Enjoy bonus Qantas Points on sign-up, points per $1 spent on everyday purchases and a range of other perks with a Qantas Frequent Flyer credit card.
Compare Qantas Frequent Flyer Credit Cards
How to use this table to compare Qantas credit cards
- Bonus points and points per $1 spent. Qantas Frequent Flyer cards offer you reward points for spending money on daily purchases such as petrol and groceries. These points can be used to redeem flights, upgrades, gift cards, merchandise and more. Some Qantas Frequent Flyer credit cards also offer bonus points on sign up, although you may be required to meet a spend requirement to collect them. Use the first three columns to discover the rewards potential of the card.
- Annual fee. The annual fees for these cards range from $0 to $300 or more. Think about whether the value of the points you can earn on your purchases each year will outweigh this annual fee. Otherwise, you won't receive any extra value from the card.
- Qantas Frequent Flyer credit card reviews. When you see a card that interests you, click on the link under the card title and you'll be taken to a complete review where you can compare the full list of rates, fees, features, eligibility requirements and benefits of the card.
The finder.com.au best* Qantas Frequent Flyer credit cards
Compare some of the most competitive earn rates and bonus points offers available with the Qantas Frequent Flyer credit cards below.
|Credit Card||Bonus Points Available||Points per $ spent|
|Qantas American Express Premium Card - Exclusive Offer||50,000||1.25|
|HSBC Platinum Qantas Credit Card||60,000||1|
|ANZ Frequent Flyer Black||75,000||1|
|Citi Qantas Signature Credit Card||50,000||0.5|
What you'll find in the 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 your everyday purchases. This usually includes your supermarket shopping, petrol, travel bookings and other everyday expenses but excludes cash-equivalent transactions such as balance transfers, cash advances and government payments. As you spend and accumulate Qantas Points, you can redeem your points for rewards including flights, flight upgrades, travel packages and shopping with some of Australia's most popular brands via the Qantas Store.
Like most frequent flyer credit cards, Qantas Frequent Flyer cards often have higher annual fees and purchase rates. So make sure to consider all of the features, compare your options and ensure the benefits outweigh the costs.
How can I earn Qantas Points with a credit card?
To earn Qantas Points, you need to link your Qantas Frequent Flyer account with your credit card and using the card to make eligible purchases. There are two main types of credit cards that you let you do this:
- Direct earning Qantas credit cards. These credit cards are directly linked to the Qantas Frequent Flyer program, with points going straight into your 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.
- Indirect earning cards. Rather than earning Qantas Points directly, some rewards credit cards let you opt-in to earn Qantas Frequent Flyer points instead of credit card reward points. 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 Qantas Points you earn are then transferred to your Qantas Frequent Flyer account at the end of each statement period. Note that some indirect earning cards may apply an additional fee for opting-in to earn Qantas Points.
Both direct and indirect earning cards come with a wide range of features and potential benefits, so comparing before you apply will help you find a credit card that is suited to your lifestyle and rewards goals.
How can I maximise the amount of Qantas Points I earn 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 spend a set amount of money in the first few months, often leading to thousands of additional points for your account. Make sure you familiarise yourself with the terms and conditions before applying.
- Earn rate. The number of points you earn can be as little as 0.25 or as much as 2 for every $1 you spend on the card. The higher this earning rate, the more points you will receive for every dollar you spend on plastic.
- Dual card accounts. If you have a card that offers both American Express and Visa or Mastercard, you may find that you'll earn more points per dollar depending on the card you're using. So, using the card with the higher earn rate can help give your points balance a boost.
- Uncapped vs capped points. A lot of reward 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 reward 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 gives you a better chance of finding 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.
- 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 points.
- 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 points offers
Some Qantas Frequent Flyer credit cards offer tens to hundreds of thousands of bonus Qantas Points on sign up. However, as terms and conditions apply, you should familiarise yourself with the following considerations before applying for a card based on the bonus points offer:
- 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 every month, you will get access to interest-free days, which 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 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 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 a Qantas rewards program, 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 Frequent Flyer 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, select 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, drivers 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 to start earning Qantas Points.
- 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
Do I have to join the Qantas Frequent Flyer scheme?
Yes, you will have to join the Qantas Frequent Flyer program if you want to earn Qantas Points with a credit card. Some cards offer complimentary Qantas Frequent Flyer membership for new customers by providing a special sign-up link. This is usually included in the terms and conditions for the card.
How do I check my Qantas Frequent Flyer points balance?
Your credit card statement will include details of how many points you have earned during the billing period. You can also check how many Qantas Points you have at any time by logging into your Qantas Frequent Flyer account online.
How to check your Qantas Points balance
1. Go to the Qantas Points website
2. Press the 'Log in' button
3. Check your Qantas Points balance
What if my application for a Qantas Frequent Flyer credit card is declined?
There are many reasons a credit card application could be declined, including:
- Not providing all the necessary information in the application
- Not submitting supporting documentation
- Not meeting the eligibility requirements
- Having poor credit history.
Check these factors to see if this situation can be easily resolved, or if you may want to take some more time comparing options to find a card that is suitable for you.
Will I earn Qantas points for every transaction I make on my credit card?
No. While most purchases are considered "eligible transactions" that earn points, there are some that don’t qualify. These can vary from card to card and could include cheques, cash advances (such as ATM withdrawals), BPAY payments, interest charges, government charges and business related expenses.
Can I earn bonus points for signing up to a credit card and then cancel it?
Assuming you meet the criteria for the bonus points, once they are credited to your account you can cancel your credit card at any time. Just remember that cancelling a card could attract fees and any credit activity – including applications and cancellations – could also affect your credit history. Taking these factors into account a good strategy can be to apply for a card that maximises your bonus points earnings. You can compare frequent flyer cards and their bonus points amounts on this page.