Best Qantas credit cards

Check out Finder's best Qantas credit cards. Our top picks are backed by data and offer bonus points, complimentary insurance, lounge passes and more.

Compare Qantas credit cards

The cards in this table let you earn Qantas Points directly, or earn points in a reward program that convert to Qantas Points.
10 of 59 results
Finder Score Bonus points Points per $ spent Purchase rate p.a. Annual fee
Finder score
Bonus points
100,000
Qantas Frequent Flyer Sign up points
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$349 first year ($399 after)
Earn up to 100,000 bonus Qantas Points when you spend $5,000 in the first 90 days. Plus, save with a reduced first-year annual fee.
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Qantas Money Titanium image
Finder score
Qantas Money Titanium
Qantas Frequent Flyer
Bonus points
150,000
Qantas Frequent Flyer Sign up points
Finder score
Bonus points
150,000
Qantas Frequent Flyer Sign up points
Points per $ spent
1.25
Purchase rate p.a.
20.99%
Annual fee
$1,200
Get 150,000 bonus Qantas Points when you spend $5,000 in the first 90 days. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
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American Express Platinum Card image
Finder score
American Express Platinum Card
Most LovedAmerican Express Membership Rewards
Bonus points
150,000
American Express Membership Rewards Sign up points
Finder score
Bonus points
150,000
American Express Membership Rewards Sign up points
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.
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American Express Qantas Business Rewards Card image
Finder score
American Express Qantas Business Rewards Card
Finder AwardMost LovedQantas Business Rewards
Bonus points
130,000
Qantas Business Rewards Sign up points
Finder score
Bonus points
130,000
Qantas Business Rewards Sign up points
Points per $ spent
1.25
Purchase rate p.a.
0%
Annual fee
$450
Earn 130,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 2 months. New American Express card members only. T&Cs apply. ABN holders w/ $75k revenue.
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American Express Platinum Business Card image
Finder score
American Express Platinum Business Card
Most LovedAmerican Express Membership Rewards
Bonus points
300,000
American Express Membership Rewards Sign up points
Finder score
Bonus points
300,000
American Express Membership Rewards Sign up points
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,750
Limited-time offer: Get 300,000 Bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.
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Qantas Money Everyday image
Finder score
Qantas Money Everyday
Qantas Frequent Flyer
Bonus points
8,000
Qantas Frequent Flyer Sign up points
Finder score
Bonus points
8,000
Qantas Frequent Flyer Sign up points
Points per $ spent
0.75
Purchase rate p.a.
20.99%
Annual fee
$99
Offers 8,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 90 days, plus a 0% p.a. balance transfer offer, with 3% balance transfer fee.
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ANZ Qantas Business Rewards image
Finder score
ANZ Qantas Business Rewards
Qantas Business Rewards
Bonus points
150,000
Qantas Business Rewards Sign up points
Finder score
Bonus points
150,000
Qantas Business Rewards Sign up points
Points per $ spent
0.75
Purchase rate p.a.
20.24%
Annual fee
$375
ABN holders w/ $75k revenue. Get up to 150,000 bonus Qantas Points when you meet the spend requirements, uncapped Qantas Points and complimentary travel insurance. Plus, a fast-track to Qantas Business Rewards Level 2.
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Qantas American Express Ultimate Card image
Finder score
Qantas American Express Ultimate Card
Finder AwardMost LovedQantas Frequent Flyer
Bonus points
90,000
Qantas Frequent Flyer Sign up points
Finder score
Bonus points
90,000
Qantas Frequent Flyer Sign up points
Points per $ spent
1.25
Purchase rate p.a.
23.99%
Annual fee
$450
Limited time offer: Get up to 90,000 bonus Qantas Points. Plus, a yearly $450 Travel Credit. New American Express card members only. T&Cs apply.
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Westpac Altitude Qantas Black image
Finder score
Westpac Altitude Qantas Black
Qantas Frequent Flyer
Bonus points
150,000
Qantas Frequent Flyer Sign up points
Finder score
Bonus points
150,000
Qantas Frequent Flyer Sign up points
Points per $ spent
0.5
Purchase rate p.a.
20.99%
Annual fee
$370
Get up to 150,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 on eligible purchases in the first 120 days and additional 60,000 points when you meet the same spend requirement in year 2).
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American Express Business Gold Plus Card image
Finder score
American Express Business Gold Plus Card
Most LovedAmerican Express Membership Rewards
Bonus points
100,000
American Express Membership Rewards Sign up points
Finder score
Bonus points
100,000
American Express Membership Rewards Sign up points
Points per $ spent
1.5
Purchase rate p.a.
0%
Annual fee
$395
Get 100,000 Bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. New Amex card members only. T&Cs apply. ABN holders w/ $75,000 revenue.
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The best Qantas credit cards in December 2025

Updated by Finder's senior money editor Richard Whitten in December 2025.

Best Qantas business credit card: American Express Qantas Business Rewards Card

American Express Qantas Business Rewards Card

  • 130,000 Bonus Qantas Points
  • $450 Annual fee
  • N/A Purchase rate
Ends on 13 January 2026

Why we like it

The American Express Qantas Business Rewards Card is a frequent flyer-oriented business card. It offers a very good combination of bonus Qantas Points, complimentary travel insurance and a high earn rate. But the annual fee is on the steeper side at $450.
This card has a Finder Score of 9.9 in the frequent flyer category.

Pros & cons

  • 130,000 bonus Qantas Points
  • Complimentary travel insurance
  • 2 complimentary domestic Qantas Club lounge passes per card membership year
  • The standard $450 annual fee is relatively high
  • 3% foreign currency conversion fee

Overall best Qantas credit card: Qantas American Express Ultimate Card

Qantas American Express Ultimate Card

  • Up to 90,000 bonus Qantas Points
  • $450 Annual fee
  • 23.99% Purchase rate
Ends on 13 January 2026

Why we like it

The Qantas American Express Ultimate Card is a points-earning machine. You get a stack of bonus points if you spend enough in the first few months, and it has one of the highest earn rates on the market. It has some great travel perks too, like 2 complimentary lounge passes and travel insurance.
While there is a higher than average annual fee, it's entirely offset by the annual travel credit. The only thing you really need to watch out for is the 3% currency conversion fee if you're travelling overseas.
This card has a Finder Score of 9.9 in the frequent flyer category.

Pros & cons

  • Up to 90,000 bonus Qantas Points
  • Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped
  • $450 Qantas Travel Credit each year
  • High $450 annual fee
  • High 23.99% p.a. interest rate for purchases
  • 3% foreign currency conversion fee

Best Qantas card for bonus points: Qantas Money Titanium

Qantas Money Titanium

  • 150,000 Bonus Points
  • $1,200 Annual fee
  • 20.99% Purchase rate

Why we like it

The Qantas Money Titanium offers a truly gigantic amount of bonus points in exchange for a very high annual fee. This is not a card for budget travel junkies. This is not even a card for the casual but comfortable traveller. This is a card for serious spenders who want to take full advantage of the card's perks and benefits.
This card has a Finder Score of 9.83 in the frequent flyer category.

Pros & cons

  • 150,000 bonus Qantas Points offer
  • 20% bonus Status Credits on eligible Qantas flights
  • 10% off the base rate of eligible Qantas flights for up to 2 travellers twice per year
  • $1,200 annual fee
  • 3% international transaction fee when you shop overseas or online with a business based overseas

Best Big Four bank Qantas credit card: ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

  • Up to 130,000 Bonus Points & $200 back
  • $425 Annual fee
  • 20.99% Purchase rate

Why we like it

This card has a higher than average annual fee. So it's a card for bigger spenders. But the points you can earn are enormous. This card has one of the biggest bonus points offers around, with most of the points coming after 3 months and the rest coming if you keep the card for 12 months.
While the earn rate for Qantas Points is capped, it's a very high cap. This card has a Finder Score of 9.69 in the frequent flyer category.

Pros & cons

  • Up to 130,000 bonus Qantas Points and $200 back
  • 2 complimentary Qantas Club Lounge invitations per year
  • 1 Qantas Point per $1 spent up to and including $7,500 per statement period, then 0.5 Qantas Points / $1 spent
  • You need to keep the card over 12 months to collect all the bonus points offered
  • The standard annual fee of $425 p.a. is high.
  • When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.

Video: the best Qantas credit cards on the market right now

2:22

What is a Qantas frequent flyer credit card?

A Qantas frequently 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:

  1. 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).
  2. 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.
  3. 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.

TierPoints per $1Annual feeCommon perks & featuresExample cards
Standard0.5-1$0-$99Purchase insurance, modest bonus points offer
Platinum0.5-1.5$149-$399Bonus points on sign-up, overseas travel insurance, lounge access
Black0.66-2$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

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.

Angus Kidman's headshot
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."

Angus Kidman's headshot
Editor-at-large

How choose the best Qantas credit card for you

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:

  1. 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.
  2. Compare the earn rate. As a general guide, 1 Qantas Point per $1 is usually seen as a good earn rate.
  3. 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.
  4. 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
  5. 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 slolid 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

Frequently asked questions about Qantas credit cards

Sources

Richard Whitten's headshot
To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
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Personal finance expert + media spokesperson

With over 20 years of experience in property, finance and investment journalism, Sarah is a trusted expert whose insights regularly appear across television, radio, and print media, including Sunrise, ABC News, and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker, and her expert advice has been shared in the media over 3,500 times since 2023 alone. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards. See full bio

Sarah's expertise
Sarah has written 209 Finder guides across topics including:
  • Home loans
  • Personal finance
  • Budgeting and money-saving tips
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Co-written by

Editor-at-large

Angus Kidman is Finder’s International 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. See full bio

Angus's expertise
Angus has written 223 Finder guides across topics including:
  • Frequent flyer
  • Travel
  • Technology
  • Broadband

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252 Responses

    Default Gravatar
    DerekOctober 19, 2016

    Can we convert Qantas Frequent Flyer points for US Dollars as a Platinum frequent flyer?

      Default GravatarFinder
      JasonOctober 20, 2016Finder

      Hi Derek.

      Thank you for your inquiry.

      Qantas Frequent Flyer points are not convertible to US Dollars but you can use them to redeem flights, hotel packages, gift cards and products.

      Cheers,
      Jason

    Default Gravatar
    POctober 13, 2016

    Forgot Pin No. Please advise

      Default GravatarFinder
      MayOctober 13, 2016Finder

      Hi P L Lee,

      Thanks for your comment. Please note that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service.

      To be able to assist you further, may I ask which credit card you are referring to? It’s also best to get in touch with your bank directly if you need assistance in retrieving your PIN.

      Cheers,
      May

    Default Gravatar
    AhmedAugust 19, 2016

    Hi I currently hold an Amex Platinum (business) card. What I like about is the reward points that can use for both qantas and non qantas. However $1500 annual fee plus vendors charging me 4% transaction fees makes me want to switch to a Visa or MC.
    Is there a card Visa or MC with similar reward scheme ?

    Thanks

      Default GravatarFinder
      MayAugust 31, 2016Finder

      Hi Ahmed,

      Thank you for your inquiry.

      Sorry for the delayed reply. On our page about frequent flyer credit cards, you may compare your frequent flyer card options with the Visa logo. Please note that these are personal credit cards that can be linked to your frequent flyer account like Qantas.

      Hope this helps.

      Cheers,
      May

    Default Gravatar
    dorisJuly 9, 2016

    I have lost my card, how do I apply for a new one

      Default GravatarFinder
      DeeJuly 9, 2016Finder

      Hi Doris,

      Thanks for your question.

      If you can tell me what credit card you are referring to, I will be able to assist you.

      Alternatively, you can directly call your bank’s customer support to request a replacement card.

      Cheers,
      Anndy

    Default Gravatar
    StephenJuly 6, 2016

    What CC would you suggest for employee business expenses – i.e. to keep expenses incurred from work seperate so they can be claimed and reimbursed later (for me this includes mainly local and international work travel and expenses).

    In this situation balance transfers, insurance, and interest rates are largely irrelevant, whilst I am interested in a low annual fee, Rewards points (either Qantas or CC), and world wide acceptance (so only AMEX if it has dual functionality).

      Default GravatarFinder
      MayJuly 7, 2016Finder

      Hi Stephen,

      Thanks for your inquiry.

      Please feel free to check these business cards and find information and a guide on how to select a business credit card that matches your everyday business spending while helping you manage your expenses with convenience.

      In the meantime, most business credit cards’ annual fees are in more than a hundred to $1,500 in range. Annual fees for business cards are somewhat high especially if rewards systems or frequent flyer points are attached to the card.

      As for the worldwide acceptance of the card – credit cards with Mastercard, Visa or AMEX logo are generally globally accepted.

      I hope this is helpful.

      Cheers,
      May

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