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Everything you need to know about frequent flyer points

From what they are to how you can earn them, here’s your guide to frequent flyer points and the benefits they can provide.

If you're a member of a frequent flyer program, you'll be able to earn points for spending with associated airlines and other program partners. These frequent flyer points can be used to redeem a variety of rewards such as flights, flight upgrades, hotel stays, gift cards and merchandise. Depending on the frequent flyer program, you may even be able to use a combination of points and cash, or buy more points if you don't have enough for your chosen reward.

Use this guide to learn more about frequent flyer points, including how to earn and spend them, ways to maximise your frequent flyer rewards and key terms and conditions. We've also included information about different frequent flyer programs so that you can find an option that fits with your travel goals.

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How can I earn frequent flyer points?

frequent-flyer-girl-250x250Frequent flyer programs give you a variety of opportunities to earn points or miles as part of your membership benefits. Depending on the frequent flyer program and the activity, you'll earn points based on the distance flown, the amount of money spent, or a flat-rate of points per transaction (for example, 500 points per stay at a hotel). Some of the most popular ways you can earn frequent flyer points include:

  • Flights. You can earn frequent flyer points for flights you take with a partnered airline. For example, if you're a Qantas Frequent Flyer member, you can earn points for flights with Qantas, Jetstar and over 35 partner airlines around the world. The points you earn are usually calculated based on the distance flown but other factors, such as the fare class, ticket cost and your membership status level may also determine how many points you earn.
  • Hotels and accommodation. Most frequent flyer programs offer points for stays with hotel partners around the world. For example, if you're a Velocity Frequent Flyer member, you can earn points at over 600,000 properties around the world, with partners including Hilton Hotels, Intercontinental Hotels and Holiday Inn. Some frequent flyer programs also partner with other accommodation providers, such as airbnb, and it's common to earn either points per $1 spent or a a flat rate of points per stay.
  • Car hire. It's common for frequent flyer programs to offer points for car hire with partners such as Hertz, Thrifty and Europcar. By giving the car hire company your frequent flyer membership number, you'll be able to earn either points per $1 spent on the hire, or a flat-rate of points for the hire.
  • Other travel. Depending on the frequent flyer program, you could be able to earn points for many other travel-related activities, including cruise bookings, holiday packages and travel insurance. Your frequent flyer program will have specific details of all the partners and the amount of points you can earn with them.
  • Credit cards. Frequent flyer credit cards earn points per $1 spent on your everyday purchases, giving you a way to maximise your frequent flyer rewards even when you're not travelling. Many of these credit cards also include introductory offers that could give you thousands of bonus frequent flyer points when you meet the offer requirements.
  • Shopping. As well as earning points for shopping with a credit card, some frequent flyer programs provide online shopping portals that allow you to earn points per $1 spent with a variety of partners. For example, the Qantas Online Mall offers between 1 and 5 points per $1 spent with partners including eBay, David Jones, Apple Store and The Iconic.
  • Other lifestyle partners. Your frequent flyer program could include a number of other program partners that allow you to earn points for other everyday activities and services, including health insurance, dining out, phone plans, electricity plans or even spending with a travel money card. Check your program's list of partners to see what's available as part of your membership.

Frequent Flyer Credit Card Comparison

Rates last updated June 28th, 2017
Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
50,000 bonus points
1
19.99% p.a.
$195 p.a.
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
American Express Explorer® Credit Card
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
50,000 bonus points
2
20.74% p.a.
$395 p.a.
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
Qantas American Express Premium Card - Exclusive Offer
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
50,000 bonus points
1.25
20.74% p.a.
$249 p.a.
ANZ Frequent Flyer Platinum
Receive 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases for the first three months. Plus, earn additional points per $1 spent on purchases and enjoy a waived annual fee for the first year.
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Qantas American Express Ultimate Card
Receive a complimentary Qantas domestic return flight and 2 American Express Airport Lounge entries each calendar year.
55,000 bonus points
1.5
20.74% p.a.
$450 p.a.
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Bank of Melbourne Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Westpac Altitude Black
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 28 June 2017.
80,000 bonus points
1.25
3
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 30,000 bonus Velocity Points. Plus, complimentary travel insurance.
30,000 bonus points
1
20.74% p.a.
$144 p.a. annual fee for the first year ($289 p.a. thereafter)
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
American Express Velocity Escape Card
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
1
20.74% p.a.
$0 p.a.
NAB Velocity Rewards Premium Card
A Velocity Rewards card with complimentary overseas travel insurance and a low introductory rate offer on balance transfers.
0.5
1
19.99% p.a.
$150 p.a.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive an exclusive Virgin Australia Gift Voucher each year and benefit from 0% p.a. introductory rates on purchases and balance transfers.
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
American Express Essential®  Credit Card
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
1
14.99% p.a.
$0 p.a.
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5
0
19.49% p.a.
$99 p.a.
ANZ Rewards Travel Adventures card
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75
0
19.49% p.a.
$279 p.a.
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
25,000 bonus points
0.75
19.99% p.a.
$95 p.a.
NAB Qantas Rewards Card
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
0.5
0.75
19.99% p.a.
$95 p.a.
NAB Velocity Rewards Card
Get two cards and pay one annual fee plus enjoy a low introductory rate on balance transfers. Earn Velocity Reward points on every $1 you spend on eligible purchases.
0.5
0.75
19.99% p.a.
$95 p.a.
NAB flybuys Rewards Card
Earn flybuys points plus a low interest rate for 6 months on balance transfers.
1
0
19.99% p.a.
$95 p.a.
NAB Qantas Rewards Premium Card
Earn up to 1 points per $1 spent on eligible purchases. This card also includes the added benefits of a premium card.
0.5
1
19.99% p.a.
$250 p.a.

Compare up to 4 providers

What can I use my frequent flyer points for?

When you have accumulated enough frequent flyer points in your account, you can use them to redeem rewards. The amount of points you need for a reward varies based on the frequent flyer program and the type of reward you want. In general, flights or flight upgrades with a partner airline offer the greatest value (when rewards are compared to what you'd pay in dollars). The type of rewards available varies between frequent flyer programs but could include:

  • Flights. You can use frequent flyer points to book a flight with a partner airline instead of using cash for the fare. Known as "Award" or "Reward" seats, these fares are available for a specific amount of points, usually calculated based on the distance flown and the fare class (economy, business etc). Award seats are subject to availability, so they may be more limited than regular fares.
  • Flight upgrades. If you're already booked on a flight with a partner airline, you could use your frequent flyer points to upgrade your fare to a higher class. For example, from economy to business class. Flight upgrades can be a cost-effective way to get a more premium seat on your flight but, similar to flights booked with points, the option to use points for an upgrade is subject to availability.
  • Hotels. Some frequent flyer programs also allow you to use points to pay for your hotel stays. For example, if you're a Singapore Airlines KrisFlyer member, you can use your points for free nights or upgrades at any Shangri-La hotel when you convert your KrisFlyer Miles to GC Award Points.
  • Other travel rewards. Depending on the frequent flyer program, you could use your points for car hire, travel packages or additional baggage.
  • Merchandise and gift cards. While less common than flight or travel rewards, you could also be able to redeem frequent flyer points for gift cards or merchandise such as clothes, electronics and jewellery. For example, both Qantas and Velocity Frequent Flyer programs have online stores filled with merchandise and gift cards from brands such as Apple, David Jones and Myer.

What if I don't have enough points for my chosen reward?

Most frequent flyer programs give you the option of buying additional points or using a combination of points and cash when you don't have enough points for a specific reward. This gives you flexibility to use frequent flyer points on rewards that offer the most benefit to you.

Frequent flyer point pros and cons

Pros

  • It makes free flights possible. Frequent flyer points give you the chance to book flights you might not otherwise be able to afford.
  • You can collect frequent flyer points through everyday spending. If you have a frequent flyer credit card or debit card, or access to other program partners, you can earn points without flying.
  • You can skip queues and sit in the best seats. You can use your frequent flyer points for seat upgrades, securing yourself a spot in comfortable airport lounges, skip the check-in queue, obtain priority boarding, and nab free excess baggage.

Cons

  • The value of rewards are not always clear for free flights. For example, you may still have to pay fees and taxes on your reward flight, meaning it's not technically "free".
  • Limited seat availability for frequent flyer points. This often means one’s preferred flight time or destination is not easy to book.
  • Frequent flyer point programs require extensive research. There are so many different options for frequent flyers, and many airline websites require time to establish which is worthwhile and good value for money. The deals are there but patience is required to benefit.

Compare frequent flyer programs here


What else do I need to know about frequent flyer points?

Keep these factors in mind to make the most of your frequent flyer points:

  • Reward value. The amount of frequent flyer points you need varies based on the type of reward you redeem. This means the value of your rewards will vary when compared to the dollar value of them (and what you've spent accumulating points).
  • Flight rewards. Upgrading flights or booking award seats with the frequent flyer program's associated airline usually offer the greatest value when you compare points to dollar costs of rewards.
  • Point expiry. Some airlines attach an expiry date to points, so this should be checked regularly to ensure no losses occur. For example, Qantas Frequent Flyer Points expire if your account is inactive for 18 months. Once your points have expired, you can’t get them back.

Frequent flyer points are without doubt a bonus for travellers who accumulate large flight mileages annually and, if used wisely, they can offer worthwhile benefits. However, there are certain purchases that should be avoided and measures that should be taken if the buyer wishes to make maximum use of their points.


Frequently asked questions

Each airline provides online information and a sign up facility for their specific frequent flyer program. The most common options include:

  • Signing up online via the frequent flyer program website
  • Signing up by filling out a frequent flyer membership form online
  • Signing up through a referral from an existing member

No, you do not require a credit card.

Most frequent flyer programs don't charge a fee, but there are some exceptions. For example, the Qantas Frequent Flyer program has a standard joining fee of $89.50, although there are ways to join without paying this fee.

Some airlines allow you to claim points for flights taken several months before you join the frequent flyer program. For more information, check out our guide on claiming points after your flight.

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