Our Pick Of The Best Qantas Points Credit Cards For Frequent Flyers

The Qantas American Express Ultimate Card is our top-ranking credit card for those looking to earn Qantas points and accrue decent points and rewards.

Frequent flyers can earn 2.25 Qantas points on eligible Qantas transactions per $1 spent, and 1.25 Qantas points on every day purchases. Additionally, there is no limit to how many points an individual can earn within a single year.

Along with points earning, cardholders will also receive a $450 travel credit (offsetting the $450 annual fee), access to airport lounges, and complimentary travel insurance.

The Qantas American Express Ultimate Card does have a higher interest rate than usual, at 23.99%, with a lower interest-free period of 44 days. There is no minimum income required in order to be eligible for the card.

The Qantas Premier Platinum Master Card offers 1.5 frequent flyer points per $1 spent on international spend, which may appeal to global travellers. Domestically, you can earn 1 point per $1, up to $10,000 per statement period, then 0.5 points per dollar thereafter.

There are a range of travel perks, too, such as complimentary domestic and international travel insurance, discounted companion fares, two lounge passes and more. There is also a generous bonus points offer, with 90,000 up for grabs pending certain conditions are met.

Unfortunately, despite the wide range of perks, there is no travel credit offered to offset the high annual fee. Instead, Qantas is offering a discounted annual fee of $349 for the first year.

The Qantas Premier Platinum Master Card has a 20.99% interest rate on purchases, with 55 days’ interest free, and a $6,000 minimum credit limit. To be eligible for the card, you must have a minimum income of $35,000 per annum.

The NAB Qantas Rewards Signature card includes an impressive bonus points offer of 90,000 when you spend $3,000 within the first 60 days and an additional 30,000 bonus points when you keep your card for over a year. Unfortunately the points earning is capped at $20,000 per statement period.

Additionally, the travel perks are slimmer than others on the market, with no travel credit nor lounge access. However, Qantas Frequent Flyer membership, valued at $99.50, is included as is complimentary insurance, including travel insurance, rental vehicle excess in Australia, purchase protection insurance and extended warranty insurance.

While there is no minimum income to apply, there is a very high minimum credit limit of $15,000. It has a 20.99% interest rate with up to 44 days’ interest free. Annual fee is high at $420 for each year after, but if you’re an existing NAB customer it is reduced to $320 a year for the life of the card.

The ANZ Frequent Flyer Platinum Card offers uncapped points earning potential, however, the points-to-spend ratio is lower than competitors. You can earn 0.75 points for every $1 up to and including $3,000 on everyday items, but then only 0.5 points for every $1 over $3,000.

There are no travel credit or lounge access, but a reasonable annual fee  of $295 per year. Plus, if you’re not already a Qantas Frequent Flyer member, you’ll receive a complimentary membership valued at $99.50.

Additionally, there are impressive complimentary insurance offerings: both international and domestic travel insurance, rental vehicle excess in Australia, extended warranty insurance, and purchase protection insurance. You’ll also earn 75,000 points on sign-up and $100 back when you spend $2,500 on eligible purchases in the first three months.

The interest rate on the ANZ Frequent Flyer Platinum Card is 20.99% with 55 days’ interest free. No minimum income is required for the card, and the minimum credit limit is $6,000.

With an impressive bonus points offer of 90,000 on sign-up, and an extra 30,000 points if the card is kept for one year, ANZ Frequent Flyer Black Credit Card easily made our list of top picks. New cardholders also receive $250 back when spending $5,000 in the first three months.

However, the $425 annual fee is high, with no first-year discount, and cardholders can only earn 1 Qantas point per $1 up to and including $7,500 each statement period. After this limit, cardholders will only earn 0.5 Qantas points.

There is complimentary Qantas Frequent Flyer membership (valued at $99.50), plus complimentary lounge access as well as domestic and international travel insurance. Unfortunately, there is no travel credit.

The ANZ Frequent Flyer Black Credit Card has an interest rate of 20.99% and 55 days’ interest free. While there is no minimum income, there is a very high minimum credit limit of $15,000.

Westpac’s top offering for a Qantas points credit card is its Westpac Altitude Qantas Black, which costs $295 a year, but is discounted to $200 in the first year. New cardholders receive 150,000 bonus points—with 100,000 rewards points if you spend $6,000 on eligible purchases within four months of new card approval and an extra 50,000 points after your first eligible purchase in the second year.

Cardholders can earn 0.75 Qantas points per $1 spent, up to a capped limit of $250,000 per year. While the Westpac Altitude Qantas Black does not offer a travel credit, you will receive two complimentary Qantas Club airport lounge passes each year. International travel insurance is also complimentary for up to six months of travel.

The interest rate is 20.99% with a 45-day interest-free period. The minimum income requirement is quite high at $75,000, as is the minimum credit limit of $15,000.

The Qantas American Express Premium card costs a lower-than-average $249 per year, and offers cardholders 20,000 bonus points when $3,000 is spent on eligible purchases within the first three months. There is also uncapped earning potential.

While there is no travel credit, cardholders can receive two complimentary Qantas Club Lounge invitations each year following their first card spend on selected Qantas products and services in Australia.

Additionally, cardholders receive complimentary domestic and international travel insurance, as well as a range of other insurances: card purchase cover, card refund cover, fraud protection guarantee, and emergency card replacement.

The interest rate of the Qantas American Express Premium is high at 23.99% with 44 days’ interest-free. There is no minimum income required to be eligible for the card, and only a $2,000 minimum credit limit.

The Qantas American Express Discovery Card, is more no-frills than its competitors with no bonus points on sign-up. Instead, the card has no annual fee, making it a cost-efficient way for budget travellers to earn points.

The points-earning ratio is 0.75 Qantas points per $1 spent, with an additional 1 Qantas point per $1 spend on selected Qantas products and services. There is also uncapped earning potential, too, meaning cardholders can earn as many points as they like during a statement period.

As there is no annual fee, there are also very few extras: no travel credit, complimentary travel insurance nor lounge access.

The Qantas American Express Discovery Card has no minimum income requirement, and a low minimum credit limit of only $2,000. The interest rate is 23.99% and the interest free period is 44 days.

The NAB Qantas Rewards Premium has a generous introductory bonus points offer, gifting cardholders 60,000 bonus points when they spend $2,000 within the first 60 days of opening their account. Plus, if you keep your card for over 12 months, you’ll receive an additional 10,000 bonus points.

Cardholders can earn 1 Qantas point per $1.50 up to $3,000 per statement period, and 1 Qantas point per $3 spent from $3,001 to $6,000. The NAB Qantas Reward Premium card is capped at $6,000 per statement period.

While there is no complimentary travel credit or lounge access, there is a range of insurances: domestic travel insurance, rental vehicle excess in Australia, purchase protection insurance and extended warranty insurance. Additionally, cardholders receive a free Qantas frequent flyer membership valued at $99.50.

The interest rate on the NAB Qantas Rewards Premium card is 20.99% with a 44-day interest-free period. There is no minimum income required to be eligible for the card, and the minimum credit limit is $6,000.