Compare Qantas Frequent Flyer credit cards that offer up to 120,000 bonus Qantas Points on signup and earn rewards for your everyday spending.
Use this guide to compare Qantas Frequent Flyer credit cards and tips for earning more points with a Qantas credit card and learn about mistakes to avoid so that you can get the most out of your credit card and your Qantas Frequent Flyer rewards.
Receive up to 40,000 bonus Qantas Points
Offer ends 31 August 2018
Eligibility criteria, terms and conditions, fees and charges apply
Qantas Money Credit Card Offer
A frequent flyer card that features bonus points, a first year annual fee waiver and complimentary insurance covers.
- $0 p.a. annual fee for the first year ($49 p.a. thereafter).
- 19.99% p.a. on purchases
- Cash advance rate of 21.99% p.a.
- Up to 55 days interest free
- Minimum income requirement of $35,000 p.a.
Compare Qantas Frequent Flyer Credit Cards
Best Qantas Credit Cards* – trending now
Compare the introductory offers and features available on these credit cards with Qantas Points.
- American Express Westpac Altitude Black Bundle - Qantas. Get up to 120,000 bonus Qantas Points when you meet the spend requirements and earn uncapped Qantas Points per $1 spent with both an Amex card (issued by American Express) and a Mastercard (issued by Westpac).
- NAB Qantas Rewards Signature Card. Get 90,000 bonus Qantas Points when you meet the spend requirements and earn up to 12,500 Qantas Points per statement period for your eligible spending.
- Qantas American Express Ultimate Card. Offers an introductory 55,000 bonus Qantas Points when you apply online and meet the spend requirements, plus 1.5 points per $1 on most eligible purchases.
- Bank of Melbourne Amplify Signature. Collect 90,000 bonus Qantas Points when you meet the spend requirements and earn 1.5 points per $1 spent on eligible purchases (uncapped).
How to get bonus frequent flyer points with a new credit card
What you'll find in this Qantas Frequent Flyer credit card guide
How do Qantas Frequent Flyer credit cards work?
A Qantas credit card gives you a way to earn frequent flyer points per $1 spent on your everyday purchases. Depending on the card, you could also enjoy other travel perks, such as airport lounge access, complimentary travel insurance and concierge services.
As well as these ongoing benefits, some Qantas Frequent Flyer credit cards come with introductory offers that allow you to get thousands of bonus Qantas Points when you sign up for a new card and meet the offer's spending requirements. You'll also usually pay an annual fee and interest charges if you carry a balance, so make sure you factor these costs into your comparison to decide if the benefits will outweigh the costs for you.
How can I earn Qantas Points with a credit card?
To earn Qantas Points, you need to add your Qantas Frequent Flyer membership details to your credit card account and then make eligible purchases with the card. The points you earn will then be added to your frequent flyer account, where you can redeem them for rewards including flights, flight upgrades and travel packages.
Do I need to enrol to earn Qantas Points?
While some credit cards link to your Qantas Frequent Flyer account as soon as you add your membership details, other cards give you a choice between earning credit card reward points or Qantas Points. This includes CommBank Awards credit cards, St.George Amplify Rewards cards, Westpac Altitude Rewards cards and both the Citi Rewards Signature and Citi Rewards Prestige credit cards.
With this option, you need to make sure you choose the Qantas Rewards stream and provide your Qantas Frequent Flyer membership details before you can start earning Qantas Points. Keep in mind that there is often an additional fee for choosing the Qantas Points option and the amount of Qantas Points you earn is usually different to the points you'd earn if you were enrolled in the card's default rewards program.
What are eligible purchases?
Eligible purchases cover most of your everyday spending on a Qantas Frequent Flyer credit card, such as your groceries, petrol and travel bookings. But transactions that usually don't earn points include cash-equivalent transactions such as balance transfers, cash advances and government payments. Eligible purchases can vary between credit cards, so check the product disclosure statement or contact your issuer for full details of when you will and won't earn points for a specific Qantas rewards card.
How can I earn more Qantas Points with a credit card?
These frequent flyer credit card features can help boost your Qantas Point balance:
- Sign up bonus offers. Many Qantas Frequent Flyer credit cards offer introductory bonus points when you sign up as a new cardholder and meet the spending requirements. For example, you might have to spend $3,000 in the first 3 months to get the bonus points. These offers cans give you thousands of points in one go but make sure you look at the terms and conditions so you know exactly what you need to do.
- Earn rate. 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.
- Uncapped vs capped points. Some Qantas credit cards limit the number of points you can earn each month. If you plan to spend a lot on a Qantas Frequent Flyer credit card, 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.
- 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.
How to compare Qantas Frequent Flyer credit cards
With a wide range of Qantas credit cards and bonus point offers on the market, comparing your options makes it easier to find a card that works for you. So here are the major factors to consider:
Bonus Qantas Points offers
Some Qantas Frequent Flyer credit cards offer thousands of bonus Qantas Points on sign up. However, specific terms and conditions apply for these promotions, so keep an eye out for these details:
- 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 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.
- 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. Keep in mind some Qantas credit cards may earn a higher standard rate for different types of transactions, such as overseas purchases or spending with Qantas.
- Points cap. If you're looking at a card that caps the amount of points you can earn each month, make sure your average monthly spending is less than this cap or look for a card with a higher points cap so you can get as much value as possible from the card.
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.
- 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.
- 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 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.
- 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 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.
Pictures: ShutterstockBack to top