with a range of other perks, including Qantas Club invitations and airport lounge passes, international travel insurance, complimentary flights and upgrades, hotel stays, extended warranty coverage and purchase protection insurance. These benefits can help you get extra value from your card, especially if you're paying a higher annual fee.
  • Interest-free days. If you pay off your credit card in full by the due date on each statement, you can make interest-free purchases for up to a set number of days in your statement period. This can give you more flexibility with repayments and help you avoid paying more for using your card.
  • Additional cardholders. Many Qantas credit cards let you request a supplementary card for a partner or family member. This means they get an additional card that's linked to your account and can use it to make purchases and earn rewards for your account. Just make sure you factor their spending into your repayments and check whether or not there is another annual fee for additional cardholders.

How to use your Qantas Points and what rewards you can redeem

Mistakes to avoid with a Qantas credit card

While Qantas Frequent Flyer credit cards offer a variety of rewards and perks, it's important to avoid these common mistakes to get the most out of your card:

  • Overspending. It can be tempting to spend as much as possible to earn more Qantas Points, but this could make it harder to pay off the balance and lead to credit card debt.
  • Not repaying your balance every month. If you don’t pay off the balance of your credit card in full every month, the remaining debts will collect interest. As frequent flyer credit cards generally charge high-interest rates, the interest costs could easily outweigh the value of your points if you fail to repay your balance in full.
  • Not comparing the annual fee to the potential rewards. As frequent flyer credit cards often come with high annual fees, it's important to compare the number of Qantas Points you're likely to earn and the value of any rewards you'll redeem against the annual fee.
  • Ignoring the standard features. While it's easy to be distracted by the promise of bonus points and ongoing Qantas Frequent Flyer benefits, it's important to compare the credit card's standard fees and features before you apply so that you can decide if the perks outweigh the costs.
  • Failing to use complimentary extras. As Qantas Frequent Flyer credit cards usually come with extra features such as complimentary international travel insurance and Qantas lounge passes, make sure to take full advantage of these extras to get your money's worth.

How to apply for a Qantas Frequent Flyer credit card

If you've compared your options and decided a Qantas rewards credit card is right for you, you can apply online using the following five steps:

  1. Compare. Use the reviews and comparison tables on finder to weigh up the features of several Qantas Frequent Flyer credit cards and find one that suits your needs.
  2. Apply online. Once you've chosen your card, click on the "Go to site" button and you will be taken to a secure online application page.
  3. Read through the terms and conditions. Check the fine print to make sure you understand all of the details and any requirements you need to meet for an introductory offer.
  4. Fill out the application form. Remember that you will need to provide personal details including your full name, date of birth, street address, Australian driver's licence number or passport number. If you haven't already signed up to the Qantas Frequent Flyer program, you'll need to do this and share your membership details to start earning Qantas Points with the credit card.
  5. Submit the application. You should get a response from the issuer within a few minutes, either on the webpage or via email. Once you receive conditional approval, follow the instructions from the credit card company to complete the application process and get your credit card.

There is a wide range of credit cards that allow you to earn Qantas Points for your everyday spending. So if you're looking for a way to get more frequent flyer points and perks, you can get started by comparing Qantas credit cards and introductory offers to see if there's one that suits your needs.

Frequently asked questions about Qantas credit cards

Want to know more about Qantas Frequent Flyer credit cards? Here, we've answered some of the most common questions we get about these cards. If you have your own question about Qantas credit cards, get in touch with us using the comment box below.

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254 Responses

  1. Default Gravatar
    STEPHENSeptember 9, 2019

    I have many points with another airline. Can I transfer these to Qantas If I took one of the above cards. We travel a lot. Cheers!

    • Avatarfinder Customer Care
      NikkiSeptember 11, 2019Staff

      Hi Stephen,

      Thanks for your message. It’s helpful to know that you can transfer other points to your Qantas frequent flyer program. Please refer to this page and you can find the rewards program you can transfer to Qantas and what you should be aware of when transferring reward points to the Qantas Frequent Flyer program with a bonus promotion.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    peterAugust 19, 2019

    Could you tell me if all credit card companies have the same eligible purchase policy in regards to what constitutes a NON ELIGIBLE PURCHASE and an eligible?

    Also, I have a CBA credit card as it partners with flight centre and I have 700,000 points but my points value is terrible so I’m looking at a Qantas card to replace it so I can get better value for points. I also want to enjoy lounges when I travel.

    • Avatarfinder Customer Care
      JeniAugust 20, 2019Staff

      Hi Peter,

      Thank you for getting in touch with Finder.

      Not all credit card issuers have the same list of included eligible purchases. It is best that you contact your chosen credit card issuer on your chosen card’s eligible purchases to earn points.

      The CommBank Awards program offers you awards points for everyday spending and it also gives you options for earning either Qantas or Velocity frequent flyer points. If you choose to apply for a credit card with free lounge access, please check out this page.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  3. Default Gravatar
    TraceJune 19, 2019

    What card would give me the highest amount of points for international travel? I am planning on being away for a year or so require a card tht can reward me with qantas points.

    • Avatarfinder Customer Care
      FayeJune 21, 2019Staff

      Hi Trace,

      Thanks for contacting Finder.

      I understand that you are looking for the highest amount of Qantas points for international travel.

      While we do not provide specific product recommendations, we can help guide you through the process of comparing options. On the page you’re on, we have a comparison table that provides a list of cards that offer Qantas points.You may sort them by ‘Rewards Points per $ spent’,the page will automatically provide you the card you are looking for. You may hover your mouse to the ‘i’ symbol to know the details about how much point you get earn.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Faye

  4. Default Gravatar
    BruceFebruary 28, 2019

    Hi,

    We joined Frequent Flyer (Bronze) 2 months ago, as yet no card. Is this normal?

    Thank you.

    Bruce

    • Avatarfinder Customer Care
      JeniMarch 2, 2019Staff

      Hi Bruce,

      Thank you for getting in touch with Finder.

      Please note that if you joined through the Qantas Club Service Centre, your membership card will be delivered within 14 days. Since you mentioned that it has been 2 months when you joined, kindly contact the Frequent Flyer Service Centre as soon as possible to report this matter. Additional info, Bronze Frequent Flyer Cards are only issued to eligible members residing in Australia. A Replacement Card Fee might be charged when a replacement card is issued. However, you may request to waive the said fee since you did not receive the initial membership card.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    AnneFebruary 15, 2019

    I have just joined Qantas Frequent Flyer and I am now a member. Will Qantas post me a frequent flyer card? I do not want a credit card just a reward card, and also how can I download a second app for Qantas Frequent Flyers on my phone for my husband as we only have 1 mobile between us?

    Thank you!

    Anne

    • Avatarfinder Customer Care
      JeniFebruary 16, 2019Staff

      Hi Anne,

      Thank you for getting in touch with finder.

      If you joined through the Qantas Club Service Centre, your membership card will be delivered within 14 days. Since you mentioned that you only have a mobile phone to access yours and your husband’s QFF accounts online, you may log in or log out on your/husband’s account to check your account online. I suggest that you contact the QFF centre for further assistance on the mobile app and your other queries on having QFF accounts.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  6. Default Gravatar
    MargaretJanuary 14, 2019

    On cleaning up an old cupboard I came across a letter with my Frequent Flyer membership number and my pin.
    I’m not a frequent flyer, but am planning to travel to Dublin on a Qantas flight in June. Do I have any points I can use?

    • Avatarfinder Customer Care
      NikkiJanuary 15, 2019Staff

      Hi Margaret,

      Thanks for getting in touch with finder. I’d love to help you out however finder is not affiliated with Qantas, therefore, we cannot check your account for you. It would be best to directly contact Qantas to check if there are any accumulated points to use under your name.

      Hope this clarifies!

      Best,
      Nikki

  7. Default Gravatar
    JaneOctober 29, 2018

    I already have black card for frequent flyers but would like to get another to gain more frequent flyer points,which one please also does emirates grant frequent flyer points I you travel with them

    • Avatarfinder Customer Care
      JohnOctober 29, 2018Staff

      Hi Jane,

      Thank you for reaching out to finder.

      While we do not provide specific product recommendations, we can help guide you through the process of comparing options.

      On the page you’re on, we have a comparison table that provides a list of cards that offer Qantas points. As well, Please click on this link to check on the Emirates Skywards Frequent Flyer Program. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    RobieJune 28, 2018

    I used to have an AMEX card and found that some retailers would charge a fee for the use. Is that still on-going .?

    • Avatarfinder Customer Care
      JhezJune 28, 2018Staff

      Hello Robie,

      Thank you for your comment.

      The main reason why you were charged a fee when using your Amex card is that Amex charges merchants higher fees than those other networks. This is because it operates on a different business model from most credit card issuers. Most credit card issuers make the bulk of their profits from interest, but American Express relies more on fees. And this is still ongoing up to these days. I hope this helps.

      Regards,
      Jhezelyn

  9. Default Gravatar
    MichaelMay 27, 2018

    I would like a Qantas rewards card with a balance transfer option for 15k. Is there anything you can suggest? My credit rating is 844.

    • Avatarfinder Customer Care
      JhezMay 27, 2018Staff

      Hello Michael,

      Thank you for your comment.

      Having a good credit rating is an edge to get approved for a credit card. I’d be listing the balance transfer credit cards that will let you earn Qantas points below:

      NAB Qantas Rewards Card
      NAB Qantas Rewards Signature Card
      Bank of Melbourne Amplify Card

      Before you submit an application, please check the eligibility criteria first. The reference page is here.

      I hope this helps.

      Regards,
      Jhezelyn

  10. Default Gravatar
    RobynMay 17, 2018

    Hi, Can my husband and I have a linked credit card? If so, could the card be in his name only (for business reasons) but I could be an authorised user?

Credit Cards Comparison

Updated December 11th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

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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