Qantas Frequent Flyer Credit Cards

Compare and apply for one of the best Qantas Frequent Flyer credit cards, get sign-up bonus Qantas Points, plus enjoy travel perks like airport lounge access and Status Credits.

By   |   Updated 14 Jun 2024

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Comparing Qantas Frequent Flyer credit cards

American Express Qantas Ultimate Credit Card

FeaturedApply by 3 September 2024

American Express Qantas Ultimate Credit Card

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.25 points

Sign up bonus

70,000 points

Annual fee

$450.00 p.a. ongoing

Highlights

  • Get up to 90,000 bonus Qantas Points. Acquire 70,000 bonus Qantas Points by applying before 28 May 2024, getting approved, and spending $3,000 on eligible purchases within the first 3 months. Plus, an additional 20,000 bonus Qantas Points in your second year upon fee renewal. T&Cs apply. Exclusive to New Card Members.
  • Receive 2 complimentary Qantas Club lounge invitations annually.
  • Access a $450 Qantas Travel Credit each year (conditions apply).

Pros

  • Earn up to 90,000 bonus Qantas Points when you meet the criteria.
  • Excellent earn rates on everyday spending. Earns points on payments to the ATO.
  • Access to The Centurion® Lounge. after your first card spend on the card for Qantas products and services each anniversary year.
  • 2 complimentary Qantas Club lounge invitations each year.
  • Add cards for up to four family and friends at no cost.

Cons

  • The annual fee of $450.
  • There is no concierge service, even though it's a high end card.
  • Balance transfers are not possible.
  • Transactions in a foreign currency attract a fee.
American Express Qantas Business Rewards Card

Rewards program

Qantas Business Rewards

Points per $1 spent

1.25 points

Sign up bonus

170,000 points

Annual fee

$450.00 p.a. ongoing

Highlights

  • Obtain 170,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 25 June 2024, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros

  • Earn 170,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Platinum Card

Apply by 25 June 2024

American Express Platinum Card

Rewards program

Membership Rewards

Points per $1 spent

2.25 points

Sign up bonus

150,000 points

Annual fee

$1,450.00 p.a. ongoing

Highlights

  • Acquire 150,000 Bonus Membership Rewards Points by applying before 25 June 2024, getting approved, and spending $5,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
  • Utilize a $450 Platinum Travel Credit annually for flight, hotel, or car rental bookings.
  • Indulge in up to $400 per calendar year when dining at a curated selection of over 1,400 hand-picked restaurants, both domestically and internationally. Terms and Conditions apply.

Pros

  • Receive 150,000 Bonus Membership Rewards Points when you meet the criteria.
  • Receive a $450 Platinum Travel Credit each year.
  • Enjoy up to $400 Global Dining Credit per calendar year.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,450.
American Express Platinum Business Card

Rewards program

Membership Rewards

Points per $1 spent

2.25 points

Sign up bonus

350,000 points

Annual fee

$1,750.00 p.a. ongoing

Highlights

  • Obtain 350,000 bonus Membership Rewards points by applying before 25 June 2024, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 350,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,750 p.a.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
The Qantas American Express Premium Card

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

20,000 points

Annual fee

$249.00 p.a. ongoing

Highlights

  • Obtain 20,000 bonus Qantas Points upon online application approval and spending $3,000 within 3 months. Exclusive to New Amex Card Members.
  • Enjoy 2 complimentary Qantas Club invitations annually (conditions apply).
  • Benefit from complimentary domestic and international travel insurance coverage.

Pros

  • 20,000 bonus Qantas points for signing up and hitting the spending target.
  • Earn points on your everyday spend. Also earns points at a reduced rate on government spend.
  • Give up to 4 of your friends and family a card — at no extra cost — to earn more points.
  • $450 Qantas Travel Credit, which is fairly easy to trigger with your first Qantas purchase each year.
  • Comes with complimentary card purchase cover and travel insurance.

Cons

  • There is an annual fee of $249.
  • The purchase rate is quite high, but can be avoided with responsible use.
  • No balance transfer facility.
Qantas Premier Titanium Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.25 points

Sign up bonus

150,000 points

Annual fee

$1,200.00 p.a. ongoing

Highlights

  • Acquire 150,000 bonus Qantas Points upon reaching a $5,000 expenditure within 90 days of card approval.
  • Experience a 20% bonus on Status Credits for Qantas operated and marketed flights.
  • Distinguish yourself with this metal card, setting you apart from conventional plastic cards.

Pros

  • A very substantial sign up bonus with a reasonable spending target.
  • Earn Status Credits when you buy eligible Qantas flights with the card.
  • A high Qantas Points earn rate.
  • Four Qantas airport lounge passes each year.
  • Comes with complimentary domestic and international travel insurance.
  • The physical card is made of metal.

Cons

  • The annual fee is on the high end.
  • No free additional cardholders.
  • Ongoing interest rates are typical of a rewards card.
Qantas Premier Platinum Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

70,000 points

Annual fee

$349.00 for 1st year

Highlights

  • Get up to 100,000 bonus Qantas Points. Get 70,000 bonus Qantas Points upon spending $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 30,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
  • Benefit from 0% on Balance Transfer for 12 months with a 2% Balance Transfer fee. Returns to Cash Advance rate thereafter. No interest-free days are applicable on retail purchases with an outstanding balance transfer.
  • Benefit from the reduced annual fee of $349 p.a. for the initial year. An ongoing annual fee of $399 p.a. is applicable in the 2nd year.

Pros

  • Earn up to 100,000 bonus Qantas Points when you meet the criteria.
  • 0% p.a. for 12 months on balance transfers.
  • Additional savings with the $349 first-year annual fee.
  • Comes with complimentary travel insurance.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
  • There is a 2% balance transfer fee.
ANZ Frequent Flyer Black Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

100,000 points

Annual fee

$425.00 p.a. ongoing

Highlights

  • Receive up to 130,000 points. Obtain 100,000 bonus Qantas Points and $250 cashback to your new card upon spending $5,000 on qualifying purchases within the initial 3 months from approval. Additionally, earn an extra 30,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • Enjoy 7 complimentary insurances, including International Travel Insurance.

Pros

  • Earn up to 130,000 bonus Qantas Points and $250 cashback when you meet the criteria.
  • 1 point per $1 spent up to $7,500 per statement period.
  • Earn an uncapped number of points.
  • Enjoy 2 complimentary Qantas Club lounge invitations each year.
  • Comes with complimentary international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
Qudos Bank Visa Platinum Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

N/A

Annual fee

$199.00 p.a. ongoing

Highlights

  • 4.99% p.a. for 5 months on balance transfers, and purchases. Reverts to 19.49% p.a.
  • Up to 55 interest-free days on purchases.
  • Earn 1 Qantas Point per $1 spent on eligible purchases.

Pros

  • Earn 1 Qantas Point for every $1 spent on eligible purchases.
  • Complimentary overseas travel insurance.
  • 24/7 worldwide Visa Premium Concierge Service.
  • Works with most of the major digital wallets.

Cons

  • The $199 p.a. annual fee.
  • There is a 3.65% foreign conversion fee.
HSBC Platinum Qantas Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.5 points

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Highlights

  • Accrue 1 Qantas Point per $1 spent, up to $1,000 monthly; thereafter, earn 0.5 Qantas Points. Point accumulation capped at 7,500 per statement period.
  • Enjoy 0% p.a. for 12 months on balance transfers, with a 2% balance transfer fee. (Reverts to cash advance rate of 21.99% p.a.)
  • Includes complimentary travel insurance and purchase insurance.

Pros

  • Earn up to 1 Qantas Point per $1 spent.
  • Comes with complimentary travel insurance and purchase insurance.
  • You get complimentary Qantas Frequent Flyer membership for free.
  • Add additional cardholders for free.
  • Up to 55 interest-free days.

Cons

  • There is a 2% BT fee.
  • Qantas Points are capped at 7,500 per statement period.
  • Ongoing annual fee of $299 p.a.
  • Ongoing interest rates are high.
Macquarie Black Credit Card with Macquarie Rewards

On website

Rewards program

Macquarie Rewards

Points per $1 spent

2 points

Sign up bonus

20,000 points

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 2 Macquarie Reward points per $1 spent.
  • Receive up to $54 in gift cards when you spend $5,000 per month.
  • Enjoy up to 4 free additional cardholders.

Pros

  • No international purchase fees.
  • Earn 2 Macquarie Reward points per $1 spent.
  • Macquarie Rewards points can be redeemed for virtual gift cards or as cashback.
  • $54 in gift cards when you spend $5,000 per month.
  • Up to 55 days interest-free on purchase.
  • Comes with complimentary overseas travel insurance and an extended warranty on purchases.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $149 p.a. annual fee.
  • Points can't be transferred to airline rewards programs.
  • Interest rates are about average for a rewards card, i.e. not very low.
Macquarie Visa Platinum Credit Card

On website

Rewards program

Macquarie Bank Rewards

Points per $1 spent

1.25 points

Sign up bonus

40,000 points

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to $20 in gift cards when you spend $3,100 monthly. Terms and Conditions apply.
  • Earn 1.25 Macquarie Reward points per $1 spent.
  • Benefit from up to 4 free additional cardholders, with the option to add more at an additional cost.

Pros

  • No international purchase fees.
  • Up to 55 days interest-free on purchase.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $99 p.a. annual fee.
  • Samsung Pay is not supported.
  • Macquarie Rewards have no airline partners.
Westpac Altitude Platinum Credit Card (Qantas)

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.5 points

Sign up bonus

70,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 80,000 bonus Qantas Points. Acquire 70,000 Qantas Points in the first year upon spending $4k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year..
  • Initial $99 p.a. annual fee followed by $175 p.a. thereafter (Plus a $75 Qantas Rewards opt-in annual fee).
  • Earn 0.5 Qantas points per $1 spent on eligible purchases.

Pros

  • Receive up to 80,000 bonus Qantas Points when you meet the criteria.
  • Additional savings with the $99 first-year annual fee ($175 p.a. thereafter).
  • Comes with complimentary insurance covers which include overseas medical and purchase security.

Cons

  • Only up to 45 days interest-free on purchases.
Qantas American Express Discovery Credit Card

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.75 points

Sign up bonus

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Acquire 1.75 Qantas Points on eligible Qantas products and services.
  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except for spending at government bodies in Australia, where you will earn 0.5 Qantas Points per $1 spent.
  • Enjoy no annual card fee.
  • Obtain up to 4 Additional Cards for family members or friends with no extra fee.

Pros

  • Ongoing $0 annual fee, a rarity among rewards credit cards.
  • Earn 0.75 Qantas points per $1 spent and 0.5 Qantas points per $1 for government spend.
  • No cap on the number of points you can earn.
  • Add up to 4 additional cards for family members or friends with no extra fee.
  • Complimentary Card Purchase Cover and Card Refund Cover.

Cons

  • There is a 3% foreign transaction fee.
  • Lacks complimentary travel insurance.
  • There is no access to a concierge service.
St.George Amplify Platinum Credit Card (Qantas)

On website

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Qantas)

Rewards program

Amplify Qantas

Points per $1 spent

0.5 points

Sign up bonus

70,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Up to 70,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped). Additionally, receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
Bendigo Bank Qantas Platinum Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.6 points

Sign up bonus

N/A

Annual fee

$149.00 p.a. ongoing

Highlights

  • Accrue 0.6 Qantas Points for every $1 spent.
  • Benefit from 180 days of thorough travel insurance.
  • Comes with an extended warranty for eligible purchases and 90-day purchase protection for items stolen or accidentally damaged (terms apply).

Pros

  • Earn 0.6 Qantas Points per $1 spent.
  • Free Qantas Frequent Flyer membership.
  • 180 days of comprehensive travel insurance.
  • Up to 55 days interest-free.

Cons

  • There is no introductory balance transfer offer or purchase rate offer.
  • The 20,000 cap on reward earnings per statement period.
  • ATO spend does not earn points.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.5 points

Sign up bonus

60,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Benefit from 0% interest for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate of 21.49% p.a.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.


Pros

  • The 70,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Platinum Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.5 points

Sign up bonus

60,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped) and receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurances.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Signature Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.75 points

Sign up bonus

90,000 points

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 90,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on transferred amounts.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee of $295 p.a.
ANZ Qantas Business Rewards Credit Card

On website

Rewards program

ANZ Business Rewards

Points per $1 spent

0.75 points

Sign up bonus

130,000 points

Annual fee

$300.00 p.a. ongoing

Highlights

  • Get 130,000 bonus Reward Points upon spending $6,000 on eligible purchases within the initial 3 months after approval.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.
BankVic Qantas Visa Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.5 points

Sign up bonus

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Obtain 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
  • Experience $0 p.a. annual fee.
  • Includes complimentary overseas travel insurance.

Pros

  • No annual fee.
  • Take advantage of the promotional rate on purchases and balance transfers.
  • Get up to 55 interest-free days on purchases.

Cons

  • There is no ongoing signup bonus promo for this card.
  • The attractive 8.99% introductory purchase interest rate reverts to an ongoing purchase rate of 18.95 after six months.
Westpac Altitude Black Credit Card (Qantas)

On website

Apply by 31 July 2024

Westpac Altitude Black Credit Card (Qantas)

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.75 points

Sign up bonus

90,000 points

Annual fee

$295.00 p.a. ongoing

Highlights

  • Earn up to 120,000 bonus Qantas Points. Obtain 90,000 points upon spending $6,000 in the initial 90 days from the account approval date. Additionally, receive 30,000 points after making your eligible purchase in the second year.
  • Earn 0.75 Qantas points per $1 spent.
  • Enjoy two (2) complimentary Qantas Club airport lounge passes annually.

Pros

  • Earn up to 120,000 bonus Qantas Points when you meet the criteria.
  • Get a free additional card holder.
  • Comes with complimentary travel insurance.

Cons

  • The $295 p.a. annual fee (plus a $75 Qantas opt-in fee).
Qantas Premier Everyday Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.75 points

Sign up bonus

8,000 points

Annual fee

$99.00 p.a. ongoing

Highlights

  • Receive a potential boost of 8,000 bonus Qantas Points upon successful application. Gain 2 bonus Qantas Points for every $1 spent on qualifying purchases within 4 months post-card approval. Applicable Terms and Conditions.
  • Enjoy a modest annual fee of $99.
  • Benefit from a 0% p.a. rate for 12 months on balance transfers, which then transitions to the Cash Advance Rate.

Pros

  • Earn up to 8,000 bonus Qantas Points when you meet the criteria.
  • The low annual fee of $99 p.a.
  • Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period.
  • Comes with complimentary overseas travel insurance.

Cons

  • There is a 2% Balance Transfer fee.
  • Foreign transactions incur a 3% fee.
NAB Qantas Rewards Premium Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.67 points

Sign up bonus

70,000 points

Annual fee

$150.00 for 1st year

Highlights

  • Receive 70,000 bonus Qantas Points upon spending $2,000 within the initial 60 days.
  • First-year annual fee reduced to $150 p.a. from $250 p.a. (saving $100).
  • Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period, and 1 Qantas Point per $3 spent thereafter (capped at $6,000).
  • Enjoy complimentary Qantas Frequent Flyer membership, saving $99.50.

Pros

  • The 70,000 bonus Qantas Points.
  • The discounted annual fee for the first year.
  • Free Qantas Frequent Flyer membership (a saving of $99.50).
  • Comes with a host of complimentary insurances when you make an eligible purchase.
  • Visa Premium Access and NAB Concierge Services 24/7.

Cons

  • Points earning capped at $6,000 spent per statement period.
  • Higher annual fee compared to other Qantas cards.
  • Interest rates are high, which is typical for most rewards-earning cards.
NAB Qantas Business Signature Credit Card

On website

Rewards program

Qantas Business Rewards

Points per $1 spent

0.66 points

Sign up bonus

150,000 points

Annual fee

$295.00 p.a. ongoing

Highlights

  • Obtain 150,000 bonus Qantas Points upon spending $4,000 on everyday purchases within 60 days.
  • Accrue 0.67 Qantas Points per $1 spent.
  • Include additional cardholders, each with personalized credit limits.

Pros

  • Earn 150,000 bonus Qantas points by spending $4,000 on eligible business purchases within 60 days of account opening.
  • Up to 44 interest-free days on business purchases.
  • Comes with access to Visa's global concierge service, and complimentary unauthorised transaction insurance.
  • Add multiple additional cardholders, each with individual credit limits.
  • Supports most digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Lacks complimentary international travel insurance.
  • Points are capped at $50,000 per card per statement period.
NAB Qantas Rewards Signature Credit Card

On website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

90,000 points

Annual fee

$295.00 for 1st year

Highlights

  • Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
  • First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros

  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Six complimentary insurances when you make an eligible purchase.
  • Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).

Cons

  • Annual fee of $395 p.a. is quite high.

Frequent Flyer credit cards offer an easy ways to collect Qantas Points without flying. The Qantas Points you earn can be redeemed for a wide array of goods, services, and experiences through the Qantas Frequent Flyer program. High value redemptions include flights, upgrades to Business Class and First Class with Qantas and oneworld airlines, and luxury hotel stays. The most prestigious Qantas Points cards also earn Status Credits that enhance your Qantas Frequent Flyer membership status, and comes with complimentary access to Qantas Club airport lounges.

Suppose you are looking for the highest Qantas Points-earning credit card. In that case, you can take one of two approaches: You may opt for a credit card that is directly linked with Qantas Frequent Flyer or get a card that earns points in a separate rewards program with Qantas Frequent Flyer as a transfer option.

Cards that allow point transfers to Qantas Frequent Flyer generally offer greater flexibility in terms of how points can be used since they generally have multiple airline transfer partners across several alliances. Given the high demand for Classic Reward seats, this option is worth considering, especially if you're not a Qantas loyalist.

David Boyd, co-founder of Credit Card Compare

David Boyd, co-founder of Credit Card Compare, explains, "We've earned millions of Qantas Points over the years thanks to Qantas credit cards and used them to fly in premium classes and for hotel stays. If you are diligent about paying off the balance, they can open up travel experiences that would otherwise simply be unaffordable."

Types of Qantas credit cards

  • Qantas Frequent Flyer credit cards: Earn Qantas Points per dollar spent. Many also come with additional perks such as complimentary travel insurance and airport lounge access.
  • Qantas Status Credits credit cards: The most elite level Qantas credit cards come with higher annual fees, but offer the ability to earn Status Credits without flying. They also tend to have higher Qantas Points earn rates. Complimentary travel vouchers, complimentary travel insurance, and airport lounge passes are also common features of this classification of card.
  • Qantas Lounge credit cards: Besides earning Qantas Points, these cards come with access passes for Qantas Lounges.
  • Qantas Points credit cards with no annual fee: Although quite rare, they do exist. For those of us who are more budget-conscious, it's a trade-off worth considering to earn Qantas Points without paying an annual fee.

What to consider when choosing a Qantas Points credit card

  • Qantas Points earn rate: Check how many Qantas Points you can earn per dollar spent on the card. Consider bonus points offers, points caps, and any conditions associated with earning rewards.
  • Annual fees: Compare the annual fees of different Qantas credit cards and assess whether the benefits and rewards justify the cost. The annual fee for higher-end cards can be considerable. Be certain that you are likely to make full use out of it before you commit to these.
  • Introductory offers: Look out for any introductory bonus points offers, waived annual fees for the first year, or other promotional deals that can boost your initial points balance.
  • Travel benefits: Consider travel-related perks such as airport lounge access, complimentary travel insurance, flight vouchers, and concierge services offered by the credit card.
  • Interest rates and fees: Compare the interest rates, late payment fees, foreign transaction fees, and other charges associated with the credit card to understand the overall cost of using it.
  • Additional features: Explore additional features like complimentary purchase protection, extended warranty insurance, and access to exclusive events that may come with certain Qantas credit cards.

How to apply for a Qantas Points-earning credit card

  • Eligibility criteria: Understand the eligibility requirements set by the card issuer, including minimum income thresholds, credit history checks, and residency status.
  • Application process: Learn how to apply for a Qantas credit card online, in-branch, or through a third-party comparison website. Gather the necessary documents and information required for the application.
  • Approval and activation: After submitting your application, wait for approval from the card issuer. Once approved, activate your new Qantas credit card following the provided instructions and you are ready to go!

Help choosing a Qantas Points credit card

Unsure about Qantas Points credit cards? Questions and answers to make a more informed choice.

  • FAQs

  • Pros & cons

  • Alternatives

  • Methodology

Are there any Qantas Points credit cards with no annual fee?

Yes, there are credit cards with no annual fee that earn Qantas Points, but the choice is very limited.

Because of the lack of revenue from an annual fee, the number of Qantas Points earned per dollar spent is typically on the lower side.

Do Qantas Points have an expiration date?

Yes. Qantas Points expire 18 months after they were earned. However, your Qantas Points will not expire as long as there is qualifying activity at least once every 18 months, e.g. earning more Qantas Points or spending some Qantas Points.

Does Qantas issue its own credit card?

Yes. Qantas issue a small number of credit cards through their Qantas Money subsidiary with credit provided by a partner bank.

Can you earn Qantas Points by paying the ATO with a credit card?

Yes. You can do this with one of the very few credit cards directly linked with Qantas Frequent Flyer or with a credit card that has Qantas Frequent Flyer as a transfer partner.

There are more rewards cards that earn points with ATO spend than there are those directly linked with Qantas Frequent Flyer.

Is it possible to churn Qantas credit cards?

Yes. Although it is possible to churn Qantas Points credit cards, be aware that different banks have different policies on when a customer can apply again and get the sign-up bonus. If you time it incorrectly, you may be applied but not be eligible for the sign-up bonus.

Can you earn Status Credits with a Qantas credit card?

Yes. There are very few ways to earn Qantas Status Credits without spending time flying, but there are credit cards that earn Status Credits. However, they are rather elusive and it's a feature typically reserved for the most elite level cards.

Pros

Use points to reduce the cost of flying

Qantas Frequent Flyer credit cards are a low-cost method of subsidising both personal and business travel, as long as you avoid incurring interest and penalty fees.

You can get additional benefits on top of earning points

Qantas Frequent flyer credit cards often come with complimentary benefits aimed at travellers. Benefits could include travel insurance, airport lounge access, travel agency credit vouchers, concierge service, priority check-in and free or discounted flights.

Typical daily spending can earn enough points to justify the annual fee

If you pick a card that’s suitable for your income and expenditure level, you don’t need to change your spending pattern to earn enough points to more than cover the annual fee. Just putting all your everyday expenses through your card should cover the annual fee in Qantas Points value, if you always redeem your points for flights.

Earn a lot of Qantas Points relatively quickly

Many Qantas credit cards offer a large quantity of first purchase bonus points to new cardholders who can meet a reasonable spending target in the first few months after card approval.

Cons

Expect annual fees to be higher than average

Qantas Frequent Flyer credit cards often have a higher annual fee than cards with no rewards points or complimentary benefits. But there are still some Qantas Frequent Flyer cards with a low or even no annual fee.

Award flights are not entirely free

When booking an award flight, you must still pay the Qantas Carrier Charges and any government or airport taxes associated with the flight. For a long-haul flight, this can add as much as $700 to the cost of a return journey.

Redeeming award seats can be challenging

Award seats are sometimes scarce because demand exceeds supply on popular routes at peak times.

Not all points redemptions represent good value

If you exchange your Qantas Frequent Flyer points for merchandise, gift cards or movie tickets, for example, you’ll probably get a lower value return than you would by using a standard rewards points credit card.

Shop via the Qantas Shopping portal

Sign up for the Qantas Shopping portal and click through to whatever store you want to buy from. Each store has a different earn rate. If you're making a large purchase, this can be quite lucrative. It's possible to pay with your Qantas Points-earning credit card and earn even more.

Sign up with Qantas partners

Qantas have a range of partnerships with other businesses who offer large sign-up bonuses for registering with them and performing a certain action. The most lucrative bonuses tend to be with financial partners.

Methodology for our Qantas Points credit card comparison

We evaluated specific attributes and their metadata to compile our comparison table for Qantas Points-earning credit cards and card rankings.

  • Annual fee initial year: If there is annual fee in the first year, how much it costs. Lower is better.
  • Annual fee ongoing: If there is an ongoing annual fee, how much it costs. Lower is better.
  • Apple Pay enabled: Compatibility with Apple Pay. Considered beneficial if possible.
  • Balance transfer offer: If the card has an introductory balance transfer deal, we consider rates, fees, and offer duration. Lower rates for longer are considered better.
  • Card type: Which credit card network the card runs on (American Express, Mastercard, Visa, etc.). This affects where it is accepted.
  • Foreign exchange fee: If the card charges a fee to convert foreign currency transactions made while overseas or from a store or supplier based overseas. Lower is better.
  • Interest-free period: Longer is better.
  • Introductory purchase rate: If there is one, the introductory offer's interest rate for purchases and how long the introductory period lasts. Lower rates for a longer period is considered better.
  • Late payment fee: If a fee is levied for late payment. Lower is better.
  • Lounge access: If provided, what lounges are accessible, number of passes, limitations on who can get access, etc.
  • Maximum credit limit: If published, the highest possible credit limit offered to cardholders.
  • Minimum credit limit: If published, the lowest credit limit offered to cardholders.
  • Minimum income required: As per the issuer's eligibility criteria, the minimum acceptable income. Not always disclosed. Lower thresholds make the card available to more applicants.
  • Purchase rate ongoing: The standard interest rate applied to purchases. Lower is better.
  • Rewards program: Whether the card is linked directly with Qantas Frequent Flyer or if points are earned in a rewards program that has Qantas Frequent Flyer as a transfer partner. Direct earn is typically preferred for similicity's sake.
  • Samsung Pay enabled: Compatibility with Samsung Pay. Considered beneficial if possible.
  • Sign-up bonus: The size of the card's sign-up bonus and the ease of achieving it. Larger sign-up bonuses with lower spending criteria are considered better.
  • Status Credits: If the card earns Status Credits. Higher is better.
  • Target market: If the card is available for businesses or consumers.

Our rankings may not reflect what matters most to you. Be sure to compare key rates, fees, and features against your own financial priorities before deciding.