Earn Qantas Points for your everyday spending, compare bonus point offers and get rewards faster with a Qantas Frequent Flyer credit card.
Use this guide to compare Qantas Frequent Flyer credit cards and apply for one today. You can also explore the different features available, get tips for earning more points with a Qantas credit card and find out about mistakes to avoid so that you can get the most out of your credit card and your Qantas Frequent Flyer rewards.
Receive 100,000 bonus
Offer ends 9 April 2018
Eligibility criteria, terms and conditions, fees and charges apply
Qantas Frequent Flyer Credit Card Offer
The Qantas American Express Ultimate Card offers 100,000 bonus Qantas Points, complimentary travel benefits and up to 2.5 Qantas Points per $1 spent on eligible purchases.
- Receive 100,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new card in the first 3 months.
- Receive a yearly $450 Qantas Travel Credit to spend on eligible international or domestic Qantas flights booked via Amex Travel.
- Get 4 complimentary airport lounge invitations per year (2 Qantas Club and 2 American Express Airport Lounge passes).
- Earn 1.5 Qantas Points per $1 spent (0.5 points on government spend) and 1 additional point on Qantas Australia spend.
Compare Qantas Frequent Flyer Credit Cards
Credit Cards with Qantas Points – trending now
Compare the features of these frequent flyer credit cards that earn Qantas Points.
- Qantas American Express Premium Card. This card offers you 30,000 bonus points and an earn rate of up to 1.25 points per $1 spent.
- HSBC Platinum Qantas Credit Card. Offers an introductory 60,000 bonus points and an earn rate of up to 1 point per $1 spent.
- ANZ Frequent Flyer Black. A top-tier credit card with a 75,000 bonus points offer and an earn rate of up to 1 points per $1 spent.
- Citi Qantas Signature Credit Card. This premium card offers 50,000 bonus Qantas Points and earns up to 0.5 points per $1 spent.
How to get bonus frequent flyer points with a new credit card
What you'll find in this Qantas Frequent Flyer credit card guide
How do Qantas Frequent Flyer credit cards work?
With a Qantas Frequent Flyer credit card, you can earn Qantas Points per $1 spent on eligible purchases. These points will then be added to your frequent flyer account, where you can redeem them for rewards including flights, flight upgrades and travel packages.
Some Qantas Frequent Flyer credit cards also come with other travel perks and extras, such as complimentary travel insurance, airport lounge passes or concierge services. But, like most frequent flyer credit cards, Qantas credit cards often have high annual fees and interest rates. So make sure you look at all of the features, compare your options and work out if the benefits outweigh the costs for you.
How can I earn Qantas Points with a credit card?
To earn Qantas Points, you need to add your Qantas Frequent Flyer account details to your credit card account and then use the card to make eligible purchases. There are two main types of credit cards that earn Qantas Points:
- Direct earning Qantas credit cards. These credit cards are directly linked to the Qantas Frequent Flyer program, with Qantas Points going into your frequent flyer account when you use the card to make eligible purchases. These cards tend to offer more perks directly related to the Qantas Frequent Flyer program, such as complimentary domestic flights with Qantas and Qantas Club airline lounge passes.
- Opt-in Qantas reward credit cards. Rather than earning Qantas Points directly, some rewards credit cards give you an optional way to earn Qantas Frequent Flyer points instead of credit card reward points. These cards are sometimes known as "indirect earning" cards. For example, with the St.George Amplify Signature you can choose to earn Qantas Points per $1 spent instead of Amplify points. With this option, the amount of Qantas Points you earn is usually different to the points you'd earn if you were enrolled in the card's default rewards program. Note that some indirect earning cards may apply an additional fee when you choose to earn Qantas Points.
Both direct and indirect earning cards come with a wide range of features and potential benefits, so comparing these options before you apply will help you find a credit card that is suited to your lifestyle and rewards goals.
What are eligible purchases?
Eligible purchases cover most of your everyday spending on a Qantas Frequent Flyer credit card, such as your groceries, petrol and travel bookings. But transactions that usually don't earn points include cash-equivalent transactions such as balance transfers, cash advances and government payments. As this can vary between cards, you may want to check the product disclosure statement or contact your issuer for full details of when you will and won't earn points for a specific Qantas rewards card.
How can I earn more Qantas Points with a credit card?
The amount of Qantas Points you earn with a frequent flyer credit card depends on a wide range of factors, but you can boost your balance by considering the following features:
- Sign up bonus offers. Many Qantas Frequent Flyer credit cards offer bonus points for new customers when you sign up and meet the spending requirements. For example, you might have to spent $1,500 in the first 3 months to get the bonus points. These offers cans give you thousands of points in one go. Make sure you familiarise yourself with the terms and conditions before applying.
- Earn rate. The number of Qantas Points you earn with a credit card can be as little as 0.25 or as much as 2 for every $1 spent. The higher this earn rate, the more points you will receive for your credit card spending.
- Uncapped vs capped points. Some Qantas credit cards limit the number of points you can earn each month. If you plan to spend a lot on credit to earn Qantas Points, look for an uncapped card or one that has a cap above your average monthly spending level. This will help ensure you're not limiting your points-earning potential.
- Additional cardholders. Some Qantas credit cards let you request a supplementary card for a partner or family member, which means they can use the card to make purchases and earn rewards. Just make sure you factor this into your repayments and check whether or not there is a fee for getting additional cards.
How to compare different Qantas credit card offers
With so many different Qantas Frequent Flyer credit cards on the market, comparing options makes it easier to find a card that works for you. To help you make an informed decision, we've highlighted the major factors you should consider when comparing Qantas Frequent Flyer credit cards.
Earning Qantas Points
- Points per dollar. 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. Keep in mind some Qantas credit cards may earn a higher standard rate for overseas purchases, or if it has both an Amex and Mastercard or Visa option.
- Points cap. Make sure your average monthly spending is less than any points cap to maximise your rewards. Otherwise, you'll want to look for a card with a higher points cap to ensure you're not limiting your potential to earn Qantas Points through the credit card.
- Bonus points. Sign-up bonus points can give you a huge amount of extra value when you choose a card. Compare offers and check the requirements to get the most out of this introductory feature.
Bonus Qantas Points offers
Some Qantas Frequent Flyer credit cards offer thousands of bonus Qantas Points on sign up. However, specific terms and conditions apply for these promotions, so keep an eye out for these details:
- Spend requirements. Some credit cards require you spend a certain amount in a set period to collect 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 cardholders, so you may be unable to take advantage of the offer if you already have a credit card with the bank offering the extra points.
- Promotion dates. 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.
Rates and fees
- Annual fee. Standard annual fees for Qantas Frequent Flyer credit cards range from $79 to $450 or more. Depending on the card, some Qantas Frequent Flyer credit cards have no 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%. If you miss a repayment and start accruing interest, these costs could quickly counteract 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.
- Other fees. Some other common costs you could expect include international transaction fees, late payment or overlimit fees and cash advance charges. Similar to when you're considering the annual fee, you should ensure that these costs don't counteract the value of the points you'll earn.
- 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.
- Complimentary extras. Qantas credit cards can come with a range of other perks, including international travel insurance, complimentary flights, complimentary upgrades, hotel stays, airport lounge access, extended warranty coverage and purchase protection insurance.
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 rewards program benefits through a credit card, it's important to compare the standard fees and features of the card before applying.
- Making new purchases when you have transferred a balance to a Qantas credit card. If you transfer a balance to a Qantas credit card with a low or 0% promotional balance transfer rate, you will be charged interest on new purchases from the day they are made. While these purchases will earn you points, the additional interest costs will add to your balance and increase your overall credit card debt, taking value away from the rewards. Compare 0% balance transfer and 0% purchase credit cards to avoid this pitfall.
- 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:
- 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.
- 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.
- Read through the terms and conditions. Check the fine print to make sure you understand all of the details and any conditions required for introductory offers.
- Fill out the application form. Remember that you will need to provide personal details including your full name, date of birth, street address, driver's licence number and/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.
- 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.
Once this process is complete, your new Qantas Frequent Flyer credit card will be issued to you within 5-10 business days. While it can take up to 21 days before you receive your card, contact your issuer if you want to confirm when you can expect it to arrive.
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 a specific question about Qantas credit cards, you can also let us know by filling in the form below.