Qantas credit cards

The best Qantas frequent flyer credit cards can give you 100,000+ Qantas Points on sign-up and perks like lounge passes and status credits.

Citi Premier Qantas Card
100,000 Bonus Qantas Points & First-Year Annual Fee Discount
  • 100k bonus points
  • $175 first year fee
  • Ends 28 April 2022
  • 100k bonus points
  • $175 first year fee
  • Ends 28 April 2022
Eligibility criteria, terms and conditions apply.

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Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Citi Premier Qantas Card
Qantas Frequent Flyer
21.49% p.a.
$175 annual fee for the first year ($350 p.a. thereafter)
Get 100,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
20.74% p.a.
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Qantas Premier Platinum
Qantas Frequent Flyer
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Earn 90,000 bonus Qantas Points when you spend $3,500 in the first 3 months and save with a reduced first-year annual fee.
ANZ Frequent Flyer Platinum
Qantas Frequent Flyer
20.24% p.a.
$0 annual fee for the first year ($295 p.a. thereafter)
Now offering Cashrewards Max. Receive 70,000 bonus Qantas Points when you spend $2,500 on eligible purchases within 3 months. Plus, a $0 first-year annual fee.
NAB Qantas Rewards Signature Card
Qantas Frequent Flyer
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
American Express Qantas Business Rewards Card
Qantas Business Rewards
0% p.a.
$0 annual fee for the first year ($450 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, save with a $0 annual fee for the first year.
ANZ Frequent Flyer Black
Qantas Frequent Flyer
20.24% p.a.
Cashrewards Max benefit. Up to 130,000 bonus Qantas Points (100k first year, 30k second year) and $255 back when you meet the spend criteria.
Qantas American Express Discovery Card
Qantas Frequent Flyer
20.74% p.a.
Save with a $0 annual fee for the life of the card plus uncapped Qantas Points on your purchases.
NAB Qantas Rewards Premium Card
Qantas Frequent Flyer
19.99% p.a.
Get 65,000 bonus Qantas Points when you spend $2,500 in the first 60 days and free Qantas Frequent Flyer membership.
NAB Qantas Business Signature Card
Qantas Frequent Flyer
18.5% p.a.
Receive 100,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.

Compare up to 4 providers

A Qantas frequent flyer credit card gives you an easy way to earn Qantas Points for your everyday spending. The average Aussie cardholder could earn about 2,500 points per month for their usual spending with a card that earns 1 point per $1 spent. Add on 100,000+ bonus points and you'll have your travel plans sorted as borders open up again.

What is the best Qantas credit card?

With so many competitive cards on the market, there isn't one best Qantas credit card; and everyone has different spending habits and wants different perks. But, in the table below, we've highlighted some different examples of Qantas credit cards and what features to look for.

FeatureCardCurrent offerAnnual fee & purchase rate
Bonus points

NAB Qantas Rewards Signature
NAB Qantas Rewards Signature Card

Get up to 110,000 bonus Qantas Points when you spend $3,000 within 60 days and pay the second year's annual fee.
  • $295 annual fee for the first year ($395 p.a. thereafter)
  • 19.99% p.a.
Bonus points

Qantas Premier Platinum

qantas premier platinum credit card

Earn 90,000 bonus Qantas Points when you spend $3,500 in the first 3 months. Plus, an interest-free balance transfer offer.
  • $199 first-year annual fee ($299 p.a. thereafter)
  • 19.99% p.a.
Bonus points & cashback

ANZ Frequent Flyer Black
ANZ FF Black Card

Collect 130,000 bonus Qantas Points and $255 back when you spend $3,000 in the first 3 months.
  • $425
  • 20.24% p.a.
$0 annual fee

Qantas American Express Discovery
Qantas American Express Discovery

Earn 0.75 Qantas Points per $1 spent on everyday purchases, 0.5 point / $1 with government bodies in Australia and an additional 1.75 point for Qantas spend.
  • $0
  • 20.74% p.a.

How do Qantas frequent flyer credit cards work?

A Qantas credit card helps you earn more frequent flyer points by offering a set number of points per $1 spent on everyday purchases. These points are added to your Qantas Frequent Flyer account, where you can redeem them 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.

Depending on the card, you could also enjoy other travel perks, such as:

  • Airport lounge access
  • Complimentary travel insurance
  • Concierge services
  • Flight or travel credit

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.

How to get complimentary Qantas Frequent Flyer membership and save

What are eligible purchases that earn points?

You can only earn Qantas Points on eligible transactions. This usually covers everyday expenses including groceries, petrol and travel bookings. Transactions that typically 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 do and don't earn points.

Pros and cons of Qantas credit cards

There are many credit cards on the market that earn Qantas Points so it's important to consider your financial situation and how you intend to use the card. Then you can weigh up the points, perks, fees and features to find the right card for you.


  • Earn points for your spending. The most obvious perk of these cards is that you'll earn Qantas Points for spending your money. Earn rates can range from 0.5 to 2+ points per $1 spent.
  • Perks and benefits. Depending on the tier of the card, Qantas credit cards can come with complimentary travel insurance, airport lounge passes, bonus status credits, travel credits and exclusive offers.
  • Promotional offers. When you apply for a new credit card, you'll usually be given the opportunity to earn thousands of bonus points when you meet the spend criteria.


  • Higher interest rates. These cards typically charge higher ongoing interest rates on purchases than other types of cards. This can get expensive if you regularly carry a balance from month to month.
  • Higher annual fees. The majority of cards charge an annual fee and these can be hefty on some of the more premium ones. Ensure this cost doesn't outweigh the value you get from the points and perks.
  • Points caps. Some Qantas credit cards only allow you to earn a certain amount of points each month. If you regularly spend more than this threshold, you might not be maximising your points potential.

Different types of Qantas credit cards

When you're comparing credit cards that earn Qantas Points, there are heaps of options available. We've broken down the costs and benefits of the different tiers of Qantas cards to give you an idea of what's available.

TierPoints per $1Annual feeCommon perks & featuresExample cards
Standard0.5-1$0-$49Purchase insurance, modest bonus points offer
Platinum0.5-1.5$50-$249Bonus points on sign-up, overseas travel insurance, limited lounge access
Black1-2$250-$499Large bonus points offer, travel credits, lounge access, overseas travel insurance
Premium1.25-2+$500+Status credits, extra-large bonus points offer, travel credits, lounge access, flight discounts, hotel perks, overseas travel insurance

As you can see, there are Qantas credit cards available across the entire credit cards spectrum. Ultimately, the best card for you will be one that fits your budget, gives you enough value for how much (or how little) you spend and offers perks you'll actually use.

How can I find the best credit card for earning Qantas Points?

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 you 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 conditions to get the points, so here are some key 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. Some cards also offer bonus points when you keep the account open for at least 12 months and pay a second-year annual fee. So 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 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.

Earn rate

The earn rate is 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 earn a higher rate for certain transactions, such as overseas purchases and spending on Qantas products and services.
  • Points caps and reduced earn rates. Some lenders 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 often 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 to maximise your earn potential.

Rates and fees

These are what you'll pay for the credit card and can vary a lot based on how you use it.

  • Annual fee. Standard annual fees for Qantas frequent flyer credit cards range from $49 to $499 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 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.
  • 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 gives you a way to save on interest charges, or completely avoid them.
  • 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.

Example: How many Qantas Points would you need to earn to offset a credit card's annual fee?

Let's say you've got a Qantas frequent flyer credit card with a $300 annual fee. Based on our Qantas Frequent Flyer Points analysis, you could balance out the card's annual fee by earning 16,000 Qantas Points and redeeming them for a return flight from Sydney to Melbourne (valued at an average of $321).

The amount you'd need to spend on your card would vary depending on the earn rate. If your card offered 1 Qantas Point per $1 spent, you'd need to make $16,000 worth of eligible purchases within a year to offset the annual fee. This works out to be around $1,333 per month in credit card spending. On a card with a lower earn rate of, say 0.5 Qantas Points per $1, you'd need to spend $32,000 per year, or around $2,666 per month to earn enough points for this reward flight.

Other features

When you're looking at different Qantas credit cards, these other features can help you choose one – and ideally get more value from it.

  • 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.
  • 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.

How to use your Qantas Points and what rewards you can redeem

Applying for a rewards credit card that lets you opt-in to earn Qantas Points?

Some credit cards give you the choice of Qantas Points or rewards points, such as a CommBank Awards card or David Jones American Express card. When that's the case, just select the Qantas Frequent Flyer option when you apply – or call your provider to see if you can switch your rewards program later.

Check this: Sometimes there is a rewards program fee when you choose the Qantas Frequent Flyer option instead of a card's rewards program option. Look at this cost before you apply to decide if it's worth it.

Looking for a way to get more frequent flyer points and perks? Get started by comparing Qantas credit cards and introductory offers to see if there's one that suits your needs. Or compare a wider range of frequent flyer credit cards to see what else is out there.

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.

Which Qantas credit card earns the most points?

As of 21 October 2021, the Qantas American Express Ultimate Card has the highest direct earn rate for Qantas Points in Australia at 1.25 points per $1 spent, uncapped, on everyday purchases. It charges a standard $450 annual fee and offers a yearly $450 Qantas Travel Credit as well as thousands of bonus points. The Qantas Premier Titanium also earns 1.25 Qantas Points per $1 spent on everyday purchases, but this is capped at $12,500 / month for eligible spending in Australia.

Who can apply for a Qantas credit card?

Every card has different eligibility criteria. However, frequent flyer and rewards cards typically charge higher interest rates and fees than lower cost options. This means the minimum income requirements are higher and you'll need to have a clear credit file without bankruptcies or judgements.

How long does it take to get bonus Qantas Points from a credit card?

To collect bonus Qantas Points from an introductory offer, you usually have to meet a spending requirement within the first few months you have a card. For example, you might need to spend $3,000 in the first 3 months.

The bonus points will usually be added to your frequent flyer account within 8 to 12 weeks of meeting this spend requirement. Check the fine print for each offer to find out exactly what you have to do to get them and when the points will be credited to your Qantas Frequent Flyer account.

Can I earn bonus points for signing up to a Qantas credit card and then cancel it?

If 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 you'll need to clear the account balance before you cancel it. 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 and offers ongoing benefits that make it worth keeping the card. You can compare frequent flyer credit cards and their bonus points offers on Finder.

When will the Qantas Points that I've earned be credited to my frequent flyer account?

The points you earn on a direct-earn 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 account within several days of the end date for that statement period.

How much would I have to spend on a Qantas credit card to get a free flight?

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. If you had a credit card that earned 1 Qantas Point per $1 spent and usually spend $2,000 per month, it would take you 4 months to redeem a reward flight between Sydney and Melbourne.

Qantas Frequent Flyer also has a Points Plus Pay option you can use to book your flight with a combination of points and cash. You need at least 5,000 Qantas Points for a Points Plus Pay flight with Qantas, or 3,500 Qantas Points for a flight with Jetstar – but the value per point is usually lower than when you use points for a Classic Flight Reward.

Do Qantas Points expire?

Qantas Points only expire if you do not earn or spend Qantas Points for 18 consecutive months. This means paying with a Qantas credit card is one way to avoid points expiring, because you'll earn Qantas Points per $1 spent. Check out Finder's guide to points expiry for more information and how you can avoid having your points expire.

Does Qantas have its own credit card?

Yes, there are 3 credit cards from Qantas Money that you can compare. Other banks and credit card issuers in Australia also offer cards that are linked to the Qantas Frequent Flyer program.

How do I cancel a Qantas credit card?

If you want to close your Qantas credit card account, start by paying off the full balance. After that, you'll be able to cancel the credit card through the credit card company's Internet or mobile banking service. You could also call them to close the account.

If you want to keep the account but need to cancel the card because it's been lost or stolen, contact your credit card company straight away so they can investigate and get you a new card.

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    250 Responses

      Default Gravatar
      StephenSeptember 9, 2019

      I have many points with another airline. Can I transfer these to Qantas If I took one of the above cards. We travel a lot. Cheers!

        Default Gravatar
        NikkiSeptember 11, 2019

        Hi Stephen,
        It’s helpful to know that you can transfer other points to your Qantas frequent flyer program. Please refer to our guide about transferring points to the Qantas Frequent Flyer program. You can find the rewards program you can transfer to Qantas and what you should be aware of when transferring reward points to the Qantas Frequent Flyer program with a bonus promotion.

      Default Gravatar
      PeterAugust 19, 2019

      Could you tell me if all credit card companies have the same eligible purchase policy in regards to what constitutes a NON ELIGIBLE PURCHASE and an eligible?

      Also, I have a CBA credit card as it partners with flight centre and I have 700,000 points but my points value is terrible so I’m looking at a Qantas card to replace it so I can get better value for points. I also want to enjoy lounges when I travel.

        Avatarfinder Customer Care
        JeniAugust 20, 2019Staff

        Hi Peter,

        Not all credit card issuers have the same list of eligible purchases thus it would be best for you to review the card’s Product Disclosure Statements/Terms and Conditions or contact the provider if you have specific questions.

        The CommBank Awards program offers you awards points for everyday spending and it also gives you options for earning either Qantas or Velocity frequent flyer points. If you choose to apply for a credit card with free lounge access, please use our comparison table to compare your options. When you are ready, press the ‘Go to site’ button to apply.

      Default Gravatar
      TraceJune 19, 2019

      What card would give me the highest amount of points for international travel? I am planning on being away for a year or so require a card tht can reward me with qantas points.

        Avatarfinder Customer Care
        FayeJune 21, 2019Staff

        Hi Trace,

        While we do not provide specific product recommendations, we can help guide you through the process of comparing options. On the page you’re on, we have a comparison table that provides a list of cards that offer Qantas points.You may sort them by ‘Rewards Points per $ spent’,the page will automatically provide you the card you are looking for. You may hover your mouse to the ‘i’ symbol to know the details about how much point you get earn.

      Default Gravatar
      BruceFebruary 28, 2019


      We joined Frequent Flyer (Bronze) 2 months ago, as yet no card. Is this normal?

      Thank you.


        Avatarfinder Customer Care
        JeniMarch 2, 2019Staff

        Hi Bruce,

        Please note that if you joined through the Qantas Club Service Centre, your membership card will be delivered within 14 days. Since you mentioned that it has been 2 months when you joined, kindly contact the Frequent Flyer Service Centre as soon as possible to report this matter. Additional info, Bronze Frequent Flyer Cards are only issued to eligible members residing in Australia. A Replacement Card Fee might be charged when a replacement card is issued. However, you may request to waive the said fee since you did not receive the initial membership card.

      Default Gravatar
      AnneFebruary 15, 2019

      I have just joined Qantas Frequent Flyer and I am now a member. Will Qantas post me a frequent flyer card? I do not want a credit card just a reward card, and also how can I download a second app for Qantas Frequent Flyers on my phone for my husband as we only have 1 mobile between us?

      Thank you!


        Avatarfinder Customer Care
        JeniFebruary 16, 2019Staff

        Hi Anne,

        If you joined through the Qantas Club Service Centre, your membership card will be delivered within 14 days. Since you mentioned that you only have a mobile phone to access yours and your husband’s QFF accounts online, you may log in or log out on your/husband’s account to check your account online. I suggest that you contact the QFF centre for further assistance on the mobile app and your other queries on having QFF accounts.

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