Qantas and Frequent Flyer Credit Cards

Pauline Hatch     

Frequent Flyer credit cards earn points when you spend on your card. You can redeem your points for upgrades, free flights, experiences, shopping & more.

3 things to know about Qantas Frequent Flyer credit cards:
  • Check the earn rate (how many points you earn for each dollar you spend) and if there is a points cap
  • If you aren’t committed to Qantas, compare cards from other rewards programs like Virgin
  • Remember to check the annual fee and interest rates that apply (no annual fee offers are a great option!)
Compare Qantas Frequent Flyer Credit Cards below. You can use the handy visualisation tool to see how strong the offer is for each card.
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The Monthly Scoop: June Frequent Flyer Update

Updated 4 June 2024 by Pauline Hatch, chief finance expert.
You can earn points across a range of programs that can often be converted to airline points, giving you more flexibility in how you spend them.

But, you'll need to weigh up the different programs and work out where you'll spend your points the most. You can use our guide below to help you compare frequent flyer credit cards.

Editor’s Pick-of-the-Bunch credit cards for June

⭐ Frequent flyer tip: Don't forget to earn extra points with your Flybuys or Everyday Rewards card. You can convert them to frequent flyer points, plus earn more with bonuses like the current Flybuys bonus points if you take out eligible HCF health insurance.

T&Cs apply for all card offers so check our review and the PDS for details.

Guide to Frequent Flyer Credit Cards

Get card, earn points, redeem rewards. While the premise of frequent flyer credit cards is indeed very simple, there is more to it than that. Not only do you need to choose the right card and the right frequent flyer program, you also need to know how to maximise your points earning, to then get the most value from the rewards you choose.

Fortunately, is here to help. Day-in, day-out, we compare credit cards, which means not only do we know how to find the best credit card deals, we also know a thing or two about how to make the most of each type of card. In this guide, we’ll cover all the need-to-know info regarding frequent flyer credit cards, from how to find the right one for you, to how to use it to your advantage. Got questions? Let us answer them.

Is a frequent flyer card the right choice for you?

This is an incredibly important question to ask yourself. Frequent flyer credit cards are not for everyone, so you need to weigh up whether this type of card will work for you. Let’s start with the basics.

How much do you earn?

When you apply for a credit card, you'll typically have to provide details of your income. Depending on the card you choose, you'll have to meet certain minimum income requirements in order to be approved. But, that’s not the only reason to consider your income. How much you earn each year will also affect how much you are able to spend on your card.

How much will you spend?

Frequent flyer cards reward spending. If your card is going to offer real value, you'll need to spend over a certain amount per year. A quick way to work out whether a card is right for you is to do the following:

  • Calculate your estimated annual spend.
  • Work out what this equates to in points value.
  • Check whether this amount is more or less than the amount you pay in annual fees.

If you're paying out more in annual fees than you get back in rewards value, it might be time to look at other card options. Alternatively, you could look into ways of channelling more spending through your card, but you would also need to make sure you clear your balance each month to avoid interest accruing.

Will you make payments on time?

Paying interest on a frequent flyer credit card is a big no-no. If you want to see real value on your rewards, you need to avoid paying out interest on your balance by always paying your credit card bill in full and on time.

If you are unable to clear your balance each month, it would be wise to look at other types of card options. A low rate card could help to keep your interest costs low as you work on paying down your balance. Alternatively, if you have credit card debt you want to pay down, a balance transfer card could work well for you.

Do you have a balance transfer?

While many frequent flyer credit cards offer 0% balance transfer deals, this type of offer doesn’t always work well with this type of card. Why?

Frequent flyer cards reward spending. When you have a balance transfer, you want to focus on paying down your transferred balance within the intro period. If you are adding new purchases to your card in order to earn rewards, you will then have to pay down your new purchases plus your transferred balance.

There are no interest free days on new spending. If you spend to earn rewards, understand that with a balance transfer on your card, all new transactions will accrue interest from the day they are made. So, not only do you have to pay off that new spending and your transferred balance, you also have to pay off the interest stacking up on that new spending.

Payments go to the balance attracting the highest interest first. Typically, when you make a payment on your credit card, it will go towards paying down the balance with the highest interest rate. If you are spending on your card, your payment will go to that first, even if you think you are paying down your transferred balance. Your payments will need to be large enough to cover all new spending (plus the interest it has accrued), on top of what is needed to clear your transferred balance within the introductory period.

While making use of a balance transfer on a frequent flyer card is certainly possible, you need to understand the small print – and have the funds to clear your transferred balance plus any new spending – if you want to make it work for you.

An alternative option could be to pay down your balance on a separate balance transfer card, and use your frequent flyer card for new spending to earn points.

How much travel do you do?

One last question to ask yourself involves your travel habits. Some frequent flyer cards are designed to reward frequent travellers, offering more points to cardholders who use their card to book travel. While this is not a deal-breaker in terms of whether or not a frequent flyer card is right for you, it should help you narrow your card choices overall.

Annual fee vs. points earned?

This topic has been in the media a fair bit already, but it’s seriously worth weighing up the cost of the card’s annual fee and the number of points you will likely earn. Many frequent flyer cards come with high annual fees, and this does include some consideration for the free insurances you get with the card as well as compensation for the rewards program you will be participating in. So, the question to ask is, will you use the card’s extra features and earn enough points to justify paying $100 or more in an annual fee? This is really similar to asking whether you will spend enough on the card to earn points that actually get you somewhere. It can be done, and many people do fly often, get free upgrades and baggage allowance and much more thanks to their carefully earned frequent flyer points, but it takes some forethought and planning.

What do the banks get out of it?

The answer to this question, in one word, is customers. When you sign up for a credit card with any bank, they know they have your business. They have your details, and can market other products they offer to you (insurance, savings accounts, loans, home loans and wealth management advice to name a few). Money the banks spend on administering rewards programs, and in the case of frequent flyer cards purchasing the points from the relevant airlines, is easily recouped by the annual fees and admin charges (such as membership to the frequent flyer program) as well as interest charges that are passed on to all credit card customers.

What do the airlines get out of it?

American Airlines figured out way back in 1981 that it would be more cost effective and beneficial to reward customer loyalty with ‘a mile earned for a mile flown’ than to continually focus on attracting brand new customers, so the first frequent flyer program came about that way. Car rental companies, hotels and retail chains all joined the party and the banks entered into similar partnerships with various airline rewards programs. These partnerships prove mutually beneficial for the airlines and banks or other partners, and so they continue and in fact more partnerships continue to form all the time. The airlines have an interest in retaining customers while partners have an interest in getting loyal customers as well.

Free flyer program memberships

The first obvious requirement when it comes to earning frequent flyer points is that you have to be a member of a relevant frequent flyer program, i.e Qantas Frequent Flyer, Virgin Velocity Flyer or Emirates Skywards, for example. This can save you $99.50 if you need to become a Qantas Frequent Flyer but you’ll probably find you’ll be paying a high platinum card annual fee for your credit card.

Qantas Frequent Flyer Credit Card Rewards

The Qantas Frequent Flyer rewards program comes with a wide range of credit card offers to increase the amount of points that you earn. These cards include:

  • Citi Rewards and Premier credit cards
  • ANZ’s Frequent Flyer cards
  • NAB’s Qantas Rewards credit cards; and
  • The Qantas American Express Premium and Ultimate credit cards
  • Bankwest credit cards

While the offers between these cards do vary, a good place to start is to work out how many Frequent Flyer points you need to actually book a flight.

A one-way flight from Sydney to Melbourne in economy, for example, will cost approximately 8,000 Frequent Flyer points without tax and 12,500 including tax.

Using a standard measure of one Frequent Flyer point per $1 spent, that would mean charging at least $8000 on the card for a standard capital city-to-city flight.

Finding a program that offers uncapped earnings, like either ANZ Frequent Flyer cards is one way to optimise benefits from the points system. Some cards do offer more than one point per dollar, however, so checking individual credit cards in detail can make a difference.

What costs are involved in joining frequent flyer programs?

Velocity membership costs $20 if you join via the Virgin call centre, but via the website it’s free – so online is the way to go if you need to join up.
Qantas Frequent Flyer membership will set you back a one-off fee of $99.50, but if you’re already an Everyday Rewards member (through Woolworths) and join that way using the ‘link my membership’ function of the website membership is then free.
Emirates Skywards membership is free and can be applied for via the website.
Singapore Airlines Kris Flyer membership is free and can be applied for via the website.

How to redeem points?

Redeeming points for flights:
Redeeming points for flights is usually done through the airline’s online booking system.

Redeeming points for merchandise:
Redeeming points for merchandise or other rewards is often just a simple matter of logging on to the frequent flyer program website, using your membership details and choosing what you want to redeem your points for. You can generally browse the online gift shop for items and points value.

How to use a Frequent Flyer Credit Card

Getting more out of a frequent flyer credit card is about understanding what to do with the card and what not to do with the card. This means knowing when your statement period ends, and when you have to have your full balance paid to avoid interest charges. On top of that, there are some ‘dos’ and ‘don’ts’ – a lot more ‘dos’ since one of the biggest mistakes you can make is keeping a frequent flyer credit card that you don’t use often enough.


  • Pay for all eligible purchases using your frequent flyer card;
    This really comes down to carrying the card with you, thinking about using it for online purchases etc. and making sure that you do.
  • Choose a card that lets you earn bonus points when spending,
    As an example; your regular grocery shop may be one of the biggest expenses you have, so it’s made that much less painful if you can earn frequent flyer or rewards points when you do it. Apply this principle to all big spends and maximise points earning.
  • Consider the reward program partner retailers: Do you shop there? Would you start shopping there for points?
    If you don’t use the card in those places, you may benefit more from a different type of rewards card or you may want to change where you do some of your shopping. Shopping effectively with bonus partners is pretty much the number one ‘top tip’ or secret to success with frequent flyer members. Find the deals, understand the offers and use them as much as possible.
  • Schedule your monthly repayments before the payment due date – or set up Direct Debit/Autopay
    This will help you avoid late fees, make sure you don’t miss a payment and ensure your balance is cleared each month. If you’re spending lots on the card each month this is obviously particularly important to avoid interest charges.
  • Sign up for any relevant email newsletter so you get offers from bonus partners
    Most reward programs will have a newsletter which will keep you aware of useful offers to earn extra points
  • Find out which bills you can pay on the card to earn frequent flyer points.
    Check the terms and conditions of the card for this. Most bill payments are considered purchases when the biller accepts credit card payments, rather than cash advances (which won’t attract points). The BPay website also lets you know whether a biller accepts credit cards. Recently some banks have stopped allowing points to accrue for bill payments and out of the ‘Big 4’ the CBA and Westpac do not allow this, so check with your bank.
  • Consider using the card for expenses you can claim back from work
    Meals, travel costs etc. Just make sure you will be reimbursed within a reasonable time to cover your credit card repayments.
  • Start your frequent flyer research by checking the earn rate for different airline programs and the different cards they offer.


  • Choose a card with an annual fee that costs more than the value you will earn back in points;
    You need to make sure you’re getting something out of the card and not just paying the bank for the privilege of keeping a piece of plastic in your wallet.
  • Miss an opportunity to shop with a bonus partner;
    This really goes without saying. If you’re not spending on the card, and in the right places, you’re missing opportunities to earn points that will see you fly away sooner.
  • Carry any balance on the card from one month to the next;
    Interest payments will quickly outweigh any benefit you would gain from points earned. If you carry a balance on your credit card, consider swapping to a low rate credit card until you have it under control, and if necessary do a balance transfer and don’t use the card for spending until you have paid off the entire balance. Some frequent flyer cards have a balance transfer rate, but longer offers or better rates may be with another type of card.

Avoid unnecessary fees and charges

There are some fees and charges you can easily avoid with frequent flyer credit cards, so watch out for these and take the necessary steps to avoid them:

Currency conversion fees (usually a $4-$5 fee plus 2-3% of the transaction value):
You can often earn more points for purchases overseas than here at home, but if you’re not careful the benefits can quickly be eaten up with currency conversion and foreign transaction fees. If you’ll be spending a lot while you’re away, consider an option with no currency conversion fees or check the fine print to see whether these are waived with your frequent flyer card (often they can be, especially for higher tier platinum cards).

Late Payment fees (Often around $20, but can be higher):
Make sure you are aware of your payment due date from your monthly statement and schedule a payment to arrive on or before that date. This may mean allowing an extra 2-3 days for a BPay payment or payment to another bank account because these can take at least a couple of business days to be processed.

There have been cases where one late payment can cost as much as $100 in fees and interest on the payment amount, so it’s worth paying attention here.

If your payment is due on the 5th of the month, any transfer should be done before the 2nd, for example to ensure it is in the right account on or before the payment due date.

Over limit fees (can be as low as $9-$10 or $25 or more):
You shouldn’t be in danger of going over your credit limit if you pay your balance off each month, but if you did opt in and consent to over limit fees rather than have the bank decline any transaction that would take you over your credit limit this is a potential fee. Consider whether you should opt out again and let the transaction be declined anyway.

Statement request fees (can be $5 or more):
This is a fee you’d pay if you need to request a paper statement for some reason. It can easily be avoided by using online banking to view your transaction history and statements, and printing one off if necessary.

Other considerations;
Aside from fees and charges, and maximising points you should think about and research these common issues:

Which card to use: Amex vs. Mastercard or Visa?
American Express cards often offer a higher points-earn-rate than Visa or Mastercard, but incur higher transaction charges and are not accepted as widely.

Some card accounts issue two types of card with the account giving you both an American Express (AMEX) card and either a Mastercard or Visa card.

The American Express card will usually have a higher earn rate for points, but may not be accepted everywhere, so it can be used where accepted and should help your points balance rise faster. It will likely incur higher fees and charges however, which points are not earned on.

For everyday purchases where AMEX is not an option, the Visa or Mastercard will still allow you to earn points but usually at a lower earn rate, (usually between 0.5 and 1 point per $1 spent). If you’re shopping with a bonus partner you should still receive additional points when using Visa or Mastercard.

Many flyer programs will not let you have both options, and there is a range of American Express cards not linked to a bank, which will still let you earn points to choose from. You can view the options on the table in the link above, or our American Express page.

Terms and conditions
It’s important to understand the relevant terms and conditions around any frequent flyer card you’re considering. There may be rules or exceptions around earning and redeeming points you need to be aware of.

  • Some purchase offers may apply to specific items only – i.e. more points earned when paying at a high-end restaurant (common with American Express premium cards)
  • Some bills you want to pay may not be eligible to earn points
  • Airlines often have their own rules about airfares and seats that are eligible to be booked with frequent flyer points. We’ve discussed this in more detail below, but rules and conditions are set by the airlines and often change. Keep up to date with current rewards conditions and policies separately to what you read here.

Best use of your frequent flyer points

Many believe that simply booking a flight is the best use of their frequent flyer points, but if you do a little research, you might find that paying for a cheap airfare and using points for an upgrade or on some types of merchandise or perks might be wiser when you add up the numbers. If you’ve found an airfare that’s already 50% off consider the damage to your overall points tally compared to what you will get if you save more points and use them for a longer international flight.

Often it works out better to save your points for longer, or use them to upgrade rather than purchase the ticket outright. Checking out frequent flyer forums and reading articles can help you understand how to make the best use of your points.

Other rewards, gift vouchers, merchandise

Many frequent flyer programs offer rewards that have nothing to do with flights, such as gift vouchers, bottles of wine, entertainment packages or other gifts. Consider the points currency of any reward you’re looking at redeeming and work out whether the number of points you pay for the item, versus the retail cost, is in fact value for money. In a lot of cases it makes more sense to buy the item and save your points for a flight or upgrade.

Merchandise rewards are also covered in more detail below.

Other features

Frequent flyer credit cards can also come with a host of other perks, such as

  • Purchase security
  • Overseas travel and medical insurance
  • Car rental insurance
  • Flight inconvenience insurance
  • Anti-fraud protection
  • Discounted or waived international transaction fees

These will be laid out in the terms and conditions and discussed on the features page for that card, so consider what’s on offer and what you might end up using.

Frequent flyer cards you can use overseas

Some frequent flyer credit cards will offer additional points for purchases made overseas, for example the HSBC and Citi frequent flyer cards, which offer 2 points per $1 spent overseas. If you want to use the card while you’re away, you should check out the points earn rate as well as any currency conversion fee. This will help you work out whether the card is worth the annual fee and whether you’ll earn enough points to actually take flights.

Some platinum level cards may offer a reduced conversion fee or waive the fee altogether, so check the details on the actual card you’re considering.

Choosing a Frequent Flyer Program

When deciding between different frequent flyer programs, ask yourself some simple questions;

Which airlines can I fly with?

How many options are there? Are they airlines you are likely to use in the near future? Remember these couple of pointers:

  • Qantas and Emirates are now partner airlines so flights can now be booked with points from either rewards program. Qantas also run Jetstar Airlines and points can be redeemed with them.
  • With Qantas Frequent Flyer points you can fly on 36 different airlines, as part of the One World Alliance, and with Jetstar flights beginning with JQ. Airlines include; British Airways, American Airlines, Cathay Pacific, Japan Airlines, Malaysian and more
  • Jetstar Awards can also be used on Jetstar Asia flights and some other Jetstar airlines
  • Virgin Airlines partners include Etihad, Virgin Atlantic, Singapore Airlines, Air New Zealand, Delta and Hawaiian Airlines.

Do your homework to find out which program will allow you to earn enough points with airlines you want to fly with. A great place to start is the

Will my flights be mainly domestic or international?

For domestic fliers a program offering discounts on additional seats, such as Virgin, might appeal, or for those who fly Jetstar often Jetstar Awards might work out well. Jetstar is also a popular airline for travelling to New Zealand, Asia or the Pacific Islands. Qantas points will give you the flexibility of Qantas or Jetstar flights, and Virgin also does flights to places in the Pacific and Hong Kong in Asia.

What about airline alliances?

International fliers will know about the One World, Star Alliance and Sky Team alliances too. Members who fly to other countries frequently will really benefit from the option to use points on international airlines and some of the other perks that can come with membership – such as hotel and car rental discounts. These alliances mainly work for frequent business travellers, so for example if you have to fly to Los Angeles with Qantas and then on to New York with American Airlines, all your flights will earn you miles – with no need to join any separate frequent flyer program. If you’re interested in a Round The World (RTW) fare, an alliance may be the way to go. Multi-flight itineraries can be organised on a RTW fare without inconvenient stopovers in many cases due to airline alliances.

Do I need to join an alliance separately?

No, the airlines join alliances independently, which means they can also decide to leave an alliance if it is not working out for them. Continental airlines in the US recently did this, and the process took 18 months, so it’s not a decision taken lightly but it’s important to be aware that it could happen. Your points earned are stored with the airline individually, so if the airline decides to leave an alliance your points may be transferred or forfeited.

If you are heading off on a year backpacking around the world, you don’t join an alliance per se – you just need to pick a suitable frequent flyer program that has a good alliance membership to get you to your destinations using and earning points. Research current members of the major alliances and talk to a travel agent or read the frequent flyer forums to find out what might be a good fit for you.

Are there any appealing merchandise rewards? Are they available elsewhere?

It’s important to think about the value of any merchandise rewards you’re considering. These generally won’t have as much value for your points when you compare the Recommended Retail Price to the amount of points you need to spend to claim, called the points currency.

Some of the best rewards credit cards are geared towards merchandise and gifts, so the best deals on those will mostly be with one of them.

What are Velocity credit cards?

Velocity credit cards are credit cards offering cardholders the chance to become Velocity Flyer club members and earn points when they use their credit card. Velocity is the popular frequent flyer program run by Virgin Airlines and is free to join. There are Visa, Mastercard and American Express card options for Velocity rewards, not to mention the Virgin Money range.

Which credit cards have partnerships with Emirates Airlines?

The Emirates Citibank Platinum Credit Card allows you to earn Skywards Miles.

Which credit cards have partnerships with Qantas?

There are credit cards from American Express, ANZ, Citi, BankSA, Bank of Melbourne, Bankwest, NAB, HSBC, St. George, Westpac and Diners Club which allow you to earn Qantas Frequent Flyer points.

How long will it take for my Frequent Flyer points to be credited?

The official answer to this (from the Qantas Frequent Flyer program) is that credit card partners usually transfer their points across to the member’s account at the same time each month. So long as you have had points transferred previously, you can check your previous statement to find out roughly when each month points should be credited.

Qantas also advises that if you have just received your first statement, the first points transfer mostly occurs after you have made your first payment.

If you are waiting for points to be transferred across, you should double check that all your membership details are correct, and that the Frequent Flyer account and your credit card are both in exactly the same name.

Some credit card providers may have certain terms and conditions allowing them to withhold points for some reason. You should check your card’s terms and conditions to see whether one of these reasons could apply and contact the bank to discuss it further.

How long should I wait to receive my Qantas Frequent Flyer member card?

The usual waiting time for a Frequent Flyer card is 10-14 business days (as per the QFF website). If you joined at the same time as you applied for a credit card you should receive both cards within a few days of each other.

If you have been waiting longer than 14 business days for your membership card, you should contact the Frequent Flyer service centre.

If you applied for membership from outside Australia, you will not receive a card, just a membership number.

Are there any other airlines besides Qantas and Virgin that have frequent flyer programs?

Yes, other airlines will often have their own frequent flyer program. Emirates frequent flyer card is in partnership with Citi and many of the other airlines are linked to other banks through their own rewards programs. For example some American Express credit cards allow points to be redeemed with a number of different airlines worldwide as well as Qantas and Virgin.

You can check which airlines non Qantas or Velocity frequent flyer credit cards allow cardholders to earn points with by reading the card’s own terms and conditions.

Do I have to make a purchase to get the free travel insurance?

You usually do need to purchase some portion of your travel ticket and/or accommodation on your credit card to be covered by the travel insurance. You can find out exactly how much, and what you need to purchase by checking your card’s terms and conditions. The insurance information is often a separate link within the main terms and conditions.

Are frequent flyer credit cards worth it?

Depending on how you use your credit card and if you pay off your balance every month, a frequent flyer credit card could be a great way to boost your points balance. If you're a regular traveller you can benefit from lounge passes and even free flights.

What is the Qantas Points Prompter?

You can add Qantas Points Prompter as an extension on your Safari, Firefox or Google Chrome browser. When you're shopping online, you'll receive a prompt if Qantas Points are available on an item.

What are Qantas credit cards?

Qantas credit cards are those offered in conjunction with a bank or financial institution operating under the terms and conditions agreed between Qantas and the card issuer. These allow Qantas Frequent Flyer members to earn points for using their credit card, whether it is American Express, Mastercard or Visa, and transfer the points directly from the bank to your Qantas membership.

Credit cards which are branded as Qantas – for example the American Express Qantas Discovery card and the HSBC Platinum Qantas credit card do not have other airline rewards programs available except that of Qantas. The Qantas program may offer access to other airlines that they have partnerships with however, (i.e. Jetstar). You should read the small print on this carefully if you have any doubt.

Pauline Hatch

Pauline Hatch is a personal finance expert at with 8 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.

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131 questions (showing the latest 10 Q&As)



20 December 2023
Hi, I have Dec Westpac M/C bill and note I have been charged the annual fee of $295.00 PLUS a QANTAS REWARDS fee of $75.00. I am at a loss to know what this charge of $75 is for as I assumed, as in the past, the annual card fee should be the only card fee I pay. Is it like a club membership fee and when was this instigated. Thanks in advance
    Pauline -


    1 January 2024
    Hi Angela, you’re on Australia’s leading credit card comparison site, I checked this for you and found that the change and the $75 Qantas Rewards fee was introduced by Westpac around mid June 2023 to maintain the card's features and benefits. Westpac also posted a notice regarding this change on their site. This is mostly due to the changes made a few years ago by the RBA around payment processing fees and the interchange value of points. For more details about this, I recommend reaching out directly to Westpac at 1300 651 089.


11 October 2023
    Pauline -


    13 October 2023
    Hi J B, usually you’ll see your points on your monthly statement. Or you can login to your frequent flyer account online or give your card issuer a call to check your points balance.


4 September 2023
What is the best card which has unlimited lounge access on airports
    Pauline -


    5 September 2023
    Hi Priyanka, there aren’t any credit cards that have unlimited lounge access. Most come with 2 passes per year, possibly 4. If you’re after unlimited invitations, you can look at becoming a member with Priority Pass or LoungeKey. All the best Priyanka!


7 August 2023
I want to recover my Frequent Flyer number and I cannot find the card. I have changed details also. I wanted to use my number for credits on an upcoming trip/
    Pauline -


    8 August 2023
    Hi Noleen, I suggest calling your card issuer right away to get your Frequent Flyer information. You’ll probably have to go through your security questions and KYW but this means you’ll be able to redeem your points. Good luck with it!


11 June 2023
We are over 70 and intend doing a lot of travelling. Will it be worth our while
    Pauline -


    13 June 2023
    Hi Ethel! Cards that earn points for traveling can be very helpful because they often have free travel insurance and other little bonuses that can save money on flights, hotels and car rental excess. However, it's worth being aware that seniors can sometimes have more trouble being approved for credit cards because of the change in income status to pension or self funded retiree. If you scroll down on the Frequent Flyer credit cards guide you'll find a lot of information on how to work out if a rewards card is worth it and which one could suit you. I hope that helps Ethel! Enjoy your travels :)
Robert Slade

Robert Slade

13 February 2023
can i use this credt card
    Pauline -


    15 February 2023
    Hi Robert, I suggest contacting your card issuer if you already have the card to verify that it has been activated and is ready for use. On the other hand, if you're looking to apply for a card, you need to ensure that you meet all the necessary requirements and have reviewed the card's terms, conditions, and its TMD before proceeding with your application by clicking the green "Go To Offer" button on one of the cards above that suits you best.
Yelena Lyulchak

Yelena Lyulchak

11 February 2023
How long the Frequent Flier Card valid for?
    Pauline -


    13 February 2023
    Hi Yelena, that’s a great question! The validity of a frequent flyer card depends on the terms and conditions set by the issuing airline or loyalty program. Some programs may have a specific expiration date for the points or miles earned, while others may have a policy that allows the points to remain valid as long as the account is active. For instance, a Qantas Frequent Flyer membership stays active as long as you earn or redeem points at least once every 18 months. To check the validity of your frequent flyer card, I recommend checking the terms and conditions of the program or contacting the customer service of the airline or loyalty program.
Brian O'Connell

Brian O'Connell

10 December 2022
You recently advised that if I do not accrue more points within the next 18 months I will forego the points I have accumulated to date. Can you advise when I will be credited points for the 6 airfares I paid for 22/1/2020 in the names of O'Connell/Hunter ? Brian O'Connell
    Pauline -


    12 December 2022
    Hi Brian, you’ve actually landed on I suggest getting in touch with the airline or calling your card issuer directly with regard to your account.
siawany assaly

siawany assaly

4 December 2022
hi..dear , i would like to pick up the suitable CC to collect points for travel overseas and my payment monthly is full , no debt and if possibly free annual fee entirely. Thanks


1 November 2022
Hi there, I wanted to see if I as an invidual can get the amex business card? Or if I have to be a business owner to get this?
    Pauline -


    2 November 2022
    Hi Kerrie, yes you need to have a business, a valid ABN registered for GST to apply for a business credit card from Amex.
Natalie richards

Natalie richards

28 October 2022
What’s the best credit card for me ?
    Pauline -


    28 October 2022
    Hi Natalie, this is only a question that you yourself can answer. There are different credit cards that you can choose from depending on how you want to use the card. You also need to consider the card’s interest and fees, and its eligibility requirements like the yearly income, credit score and the like. You can compare some of the credit cards available for your options. Read the reviews and see what features appeal to you, save the card to your shortlist and then you can compare them side by side to make an informed choice!
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