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 am looking for a card where I can pay business expenses and with a maximum number of points allowed to accumulate each year of at least 250,000.
Is there such a thing?
Thanks
Andrew
BruceApril 25, 2013
I have been a member of Westpac Altitude plus card for 5 years where I spend approx $1 Million per year on the card mainly on business expenses. Now I have received letter in mail now restricting me to 20,000 spend per month. Where can get a card using Visa or Mater Card where I get at least one for one point uncapped or around the 1,000,000 spend?
Finder
JacobApril 25, 2013Finder
Hi Bruce,
Thanks for your question.
Please refer to our rewards credit cards comparison to see sign up offers available You can press the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this helps.
Cheers,
Jacob
Finder
JacobMarch 28, 2013Finder
Hi Andrew,
Thanks for your question.
Please refer to our comparison of business credit cards that earns frequent flyer points. These cards allow you to earn points on business expenses. You can press the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
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I am looking for a card where I can pay business expenses and with a maximum number of points allowed to accumulate each year of at least 250,000.
Is there such a thing?
Thanks
Andrew
I have been a member of Westpac Altitude plus card for 5 years where I spend approx $1 Million per year on the card mainly on business expenses. Now I have received letter in mail now restricting me to 20,000 spend per month. Where can get a card using Visa or Mater Card where I get at least one for one point uncapped or around the 1,000,000 spend?
Hi Bruce,
Thanks for your question.
Please refer to our rewards credit cards comparison to see sign up offers available You can press the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this helps.
Cheers,
Jacob
Hi Andrew,
Thanks for your question.
Please refer to our comparison of business credit cards that earns frequent flyer points. These cards allow you to earn points on business expenses. You can press the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this helps.
Cheers,
Jacob