Qantas Frequent Flyer Credit Cards

Your Guide to Qantas Frequent Flyer Cards

Earning points on the Qantas Frequent Flyer program, a Qantas Frequent Flyer card allows you to unlock an extensive range of rewards. You'll find everything from flights and upgrades to gift cards and gadgets.

So, how do you know if a Qantas Frequent Flyer card is right for you? In this guide, we’ll walk you through everything you need to know. How Qantas cards work, how to choose the one that fits your lifestyle, and how to get the most value from your points.

Wondering how to turn your daily spending into flights and upgrades? Here’s what you need to know.

Is a Qantas Frequent Flyer Credit Card Right for You?

Before you start daydreaming about lie-flat seats and airport lounge snacks, let’s make sure a Qantas card actually suits your style. These rewards cards can be packed with perks, but only if you play the game right. See if you tick any of these boxes:

• You love to travel. An obvious one, but true. If you’re always planning your next trip or just want to fly smarter, a Qantas card can help you earn points on flights, hotels and travel extras. Book with Qantas or one of its mates (Emirates, Qatar, etc.) and you’ll stack up points even faster.
• You want rewards, not just regrets. If you’re spending anyway, why not get something back? As long as Qantas Points work for your goals, these cards are a great way to turn groceries, travel and brunch into flights and upgrades.
• You spend a decent chunk each month. Rewards cards favour those who swipe (or tap) often. You don’t need to go wild, but the more you put on your card, the more you’ll get back. Just remember that as long as the value outweighs the annual fee, you're in the clear.
• You don’t do interest. Let’s be real: if you’re carrying a balance, the perks won’t save you. These cards are made for people who pay off their balance in full. Every. Single. Month. Otherwise, you’re just paying for points that aren’t really worth it in the end
• You meet the eligibility requirements. These aren’t your average no-frills credit cards. Most Qantas frequent flyer cards have minimum income requirements and solid credit score expectations. If you’re new to credit or still building up your score, it’s worth checking the fine print before you get your hopes (or points balance) up.

How to Compare Qantas Frequent Flyer Credit Cards

At CreditCard.com.au, you can line up Qantas Frequent Flyer cards side-by-side and compare the stuff that really matters—like annual fees, interest rates, earn rates and intro offers. But once you know a Qantas card could work for you, how do you choose the right one?

• Earn rate: This tells you how many Qantas Points you’ll earn per dollar spent. Some cards offer a flat rate (e.g. 1 point per $1), while others are tiered. Think 2 points per $1 on Qantas flights, 1 point on everyday spending, and maybe 0.5 on bills or government charges. The key? Pick a card that rewards you where you actually spend.
• Points caps & shaping: Not all cards offer unlimited earning. With points capping, your earn rate drops after you hit a certain spend. For example you might earn 2 points per $1 up to $10k/month, then 1 point after that. The extreme version of capping goes one step further and cuts off points altogether once you reach the limit. If you’re a big spender, keep an eye out for these traps.
• Annual fee: This one’s as simple as it sounds. Does the value of the rewards you’ll earn outweigh the cost of the card? If you’re only spending a little, a lower-fee card may offer better value. But if you’re running everything through your card, a premium Qantas card (hello, lounge access and travel perks) might be worth the splurge.
• Features: Some Qantas cards keep it basic and focus on points. Others, notably platinum and black-tier cards bring extra perks like complimentary insurance, lounge passes or concierge services. Just make sure the bells and whistles are actually useful for you, not just shiny distractions.

Once you’ve nailed the basics, there’s one more thing worth your attention. Yep, we're talking about those shiny intro offers that promise a flood of bonus points. Tempting? Definitely. But let’s break down how they really work.

What About Introductory Offers?

Introductory offers can be a game-changer! This is especially true if you’re looking to kickstart your Qantas Points balance or save on fees in your first year. From bonus points to balance transfers, these promos can give your card a serious glow-up… but only if they work for the way you spend. Here's what you'll need to watch for:

Bonus points: This is the headline act. Spend a set amount in the first few months, and you could score tens of thousands of Qantas Points. This should be enough for a domestic flight, an upgrade, or a guilt-free splurge. Just make sure the minimum spend works with your budget, not against it. Don't spend if you can't afford it

Annual fee discounts: Some cards waive or reduce the annual fee for the first year, which is a great way to test-drive the perks without the price tag. Just don’t forget to check what the fee looks like when it bounces back in year two.

Balance transfers: These can be tricky on rewards cards. Some Qantas cards offer a 0% balance transfer deal, but keep in mind: new purchases might not earn rewards while you carry a transferred balance, and interest can sneak in fast if you’re not paying both down aggressively.

0% on purchases: Not super common, but a nice bonus if you find it. This gives you a bit of breathing room on interest while still racking up points. Just be sure to clear your balance before the interest-free period ends, or you’ll undo all that value.

What Does a Qantas Frequent Flyer Card Offer?

Earning Qantas Points with a Qantas Frequent Flyer card is easy…just spend like you normally would. Your card’s earn rate will determine how many points you get per dollar, and depending on the card, you can earn on everything from your grocery shop and fuel to flights and fancy department store splurges 💅.

Your points are automatically transferred to your Qantas Frequent Flyer account, and unless they come with an expiry date (most don’t - just make sure you keep earning), they’ll just keep stacking up until you’re ready to redeem them.

So, what can you use your Qantas Points for? 

Plenty. 

In the travel world, you can redeem points for:

• Classic Flight Rewards
• Points Plus Pay flights
• Classic Upgrade Rewards with Qantas

And it doesn’t stop with Qantas. You can also use your points to book travel with any of Qantas’s 35+ airline partners, including Jetstar, Emirates, and the full oneworld alliance. This gives you access to 1,000+ destinations worldwide ✈️.

Beyond flights, you can use your points for hotel stays, car hire, travel insurance, or treat yourself with Qantas Wine 🍷. And don’t forget the Qantas Store, where you can redeem points for over 3,000 products. Take your pick from gift cards and gadgets to homewares, kitchen appliances, and experiences 🛍️.

Now that you know what perks are on offer, let’s look at who’s handing out those Qantas Points. Spoiler: it’s not just Qantas.

Which Providers Offer Qantas Frequent Flyer Cards?

Qantas Points aren’t just handed out by Qantas. A bunch of major banks and credit card providers partner with the Qantas Frequent Flyer program, meaning you’ve got plenty of choice when it comes to picking your new points provider.

You’ll find Qantas cards from the Big Four banks, premium players like American Express, and even Qantas itself. Options include:

• ANZ – With a mix of classic and premium cards, ANZ’s Qantas range offers bonus points, lounge access and travel perks on higher-tier options.
• NAB – NAB’s Qantas cards are great for points chasers who want flexibility, with options to suit different budgets and spend levels.
• Westpac – Offers a variety of Qantas-linked cards, often with generous intro bonuses and bundled Qantas Lounge invites.
• American Express – Known for high earn rates and premium perks, Amex Qantas cards suit cardholders who want to fast-track their rewards (and won’t mind the higher annual fee).
• Qantas Money – Get your points direct from the source. Qantas Money cards come with strong earn rates, sleek digital tools and, of course, bonus points promos.

Each provider brings something different to the table, whether it’s lower fees, bigger bonuses or more premium perks. The trick is to compare them side by side to see which one delivers the best value for how you spend.

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.

Will my Qantas Frequent Flyer points be transferred to my account automatically?

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.

Do I have to join Qantas Flyer program to link my credit card?

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.