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 Card
The Qantas American Express Ultimate Card offers 75,000 bonus Qantas Points,
75 Bonus Status Credits and up to 2.5 Qantas Points per $1 spent on eligible purchases.
- Receive 75,000 bonus Qantas Points when you apply, are approved and spend $1,500 in the first 3 months from card approval.
- Earn 75 Bonus Status Credits when you book and fly return with Qantas by
30 September 2017.
- Earn up to 2.5 Qantas Points per $1 spent on eligible purchases (uncapped).
- Enjoy a complimentary Qantas domestic return economy flight each year after your first eligible spend.
- New card members only. Eligibility criteria, T&Cs, fees and charges apply.
Compare Qantas Frequent Flyer Credit Cards
The finder.com.au best* Qantas Frequent Flyer credit cards
Compare some of the most competitive earn rates and bonus points that come with the Qantas Frequent Flyer credit cards below.
|Credit Card||Bonus Points Available||Points per $ spent|
|Qantas American Express Premium Card||60,000||1.25|
|NAB Qantas Rewards Premium Card||1.5|
|ANZ Frequent Flyer Black||75,000||0.5|
|Citi Qantas Signature Credit Card||50,000||1|
How to use this table to compare Qantas credit cards
- 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 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 can range between $0 to over $500. You should ensure that the value of the points you can earn on your purchases within a year will outweigh this annual fee. Otherwise, you won't receive any extra value from the card.
- Qantas Frequent Flyer credit card reviews. If you click on the link under the card title, 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.
Qantas Frequent Flyer Credit Card Guide
How do Qantas Frequent Flyer credit cards work?
Qantas Frequent Flyer credit cards allow you to earn Qantas Points for every $1 you spend on eligible purchases with the card. These usually exclude 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. As you spend and earn more points with your Qantas Frequent Flyer credit card, you'll also move up the Qantas membership tiers to Bronze, Silver and Gold Status. As you ascend the tiers, you'll enjoy benefits such as higher earn rates (to earn more points per $1), Qantas Club entry or complimentary baggage allowance.
Like most frequent flyer credit cards, Qantas Frequent Flyer cards often have higher annual fees and purchase rates, though. So make sure to consider all of the features, compare your options and ensure the benefits outweigh the costs.
How do you earn Qantas Points with a credit card?
You can earn Qantas Points by linking your Qantas Frequent Flyer account with your credit card and using the card to make eligible purchases. However, there are two types of credit cards that you can use to earn Qantas Frequent Flyer Points on everyday purchases:
- Direct earning 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. 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 with 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 Qantas AMEX Ultimate Card offers cardholders one complimentary domestic Qantas flight per year.
- Indirect earning cards. Rather than earning Qantas Points directly, some rewards credit cards let you transfer your points to your Qantas account as well as other partnered frequent flyer programs. This can be a beneficial option if you want more flexibility when redeeming your reward points or want to earn points with more than one frequent flyer program.
If you get an indirect earn credit card, you'll need to connect your card to the relevant frequent flyer account before you can start transferring your points. Exactly how many Qantas Points you'll earn will also vary from card to card. For example, a credit card linked to the American Express Membership Rewards program 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 rewards 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 receive for every dollar you spend on 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 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 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. For example, you might be required to spend $1,500 in the first three months of owning the card to earn 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. Select the ‘Go to site’ button and you will be taken to a secure 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. 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. 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. 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
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 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.Back to top