The annual fee is only $95 p.a..
Get 50,000 Qantas points when you spend $1,500 within the 1st 3 months.
Save yourself $82.50 with complimentary QFF membership.
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Frequent Flyer Credit Cards

Apply for a frequent flyer card to earn points as you spend and redeem them for flights and upgrades with your favourite airline.

Frequent travellers have many credit cards geared specifically toward them: in return for their business, presumably frequent, banks offer many benefits, the most popular of which is frequent flyer points redeemable for flights on a particular airline. But some cards have reward programs that are redeemable on more than one airline, or offer other benefits such as lounge access, complimentary travel insurance, priority check-in or complimentary seat upgrades. The requirements for these cards vary – our site’s Smart Search tool can help identify the cards you are eligible for.

Because of the added benefits, frequent flyer cards normally have higher purchase rates and annual fees. Many cards, however, come with introductory bonus points, waived fees, or reduced purchase rates.

The frequent flyer cards listed here include programs with most of the major Australian aviation players; most of these programs are free to join, but not all. Depending on your travel, you should also consider your other needs before applying. Some cards, for example, come without any foreign transaction fees, which can certainly add up if you are constantly on the road.

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Amount spent per month: 
$3000
 
 
 
card features
rewards program
earn rate
sign up bonus
your earnings
ANZ Frequent Flyer Platinum Credit Card
APPLY BY 27 oct 14
Rated by 6 people
Pocket 50,000 QFF points when you spend $1,500 within the 1st 3 months.
Complimentary Qantas Frequent Flyer membership, saving you $82.50.
Complimentary overseas travel and medical insurance saving you $800.
Qantas Frequent Flyer
Qantas Frequent Flyer
1.5 pts
per $1 spent
50,000
QFF points
 
over 12 mths (up to)
Application
60 second response
More details
Boost your Qantas account with up to 50,000 QFF points and earn up to 3 QFF points per $1 spent.
Enjoy 1 x complimentary Qantas domestic economy return flight between selected capital cities each year.
Qantas Frequent Flyer
Qantas Frequent Flyer
3 pts
per $1 spent
50,000
QFF points
 
over 12 mths (up to)
Application
More details
One of most popular American Express credit cards on this site.
Bonus 7,500 QFF points and earn rate of 1 pt per $1 spent on spending.
No annual fee card with complimentary purchase and refund protection.
Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
7,500
QFF points
 
over 12 mths (up to)
Application
More details
Enjoy up to 50,000 QFF points (conditions apply).
Earn 1 Qantas point per $1 spent on eligible purchases in Australia.
Complimentary international travel insurance and more.
Qantas Frequent Flyer
Qantas Frequent Flyer
1 pts
per $1 spent
50,000
QFF points
 
over 12 mths (up to)
Application
60 second response
More details
ANZ Frequent Flyer Credit Card
APPLY BY 27 oct 14
Rated by 22 people
The annual fee is only $95 p.a..
Get 50,000 Qantas points when you spend $1,500 within the 1st 3 months.
Save yourself $82.50 with complimentary QFF membership.
Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
50,000
Qantas points
 
over 12 mths (up to)
Application
60 second response
More details
Earn up to 15,000 points (Spend requirements apply).
0% p.a. for 6 months on balance transfers.
Reduced Virgin Australia Domestic Saver flights up to 4 x per year for you and a friend.
Velocity Frequent Flyer
Velocity Frequent Flyer
1 pt
per $1 spent
-
 
over 12 mths (up to)
Application
60 second response
More details
Earn 1.5 points per $1 spent on eligible purchases in Australia.
Earn 4 points per $1 spent overseas including international websites.
Complimentary insurances including international travel insurance.
Citibank Rewards
Citibank Rewards
1 QFF pt
per $1 spent
60,000
Citibank Reward points
 
over 12 mths (up to)
Application
60 second response
More details
Pocket 50,000 QFF points when you spend $1,500 within the 1st 3 months.
2 complimentary Qantas Club Lounge invitations per year.
Unlimited access to participating airport lounges outside Australia, through Veloce.
Qantas Frequent Flyer
Qantas Frequent Flyer
1.5 pts
per $1 spent
50,000
QFF points
 
over 12 mths (up to)
Application
60 second response
More details
American Express Platinum Charge Card
APPLY BY 30 nov 14
Rated by 4 people
Receive 80,000 Membership Rewards points.
Redeem your points on a choice of 10 leading airline rewards programs.
Access to 600 VIP lounges with complimentary membership of Priority Pass.
Membership Rewards Ascent
Membership Rewards Ascent
3 pts
per $1 spent
(up to)
80,000
Membership
Rewards points
 
over 12 mths (up to)
Application
More details
Bonus 20,000 QFF points and earn up to 2 QFF points per $1 spent on eligible purchases.
2 x Qantas Club lounge passes every year at no extra cost.
Useful package of travel insurances for international travel.
Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
20,000
QFF points
 
over 12 mths (up to)
Application
More details
Show more cards

Q&A's about Frequent Flyer Credit Cards from Customers

Q: Is a frequent flyer credit card right for me?

If your lifestyle involves plenty of travel, catching flights and purchasing travel-related products and services such as hotels and rentals, a frequent flyer credit card could be a great choice. These cards work best if you spend often; you get the most out of your membership by making purchases and earning points. Membership also opens doors to other benefits such as concierge services, access to airport lounges, priority airport check-in, complimentary upgrades along with a rolling program of special offers and discounts. Credit cards for frequent flyers usually feature insurance policies including travel insurance and purchase protection.

If you are likely to overspend, don’t always clear the balance in full and have an ongoing debt on your credit card account, the cost of using your credit card outweighs the benefits of the program. And since these cards usually have an annual fee, if you don’t travel often or use your card infrequently, another type of card would be better. Note that cash advances, buying foreign currency, balance transfers, gambling payments and other types of transaction are usually exempt from the rewards scheme and earn no points.

Q: What features should I consider when comparing cards?

You should examine all the credit card features and the details of the frequent flyer program when comparing and selecting a new card.

Program partners: The program should involve airlines, hotels, retailers and other companies that you regularly spend with using your credit card and offer the opportunity to redeem the points for rewards you want to use.

Earn rate (points per dollar spent): The value of the points you earn is very important. You should take the time to see how points are earned and the number of points needed for rewards to judge how much value for money the program really provides. For example, a card may offer 3 points per dollar, but the real value of each point may be lower than a card that offers 1 point per dollar, depending on amount needed to redeem a ticket, restrictions and blackout dates, and so on.

Introductory offers and sign up bonuses: Banks regularly offer bonus points during an introductory period, which can be a great opportunity to quickly earn rewards, but you should always examine how the program changes once the offer ends. Many cards also often run award sign-up bonuses.

Extra benefits: Frequent flyer points credit cards usually feature other benefits alongside the rewards program, including travel insurance and purchase protection. In terms of travel insurance, the level of cover can be dramatically different from one card to another, with some offering cover you and your family internationally and domestically, while others only offer cover for you while overseas.

Interest rates: As with any credit card, one of the most essential features to look at is the interest on the account, including purchase and cash advance rates. You want to use your credit card for everyday purchases, not just during travel, so it should feature a competitively low interest rate. Assuming you travel regularly, you should also research foreign exchange fees and foreign transaction fees.

Annual fees: Many of these cards feature a significantly higher annual fee than standard credit cards. You should calculate how this balances with the credit card’s other features to make sure that the cost of using your card doesn’t negate the benefits.

Q: What kinds of restrictions do frequent flyer credit cards have?

Each frequent flyer program has its own set of rules and regulations regarding points capping and expiration. Some cards operate with a tiered points system, where you earn more when you spend at places connected to the program.

Q: Can I get a credit card linked directly with a specific airline?

Yes. You can compare frequent flyer credit cards for the following airlines:

Q: How much does it cost to join a frequent flyer program?

You need to enrol to become a member of a program. Most programs are free, or free with a sign-up, with the exception of Qantas Frequent Flyer, which charges a one-time fee of $82.50 to join, although the fee is occasionally waved during promotions. Depending on the program, you must earn or spend points at least once during a set period to keep your membership current and not lose your points. For Qantas, it’s once every 18 months; for Velocity, it’s at least once every 36 months, for example.

Q: How easy is it to be approved for a frequent flyer credit card?

The criteria and the process is the same as all other credit cards, but because these cards are premium products the bar is higher. Banks look at your credit rating, verify who you are and verify your income. That being said, not all frequent flyer credit cards require high earnings. Just make sure you have no bad credit history and you should be okay.

h2.

Q&A's about Earning Frequent Flyer Points

Q: How do I earn points?

The way you earn air miles varies between different frequent flyer membership programs, but they generally function in the same way as other types of rewards scheme: you earn points each time you use your card. Typically, there is a flat rate of earning for every dollar spent on you credit card and a bonus rate for purchases with the program’s partners such as affiliated airlines, hotels, retail outlets and other partners. Different credit cards earn points at different rates within the same program – gold and platinum cards often earn more points than standard cards – and you maybe able to earn bonus points during introductory offers. It’s common for a bank to issue two cards for your account, an American Express and Visa / MasterCard, with the AmEx having the higher earn rate of the two.

Q: What’s the best way to maximise earning rewards points?

There are many ways to racket up your points total but you shouldn’t go out of your way to spend more in order earn more points. To get the most earning potential out of your card you need to be spending often and earning plenty of points on those purchases. Depending on your circumstances it might be a good idea to see what regular payments you can move to your credit card – things such as weekly groceries, fuel payments and direct debits for bills – so that you can earn points on your normal payments. Also, some of the frequent flyer credit cards will earn up to 5 points for every dollar spent when you spend at a restaurant or store which participates in that rewards program. That’s an idea to get you thinking.

Q: Can low spenders make a frequent flyer card work?

Yes. It all comes down to the maths and everyone is equal in that regard. If you spend the money on the right cards, your points will add up and the reward can be redeemed. It might take a little longer if you are a low spender, but it will all still work out. The bonus points that you get at signup or upon first spend will also help get you going. Low spenders should probably aim for a frequent flyer card with the lowest annual fee so that they can faster reach the break even point where the reward benefit equals the cost of holding the card. Again it’ll come down to how and when you redeem your points.

Q: Do balance transfers and cash advances earn frequent flyer points?

No, sadly they do not earn points. You should also be aware that frequent flyer cards have higher interest rates than normal low rate credit cards because it is a premium product.

Q: Is it a good idea to earn points across different frequent flyer programs?

Yes, if you fly frequently enough, sustainably spend and repay your monthly credit card statements and need maximum flexibility to fly with almost any airline then it is an idea worth considering. Mind you, managing your multiple credit cards and airline program balances could become complex. One way round this would be to apply for a card from American Express that has Membership Rewards. The benefits of earning Membership Rewards points is that your points balance can be transferred to a number of airline frequent flyer programs, so you aren’t tied to one specific airline or alliance.

Q: Do people sign up to get the bonus flyer points then cancel their card?

Yes, people who chase the extra points do this. There’s nothing to stop you from getting a card (subject to approval), pocketing the signup bonus points and then closing the card down later on. Mind you, it would need to make sense financially to do so because almost all frequent flyer rewards cards have annual fees.

Q: Will I lose my frequent flyer points if I close down my frequent flyer credit card?

No, that won’t be a problem. The points that you earn in a frequent flyer program are separate to your credit card. So if you’re cutting up a card or just switching to another card your points won’t be affected.

h2.

Q&A's about Redeeming Frequent Flyer Points

Q: How can I spend my points?

Points can be redeemed for flights with affiliated airlines: you can redeem Qantas Frequent Flyer points, for example, for flights with Qantas, British Airways and American Airlines, among others. You can also use your points for hotel accommodation, resorts and holiday packages, car rentals, entertainment and leisure services, retail products and many other options. Frequent flyer programs usually allow you to pay partly in points and partly with money. The credit card’s frequent flyer program usually gives you access to an online account where you can check your balance, browse for products and services and learn about special offers.

Q: How much are frequent flyer points worth?

Sadly, 1 frequent flyer point is not worth $1 dollar. That’d be amazing. You’ve got to think of the points you earn as a separate currency to the Aussie dollar. What you spend your points on will determine the value you are able to yield from those points. Redeeming your points for a $100 gift card is easy and convenient but will not be the best value. Redeeming your frequent flyer points for a premium economy seat or business class seat on an international flight with most airlines will yield a much higher points-to-dollar value.

Q: Will I have the flexibility to redeem my frequent flyer points with any airline?

No, but there’s a lot of flexibility with each frequent flyer program. Qantas is a member of the OneWorld alliance so points can be used for flights with Qantas and 14 other OneWorld airlines. The Velocity program in Australia is partnered with Virgin Australia and 7 other airlines in the Star Alliance group. Another great option is to earn Membership Rewards points with American Express credit cards because your points can be redeemed or transferred over to about 9 airlines.

Still need help? Ask us a question

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We welcome your questions but we cannot help if you need personal financial advice or if have lost your card or need to resolve a dispute with your bank.
 

Frequent Flyer Credit Cards with the Most Signup Points

One of the best ways to earn a lot of points is to apply for a credit card with a signup bonus. Not all cards have a signup bonus and you may need to jump through a few hoops before they hit your frequent flyer account, but when you’ve got them they are yours to spend as you like.
American Express Platinum Charge Card
Membership Rewards Ascent
Membership Rewards Ascent


points

Citibank Rewards Credit Card - Signature Points Offer
Citibank Rewards
Citibank Rewards


points

Virgin Australia Velocity High Flyer Credit Card
Velocity Frequent Flyer
Velocity Frequent Flyer


points

ANZ Frequent Flyer Platinum Credit Card
Qantas Frequent Flyer
Qantas Frequent Flyer


points

American Express Qantas Ultimate Credit Card
Qantas Frequent Flyer
Qantas Frequent Flyer


points

Terms and Conditions apply to the offer of bonus points. You can read those Terms and Conditions on the application.
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