Qantas Frequent Flyer credit cards

Apply for a Qantas Frequent Flyer credit card and earn Qantas points as you spend towards flights and upgrades. Apply online - it's safe, secure and fast.

By   |   Verified by David Boyd   |   Updated 16th October 2020

Comparing Qantas Frequent Flyer credit cards

American Express Qantas Ultimate Credit Card

On American Express' website

American Express Qantas Ultimate Credit Card

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.25 points

Sign up bonus

55,000 points

Annual fee

$450.00 p.a. ongoing

Highlights

  • Receive 55,000 bonus Qantas Points when you apply online, get approved and spend $3,000 on your new card within the first 3 months. New Card Members only.
  • Earn 1.25 Qantas Points for every $1 spent on card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • $450 Qantas Travel Credit each year (conditions apply).
Bendigo Bank Qantas Platinum Credit Card

On Bendigo Bank's website

Bendigo Bank Qantas Platinum Credit Card

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

  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • 0% p.a. on balance transfers for 6 months. Purchase rate of 19.99% p.a. applies thereafter.
Bankwest Qantas Platinum Mastercard

On Bankwest's website

Bankwest Qantas Platinum Mastercard

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.75 points

Sign up bonus

30,000 points

Annual fee

$160.00 p.a. ongoing

Highlights

  • Earn up to 30,000 Qantas Bonus Points when you spend $3,000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time. New customers only, other fees, T&Cs apply.
  • Earn 0.75 points per $1 on your first $2,500 spent on eligible purchases per month, then 0.3 points per $1 thereafter.
  • Enjoy complimentary overseas travel insurance and no foreign transaction fees on online or overseas purchases.
American Express Qantas Business Rewards Card

On American Express' website

Apply by 13 January 2021

American Express Qantas Business Rewards Card

Rewards program

Qantas Business Rewards

Points per $1 spent

1.25 points

Sign up bonus

120,000 points

Annual fee

$450.00 p.a. ongoing

Highlights

  • Get 120,000 bonus Qantas Points + 75 bonus Status Credits when you apply by 13 January 2021, are approved and spend $3,000 within 2 months from account approval date. New American Express Card Members only.
  • Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services.
Qantas American Express Discovery Credit Card

On American Express' website

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

  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • Earn 1 additional Qantas Point per $1 spent on eligible Qantas products and services.
  • Pay no annual card fee.
American Express Qantas Premium Credit Card

On American Express' website

American Express Qantas Premium Credit Card

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

30,000 points

Annual fee

$249.00 p.a. ongoing

Highlights

  • Earn 30,000 bonus Qantas points and 50 Status Credit when you apply online, are approved and spend $3,000 in 3 months. New Card Members only.
  • Relax with 2 complimentary Qantas Club invitations every year (conditions apply).
  • Complimentary domestic and international travel insurance.
Bankwest Qantas World Mastercard

On Bankwest's website

Bankwest Qantas World Mastercard

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

N/A

Annual fee

$270.00 p.a. ongoing

Highlights

  • Uncapped points-earning potential.
  • Up to 12 months of extended warranty insurance and 3 months purchase security insurance (conditions apply).
  • Enjoy complimentary insurances along with this card including overseas travel insurance for you and family members travelling with you.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On Bank of Melbourne's website

Apply by 09 February 2021

Bank of Melbourne 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 p.a. ongoing

Highlights

  • Earn 70,000 bonus Qantas Points when you spend $1,500 within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 15 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • Earn 0.5 points per $1 spent on eligible purchases (uncapped).
Westpac Altitude Platinum Credit Card (Qantas)

On Westpac's website

Apply by 31 March 2021

Westpac Altitude Platinum Credit Card (Qantas)

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.5 points

Sign up bonus

60,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive 60,000 Qantas bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • Transfer your balance at 0% p.a. for 18 months (1 % balance transfer fee applies). Reverts to purchase rate of 20.49% p.a.
  • $99 p.a. annual fee for the first year then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annaul fee).

Overview

Qantas Frequent Flyer credit cards are a type of rewards points credit card where the points come in the form of Qantas Frequent Flyer points. Almost all major Australian credit card providers offer at least one Qantas Frequent Flyer credit card, and there are over 50 to choose from.

Eligible purchases made with a Qantas Frequent Flyer credit card earn Qantas Frequent Flyer Points which are credited directly to the cardholder’s Qantas Frequent Flyer Points account held with Qantas. Points earned from card purchases are pooled with other points in the account (earned from purchasing Qantas flights, for example, or from Woolworths supermarket shopping) and can be redeemed for award flights and seat upgrades, or for other reward types.

Qantas Points earning rates

Points earning rates are normally expressed in terms of number of points per dollar spent, e.g. 0.75 Qantas Points per dollar spent on eligible purchases.

The points earning rate varies from card to card, with the more expensive premium cards typically having a higher points earning rate. An individual card can have more than one earning rate, for example a higher earning rate on purchases from Qantas, and a lower earning rate on government purchases.

Points caps and thresholds

While some cards place no limit on the number of Qantas Points a cardholder can earn in any month or year, other cards have points caps or points thresholds.

A points cap is an absolute limit on the number of Qantas Points that can be earned in any month or year. Once the cap is reached, the points earning rate for the remainder of the period falls to 0 points per dollar spent. The cap may be expressed in terms of dollars spent (e.g. Qantas Points earned on only the first $5,000 of eligible purchases per month) or in terms of Qantas Points earned (e.g. a cap of 7,500 Qantas points per month).

A points threshold is a limit beyond which the earning rate falls for the remainder of the month or year. For example, a card may have a 1.0 Qantas Points per dollar earning rate, up to a threshold of $5,000 of spending per month, beyond which the earning rate drops to 0.5 points per dollar for the remainder of the month.

Points expiry

Qantas Points expire if there has been neither points earning activity (e.g. from credit cards, or from making flights where the fare was purchased with cash) nor points spending activity (e.g. booking an award flight with points or making other points redemptions) within the previous 18 months. So it’s important to keep your Qantas Points account active. Just a small Qantas Frequent Flyer credit card purchase, or a small points redemption (e.g. for a $25 retail gift card) will do the trick.

‘Eligible purchases’

Qantas Frequent Flyer Points credit cards stipulate that only ‘eligible purchases’ will earn points. In practice, this means that cash transactions and cash equivalent transactions do not earn points. So no points will be earned on cash advances, balance transfers, purchases of travellers cheques and foreign currency, card interest charges and fees, and transfers from a Qantas Frequent Flyer Points credit card account to another bank account.

As well as these types of cash transactions, many cards exclude government transactions (e.g. payments to the ATO, Australia Post, vehicle registration and licences, local government rates, fines, &c) from Qantas Points earning, or allow them to earn points only at a lower rate. Some cards also exclude gambling transactions and BPAY payments from points earning.

Bonus points

Many Qantas Frequent Flyer Points credit cards offer substantial bonus points as an incentive to new cardholders. There is usually a target spending amount attached to these ‘first purchase bonus points’. For example, a new cardholder may receive 60,000 bonus Qantas Points for spending $2,000 on eligible purchases in the first 90 days of holding the card. These large bonuses are obviously very useful to anyone collecting points to redeem for a long-haul international award flight.

Learn about Qantas Frequent Flyer credit cards

Our top tips for selecting and using a credit card to earn more Qantas points.

  • Pros & cons

  • Tips

  • FAQs

  • Guides

A relatively quick points boost

Many Qantas Frequent Flyer 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.

Award flights are not entirely free

When booking an award flight, you still have to 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.

Be aware of caps on the number of points you can earn

Some Qantas Frequent Flyer credit cards have points caps or points earning rate thresholds.

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.

If you don't spend enough, the annual fee will negate the card's benefits

It’s not worth paying a high annual fee for a Qantas Frequent Flyer credit card if you won’t spend enough to recoup more than the fee cost by earning points or by making purchases which activate complimentary benefits (e.g. meeting a trip spending target to activate travel insurance).

Interest rates on unpaid balances are typically higher

Frequent flyer credit cards usually have very high interest rates payable on balances not repaid in full on or before the payment due date.

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.

Redeeming award seats can be challenging

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

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.

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.

Qantas Frequent Flyer program membership as a complimentary benefit

The Qantas Frequent Flyer program has a joining fee ($99.50 at the time of writing). You need to be a program member in order to earn Qantas Points with your Qantas Frequent Flyer credit card. However, if you’re not already a member, many credit card providers offer to pay the joining fee on your behalf, or arrange to have it waived, when you successfully apply for a credit card linked to the Qantas Frequent Flyer program.

Award flights and seat upgrades are usually the best redemption options

The most cost-effective options for redeeming frequent flyer points are award flights and seat upgrades, according to expert frequent flyer points collectors. This results in lots of choice, since Qantas is affiliated with the global airline group OneWorld as well as having around 14 other partner airlines (including Jetstar and QantasLink), giving their frequent flyers access to award flights with a vast array of flight operators. Long-haul flights and Business or First Class seats usually deliver a higher value per Qantas Point than short-haul Economy flights.

But you can redeem your Qantas Points for other rewards if you wish. Visit QantasStore.com.au to browse the options, which include:

  • Consumer merchandise
  • Retail store gift cards
  • Cinema gift cards
  • Other entertainment experience gift cards
  • Travel, accommodation and car hire vouchers
  • Restaurant gift cards
  • Charity donations
  • WISH eGift cards as an automated reward – set and forget

Use a flexible approach when booking award flights

You’ll hear many complaints from people who say it’s almost impossible to redeem their Qantas points for award flights. But this is most likely because they are fixated on flying on the most popular routes at peak demand times, and haven’t planned far enough ahead. The Qantas Frequent Flyer program is a profitable business for the airline, and it needs to keep its frequent flyers happy. So there will always be some award seats available if you are prepared to fly on less popular routes at off-peak times or seasons.

Also note that Qantas long-haul award flights are released 353 days ahead of departure for Gold and Platinum status frequent flyers, and 297 days ahead for lower-status Bronze and Silver members. Seats will be snapped up quite quickly after they are released, so plan your travel well ahead and diarise the release date for your desired award flight to maximise your chances of securing one.

But it’s also true that some award seats are released within a few days, or even 24 hours, of a flight’s departure, possibly because of unexpected low demand, or cash booking cancellations. So if you’re prepared to take a bit of a risk, or need to travel at short notice, it’s always worth checking whether additional award seats have suddenly become available.

Here’s a summary of your best strategy:

  • Book your flight as soon as award seats are released for your Qantas Frequent Flyer status level.
  • Be flexible with dates and times, avoiding school holidays and business travel peak hours.
  • Explore alternative routes. If you live in Sydney or Melbourne, consider flying internationally from Brisbane. If you want to go to Los Angeles, try looking for an award flight to San Francisco, then continue your journey on a US domestic flight. Going to London? Choose a quieter European destination and book an onward flight to the UK.
  • Check seat availability on partner airlines, especially American Airlines.
  • Check for ‘last-minute’ award seat releases.

Choose a Qantas card that will earn its keep

The card with the highest Qantas Points earning rate may not be the best one for you, because the amount you spend each year may not be enough to justify the annual fee.

First of all you’ll need to work out how many points you’re likely to earn in a year from your annual credit card spending, by looking at your spending on your current credit card in the previous year. Multiply the dollars you spent by the Qantas Points earning rate per dollar on the card you are considering. If you place a conservative value of 1.0 cents on each Qantas Point, you’ll be able to decide if it’s worth paying the card’s annual fee.

E.g. Annual card spending $18,000 X 0.75 Qantas points per dollar = 13,500 Qantas Points.

13,500 Qantas Points = $135. Annual card fee is $99. Points value exceeds annual fee cost, so it’s worth having the card (which may also have other valuable complimentary benefits).

You may be able to extract a much greater value than 1.0 cents from each Qantas Point, depending on what type of award seat you are able to secure, but if you use your points for redemptions other than flights you’re likely to get a value of only 0.5 cents per point, or even less.

Look at the card’s other features, not just the points earning rate

There’s another reason you won’t necessarily want to choose the card with the highest points earning rate, or one that merely earns its keep in terms of points value. It’s certainly an important feature, but you’ll also want to compare the value to you of any attached complimentary benefits. Qantas Frequent Flyer credit cards typically have free benefits aimed at travellers, such as travel insurance, airport lounge access, travel agency credit vouchers and free flights. No two cards offer identical benefits, so be sure to compare the details and work out which features have most value for you.

What's the idea behind a Qantas credit card?

If you travel often, taking flights for business or leisure, you could benefit by choosing a credit card that links to the Qantas Frequent Flyer program. You can earn points on every dollar you spend on your credit card and earn extra when you book flights or shop with Qantas program partners. There are over 400 companies affiliated with the program, meaning you have a wide range of options for earning points, plus you earn every time you use your credit card so can generate rewards with day-to-day purchases and payments.

As a member of Qantas Frequent Flyer you can use your online account to keep tabs on your points and access Qantas online store, which offers over 1,000 choices for reward redemption. You can redeem points for flights, upgrade your seat, book accommodation and travel accessories and car rentals. You can also choose from a huge variety of non-travel related products and services such as technology, home and garden wares, fashion and beauty products, sports and outdoor equipment, food and wine, entertainment, and gift and shopping vouchers to spend with Qantas’ partners. The Qantas online store also features a rolling program of offers, prizes and special offers for members.

What is the earn rate?

Earn rate is defined as the number of points earned per dollar spent. The rate you earn points depends on the card you choose, and the program is tiered so the more frequently you fly the greater the benefits you can enjoy. When you join the program you have Bronze status and as you take more flights you are promoted through Silver, Gold and Platinum membership. Higher status provides access to extra privileges including bonus points earning, priority check-in and seating, extra baggage allowance on Qantas flights and admission to The Qantas Club.

As with any credit card, it is important to consider all the features before selecting one linked with the Qantas Frequent Flyer program. It is important that way you earn points should match your spending habits, and the rewards available should be the flights, products and services you really want to use. To get the most out of this type of credit card you need to be flying and spending often, regularly clearing your balance in full and not paying too much on interest and fees. If you are this type of cardholder, and can find a card that suits your finances, a Qantas credit card could be a very beneficial and rewarding choice.

Why get a credit card linked to Qantas Frequent Flyer?

If you often take flights it makes sense to use a frequent flyer credit card, and if you fly with Qantas or their program partners this type of card is the best choice. You can earn and redeem points on many of your travel expenses and on everyday shopping and payments. If you are a frequent traveller and use your credit card a lot, particularly overseas, you can harness this spending for points and rewards.

How do I maximise my earning potential?

Some of the entry level frequent flyer cards put a cap on how many points you can earn per month, so make sure you review that to see if it fits your typical spending habits. Most cards let you earn 1 point per dollar you spend, but you'll be doing well to get that earn rate from a Visa or MasterCard. AmEx cards typically let you earn points at a higher rate. Also, make sure your credit limit is sufficiently big, i.e. if you spend $3,000 per month on your household bills or through your business but you only get a credit limit of $2,000 then there’s $1,000 worth of spending and points that you will miss out on earning.

Your membership status also changes some aspects of your points earning potential. When you first become a member you have Bronze status, then, as you fly more often, can progress through Silver, Gold and Platinum. With higher status you have the chance of earning bonus points when you fly.

How long does it take to get bonus points?

If you apply for a Qantas frequent flyer credit card offering promotional bonus points for signing up, these bonus QFF points usually take a little while to get added to your points total, i.e. after you’ve gone through the steps of applying for the credit card, being approved, receiving it and paying your first monthly statement. You can find a range of credit cards with bonus points offers here.

Does it cost anything to join?

Yes, separate to any credit card fees, Qantas do charge a fee to enrol into the Qantas Frequent Flyer program. From time-to-time there are credit cards that offer you free entry into the program if you’re a newcomer, so look out for those cards. Once you pay your fee to become a member and get your membership card, you will able to earn points using your Qantas-linked frequent flyer credit card.

How do Qantas know how many points I’ve earned on my credit card?

Almost all credit cards transfer points earned over to your Qantas account automatically on a monthly basis so there’s no extra admin to care of.

How can I find out how many points I have?

Also, on your Qantas credit card statement your bank shows you how many points you’ve earned from that month’s spend. Qantas members can login online at any time to check how many points they have.

Are Qantas points a legitimate way to save money?

Yes, Qantas allow you to 'spend’ your points and save money to get a cheaper flight. Obviously if you’re travelling for business or for personal reasons, saving money on your travel expenses helps. You can also pay for Qantas flights partly with your money and your points - it's called 'Points and Pay’.

What if I don’t want to travel?

You can spend your points earned with your Qantas credit card on a multitude of other things. Qantas have a very widely stocked Awards Store. There’s everything from food processors to aftershave, mobile phones and home cinema equipment to fashion and beauty products, all the goods you’d expect to find in a big retail department store. This is, however, typically not the best way to redeem your points as flights or upgrades represent better value on a cents per point basis.

What can I redeem my points for?

The Qantas Frequent Flyer program has a massive selection of ways to use your points. You can book flights and upgrades, choose many other travel services such as hotels and rentals, retail products and gift vouchers.

Which airlines are affiliated with the program?

With the Qantas Frequent Flyer Program you can fly with a huge choice of the world’s finest airlines:

  • Qantas International
  • Qantas Domestic
  • Jetstar, Aer Lingus
  • Aeropelican
  • Air Niugini
  • Airnorth
  • Air Pacific
  • Air Vanuatu
  • Alaska Airlines
  • Alitalia
  • American Airlines
  • Brindabella Airlines
  • British Airways
  • Cathay Pacific Airways
  • China Eastern
  • Dragon Air
  • El Al
  • Finnair
  • Iberia
  • Japan Airlines
  • JALways
  • JAL Express
  • Japan Transocean Air
  • Jet Airways
  • LAN
  • LAN Express
  • LAN Peru
  • LAN Ecuador
  • LAN Argentina
  • Malev Hungarian Airlines
  • Mexicana
  • Royal Jordanian
  • Siberia Airlines
  • South African Airways.

Where can I fly to?

You can choose to fly to more than 1,000 domestic and international destinations.

How many points do I need for a flight?

You can redeem your points for a one-way, return or multi-destination flight with Qantas or an airline partner; the number of points required varies depending on the flight. The Qantas Frequent Flyer website features a calculator to work out what is required for individual flights. As a guideline:

  • A one-way Economy class flight from Sydney to Melbourne requires 8,000 points, or 12,500 including taxes.
  • A one-way Business class flight from Brisbane to Perth requires 36,000 points, or 40500 including taxes.
  • A one-way Economy class flight from Brisbane to Singapore to London requires 64,000 points.
  • A one-way First class flight from Melbourne to Hong Kong requires 90,000 points.
  • Return Premium Economy Class flights from Sydney to Los Angeles require 72,000 points.

Some services fees may also be applied.

Do my points expire?

Your Qantas Frequent Flyer points expire if you do not use your account for a period of 18 months. As long as you earn or redeem points at least once every 18 months, your account will remain active and your points valid. You can check your account activity in your online Activity Statement. 60 days before expiry, your account will show that you have points due to expire.