Credit Cards with Free QFF Membership

Save money when your new credit card has complimentary Qantas Frequent Flyer program membership, along with many other benefits.

15 reviews
120,000 bonus Qantas Points and $150 back when you spend $7,500 on eligible purchases in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.

Qantas has been a part of Australia’s airline history since the 1920s. Cards with complimentary Qantas Frequent Flyer membership allow you to join the Qantas rewards program for free. Points earned with the program can be redeemed for flights on Qantas and its partner airlines, or for seat upgrades, and can be used to pay for hotel bills, travel, entertainment and shopping.

What benefits do you stand to gain with the card and Qantas Frequent Flyer membership?

  • You will be rewarded for your credit card spending
  • You may gain access to bonus points once you sign up
  • You can take advantage of balance transfer offers on some of the cards
  • You can enjoy favourable purchase interest rate offers on some of the cards
  • You will usually get free travel insurance
  • You may get free insurance to protect your retail purchases
  • You may get free entry passes to Qantas Club lounges, or other airport lounge brands
  • You may receive a complimentary domestic return flight each year
  • You can transfer Qantas Points to other family members

Things to keep in mind before applying for a card with complimentary Qantas Frequent Flyer membership

  • Annual fees: You need to confirm that the benefits you stand to gain outweigh the cost of the annual fee. You can do this by working out how much money you need to spend on the card before you earn a points value equivalent to the annual fee.
  • Interest rates: Interest rates on frequent flyer cards are generally higher than those applied to cards not offering rewards points. Paying off your balance in full each month, thus avoiding interest charges, is the best way to get the most from your frequent flyer card.
  • Points capping: Points are generally accrued for every dollar spent on these cards. However, there may be a cap on the number of points you can earn each month, or the points earning rate may drop when a certain limit is reached. Find out what the cap is, for your preferred card.
  • Travel insurance coverage: The free travel insurance that usually comes with the card is a popular benefit. However, you need to read the terms and conditions of the insurance policy to be sure about what coverage it provides, and how much you need to spend to activate the policy. In some cases you may need to consider taking out a separate travel insurance policy.
  • Redemption values vary: In most cases you will get better value for your points by exchanging them for flights (especially long-haul flights) and seat upgrades, rather than for other travel options or merchandise.
  • Free membership: If you’re not already a Qantas Frequent Flyer member, remember to take up the program joining fee waiver offer (currently worth $89.50) that comes with most Qantas Frequent Flyer points cards.

It’s a good idea to fully weigh up the pros and cons before choosing a card with complimentary Qantas Frequent Flyer membership.

My monthly spend: 
$5,000
 
Features: 
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rewards program
QFF membership
earn rate
Points earned
ANZ Frequent Flyer Black Credit Card
Apply by 31 mar 19
15 reviews
120,000 bonus Qantas Points and $150 back when you spend $7,500 on eligible purchases in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.
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Qantas Frequent Flyer
Qantas Frequent Flyer
Yes
-
75,000 bonus Qantas points and $75 back when you spend $5,000 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer Membership.
Eligibility criteria, T&Cs, fees and charges apply.
More info
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Qantas Frequent Flyer
Qantas Frequent Flyer
Yes
-
30,000 points when you spend $2,500 in 60 days.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Seven complimentary insurances including overseas travel insurance.
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Qantas Frequent Flyer
Qantas Frequent Flyer
Yes
-
25,000 bonus Qantas points when you spend $1,500 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer membership.
Eligibility criteria, T&Cs, fees and charges apply.
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Qantas Frequent Flyer
Qantas Frequent Flyer
Yes
0.5 pts per $1 spent up to $500 then 0.25 pts per $1 spent Above $500
Earn Qantas Points on eligible everyday purchases.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Free membership into the Qantas Frequent Flyer Program saving you $89.50.
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Qantas Frequent Flyer
Qantas Frequent Flyer
Yes
0.5 pts
per $1 spent capped
Bank of Melbourne Amplify Credit Card
Apply by 23 jan 19
4 reviews
0% p.a. for 14 months on purchases.
Flexibility to choose the rewards program that better suits you.
Up to 55 days on purchases.
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Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
Yes
0.5 pts
per $1 spent
Bank of Melbourne Amplify Platinum Credit Card (Amplify)
Apply by 23 jan 19
Up to 50,000 Amplify points. Conditions Apply.
No annual fee for the first year.
No cap on the number of points you can earn.
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Amplify Rewards
Amplify Rewards
Yes
0.5 pts
per $1 spent
Bank of Melbourne Amplify Platinum Credit Card (Qantas)
Apply by 23 jan 19
3 reviews
Up to 50,000 Qantas points. Conditions Apply.
Flexibility to choose the rewards programs that better suits you.
No cap on the number of points you can earn.
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Amplify Qantas
Amplify Qantas
Yes
0.5 pts
per $1 spent
Bank of Melbourne Amplify Signature Credit Card (Qantas)
Apply by 23 jan 19
Up to 80,000 Qantas points. Conditions Apply.
Reduced annual fee of $179 in the first year, currently saving you $100.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
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Amplify Qantas
Amplify Qantas
Yes
0.75 pts
per $1 spent
Bank of Melbourne Amplify Signature Credit Card Online Exclusive Offer (Amplify)
Apply by 17 dec 18
ONLINE EXCLUSIVE OFFER
Up to 100,000 Amplify points. Conditions Apply.
No annual fee in the first year, currently saving you $279.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
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Amplify Rewards
Amplify Rewards
Yes
1.5 pts
per $1 spent (Amplify)
BankSA Amplify Credit Card
Apply by 23 jan 19
4 reviews
0% p.a. for 14 months on purchases.
Earn 1 Amplify point per $1 spent.
Up to 55 days on purchases.
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Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
Yes
0.5 pts
per $1 spent
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Q&A's about Free Qantas Frequent Flyer Membership from customers

Q: Who should choose a card with complimentary Qantas Frequent Flyer membership?

Since cards with complimentary Qantas Frequent Flyer membership only have this benefit because they also earn Qantas Frequent Flyer (QFF) points on any spending made with them, anyone who wants to collect QFF points can take advantage of this type of card. However, they will only be able to use the free QFF membership if they are not already a QFF member, since the fee is payable only once when fist joining the program.

Q: Do all cards offering QFF points also offer complimentary QFF membership?

The majority of QFF points-earning cards do pay the QFF program joining fee for new cardholders who are not already members. However, it is by no means universal, and you will need to check that your chosen card has this benefit if the joining fee waiver is important to you.

Q: Are there any cards offering free membership with other airline frequent flyer programs?

Qantas Frequent Flyer is one of the few airline programs to charge a joining fee. Virgin Australia’s Velocity Program is free to join. Australians can also earn or transfer rewards points to Emirates, Singapore Airlines, Air New Zealand, Cathay Pacific, AirAsia, Malaysian Airlines and Etihad. With the exception of Cathay Pacific, which has a USD50 joining fee, all of their frequent flyer programs are free to join.

If you want to earn QFF points by flying with Jetstar, you’ll need to be a QFF member.

Q: Will I be automatically enrolled in the QFF program if I choose a card with complimentary QFF membership?

No. If you are not already a QFF member you will need to make it clear during the card application process that you require the joining fee waiver.

Q: Do cards with complimentary QFF membership have any other benefits?

Any card with complimentary QFF membership will also earn QFF points on any spending with the card. For a QFF card with a very low annual fee, these may be the only two benefits. Cards with a higher annual fee are likely to include benefits like complimentary travel and shoppers’ insurance, airport lounge passes, bonus QFF points, and even free flights on the most expensive cards.

Q: Is 1 QFF point worth $1?

Sadly, no. It’s more like 1 cent. What you spend your QFF points on will determine the value that you get from the points. For example, if you redeem/spend some points for 1 x $100 gift card or a consumer product like a TV it won’t be the best value. If you build up your points total and redeem/spend your points on a domestic or international seat in premium economy or business class you will get a much higher points-to-dollar value.

Q: How easy is it to be approved for a Qantas 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. Credit card lenders verify your identity, assess your financial profile and look at your credit rating. That being said, not all frequent flyer credit cards require high earnings. Just make sure you have no history of bad credit and you should be okay.

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