These cards are your ticket to sky-high point earning potential, hefty welcome bonuses, solid ongoing earn rates, and a premium selection of travel-centric perks.
7+
Great
These cards might have slightly less impressive points earning or sign-up bonuses.
5+
Standard
Reliable workhorses for frequent flyers who want a well-balanced card. Enjoy decent point earning potential, competitive rates, and a good mix of practical perks.
0+
Basic
The entry point in the frequent flyer market. Their sign-up bonuses and ongoing earn rates might not be as generous.
Updated by Finder's senior money editor Richard Whitten in September 2026.
What is a Qantas frequent flyer credit card?
A Qantas frequent flyer credit card lets you earn Qantas Points through the Qantas Frequent Flyer program.
There are two main types:
A Qantas Money credit card. This is Qantas' own money brand, though the cards themselves are issued through other banks.
A Qantas-partnered credit card from a bank or credit card company. All the Big 4 banks and card companies offer cards which can earn Qantas Points.
How to earn Qantas Points with your credit card
You earn Qantas Points with your credit card by:
Spending. A Qantas card will let you earn Qantas Points when you spend using the card for eligible purchases. Earn rates range from half a point per dollar spent up to 1 point per dollar spent or more. Typically eligible purchases excludes cash advances, balance transfers and BPAY payments. That means payments for tax, mortgages and rent don't earn points (even assuming your card allows them, which many don't).
Bonus sign-up offers. The best Qantas cards have major sign-up bonuses. Typically these require you to spend a fixed amount in the first few months of card ownership. Some cards will also offer bonuses if you sign up for a second year.
Converting your existing bank reward points into Qantas Points. Check the fine print on your rewards credit card to see if it lets you do this.
Types of Qantas credit cards
Everyday, Platinum, Black, Premium, Business Premium: these credit card names aren't helping anyone!
But you can break Qantas cards down into a few groups based on:
The points you earn by $1 spent.
The annual fee.
The perks you get.
The most expensive cards have higher fees, but you earn more points and get more perks.
There are also Qantas business cards. These cards offer stacks of points and high earn rates. But the annual fees are higher and you'll need an ABN, plus a minimum amount of annual revenue to qualify.
Our expert says
"Qantas is my favourite frequent flyer scheme because there are so many ways to redeem your points for flights, including really good value domestic options. You can boost earning on your Qantas card further by shopping at Woolworths and converting your Everyday Rewards into Qantas Points. If you convert your Qantas Points to flights, that's much better value that just getting $10 off vouchers at Woolworths."
The bottom line - the best Qantas credit card is the one you can afford. The more points and perks the better, obviously. But you have to balance this against the annual fee cost and the spend requirements to get the bonus points.
Here's how you do it:
Look at the bonus points offer. A really good credit card should come with 50,000 bonus Qantas Points or more. Just make sure you can meet the spending conditions to get the points.
Compare the earn rate. As a general guide, 1 Qantas Point per $1 is usually seen as a good earn rate.
Factor in the annual fee. Let's say your card has a $350 annual fee. That's quite high for a credit card. But if the points you earn in a year pay for a couple of domestic reward flights you've already earned back the value of the fee.
Compare purchase rates. Qantas credit cards have higher interest rates on purchases. This can make these cards expensive if you don't pay the card off on time. If you struggle to pay off your balance, a frequent flyer points card isn't a wise choice
Don't forget about eligibility. Many credit cards have minimum incomes and other requirements. Because Qantas credit card fees and interest rates are higher than average, you usually need to have at least a good credit score.
How to get the most from a Qantas credit card
Earn your bonus. Make sure you meet the conditions to get the bonus points. Use the card when you spend to earn points on eligible purchases.
Use the points for flights. You can use Qantas Points on shopping, rewards flights or upgrades. You get the most value out of your points booking reward flights or upgrades.
Pay the card off in full. Don't get stuck carrying a balance on your Qantas card. The high interest rate will really start to hurt you.
Review your card after 12 months. You have to pay the annual card fee every year. Before you do, review the card. Are you taking full advantage of the card? Is there a better offer out there?
Finder Scores for Qantas credit cards explained
9+ Excellent - These Qantas credit cards offer big points bonuses, high earn rates and premium perks.
7+ Great - These cards might have slightly less impressive points earning or sign-up bonuses than the absolute best Qantas credit cards on the market.
5+ Satisfactory - These are solid but unspectacular cards for frequent flyers.
Less than 5 - Basic - Entry-level cards with sign-up bonuses and ongoing earn rates that are lower than average.
More about Finder Score
The Finder Score is an easy way you can figure out which Qantas credit cards really offer first class value.
Here's how the score works:
We analyse credit cards that let you earn Qantas Points and assess 8 features, giving a score for each one.
Then we combine these scores using a weighted methodology (because some features are more important than others).
This gives us a final score out of 10: the Finder Score.
In the Qantas frequent flyer category we only consider credit cards that:
Link to the Qantas Frequent Flyer program.
Let you earn points directly based on spending.
Are available to general consumers.
Scores are category-specific. One card might get a 10 in the Qantas Frequent Flyer category but only a 7 in the balance transfer category.
The Finder Score methodology is designed by our insights and editorial team. Commercial partners carry no weight and all products are reviewed objectively.
Feature
Definition
Assessment
Weight
Earn rate
Points earned for every dollar spent on eligible purchases
Points awarded per dollar (up to 1.5)
27.5%
Sign-up points
Bonus points earned for signing up and meeting spending requirements
Total bonus points offered (up to 200,000)
25%
Purchase rate
Interest rate on new purchases
Lower rates receive higher scores (up to 23.99% max)
Frequently asked questions about Qantas credit cards
Each month, we analyse the current value of Qantas Points. Bottom line: a single Qantas Point is worth anywhere from 0.5 cents to 8 cents. The best-value attainable option for most folks is a rewards flight, which will be worth between 1 cent and 2 cents. The higher-value options such as upgrades are great, but they're very hard to get if you're not a Qantas Gold or Platinum flyer.
The points you earn on a Qantas credit card are usually added to your Qantas Frequent Flyer account each month, around the time you get your credit card statement.
If you've earned bonus Qantas Points, these will usually be added to your frequent flyer account within 8 to 12 weeks of meeting a spend requirement.
Some dedicated Qantas Points chasers will choose a card based on the bonus points offer, keep it for a while and then look for another sign-up offer.
This strategy is known as credit card churning. You can potentially get lots of points doing this but it's getting harder to do and has some risks:
Having multiple cards limits your chances of getting new ones approved.
Too many applications in a short time can hurt your credit score.
If you carry a balance on any card, you'll have to pay interest – not to mention all the annual fees.
Many credit card companies limit bonus points offers to new customers only.
The Qantas Money Titanium Credit Card currently has one of the biggest bonus Qantas Points offers in Australia, with 150,000 bonus Qantas Points when you spend $5,000 in the first months of approval as a new cardholder. It's also one of the most exclusive frequent flyer credit cards on the market, with a minimum income requirement of $200,000 and a $1,200 annual fee.
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.
It depends on your earn rate and spending. You need at least 8,000 Qantas Points for a Classic Flight Reward, which would mean spending at least $8,000 on a card that earned 1 point per $1. On a card that earned 0.5 points per $1, you'd need to spend at least $16,000.
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.
As of July 2026, the Qantas American Express Discovery Card and the BankVic Qantas Visa Card have ongoing $0 annual fees.
Sarah is the author of How to Raise Rich Kids. With over 20 years of experience in property, finance and investment journalism, she is a trusted expert whose insights regularly appear across television, radio and print media, including Sunrise, Channel 7 News, Bloomberg and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker. Her expert advice has been shared in the media over 4,000 times. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards.
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Angus Kidman is Finder’s global Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology.
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I have my CBA Gold Awards Credit Card linked directly to my Qantas Frequent flyer awards and so lose 50% (ie 1 FF point costs 2 awards) of my award points as a result. If I convert my awards manually does the same conversion rate apply?
Hi Diana. Thanks for your question. When you use your card that is linked to a frequent flyer account and make an eligible purchase (things other than cash advances, balance transfers etc.), you will automatically earn a Qantas Points with your chosen program – either Qantas, Virgin, Etihad etc. When you first sign up for one of these cards, you can either link an existing frequent flyer membership, or you can sign up for a new frequent flyer membership. Let me know if you have any more questions. Jacob.
ManuelaApril 25, 2013
Does my qantas ANZ platinum credit card give me access to a qantas lounge once a year?
Finder
JacobApril 25, 2013Finder
Hi Manulea. Thanks for your question. Thanks for your question. The ANZ Frequent Flyer Platinum Card does not offer complimentary access to Qantas lounges. Jacob.
SuzieApril 23, 2013
Can I use my card for everyday spend and then pay at the end of the month .
I really want to be able to use the points to travel between Sydney and Dubbo only . My monthly spend is about $2000 a month , which would be the best card for me ?
Finder
JacobApril 23, 2013Finder
Hi Suzie,
Thanks for your question. So, these cards do work by rewarding you for your everyday spending with Qantas Points. If you plan to pay the card off in full at the end of each statement period, you will be able to maximise your interest-free days when you use a credit card to make a purchase as well as earn points.
Hi, I redeemed 9600 points for $50.00 gift card (Caltex). A confirmation note has been sent and says it will take up to 5 days to be despatched. This time has well past, how much longer can I expect to wait? Is there a chance it was lost in mail?
thanks leo
Finder
JacobApril 18, 2013Finder
Hi Leo. Thanks for your question. I would give it another day as sometimes the post can take a little longer than expect; however, please call the card issuer and tell them about your situation. Confirm with them that the package has been sent, and tell them that you’re yet to receive it. There are occasions when things can get missed, so please be vigilant when dealing with these types of things. Hope this has helped. Please let us know how it goes for you. Jacob.
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I have my CBA Gold Awards Credit Card linked directly to my Qantas Frequent flyer awards and so lose 50% (ie 1 FF point costs 2 awards) of my award points as a result. If I convert my awards manually does the same conversion rate apply?
Hi Jan. thanks for your question. The conversion rate will be the same. This page may interest you, it has information on transferring points between rewards programs and frequent flyers programs.
http://www.creditcardfinder.com.au/transfer-frequent-flyer-points.html
Jacob.
How do I use my Frequent flyer card.
Hi Diana. Thanks for your question. When you use your card that is linked to a frequent flyer account and make an eligible purchase (things other than cash advances, balance transfers etc.), you will automatically earn a Qantas Points with your chosen program – either Qantas, Virgin, Etihad etc. When you first sign up for one of these cards, you can either link an existing frequent flyer membership, or you can sign up for a new frequent flyer membership. Let me know if you have any more questions. Jacob.
Does my qantas ANZ platinum credit card give me access to a qantas lounge once a year?
Hi Manulea. Thanks for your question. Thanks for your question. The ANZ Frequent Flyer Platinum Card does not offer complimentary access to Qantas lounges. Jacob.
Can I use my card for everyday spend and then pay at the end of the month .
I really want to be able to use the points to travel between Sydney and Dubbo only . My monthly spend is about $2000 a month , which would be the best card for me ?
Hi Suzie,
Thanks for your question. So, these cards do work by rewarding you for your everyday spending with Qantas Points. If you plan to pay the card off in full at the end of each statement period, you will be able to maximise your interest-free days when you use a credit card to make a purchase as well as earn points.
Please compare your options here to find the Qantas Frequent Flyer credit card that is going to best suit your needs.
I hope this helps.
Regards,
Jacob
Hi, I redeemed 9600 points for $50.00 gift card (Caltex). A confirmation note has been sent and says it will take up to 5 days to be despatched. This time has well past, how much longer can I expect to wait? Is there a chance it was lost in mail?
thanks leo
Hi Leo. Thanks for your question. I would give it another day as sometimes the post can take a little longer than expect; however, please call the card issuer and tell them about your situation. Confirm with them that the package has been sent, and tell them that you’re yet to receive it. There are occasions when things can get missed, so please be vigilant when dealing with these types of things. Hope this has helped. Please let us know how it goes for you. Jacob.