Compare Low Minimum Income Frequent Flyer Credit Cards

Compare credit cards that have a low minimum income requirement and let you earn frequent flyer points.


Frequent flyer cards tend to have higher minimum requirements than regular credit cards which don't have the ability to earn points. They also more often than not have higher annual fees. However you can still enjoy frequent flyer benefits without paying the hefty annual fees with low minimum income frequent flyer credit cards. Learn about the benefits and features available in our guide below.

Compare low minimum income frequent flyer credit cards

There are also cards which allow joint applications, meaning some cards with slightly higher minimum incomes around the $40,000 a year mark also make it into this comparison.

What is considered a low minimum income for a frequent flyer credit card?

As frequent flyer credit cards are usually more premium products, they may have higher minimum income requirements. Some frequent flyer credit cards offer lower minimum income requirements, such as $35,000 p.a. These cards may earn fewer points per $1, offer smaller bonus points offers and not as many extra features as frequent flyer cards with higher credit limits. When you apply for a credit card, the minimum income requirement is usually listed with the eligibility criteria. Other requirements might include permanent Australian residency and a good credit score. You can check your credit score for free and online through Finder.

How to compare frequent flyer credit cards

Like a regular frequent flyer credit card, you should consider the following when you try to compare low income frequent flyer credit cards:

  • What is the annual fee? The biggest factor when determining the value you'll receive is the annual fee you'll pay vs the amount you'll spend on the card each year. Try to estimate how much you'll spend and how many points you'll earn in a year. Once you do this, look at your rewards program to see what rewards you'd most likely buy with those points. If this doesn't outweigh the annual fee, you may not get much value from the card.
  • Which rewards program is on offer? You're reading this page because you want to be rewarded for your spending, so it makes sense that you should take a thorough look at the rewards program offered with each credit card. Some will be airline frequent flyer programs such as those offered by Qantas or Virgin Australia, others might be supermarket programs, like flybuys, and others still might be the card provider's own rewards program.
  • How many interest-free days are there? If you're earning rewards points you're probably paying your balance off in full each month. If so, you may want to take advantage of any interest-free days on offer.
  • What are the rewards? Try to find a program which satisfies how you'll use your card and the rewards offer things you enjoy. If you plan to slowly build up your points, choose a program that doesn't have an expiry on points. The rate of points earnings should also be an important factor in deciding which frequent flyer credit card you choose. In other programs like Qantas Frequent Flyer and the Virgin Velocity Frequent Flyer your points don't expire as long as you keep your account active every 18 to 36 months depending on the provider.
  • Where is the card accepted? As mentioned above, some frequent flyer cards come with two linked cards, a Mastercard/Visa and an American Express, which earns points at a slightly better rate. Most low minimum income frequent flyer credit cards will only come with one card. If this is an American Express, note that while they're always adding to their networks, you may pay higher surcharges at certain retailers in Australia.
  • Are there any extras? Some credit cards with a low minimum income requirement will still have bonuses, such as complimentary insurance policies which protect items bought using the card or even complimentary travel insurance, although this may be rare. Other cards may offer free additional cardholders, so you can share your account with your partner and rack up more points.

What are the pros and cons of a low minimum income frequent flyer card?


  • Earn points as you spend. Low minimum income frequent flyer cards allow cardholders to earn points and enjoy the advantages of a frequent flyer card even if you don't have a high income.
  • Access rewards. Be rewarded for your spending and have receive a variety of rewards, from discounts on travel costs or products from the provider's e-store.
  • Extra bonuses. Get access to the other perks these cards come with, such as complimentary insurance or signup bonus points.


  • Rates. Frequent flyer cards tend to lack good earn rates, which can add up over time.
  • High annual fees. Although it may not be as expensive as some other frequent flyer credit cards, these cards generally come with a higher annual fee.
  • Limited extras. While low minimum income frequent flyer credit cards may offer some bonus extras, they're usually not as lavish as some of the more premium frequent flyer cards.

Low minimum income frequent flyer credit cards can be a good way for low income earners to receive rewards as they spend. As there are a few low minimum income frequent flyer credit cards on the market and no one perfect product, you should always compare the offers available on the market while also considering your unique financial situation and what you want to get out of the card.

Frequently asked questions

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate. Ends 2 June 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes. Ends 9 June 2020.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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