Qantas Frequent Flyer Credit Cards

qantas frequent flyer logo

Earn up to 75,000 bonus points, 1.5 points per $1 spent on eligible purchases and redeem your choice of rewards with a Qantas Frequent Flyer credit card.

Qantas Frequent Flyer credit cards let you earn Qantas Points per $1 spent so you can redeem rewards for your spending. Plus, some cards come with up to 75,000 bonus points when you sign up. If you want to earn Qantas Points as you spend, use this guide to understand how these cards work, for tips on how to compare Qantas credit cards and everything you need to know to get the most out of your frequent flyer credit card and rewards. 
Sponsorship - HSBC Platinum Qantas - QFF Offer - PE-28563

Qantas Frequent Flyer Credit Card Offer

Earn Qantas Points with HSBC Platinum Qantas Credit Card and benefit with complimentary insurance covers.

  • Receive 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within the first three months from card approval.
  • Earn 1 Qantas Point per $1 spent up to $2,500 per statement period when you use your card on eligible purchases made in Australia and overseas and earn 0.5 Qantas Points per $1 spent thereafter.
  • Enjoy complimentary international travel insurance.
  • Up to 55 days interest-free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date.
  • Offer available to new and approved applicants who apply by 31 December 2016.

    Compare Qantas Frequent Flyer Credit Cards

    Rates last updated December 10th, 2016
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    HSBC Platinum Qantas Credit Card
    HSBC Platinum Qantas Credit Card
    60,000 bonus points 1 0 $199 p.a. Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    100,000 bonus points 0 1 $450 p.a. Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    NAB Qantas Rewards Premium Card - Exclusive Offer
    75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
    American Express Qantas Premium Card
    American Express Qantas Premium Card
    30,000 bonus points 0 1 $249 p.a. Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    ANZ Frequent Flyer Platinum
    50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
    American Express David Jones - Qantas Rewards
    American Express David Jones - Qantas Rewards
    22,500 bonus points 0 0.75 $99 p.a. Go to site More info
    Westpac Altitude Black - Exclusive Offer
    Westpac Altitude Black - Exclusive Offer
    100,000 bonus points 1.25 3 $395 p.a. Go to site More info
    NAB Qantas Rewards Premium Card
    NAB Qantas Rewards Premium Card
    25,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Citi Qantas Signature Credit Card
    50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info

    How to use this table to compare Qantas cards

    1. Bonus points & points per $ spent. Qantas Frequent Flyer cards offer you reward points for spending money on daily purchases like petrol and groceries. These points can be put towards great gifts including the whole or partial cost of a flight. Most cards will also give you bonus points for signing up for the credit card. In some instances, the bonus points can be worth more than the annual fee of the credit card. Use the first three columns to discover the rewards potential of the card.
    2. Annual fee. The annual fees for these cards can range from around $0 up to over $500. There are some cards that offer a low annual fee for the first year, which then increases the next year. Make sure the fee is fair in terms of the rewards your being offered.
    3. Qantas Frequent Flyer Credit Card Reviews. If you click on the link under the card, 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.

    How do Qantas Frequent Flyer credit cards work?

    Earn Qantas Points for every $1 spent with credit cards linked to the Qantas Frequent Flyer program. Accumulate and redeem your Qantas Points from a range of rewards including flights, upgrades and shopping from the Qantas Store. Some of these cards can also help you gain a higher level of membership in the airline program (bronze, silver, gold) by earning more points and may offer other benefits such as Qantas Club entry or complimentary baggage allowance.

    Qantas Frequent Flyer credit cards often have higher annual fees and purchase rates, so it’s a good idea to look at all the features and consider whether the benefits outweigh the costs.

    Get complimentary Qantas Frequent Flyer membership and save

    How do you earn Qantas Points with a credit card?

    There are two main ways you can earn Qantas points with a credit card:

    1. Direct earning credit cards. These credit cards are directly linked to the Qantas Frequent Flyer program, with points going straight into your account. Getting a direct earn reward card, such as the American Express Qantas Discovery or the ANZ Frequent Flyer credit card, makes it easy to keep track of how many Qantas points you earn through using your card.These cards also tend to offer more perks directly related to the Qantas Frequent Flyer program. The HSBC Platinum Qantas card, for example, waives the Qantas Frequent Flyer membership fee if you are not already registered for the program (a saving of $89.50), while the AMEX Qantas Ultimate offers cardholders one complimentary domestic Qantas flight per year.
    2. Indirect earning cards. Reward credit cards can allow you to transfer rewards points to Qantas Points. This option can be great if you want more flexibility with your reward points or want to earn points with more than one frequent flyer program.
      • You'll need to link your frequent flyer rewards program to your credit card before you can start transferring points.
      • If you are considering a reward credit card that can indirectly earn Qantas Points, make sure you also look at the exchange rate and amount of points required to convert them to the Qantas Frequent Flyer program, as it varies from card to card. A credit card linked to the American Express Membership Rewards program, for example, can transfer one Membership Reward point for one Qantas Point, while a CommBank Awards credit card offers one Qantas Point for every two Awards 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 goals.

    How to maximise your Qantas Points earnings from 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. Some 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 though.
    • Earn rate. The number of points you earn can be as little as 0.25 or as much as 1.5 for every $1 you spend on the card. The higher this earning rate, the more points you will ultimately get from paying with plastic.
    • Dual card accounts. Generally, American Express credit cards have the highest earn rate when compared to MasterCard or Visa options but they are not as widely accepted. So some reward credit cards will come with both an American Express and MasterCard or Visa option to help you maximise rewards.
    • Uncapped vs capped points. A lot of reward credit cards limit the amount 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.
    • 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 use your Qantas Points and what rewards you can redeem

    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. As there are many factors to consider during your Qantas Frequent Flyer credit card comparison, we’ve simplified this process by outlining the key features you should consider when you want to get a Qantas rewards credit card.

    We’ve simplified this process by outlining the key features you should consider when you want to get a Qantas rewards credit card.

    Earning 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.
    • 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.

    Qantas Frequent Flyer Credit Cards bonus points offers 

    Bonus Qantas Frequent Flyer Points can provide a large boost to your existing Qantas Points balance so you can redeem for the rewards you want much sooner. Here are the main considerations you need to know when choosing your next bonus points boost:

    • Spend requirements. Qantas Frequent Flyer credit cards often include bonus points as an incentive for signing up. It is important to check the conditions for receiving the bonus points offer which often include a minimum required spend within 2-3 months of card approval.
    • 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 certain 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. Some Qantas Frequent Flyer credit cards have no annual fee in the first year and there are also a couple that have no annual fee for life. If the card does have an annual fee, make sure the annual fee doesn't outweigh the value of the Qantas Points you'll earn.
    • 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 short-term feature can be a great way to boost your points balance and save money on interest if you know you want to spend a lot on the card in the first few months.
    • Other fees. The other charges you may face vary from card to card and can include international transaction fees, late payment or overlimit fees and cash advance charges. Considering how you plan to use your card will help you work out which of these fees you may need to avoid when comparing Qantas Frequent Flyer credit cards.

    Extras features

    • 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.

    Considering all of these features and thinking about how likely it is you will use them can help you choose a card and get more value out of it in the long run.

    Mistakes to avoid with a Qantas credit card

    Watch out for these mistakes and issues to make sure your Qantas Frequent Flyer card doesn’t cost you more money than it’s worth:

    • Overspending. It can be tempting to spend as much as possible to earn more Qantas Points, which 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, you will be charged interest for the remaining debt. With the typically high standard rates of Qantas credit cards, this cost could quickly outweigh the benefits of the account.
    • Not comparing the annual fee to the potential rewards. The value of rewards and other features should always outweigh the cost of the annual fee. An easy way to work this out is by comparing the amount of points you are likely to earn (and the value of any rewards you can claim) against the annual fee.
    • Not checking the standard features. It can be easy to get carried away with a great promotional offer. Some credit cards have introductory offers such as lower purchase rates, balance transfer rates or reduced annual fees. If you don’t check the standard features, you could end up with a nasty and expensive surprise after the first 12 months.
    • 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.
    • Not using complimentary extras. Credit card perks such as international travel insurance only add value to the account if you actually use them. So only factor in the potential value of these extras if they are useful to you.

    How to apply for a Qantas Frequent Flyer credit card

    Follow these steps to quickly and easily apply for your next Qantas Frequent Flyer credit card.

    1. Compare. Use the reviews on finder and weigh up the features of several Qantas Frequent Flyer credit cards to find one that suits your needs.
    2. Apply online. Select the ‘Go to site’ button and you will be taken to a secure application page.
    3. 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.
    4. 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. Credit card issuers also request supporting documentation, such as copies of your passport and driver's licence to help identify you, so keep them handy and provide them as instructed.
    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.

    Once this process is complete, your new Qantas Frequent Flyer credit card will be issued. Usually you will get it within 5-10 business days but it could be as many as 21 days before you receive the card, so make sure you check with your issuer to find out more.

    Qantas Frequent Flyer Cash Cards

    Frequently asked questions

    Do I have to join the Qantas Frequent Flyer scheme?

    Yes. Cardholders will have to join the Qantas Frequent Flyer program if they want to earn Qantas Points. Check to see if your card gives you free Qantas Frequent Flyer membership.

    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

    Go to the Qantas Points website to log in

    2. Press the 'Log in' button

    Qantas Login Enter Your Details, Membership Number, Last Name and PIN

    3. Check your Qantas Points balance

    Qantas-Points-Balance (1)

    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 or 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.

    Qantas Frequent Flyer credit cards can be a great way to earn points and get rewards faster through everyday spending. So now you know more about these cards, you can compare different options and consider your own circumstances to find a credit card that really works for you.

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    194 Responses to Qantas Frequent Flyer Credit Cards

    1. Default Gravatar
      Sue | November 7, 2016

      How many Qantas points do I need to hire a small automatic car for 4 days?(Pick up 12.00 on day 1, return 15.30 on day 4)

      • Staff
        May | November 10, 2016

        Hi Sue,

        Thanks for your question.

        Depending on what type of vehicle. You’d be best to visit Qantas’ website to check the how many points you should use.

        Cheers,
        May

    2. Default Gravatar
      Derek | October 19, 2016

      Can we convert Qantas Frequent Flyer points for US Dollars as a Platinum frequent flyer?

      • Staff
        Jason | October 20, 2016

        Hi Derek.

        Thank you for your inquiry.

        Qantas Frequent Flyer points are not convertible to US Dollars but you can use them to redeem flights, hotel packages, gift cards and products.

        Cheers,
        Jason

    3. Default Gravatar
      P | October 13, 2016

      Forgot Pin No. Please advise

      • Staff
        May | October 13, 2016

        Hi P L Lee,

        Thanks for your comment. Please note that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service.

        To be able to assist you further, may I ask which credit card you are referring to? It’s also best to get in touch with your bank directly if you need assistance in retrieving your PIN.

        Cheers,
        May

    4. Default Gravatar
      Ahmed | August 19, 2016

      Hi I currently hold an Amex Platinum (business) card. What I like about is the reward points that can use for both qantas and non qantas. However $1500 annual fee plus vendors charging me 4% transaction fees makes me want to switch to a Visa or MC.
      Is there a card Visa or MC with similar reward scheme ?

      Thanks

      • Staff
        May | August 31, 2016

        Hi Ahmed,

        Thank you for your inquiry.

        Sorry for the delayed reply. On this page, you may compare your frequent flyer card options with Visa logo. Please note that these are personal credit cards that can be linked to your frequent flyer account like Qantas.

        Hope this helps.

        Cheers,
        May

    5. Default Gravatar
      | July 9, 2016

      I have lost my card, how do I apply for a new one

      • Staff
        Anndy | July 9, 2016

        Hi Doris,

        Thanks for your question.

        If you can tell me what credit card you are referring to, I will be able to assist you.

        Alternatively, you can directly call your bank’s customer support to request a replacement card.

        Cheers,
        Anndy

    6. Default Gravatar
      Stephen | July 6, 2016

      What CC would you suggest for employee business expenses – i.e. to keep expenses incurred from work seperate so they can be claimed and re-imbursed later (for me this includes mainly local and international work travel and expenses).

      In this situation balance transfers, insurance, and interest rates are largely irrelevant, whilst I am interested in a low annual fee, Rewards points (either Qantas or CC), and world wide acceptance (so only AMEX if it has dual functionality).

      • Staff
        May | July 7, 2016

        Hi Stephen,

        Thanks for your inquiry.

        Just to confirm, though, as finder.com.au is a comparison website, we’re unable to recommend one specific credit card to our users as the best option depends entirely on your own financial status, preferences and needs.

        Nevertheless, please feel free to check this page where you can find information and guide on how to select a business credit card that matches your everyday business spending while helping you manage your expenses with convenience.

        In the meantime, most business credit cards’ annual fees are in more than a hundred to $1,500 in range. Annual fees for business cards are somewhat high especially if rewards systems or frequent flyer points are attached to the card.

        As for the worldwide acceptance of the card – credit cards with Mastercard, Visa or AMEX logo are generally globally accepted.

        I hope this is helpful.

        Cheers,
        May

    7. Default Gravatar
      Tom | June 14, 2016

      Qantas also appear to have a cash card which is not covered in the comparison material here (btw the material is otherwise very comprehensive; well done). Can you advise what overseas transaction fees are associated with the Qantas Cash card and also whether the exchange rates spreads make it a good choice.
      Also, while on the subject of cash cards and credit cards, which are most to likely to offer consumers the most attractive exchange rate spreads?

      • Staff
        Ysa | June 15, 2016

        Hi Tom,

        Thanks for leaving your feedback.

        However, please be gently reminded that you have come through to finder.com.au, a comparison website, and is not in the position to recommend specific products or issuers.

        To answer your question though, if you withdraw cash from an ATM outside Australia, an overseas ATM withdrawal fee applies. For a full list of currencies, rates and fees associated with this account, kindly refer to our Qantas Card with Qantas Cash review page.

        I hope this helps.

        Cheers,
        Ysa

    8. Default Gravatar
      Sim | April 21, 2016

      Do I have to be an existing Qantas Frequent Flyer member before applying for this card, or will applying for this card give me free membership to the Qantas FF program?

      • Staff
        Sharon | April 21, 2016

        Hi Sim,

        Thanks for your inquiry.

        Once your application gets approved, you will be eligible to receive a complimentary Qantas Frequent Flyer membership offered by ANZ (saving you $89.50). You may refer the benefits section of this page for more details.

        Cheers,

        Sharon

    9. Default Gravatar
      Amy | April 6, 2016

      new card

      • Staff
        Ysa | April 7, 2016

        Hi Amy,

        Thanks for coming through creditcardfinder.com.au.
        To allow me to assist you further, was there a specific question you had about Qantas Frequent Flyer Credit Cards?

        Cheers,
        Ysa

    10. Default Gravatar
      | March 19, 2016

      Hi,

      If I have held one of the HSBC cards previously that gave me Qantas points, it’s been closed over 12monthd, would I be eligible to apply for a new one and obtain the points?

      Thanks
      Stephen

      • Staff
        Ysa | March 20, 2016

        Hi Stephen,

        As long as you have not been a primary cardholder of any card products offered by HSBC within the last 12 months, you will be eligible to apply for a new one and take advantage of the points offer.

        Cheers,
        Ysa

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