Qantas Frequent Flyer Credit Cards

Updated 1 April 2020

Enjoy flights, upgrades, merchandise and more when you earn Qantas Points on your card spending with this great range of Qantas cards.

Coming in all shapes and sizes, Qantas cards can suit all types of cardholders. Whether you simply want to earn Qantas Points on your day-to-day purchases, or you want a card that’s packed with Qantas extras, there is sure to be a card for you within the fantastic selection we’ve compiled on this page.

Qantas offers one of the most popular frequent flyer programs in Australia, and is affiliated with a number of popular airlines around the world. That means not only can you earn and redeem points on Qantas flights, you can also benefit from Qantas’s partnership with Emirates, Qatar Airways, British Airways, American Airlines and more.

The Qantas Frequent Flyer program is pretty huge indeed. The Qantas Points you earn can be redeemed for flights and upgrades, for accommodation and car hire, for travel insurance and goodies from Qantas Wine. You can also head online to the Qantas Store to pick up anything from the latest iPhone to a new set of suitcases, or check out the shops with a gift card in hand.

But, before you can do all that, you need to find the right card. Check out the range of Qantas cards on this page, using our handy visual comparison tool to compare important features such as each card’s earn rate, annual fee and bonus points offer. Whether it’s a card from the big banks or a card from Qantas Money itself, we make it super easy to find, compare and apply.

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Discover the world with Qantas Points

Your Qantas Points could take you anywhere, allowing you to uncover new adventures as you travel the globe. Want to stay closer to home? While earning on the Qantas program gives you access to flights, upgrades, holiday packages and hotels, it offers plenty of non-travel alternatives as well. Indulge in gourmet food and wine, or pick from thousands of products in the Qantas Shopping Rewards Store.

Your Guide to Qantas Frequent Flyer Cards

Earning points on the Qantas Frequent Flyer program, a Qantas Frequent Flyer card offers cardholders access to an extensive range of rewards, with everything from flights and upgrades to gift cards and gadgets on offer. So, how do you know if a Qantas Frequent Flyer card is right for you? In this guide, we’ll cover all the essential info you need to know, helping you to decide if a Qantas card would work for, how to choose the right card, and how to make the most of it.

Is a Qantas Frequent Flyer card right for you?

Before we look any closer at what Qantas Frequent Flyer cards can offer, you need to consider whether this type of card would work for you. Rewards cards in general don’t work for every type of cardholder, so it’s best to make sure a Qantas card would be a good fit before you start comparing your options.

You love to travel. Frequent flyer credit cards such as Qantas cards tend to suit frequent travellers. If you love to travel, you can use your card to cover flights, accommodation and any other travel spending, earning Qantas Points for each $1 you spend. While you will also earn points on everyday spending, larger travel spends tend to accrue points faster – and if you book with Qantas and its partners, you will earn even more points on each transaction.

You want to earn rewards. If you want to get something back on your credit card spending, rewards cards such as Qantas Frequent Flyer cards could make that happen. As long as you choose the right card – and Qantas is the right program for you – your purchases could give you valuable rewards in return for spending you need to do anyway.

You have a significant credit card spend. Rewards cards tend to reward big spenders. After all, the more you spend on your card, the more points you stack up. However, by choosing the right card – and channelling as much spending through the card as possible – you should be able to maximise your earn even if you’re not that much of a big spender. What’s important here is that you earn more in points value than you pay out in annual fees.

You always pay off your balance each month. Another thing to remember with rewards cards such as Qantas Frequent Flyer cards is that they only suit cardholders who clear their balance each month. You will not see true value on your rewards earning if you pay interest on your credit card, so you should always pay your bill on time and in full, each and every month.

How do you compare Qantas Frequent Flyer cards?

At CreditCard.com.au, you can compare Qantas Frequent Flyer cards side-by-side, taking in important features such as annual fees and interest, as well as earn rates and intro offers. So, now you know a Qantas card could work for you, what should you look for when comparing the options?

  • Earn Rate: A card’s earn rate will give you a good idea of how many points you will earn on your spending. It can also help you work out whether the card will suit your spending style and offer value in the long term. The earn rate on your Qantas card will either be the same across the board (for example, 1 Qantas Point per $1 on all spending), or tiered (so, 2 Qantas Points per $1 on Qantas purchases, 1 Qantas Point per $1 elsewhere, 0.5 Qantas Points per $1 on government spending).
  • Points Caps & Shaping: Points caps and points shaping limit the number of points you can earn on your spending, so be sure to check for this when comparing your options. With points shaping, you will earn fewer points per $1 after you reach a certain spend. For example, you could earn 2 Qantas Points per $1 up to $10,000 each month, and 1 Qantas Points per $1 on all spending after that. Similarly, with a points cap, you will earn no points on your spending after you reach a certain amount.
  • Annual Fee: Your card’s annual fee is an essential component in your comparison. By using your estimated average spend to work out the dollar value it provides in rewards, you can compare that to the amount each card charges in annual fees. If you have a smaller spend, you may find certain cards don’t offer value. On the other hand, a higher spend may allow you to step up the ladder to opt for a higher earning platinum or black Qantas card.
  • Features: Qantas Frequent Flyer cards range from basic to the extravagant, so it’s up to you to work out what kind of card would suit you. Classic cards tend to focus solely on rewards, while platinum and black cards offer more features. These tend to come with higher annual fees, so make sure the payout is worth what you’re getting in return.

What about introductory offers?

Introductory offers can add serious value, allowing cardholders to benefit from bonus points, balance transfers and purchase offers, or big savings on annual fees. Of course, it’s a good idea to weigh up what the card provides in the long term, but over the short term these offers can provide an extra boost to cardholders thinking of signing up.

Bonus Points: This is one of the most popular types of introductory offer on Qantas Frequent Flyer cards. As long as you meet the required minimum spend, you can get your hands on a chunk of bonus points, to spend as you like. Whether that’s a getaway, a big ticket item for the house, or an indulgent shopping spree, bonus points could give you the boost your points balance needs to get you there.

Annual Fee: By reducing or waiving the annual fee in the first year, these offers can provide real value to cardholders. Taking advantage of this type of offer, you can trial the card for free or for a lower cost, getting more value from the rewards you earn and the features you use. Just make sure you can afford the standard annual fee when it comes back into play.

Balance Transfer: Balance transfer offers can be tricky on rewards cards such as Qantas Frequent Flyer cards. To make them work for you, you either need to hold off on new spending (which means you will earn fewer rewards), or be able to pay down both new spending and your transferred balance within the intro period.

0% Purchases: While this type of offer is not common on Qantas cards, it can be a great find. Allowing you to save on interest on your purchases throughout the introductory period, it gives you a bit more freedom to spend. This allows you to earn more in rewards, but you need to make sure you pay off all that spending before the intro period ends.

What does a Qantas Frequent Flyer card offer?

Earning Qantas Points on your Qantas Frequent Flyer card is easy. Purchases on your card will attract a specific earn rate according to the terms set out by your card. Depending on the card you choose, you could earn points on your supermarket shopping and petrol purchases, on little luxuries from your favourite department store, or on your travel bookings with Qantas and other travel providers.

As a Qantas Frequent Flyer member, the Qantas Points you earn on your credit card spending will be automatically transferred to your Qantas Frequent Flyer account. Unless the Qantas Points you earn feature a points expiry date, they will continue you accumulate in your account until you choose to redeem them.

You can redeem your Qantas Points for a wide variety of rewards. In terms of travel, you could redeem your Qantas Points for Classic Flight Rewards, for Points Plus Pay flights, or for Classic Upgrade Rewards with Qantas. Or, you could redeem your points with any of Qantas’s 35 partners and affiliates, such as Jetstar, Emirates and oneworld, to travel to more than 1,000 destinations worldwide.

More travel options are available through Qantas partner hotels, on car hire bookings, or travel insurance. If you enjoy a tipple or two, you could redeem your points for the great deals on offer with Qantas Wine membership. Alternatively, you could visit the Qantas Store to swap your points for any of the 3,000 products available, from gift cards and experiences, to gadgets, homewares and kitchen appliances.

Which providers offer Qantas Frequent Flyer cards?

A wide selection of credit card providers offer Qantas Frequent Flyer cards. You may find Qantas Frequent Flyer cards offered by the Big Four and international banks, by smaller lenders and in partnership with big behemoths such as American Express. You may also find Qantas Frequent Flyer cards issued by Qantas itself.

As each of these providers offers something different, it’s important to look at the fees, features and value of what’s on offer on each Qantas Frequent Flyer card to find the right card for you.

What features are on offer with Qantas Frequent Flyer cards?

If you want more from your Qantas Frequent Flyer card than just rewards, you should find out what features are on offer. The number of features on the card – and their value – will usually depend on the card provider, and the card’s annual fee. Cards with lower annual fees typically offer fewer features, while cards with higher annual fees often provide more extravagant features.

Here are some features you may want to look out for when comparing Qantas Frequent Flyer cards:

  • Complimentary Qantas Frequent Flyer membership: If you’re not a Qantas Frequent Flyer member, this could save you $99.50.
  • Airport Lounge Access: Some Qantas Frequent Flyer cards provide cardholders with airport lounge access, offering a certain number of passes per year or unlimited access.
  • Free Flights: Higher-end Qantas Frequent Flyer cards may offer cardholders a certain number of free flights per year, or alternatively, travel credit to use within a given period of time.
  • Travel Insurance: A handy feature for the frequent traveller, credit card travel insurance can provide a range of cover options on travel both at home and overseas.

As with the rewards on offer, it’s best to work out the value of the features provided in relation to the cost of the card in annual fees. If the card offers features that you will actually use and that you find valuable – and they offer higher value than the annual fee you are paying – the card may well be a worthwhile addition to your wallet.

In what circumstances should you avoid a Qantas Frequent Flyer card?

If you have a large balance transfer to pay off, you may not enjoy the full benefit of your Qantas Frequent Flyer card. To get the most out of a rewards card, you generally need to spend on it – and clear the balance month-to-month to avoid interest accruing. But, if you want to make the most of a balance transfer offer, you should really focus on paying down that transferred balance instead of creating more debt by spending.

Similarly, if you tend to carry a balance every month, you may find the interest you pay on that balance outweighs any reward value you get back on the card. To make a Qantas Frequent Flyer card worthwhile, it’s a good idea to clear the balance to avoid interest.

Which Qantas Frequent Flyer Card is right for you?

Finding the right Qantas Frequent Flyer card for you is all about balance. When weighing up your options, try to think about how much you will spend on the card, to then work out how many points you will get in return. Looking at that total figure, think about the type of rewards you would redeem your points for.

Now, look at the features provided. Will you actually use those features? What are their value to you? Taking all of that into account, you can work out the value of the card to you. Is that value more or less than the amount charged in annual fees? If you are getting a good deal, earning rewards on the spending you do most – while enjoying a nice selection of features you value – you may have found the perfect Qantas Frequent Flyer card for you.

So, what are you waiting for? Check out the great range of Qantas Frequent Flyer cards on Creditcard.com.au today, and you could be one step closer to finding your perfect card.

Some credit cards allow for points to be transferred automatically to Qantas Frequent Flyer program members, some do not. It depends on which credit card you have, so you will need to view the terms and conditions for that card to find the answer.

If you are not already a Qantas Frequent Flyer member, you will have to join to accrue Frequent Flyer points. Membership costs $99.50 but is often thrown in when applying for a new Qantas linked card from some of the banks. This is definitely a point to look out for when deciding on a new frequent flyer card.

Your Qantas member details must be confirmed with the bank issuing your new credit card before points are transferred. This applies whether or not you have just become a member when applying for your card.

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14 questions (showing the latest 10 Q&As)

Donna

Donna

18 February 2020
Looking for a credit card earning qantas flyer points with upto 7 additional card holders. Preferably with limits being able to placed on some. Is this possible. We have an abn and if so a business card is fine. A little scepticaly with Amex as I often see No Amex signs and as we are in construction cards need to be able to be used everywhere.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 February 2020
    Hi Donna, for a business, non-AMEX, have a look at the NAB Qantas Business Signature. Multiple cards with individual credit limits under a single account. You can decide who gets the Qantas points. 50k a statement cap to be aware of.
Damien

Damien

3 July 2019
interested in applying for a qantas credit card, have read terms but have specific questions on rewards and what does minimum spending entails? for example, must spend $1500 within 3 months etc, is that for goods from department store? services? building materials from supplier? insurance products?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 July 2019
    Hi Damien, yes all of those sound like eligible purchases. Things like cash advances, government spend and bank fees are not.
erin

erin

20 September 2018
Hi Roland, looking to upgrade from my NAB low rate card to move into something to start racking up Qantas points for a trip to Europe next year. Want to weigh up the cost between annual fee and sign up spend/bonus. Have any suggestions? I've read a lot and feel like I'm going in circles. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2018
    Hi Erin, what will have an impact is how much money you will spend on your card each month. If you can let me know this I can provide more suggestions. Getting maximum bonus points really builds your Qantas points fast. The NAB Qantas Rewards Signature delivers 90k points. A $295 annual fee first year plus the best earn rate at 1 point per $1 up to $5000 per billing statement. Overall this is a great points earner. Then 6 months later you could apply for another bonus points offer to really bring home the points. Hopefully then you would have a great amount of Qantas points ready for your EU holiday
yufen

yufen

14 September 2018
hi, can all qantus credit card earn rewards point?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 September 2018
    Hi Yufen, yes, technically any card that has the Qantas logo on it will earn Qantas points.
Jason

Jason

5 July 2018
Hi After a credit card that I can build points for Qantas and Jetstar. Would one of these be joined to a certain supermarket as well? Last it would be good to be part of the qantas lounge because of the card. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 July 2018
    Hi Jason, you just need to look for a card that earns Qantas points. You can redeem for Qantas or Jetstar flights plus partner airlines. The right card for you will depend on the amount you spend each month. To get Qantas lounge access you need to pay a fairly high annual fee. Have a look at the HSBC Platinum Qantas credit card. For people that spend not much more than $2,500 a month. Nice bonus points. Nice points earning. Domestic and international travel insurance but no access to Qantas lounges as part of the card. ANZ Frequent Flyer Black gives you lounge access but with much higher annual fee. Good for people that spend around $7,500 a month. For max earning, the AMEX Qantas Ultimate card fits the bill. Uncapped points at 1.5 per $1 spent with lounge access.
Joe potter

Joe potter

30 May 2018
Hi Roland, I bank with Suncorp and am seeking an alternate credit card provider. I want a Visa card with $10k limit (we spend about that per month) and also of importance is qantas frequent flyer points. Thanks joe
martin

martin

21 November 2017
can I use my Qantas points from my Westpac Qantas credit card to buy Jetstar flight tickets
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 November 2017
    Hi Martin, yes you can. Log into your Qantas Frequent Flyer account at https://www.qantas.com. Then book a flight with your points. You will see that both Qantas (plus partner airlines) and Jetstar flights come up and can be booked based on availability and route.
Lorraine Antonieff

Lorraine Antonieff

18 August 2017
you sent me myQantas card on the back is accredit cardprepaid how do I deposit money on this card has no bsb only creditcard details
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2017
    Loading money onto your Qantas Cash prepaid travel money card in 3 ways: Instant Load: funds available immediately - Need to access your funds immediately? Simply select 'Instant Load' when loading via the Qantas Cash website, and for a fee of just 1%, you can use your MasterCard® debit card or Visa debit card to load funds instantaneously. Bank Transfer: funds available the next business day - Loading directly via your bank account using Bank Transfer is a great way to load or top-up your balance, plus it's free!5 Just select ‘Bank Transfer’ when loading via the Qantas Cash website. Select the currencies and amounts you wish to load in three easy steps, and then complete the transfer via your personal bank account. Simple! Do so prior to 2pm AEST/AEDST Monday to Friday, and your funds will be available the next business day. BPAY®: funds available within 2-3 business days
Gayle Wood

Gayle Wood

24 April 2017
I have a Qantas Frequent Flyer card and want to know how I apply for it to become a credit card???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 April 2017
    Hi Gayle, the Qantas membership is separate to a credit card. You can apply for any Qantas points earning credit card that best suits your needs. In the application you will simply put in your current Qantas Frequent Flyer membership number. Then when you spend on your new card the points will automatically get transferred to your QFF account on a regular basis. Check out a range of the latest Frequent Flyer credit card offers. Note that not all cards in that category will earn Qantas points directly but any that do will be clearly stated.
Sabiha

Sabiha

23 December 2016
I am looking for a credit card with travel insurance and zero annual fees let me know which is best
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 December 2016
    Hi Sabiha, the HSBC Platinum could work. It's not a no annual fee card but allows for the annual fee to be credited back when you spend $6,000 a year on the card. Another option in the total NAF front but sometimes hard to get approved for is the Bankwest Zero Platinum. This is a great no annual fee product but doesnt earn reward points like the HSBC Platinum.
Tamara Mossman

Tamara Mossman

13 December 2016
please clarify what 0% balance transfer. Does it mean if I balance transfer $5000 from one card to a new one. I have a promotional period where I am able to pay off the balance without incurring any interest charges or additional fees for the entire promotional time? eg: 12 month 0% interest fee.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 December 2016
    Hi Tamara, yes you are correct on the 0% balance transfer. What you need to to look at is if there is any balance transfer fee (some cards have this). Then also you still need to pay any annual fees during the intro period plus make minimum payments.
Rob

Rob

25 August 2016
Hi Roland, The ANZ FF Credit Card is 2 cards Visa and Amex. 1. Is the annual fee for both cards. 2. Do you only receive one statement with both cards transactions on it together 3.And what does ($1000 minimum credit limit) mean. Thanks Rob
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 August 2016
    Hi Rob, the annual fee is for both cards. You do only receive one statement with both transactions together. The minimum credit limit is the least amount of credit that you can be approved for. If the minimum was $6,000, then you would be approved for at least a $6,000 limit. Meaning in the later case that you could borrow up to $6,000 on the card.
Rob

Rob

24 August 2016
Hi Roland, with the ANZ Frequent Flyer Credit Card, I only want the Visa noy the Amex,is this possible.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 August 2016
    Hi Rob, this is a dual card, therefore you get the AMEX thrown anyway. You are not forced to use the AMEX, therefore if you really don't want it, you can cut up that card when you receive and never use it. Bottom line is the AMEX should be used when possible to maximise your points earnings. Best of luck with your application.
Neil

Neil

29 July 2016
HI Roland My wife and I have Westpac Altitude platinum Visa but fly Quantas and so can't use Altitude points. Just want card, low fees, Quantas points, not Amex. Also have points to transfer. Thanks
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