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Qantas credit cards

The best Qantas frequent flyer credit cards can give you 150,000+ Qantas Points on sign-up and perks like lounge passes and status credits.

PROMOTED
Citi Premier Qantas Card
80,000 Bonus Qantas Points & First-Year Annual Fee Discount
  • 1 point per $1 spent
  • $175 first year fee
  • Ends 31 August 2022
  • 1 point per $1 spent
  • $175 first year fee
  • Ends 31 August 2022
Eligibility criteria, terms and conditions apply.

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Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate p.a. Annual fee
Citi Premier Qantas Card
80,000
Qantas Frequent Flyer
0.5
0% for 6 months, reverts to 21.49%
$175 for the first year ($350 thereafter)
Get 80,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a 0% purchase rate offer. Plus, a first-year annual fee discount.
Qantas Premier Platinum
80,000
Qantas Frequent Flyer
1
19.99%
$225 for the first year ($299 thereafter)
Earn 80,000 bonus Qantas Points when you spend $3,000 in the first 3 months and save with a reduced first-year annual fee.
Qantas American Express Ultimate Card
100,000
Qantas Frequent Flyer
1.25
20.74%
$450
Up to 100,000 bonus Qantas Points (75k when you spend $3,000 in the first 3 months and 25k in year 2). Plus, a yearly $450 Travel Credit.
Qantas American Express Discovery Card
N/A
Qantas Frequent Flyer
0.75
20.74%
$0
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
American Express Qantas Business Rewards Card
150,000
Qantas Business Rewards
1.25
0%
$450
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, a $450 Qantas Flight Voucher.
Qantas American Express Premium Card
30,000
Qantas Frequent Flyer
1
20.74%
$249
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
NAB Qantas Business Signature Card
100,000
Qantas Frequent Flyer
0.66
18.5%
$295
Receive 100,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
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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 next trip sorted!

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. So here, we've highlighted some different examples of Qantas credit cards and what features to look for.

FeatureCardCurrent offerAnnual fee & purchase rate
Bonus points

Qantas American Express Ultimate

qantas american express ultimate card

Get up to 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 travel credit.
  • $450
  • 20.74% p.a.
Bonus points

Qantas Premier Platinum

qantas premier platinum credit card

Earn 80,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, an interest-free balance transfer offer.
  • $225 first year ($299 p.a. after)
  • 19.99% p.a.
Bonus points & cashback

ANZ Frequent Flyer Black
ANZ Frequent Flyer Black Card

Collect up to 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 1.75 points for eligible Qantas spending.
  • $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, 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, most cards offer complimentary Qantas Frequent Flyer membership.

How to get complimentary Qantas Frequent Flyer membership and save

What are eligible purchases for earning 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

Pros

  • 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 point 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.

Cons

  • Higher interest rates. These cards typically charge higher ongoing interest rates on purchases than other types of cards. This can get expensive if you carry a balance from month to month.
  • Higher annual fees. The majority of cards charge an annual fee and they can be hefty on some of the more premium ones. Make sure 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.

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. These offers typically vary between 20,000 and 150,000 Qantas Points, depending on the card. You need to meet specific conditions to get the points, which can include:

  • Spend requirements. For example, you may need to spend at least $3,000 in the first 3 months to get the bonus points. Some credit cards also offer bonus points when you keep the account open for at least 12 months and pay a second-year annual fee. 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 not be eligible for a bonus points offer on a Qantas credit card if you already have a credit card with the same provider.
  • Application deadline. Qantas credit card bonus points offers are only available for a limited time, so you need to apply before the 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 on eligible spending. This rate has a huge influence on the overall value of the card, and there are 2 key details to look at when comparing different options:

  1. 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 2.25 points per $1 spent. Generally, 1 Qantas Point per $1 is seen as a competitive earn rate. Some credit cards also earn a higher rate of Qantas Points for certain transactions, such as overseas purchases or spending on Qantas products and services.
  2. Points caps and reduced earn rates. Some credit cards limit or reduce the number of points you can earn each month beyond 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 usually more than the points cap, you could look for a card that offers uncapped points or one with a higher cap to help you earn more points.

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 $0 to $499 or more. 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 on Finder.
  • Standard interest rates. Qantas Frequent Flyer credit cards typically have high purchase interest rates, ranging from 16.95% p.a. to 21.49% p.a. If you don't pay off your total balance 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'll save big 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.
  • 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 do you need to earn to offset a credit card's annual fee?

Let's say you 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 would depend on the card's 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 – which is less than the average amount spent on a credit card each month according to data in 2022. 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

These features can help you compare and choose a Qantas credit card – 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 see a wider range of frequent flyer credit cards to see what else is out there.

Frequently asked questions about Qantas credit cards

Which Qantas credit card earns the most points?

As of 7 July 2022, 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 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. It charges a $1,200 annual fee.

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. Make sure you compare credit cards before applying.

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.

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 pay off the account balance before you cancel it.

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 bank's internet or mobile banking service. You could also call them to close the account.


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    250 Responses

    1. 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.

    2. 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.

    3. 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.

    4. Default Gravatar
      BruceFebruary 28, 2019

      Hi,

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

      Thank you.

      Bruce

      • 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.

    5. 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!

      Anne

      • 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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