Qantas Frequent Flyer Credit Card

Compare the Best Qantas Credit Cards for Qantas Points. All the deals on Qantas Point earn rates, sign up bonuses, rates & fees. Apply online for 60 a second response.Qantas Frequent Flyer Credit Cards

Qantas Credit Cards are offered by all of the major Credit Card Providers enabling Qantas Frequent Flyer members to accelerate their earning of Qantas Points by choosing to use a Qantas Credit Card to pay for everyday purchases. Any Qantas Points earned from using your Qantas Credit Card are automatically added to your Qantas Frequent Flyer Account as your Qantas Credit Card and Frequent Flyer Accounts are linked.

Qantas Credit Cards frequently include enticing sign up bonus deals for new customers, these deals often feature a number of Qantas Points which tend to be between 5,000 and 90,000 Qantas Points, with the larger bonuses being offered on the Platinum and Black Qantas credit cards. A selection of the best Qantas credit cards for earning Qantas Points are featured in the comparison table below, which also includes a Qantas Points calculator designed to indicate the number of Qantas Points you would earn in the 1st 12 months of being a cardholder, relative to your projected monthly credit card spend.

Thumb amex gold qantas

  • 0% p.a. on balance transfers for the first 12 months - offer excludes any existing or previous card members. 
  • Up to 55 Interest free days - on purchases
  • 1 Supplementary card - Pay no annual card fee for a Supplementary Card that earns points to your account.
  • No points cap - on the amount of Qantas Points you can earn
  • Complimentary Qantas Club lounge invitations - 2 Invitations each year after your first card spend on selected Qantas products and services
  • Automatic Points Transfer - Each month any points earned will be automatically transferred to your linked Qantas Frequent Flyer Account
  • Exceptional Qantas Point earn rates - earn up to 1.25 Qantas Points per $1 spent

  • 0% p.a. on balance transfers for the first 12 months - offer excludes any existing or previous card members. 
  • Up to 55 Interest free days - on purchases
  • 1 Supplementary card - Pay no annual card fee for a Supplementary Card that earns points to your account.
  • No points cap - on the amount of Qantas Points you can earn
  • Complimentary Qantas Club lounge invitations - 2 Invitations each year after your first card spend on selected Qantas products and services
  • Automatic Points Transfer - Each month any points earned will be automatically transferred to your linked Qantas Frequent Flyer Account
  • Exceptional Qantas Point earn rates - earn up to 1.25 Qantas Points per $1 spent

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What is a Qantas Credit Card?

With over 10 million members the Qantas Frequent Flyer Program is the largest airline loyalty program in Australia, and was originally designed to reward customers with Qantas Points in return for choosing to fly with Qantas. These Qantas Points could be redeemed for flights, upgrades and more recently a wide variety of goods and services through the Qantas Rewards Online Store. In response to the success of the program Qantas sought to expand the ways in which Qantas Frequent Flyer Members could earn Qantas Points, and this prompted the launch of Qantas Credit Cards in partnership with a number of the Credit Card providers.

 

Qantas Credit Cards where an immediate hit with Qantas Frequent Flyer Members as it enabled them to accelerate their earning of Qantas Points with very little effort, as they simply had to choose to pay for everyday purchases using their Qantas Credit Card.

 

Are Qantas Credit Cards relevant to me?

Qantas Credit Cards are most appealing to frequent flyers whose loyalty is to Qantas Airways, as it allows them to focus their reward point earning activities on single reward currency, that of Qantas Points. Not all frequent flyers are loyal to a single airline, but rather are members of a number of frequent flyer programs, preferring to purchase their flights based on other factors aside from loyalty, with price being a popular one. If the majority of the flights you book are not with Qantas Airways a Qantas Credit Card may not be the best choice when compared to other rewards credit cards which could offer greater flexibility by allowing any reward points earned to be transferred to a selection of frequent flyer programs. These Reward Credit Cards with enhanced flexibility are offered by Westpac through their Altitude program that has 10 airline partners and American Express Member Rewards that features 6 Airline Partners.

 

Earning Qantas Points using a Qantas Credit Card?

As part of the application process for a Qantas Credit you will be asked to provide your Qantas Frequent Flyer number which will be used to link your new Qantas Credit Card account with your Qantas Frequent Flyer Account. By linking these accounts any Qantas Points you earn from using your Qantas Credit Card are automatically credited to your Qantas Frequent Flyer Account at the end of each statement period.

If you are not a member of the Qantas Frequent Flyer Program when you make your application for a Qantas Credit Card you can skip the section regarding the Qantas Frequent Flyer Member Number and add it a later time once you have signed up to the program, at which point your accounts will then be linked. You can sign up for the Qantas Frequent Flyer Program on the Qantas website.

With your Qantas Frequent Flyer Account and new Qantas Credit Card linked you are ready to start earning Qantas Points simply by using your Qantas credit card to make purchases. For each eligible purchase you make using your card you will receive a number of Qantas Points based on the dollar value of the purchase, and the point earn rate your Qantas Credit Card offers.

So for example if your Qantas credit card reward point earn rate is 1 Qantas Point per $1 of spend, and the purchase you made was for $150, you would earn 150 Qantas Points.

If you use your Qantas Credit Card to purchase goods and services from Qantas Partners your point earn rate may be higher than your standard Qantas Point earn rate, with 2x your standard rate being frequently available. Qantas partners who offer these higher point earn rates include Car Hire Companies, Caltex Petrol Stations, major Retailers and Hotels. On the flip side there a number of purchases that are not eligible for earning Qantas Points, these generally include the payment of utility bills, transactions with the ATO and cash advances.

 

Qantas Credit Card Comparison

When comparing Qantas Credit Cards it is tempting to focus merely on the cards potential for earning Qantas Points from generous introductory bonus point offers and high point earn rates. These point earning features are certainly important but your comparison should seek to balance these features with an assessment of the credit cards competitiveness in terms of interest rates, fees and benefits. 

 

Selecting the Best Qantas Credit Card

To select Best Qantas Credit Card you must first establish how you are planning on using your Qantas Credit Card and how the card will be managed and repaid each month, given your current financial circumstances. The following guide is designed to assist with your credit card comparison as you work toward selecting the best Qantas Credit Card for your financial circumstances.

 

Qantas Point Earn Rate

The point earn rate determines the number of Qantas Points earned for each dollar spent using your Qantas credit card on eligible purchases, these earn rates are generally in the range of 0.5 to 3 points for each $1 spent. The Qantas credit cards featuring the earn rates at the 3 point level are the Platinum and Black Credit Cards which come with very tight eligibility requirements, including high minimum annual salary levels and perfect credit reports.

 

Qantas Credit Card Annual Fees

The majority of Qantas credit cards charge an annual credit card fee, the current exception being the American Express Discovery Card. The annual credit card fee for Qantas Credit Cards range from around $80 up to $1,200, to understand the level of fee that makes sense for your circumstances, an approach might be to calculate the level of spend you would need to make using the card to earn Points of value, equal to the annual card fee.

The level of the annual credit card fee on Qantas Credit cards is directly related to the benefits included with the card with the higher annual fee cards typically including complimentary travel insurance, complimentary airport lounge access extended product warranties and higher point earn rates.

 

Qantas Credit Card with No Annual Fee

Qantas Credit Cards are generally packed full of features and benefits with an annual fee to match, though recently a number of card providers have launched Qantas Credit Cards with no annual fee. These Qantas Credit Cards have slimmed down features but still feature introductory point offers and good Qantas Point Earn rates, with the Discovery Credit Card from American Express leading the way as the most popular Qantas No Annual Fee Credit Card.

 

Capping of Qantas Points on your Credit Card Spend

Increasingly Qantas Credit Cards feature a Points cap. This points cap is the maximum number of Qantas Points you can earn in a specified time period, usually monthly or annually, through using your Qantas Credit Card to pay for eligible purchases. Once you reach the stated Points cap, any further spending using your Qantas Credit Card during the capping period, will not earn Qantas Points.

So if your Qantas Credit Card has a monthly Qantas Points cap of $10,000 any spend over $10,000 in a month will not earn Qantas Points, for example given this points cap, a spend of $15,000 on eligible purchases in March, only $10,000 of this spend would qualify earn Qantas Points, with the other $5,000 of spend being above the cards point cap.

Qantas Credit Cards with no point capping can be found though they tend to be premium level, platinum or black credit cards with high minimum income eligibility criteria and high annual fees.

To understand if a points cap will effect your Qantas Point earning compare your forecast monthly and annual credit card spend with the cap values each of the Qantas Credit Cards places across the cap periods. The cards that feature point cap levels above your forecast spend will allow you to be rewarded with Qantas Points for all your spend, assuming you spend to your forecast.

 

Qantas Credit Card Purchase Interest Rates

As with most Frequent Flyer Credit Cards Qantas Credit Cards tend to feature purchase rates at the higher end of the range, so if fail to repay your balance in full each month the value any Qantas Points you have earned from card usage will soon be wiped out by the monthly interest charges. Given these high purchase rates Qantas Credit Cards are most suitable for cardholders who have the income and resources to repay any monthly balance in full, to avoid the high interest charges.

 

Bonus Qantas Point for new Qantas Credit Card Customers?

Bonus Qantas Points are a popular incentive used by all the credit card providers to entice new customers to apply for their Qantas Credit Card, these Bonus Point offers range from 5,000 up to a massive 100,000 Qantas Points. To qualify for these bonus points, applicants must be new customers to the card provider, with the definition of new varying by provider, but generally meaning you have not held a credit card with the provider in the last 6 months. Once you have received your new Qantas Credit Card you’ll generally need to make a purchase(s) with your Qantas Credit Card to receive the full amount of Bonus Qantas Points.

 

Qantas Frequent Flyer Credit Cards with Sign up Bonus Qantas Points 

 

AMEX Qantas Ultimate Credit CardAmerican Express Qantas Ultimate Credit Card

55,000 Qantas Points  Full Card Details >>

Annual fee $450, 0% p.a. on Balance Transfers for 12 months, No points cap, Complimentary Insurances

 

Citi Qantas Rewards Credit CardCiti Qantas Rewards Signature Credit Card

50,000 Qantas Points  Full Card Details >>

Reduced Annual fee to $199 p.a. (from $395), High Qantas Point earn rates, Complimentary Insurances

 

AMEX Qantas Premium Credit CardAmerican Express Qantas Premium Credit Card

30,000 Qantas Points  Full Card Details >>

Annual Fee $249, No Points cap, 0% p.a. Balance Transfer for 12 months, Up to 44 days interest free on purchases

 

Do Qantas Points earned from Qantas Credit Card spend ever expire?

Qantas Points will not expire subject to some levels of activity on your Qantas Account within an 18 months timeframe. So as long as you earn or use Qantas Points (excluding family transfers or the conversion of points from Aquire) through your Frequent Flyer account at least once every 18 months your Qantas Points will not expire. Activity includes earning or using Qantas Points with Qantas program partners. The 18 months period commences from the date of your last activity (in the case of earning points on eligible flights, that is the date the flight was taken). If your Qantas Points do expire, you remain a Frequent Flyer member and your Frequent Flyer number and card remain valid.

 

Earning the most Qantas points with a Qantas Credit Card?

Bonus Qantas Points for New Card Sign ups - With Qantas Point bonuses ranging from 5,000 to 100,000 Qantas Points switching to a new Qantas Credit Card can be very rewarding move. Be aware that to qualify for any of these bonus Qantas Point offers you will need to a be a new customer of the card provider making the offer, where a new customer is generally defined as not held a card with the card provider, though these definitions do vary so check before making your application. When assessing the value of these sign up bonuses make sure the Qantas credit card you select is also competitive beyond the receipt of the bonus points, in terms of Qantas Point earn rates, interest rates and fees.

Qantas Point Earn rate - The rate at which you can earn Qantas Points in reward for using your Qantas Credit Card is determined by your Qantas Point earn rate, which is generally expressed as a point per dollar of spend ratio. These point earn rates cover a large range, and are also subject to change so it is worth monitoring your earn rate not only when making your initial credit card choice, but each month when you review your card statement which will feature your Qantas Point Earn Rate.

Companion Qantas credit cards - An evolution of the Qantas Credit Card is the Qantas Companion Credit Card, which has been developed specifically to enable Qantas Credit Card holders to maximize all Qantas Point earning opportunities. When you choose a Companion Credit Card you will be issued with 2 Qantas credit cards that will operate on a single account, the 2 cards will be a Qantas American Express Credit Card and a MasterCard or Visa Qantas Credit Card. The purpose of holding 2 cards is to allow the cardholders to take advantage of the differing earn rates offered by the 2 cards and so use them to pay for purchases based on the best earn rates or acceptance of the card. These companion Qantas credit cards are designed to enable you to tailor the way you spend and earn Qantas points on your account, offering more control over your Qantas Points and ensuring you maximize you all Qantas Point-earning opportunities.

 

Qantas Credit Card offer generous benefits with a focus on travel

Qantas Points - The primary benefit of a Qantas Credit Card is that you will earn Qantas Points when you choose to use it to make purchases. These Qantas Points can be redeemed for hotel bookings, flights with Qantas and their partner airlines, upgrades and a range of products and services from the Qantas Frequent Flyer online store.

Travel insurance - Increasingly Qantas credit cards include complimentary travel insurance when the travel is paid for using your Qantas Credit Card. A recent extension of this benefit, offered by a select number of Qantas Credit Cards, is the inclusion of complimentary travel insurance when the booking is made using Qantas Points

Qantas Frequent Flyer Partners - Using your Qantas Credit card to make purchases with these partners can be extra rewarding as they frequently offer special Qantas Point Earn rates which are generally at least double you normal point earn rate.

Qantas Club - A number of Qantas Credit Cards include complimentary entry to The Qantas Club which comprises of a network of Airport business lounges which are designed to make the start of your journey that little more relaxing with complimentary drinks, refreshments and luxurious surroundings.

Frequently Asked Questions

Can I make a Balance Transfer to a Qantas Credit Card?

Yes, some Qantas Frequent Flyer credit cards feature balance transfer deals offering 0% or low balance transfer rates for periods between 12 and 14 months. Take note though, that balance transfers are usually not eligible to earn Qantas Points. To be sure, check the terms and conditions of the balance transfer offer of the credit card provider to know more about the interest rates, related fees, rewards eligibility and other provisions of the program.

How can I find out the date when my Qantas Points are due to expire?

You can check your last activity any time in your online Qantas Activity Statement. At 60 days before expiry, your Activity Statement will show that you have Qantas Points due to expire.

If you have opted into recieve the Frequent Flyer eNewsletter, your eNewsletter will include a notice in the month that your Qantas Points are due to expire and the month prior to your Qantas Points expiry.

Can I transfer frequent flyer points from my other airline Frequent Flyer programs to my Qantas Frequent Flyer membership

No, you cannot transfer or combine points from other airlines' Frequent Flyer programs with Qantas Points.

Where can I find out how many Qantas Points I have earned using my credit card?

Your Monthly credit card statement, issued by your credit card provider, will show you how many Qantas Points you have earned during that billing period.

If at any other point during the month you want to know how many Qantas Points you currently have you can log onto the Qantas website, enter your membership details and your account will be displayed. When viewing your qantas Points on the qantas Website it is important to understand that any points earned are transferred to your Qantas Account on a monthly basis, not immediately you make any eligible transactions using your Qantas Frequent Flyer Credit Card. You can also access the Qantas store online so you can see what  services and merchandise are available.

Can I only redeem the Qantas Points earned from my Credit Card spend for Qantas flights?

No. Flights are only one part of the rewards offered by Qantas Rewards. In fact, you actually don’t have to be a Qantas frequent flyer to own a Qantas frequent flyer credit card because the Qantas Points you earn under this rewards program don’t just cover flights, flight upgrades, hotel bookings, and other travel perks. Qantas Frequent Flyer Points can also be redeemed for a huge variety of non travel related rewards.

The Qantas store for instance, boasts of over 3,000 merchandise and gift items from quality brands. Merchandise can be easily redeemed online through your frequent flyer program account and delivered to your address. Rewards under the Qantas frequent flyer program can also be redeemed using a combination of earned Qantas Points and cash.

How long does it take for Qantas Points earned with a Qantas Frequent Flyer Credit Card to be shown in my Qantas Frequent Flyer Account?

The time it takes for your earned Qantas Points to be transferred to your Qantas Frequent Flyer account is dependent on your credit card providers processes. Providers usually have a designated day of the month when transfers are made. If you have previously earned Qantas Points, you may check your account statements for the previous months to know the exact date of the transfer. If you are a new Qantas frequent flyer cardholder, you can expect the Qantas Points to be moved once per month, usually after your first billing period, and after you’ve made a payment on your Qantas credit card.

Unsuccessful transfers or delays in the process could be due to the following reasons:

  • The credit card name is different from the name of the Qantas Frequent Flyer account;
  • The provider holds an incorrect Qantas Frequent Flyer number
  • The provider has purposely withheld the Qantas Points in accordance with certain terms and conditions.
  • If you have already made a payment on your credit card and your Qantas Points do not reflect on your Qantas account within 30 days, it is best to contact your Qantas credit card provider regarding this matter.
Do any Qantas Frequent Flyer Credit Cards allow you to earn Qantas Points for Australian Taxation Office payments?

Yes a number of Qantas Frequent Flyer Credit Cards do enable you to earn Qantas Points from ATO Payments, these cards include:  American Express Platinum Edge Credit Card , American Express Platinum Credit Card and David Jones American Express Credit Card

Do Qantas offer a Credit Card?

Yes Qantas do offer their own credit card which is issued in partnership with Citi. The Qantas Premier Mastercard was launched in July 2017. As you'd expect from a credit card developed by Qantas the Qantas Point earn rates and flight discount offers are some of the best available.

Qantas Premier Mastercard has a tiered earn rate to help maximise rewards for Qantas frequent flyers. You will earn the most Qantas Points for spending with Qantas or overseas: 2 points per $1 and 1.5 points per $1 respectively. You also earn 1 Qantas Point per $1 spent on eligible purchases in Australia up to $10,000 per month and 0.5 points per $1 after that. Your point earning is uncapped.

While there are many Qantas frequent flyer cards that also offer complimentary lounge invitations and travel insurance, the Qantas Premier Mastercard has sought to be different by offering up to 20% off selected domestic companion fares once a year when you book through the Qantas Premier Concierge.