You can use a Qantas credit card to earn frequent flyer points per $1 you spend on everyday purchases. These cards also regularly come with thousands of bonus points when you sign up and meet the offer's spending requirements.
Depending on the card, you could also enjoy other travel perks, such as airport lounge access, complimentary travel insurance and concierge services. You must be a Qantas Frequent Flyer member to earn Qantas Points with these cards. If you're not already a frequent flyer, some cards come with complimentary Qantas Frequent Flyer membership.
You can usually only earn Qantas Points on eligible transactions, which usually includes 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. Bonus points can vary between 20,000 and 120,000 Qantas Points depending on the card. You usually 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 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 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 promotional period, so you may need to apply before a set date to earn the additional points.
The earn rate refers to how many points you'll collect per $1 spent on eligible purchases.
Qantas Points per $1 spent. 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. 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 regular spending exceeds this points cap, look for an uncapped card or one that has a cap above your average monthly spending level. This will help ensure you're not limited in how many Qantas Points you can earn.
Rates and fees
Annual fee. Standard annual fees for Qantas Frequent Flyer credit cards range from $79 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 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% p.a. If you don't pay your balance off in full each month, interest charges could quickly outweigh 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, 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 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 Qantas Club invitations and airport lounge passes, international travel insurance, complimentary flights and upgrades, 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 there is another annual fee for additional cardholders.
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 Frequent Flyer benefits, it's important to compare the credit card's standard fees and features before you apply so that you can decide if the perks outweigh the costs.
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 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.
There isn't one "best" Qantas credit card, because everyone has different preferences and goals when it comes to features such as earning points and account costs.
So instead of looking for a single "best" Qantas credit card, you can find a card that suits your circumstances by comparing different Qantas credit cards based on your spending habits and goals. The key features to consider include:
Bonus Qantas Point offers
Standard earn rate (Qantas Points per $1 spent)
The interest rate for purchases
The annual fee
Other fees and charges, such as overseas transaction fees
Complimentary perks such as travel insurance or airport lounge access
You can use the comparison table on this page to sort credit cards based on features including bonus point offers, earn rates, interest rates and annual fees. Then click "More info" to read a full review of the card and find out if you're eligible to apply.
The card that will award you with the most frequent flyer points will depend on how you plan to use it. You can use the comparison table above to sort the cards by their earn rates and bonus points to see which cards could potentially offer you the most points.
Many Qantas credit cards offer introductory bonus points when you're a new card member. To collect these points, you usually have to meet a spending requirement within the first few months you have a card. For example, you might need to spend $1,500 in the first 3 months. These requirements are different for each offer.
The bonus Qantas Points will be added to your frequent flyer account after you have met the offer requirements specific to your new Qantas credit card. Usually, you'll get the points within eight weeks of meeting the spend requirement, although it does vary from card to card. Check the fine print for an offer to find out exactly when your Qantas Frequent Flyer account will be credited with bonus points.
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.
The points you earn on a Qantas credit card will be credited to your Qantas Frequent Flyer account at specific, regular intervals. Usually, Qantas Points are calculated at the end of each credit card statement period. They will then be credited to your Qantas Frequent Flyer account within several days of the end date for that statement period.
You can check the terms and conditions for your Qantas credit card or contact your provider for more specific information about how points are calculated and credited to your frequent flyer account.
This depends on the amount of points per $1 your card earns and where you want to fly. But as an example, you could get a one-way economy Classic Flight Reward from Sydney to Melbourne for 8,000 points. Now, let's say you have a credit card that earns 1 Qantas Point per $1 spent and usually spend $2,000 per month on it. At this rate, it would take you 4 months to redeem a reward flight between Sydney and Melbourne.
Alternatively, if you have at least 5,000 Qantas Points, you can use the Points Plus Pay option to book your flight with a combination of points and cash.
Yes, the Qantas Money credit card. Other banks and credit card issuers in Australia also offer cards that are linked to the Qantas Frequent Flyer program.
Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.
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