Qantas Frequent Flyer Credit Cards
Compare Qantas Frequent Flyer credit cards that offer up to 120,000 bonus Qantas Points on signup and earn rewards for your everyday spending.
Earn up to 130,000 bonus Qantas Points
Eligibility criteria, terms and conditions, fees and charges apply
NAB Credit Card Offer
Earn up to 130,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
- 100,000 bonus Qantas Points (spend $3,000 within the first $3,000 days) and 30,000 after 12 months
- First year annual fee of $295 ($395 p.a. thereafter)
- 19.99% p.a. purchase interest rate | 21.74% p.a. cash advance rate
- Minimum credit limit of $15,000
Qantas Frequent Flyer credit cards give you a way to earn Qantas Points for every $1 you spend on eligible purchases – including groceries, dining, petrol and retail items. You can also get thousands of bonus points when you apply for a Qantas credit card with an introductory offer.
Use this guide to compare Qantas Frequent Flyer credit cards and get tips for earning more points with a Qantas credit card. We also look at common mistakes to avoid so that you can get the most out of your credit card and your Qantas Frequent Flyer rewards.
Compare Qantas Frequent Flyer Credit Cards
What you'll find in this Qantas Frequent Flyer credit card guide
How do Qantas Frequent Flyer credit cards work?
You can use a Qantas credit card to earn frequent flyer points per $1 spent on everyday purchases, which you can then redeem for flights, upgrades, gift cards and other rewards. As well as points per $1 spent, Qantas Frequent Flyer credit cards regularly offer thousands of bonus points when you sign up for a new card and meet the introductory offer's spending requirements. This can boost your points balance and help you get rewards faster.
Depending on the card, you could also enjoy other travel perks, such as airport lounge access, complimentary travel insurance and concierge services. A key point to note: you must be a Qantas Frequent Flyer member to earn Qantas Points with these credit cards. If you're not already a frequent flyer, some cards offer complimentary Qantas Frequent Flyer membership.
What are eligible purchases that earn points?
You can usually only earn Qantas Points on eligible transactions, which usually covers 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. It is typical for bonus point offers to vary between 20,000 and 140,000 Qantas Points, depending on the card. You 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 the offer's spend requirement fits 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 limited time, which means you need to apply before an offer's end date if you want to earn the additional points.
The earn rate refers to how many points you collect per $1 spent on eligible purchases. This rate has a huge influence on the overall value of this type of card, so make sure you look at the following details when comparing different options.
- Qantas Points per $1 spent. 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 monthly spending is usually higher than the points cap amount, look for an uncapped card or one with a cap that is above what you think you'll spend each month. This will help you avoid being limited in how many Qantas Points you can earn with your card.
Rates and fees
- Annual fee. Standard annual fees for Qantas Frequent Flyer credit cards range from $49 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 has an annual fee, make sure the cost doesn't cancel out the value of the Qantas Points you 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 purchase interest 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 offset the value you're getting from your Qantas Points.
- Promotional interest rates. Some Qantas credit cards come with a 0% interest on purchases or a 0% balance transfer offer during the introductory period. This can be a good way to cut interest costs while earning points in the first few months of having 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 up costing more than the value you get from earning Qantas Points.
- Complimentary extras.Qantas credit cards can come with a range of other perks, including airport lounge passes and Qantas Club lounge invitations, complimentary travel insurance, complimentary flights or travel credit, 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 another annual fee is charged for additional cardholders.
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 when you want 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 carry a balance.
- 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 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.
- 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 you 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 cards. You can 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 requirements you need to meet for an introductory offer.
- 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.
- 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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* 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.