Compare one of the best frequent flyer credit cards to earn miles faster, enjoy travel perks, and save on flights. Find the top card for your travel goals.
[Earn 150, 000 bonus Qantas Points when you spend $4, 000 on everyday business purchases within 60 days of opening your new account. Plus, unlock additional value for your business with the Qantas Business Rewards loyalty program..
NAB may vary or end this offer at any time without notice.
Earn 0.66 Qantas Point for every AU$1.00 you spend on eligible business purchases.
Additional cardholder at $295 per card.
Up to 44 days interest free on purchases.
Minimum facility credit limit $5, 000, ]
[Receive 20, 000 bonus Qantas Points when you spend $3, 000 or more on eligible purchases1 within 90 days from card approval.
Earn 1 Qantas Point per $1 spent on eligible purchases, up to $1, 000 per statement period. After that, every $1 spent earns you 0.5 Qantas Points, up to a total of 7, 500 per statement period. (Qantas Bonus Points are not subject to capping)
0% p.a. Balance Transfer for 12 months from non-HSBC credit cards on application.
Enjoy complimentary membership to the Qantas Frequent Flyer program (valued at $99.50)
Complimentary Insurance package available including International Travel Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme, Transit Accident Insurance and Purchase Protection Insurance. Eligibility criteria and conditions apply.
Up to 55 days interest free on purchases when you pay the full by the due date each month.
Additional Cardholder at no extra cost.
Visa Premium Benefits is your connection to money-can’t-buy experiences, from backstage passes to tickets to gallery openings. It’s a range of special privileges just for you. For more, visit visapremium.com.au
Visa payWave7 for convenient contactless purchases under $100.
Now available with Apple Pay®. Use your compatible Apple® device to tap and pay with an eligible HSBC credit card.
Apple Pay, Android Pay, Google Pay, ]
[Earn 1.00 Qantas Points per $1 up to $5, 000, 0.50 points per $1 after.
24/7 worldwide personal assistance with the Mastercard Concierge Service~
No foreign transaction fees on online and overseas purchases^
Range of complimentary insurance and purchase protection benefits~
Stay in control with alerts and payment reminders set up through your Bankwest mobile app
Activate mobile payments with Android Pay
Use your Mastercard at over 35 million locations worldwide
Up to 3 additional cardholders at no additional cost
Android Pay, Google Pay, ]
[Earn up to 50k Qantas Bonus Points when you spend $3000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time only. New customers only and you must not have opened a Bankwest Qantas Mastercard in the last 24 months. Other fees, T&Cs apply.
Earn 0.75 Qantas Point for every $1 up to $2, 500, 0.30 points per $1 after the first $2, 500 spent on eligible purchases each month.
No points cap.
No foreign transaction fees on online and overseas purchases***
Complimentary Credit Card Travel Insurance for you and your family~
Purchase security cover. 3 months of free insurance against loss, theft or accidental damage on personal goods purchased anywhere in the world.~
Android Pay, Google Pay, ]
[Earn up to 90, 000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black when you spend $5, 000 on eligible purchases in the first 3 months from approval and an additional 40, 000 Qantas Points when you keep your card for over 12 months*
Total Annual Fee is $425
Balance transfer rates is 21.99%
Offer ongoing until further notice
View balances, transfer money and make payments simply and easily with the ANZ App.
Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn 75, 000 bonus Qantas Points on your new ANZ Rewards Platinum credit card. Bonus Qantas Points earned when you spend $2, 500 on eligible purchases in the first 3 months from approval.*
Offer ongoing until further notice.
Up to 55 days interest free credit on purchases.
Interest rate of 20.49% p.a. on purchases and 21.99% p.a. on cash advances.
View balances, transfer money and make payments simply and easily with the ANZ App.
Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn up to 60, 000 bonus Velocity Points (30, 000 Velocity Points each month you spend $1, 500 or more on eligible purchases in the first 2 months from card approval). Plus, enjoy half the annual fee in the first year, and $149 after that
Offer is valid until 15 May 2024
Minimum Credit Limit $6, 000
Apple Pay, Samsung Pay
, ]
[Up to 80K Qantas points (60K points when you spend $3k in 90 days and 20K points after 12 months + Full Annual Fee ($295)
Enjoy a reduced annual card fee (from $295 to $150) for the first year.
Standard Balance Transfer Rate: 0% p.a. for 12 months. 3% BT fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required.
NAB may vary or end this offer at any time.
Access to six complimentary insurances when you make an eligible purchase.
Platinum Concierge Service - your own 24 hour, 7 day personal assistant.
Complimentary Qantas Frequent Flyer membership.
Up to 44 days interest free on purchases.
Minimum credit limit $6, 000
Apple Pay, Google Pay, Samsung Pay, ]
[Earn 120, 000 bonus Qantas Points when you spend $4, 000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval.
0% p.a. for 18 months on balance transfers when requested at card application. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate
Offer ends 30th November 2021. T&Cs apply.
Platinum concierge service.
Complimentary insurance cover.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Receive 80, 000 bonus Amplify Points When you apply for a new Amplify Platinum credit card and spend at least $3, 000 on eligible purchases made with the card within 90 days of card approval.
0% p.a. interest on balance transfers for 15 months when requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after this promotional period. New cards only.
Apply by 28 September 2021.
Enjoy uncapped points earning potential and double points earned on international spend (overseas merchants).
Complimentary insurance covers if you pay for your travel costs with your Amplify Platinum card before you leave Australia, as set out in the policy.
24/7 Concierge.
Add an additional cardholder at no extra cost.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
Pay no annual Card fee for up to 4 Supplementary Cards so you can earn more Qantas Points.
Eligible for use with Google Pay, Apple Pay and Samsung Pay
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Earn 60, 000 bonus Qantas points when you spend $4, 000 or more on eligible purchases† on a new Altitude Platinum credit card within 90 days of new card approval.>
0%p.a. for 18 months on balance transfers requested at card application.
Reduced first year annual card fee of $99 ($175 thereafter)++
Apply between 2nd November 2023 and 30th April 2024.
Platinum concierge service.
Complimentary insurance cover.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Monthly fee $35
Earn up to 120, 000 bonus Qantas Points (90, 000 when $3k spend met within 60 days, 30, 000 in the 13th month)
From 13 September 2024, the annual card fee for the NAB Qantas Rewards Signature Card will be increasing to $420 p.a.
Standard Balance Transfer Rate: 0% p.a. for 12 months. 3% BT Fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required.
NAB may vary or end this offer at any time.
Access to six complimentary insurances when you make an eligible purchase.
Additional cardholder at no extra cost.
Up to 44 days interest free on purchases.
Apple Pay, Google Pay, Samsung Pay, ]
[Earn 150, 000 bonus Qantas Points. Simply apply by 1 October 2024 and spend $6, 000 on eligible purchases on your new American Express® Qantas Business Rewards Card within 3 months of your approval date. Available for new American Express Card Members only.
Save the benefit to your eligible Card by 31/08/2024 and spend online at www.dell.com.au or by
phone on 1800 880 855 to receive your purchase amount back as a credit, up to $100. Valid up to
2 times each year per Card Account, once per redemption period. Exclusions apply.
Complimentary 12-month digital subscription to The Australian Premium.
No fee for up to 99 Employee Cards.2E
Enjoy no pre-set spending limit - Unlike a Credit Card, there isn’t a pre-set spending limit. Your Qantas Business Rewards Charge Card must be paid in full each month and as your spending and repayment patterns evolve, so do your purchase approvals. 3E
Earn up to 2 Qantas Points per $1 spent - You’ll earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend and 0.5 Qantas Points per $1 spent on government spend. 5E
Flexible Payment Option - Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. This allows you to navigate business fluctuations and seize opportunities.6E
2 complimentary domestic Qantas Club lounge passes each year. 7E
Earn TRIPLE points on Qantas flights.21E
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Receive 90, 000 bonus Qantas Points when you apply online by 3 September 2024, are approved, and spend $3, 000 on eligible purchases on your new Card within the first 3 months. Plus, an additional 20, 000 bonus Qantas Points in your second year upon fee renewal. Annual Card fee is $450. T&Cs apply. New Amex Card Members only.
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
[Receive 20, 000 bonus Qantas Points when you apply online, are approved, and spend $3, 000 on your new Card within the first 3 months. Offer available to new Card Members only. Offer subject to change without notice.
Earn 1 Qantas Points per $1 spent on eligible purchases. See Reward Yourself section for more details.
Complimentary domestic and overseas travel insurance.
Eligible for use with Google Pay, Apple Pay and Samsung Pay
Apple Pay, Android Pay, Google Pay, Samsung Pay, ]
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Frequent flyer credit cards give card holders a way to earn points on their everyday spending – provided it is eligible. These cards are usually linked to an airline loyalty program such as the Qantas and Velocity Frequent flyer credit cards.
Many cards also come with introductory bonus points, which could give you enough for a free flight.
You will be able to earn points on most purchases, however you will not earn points for cash advances, balance transfers, and BPAY payments. Once the points are redeemed, you can use them towards flights, flight upgrades, and even accommodation (depending on the provider).
What types of features can frequent flyer cards offer?
Most of the features you can redeem range from complimentary flight vouchers or travel credits to airline lounge passes, complimentary travel insurance, and concierge services.
Are there any traps with a frequent flyer credit card?
Frequent flyer credit cards come with many perks, but you must always keep your eyes open for the hidden traps.
High annual fees:Most frequent flyer credit cards come with an annual fee in the range of $50 and $450. If you aren’t earning a decent amount of points throughout the year, it may not be worth your while to have one of these cards. There are some $0 annual fee frequent flyer cards available, but these don’t usually have the best rates or features attached to them.
Promotional offers and spend requirements:To take advantage of bonus points offers, you usually need to spend a certain amount of money in a set period of time. Always make sure that this fits in with your budget.
Higher interest rates:Frequent flyer credit cards usually have high interest rates, around 19-22%. So they are suited best to people who are able to off their credit card balance in full each month.
How many points can I earn for my spending?
There are two main factors to consider when it comes to earning points with a frequent flyer credit card:
Earn rate:Always find out how many points you earn for each dollar spent. 1 point per $1 is considered competitive, but some can be as low as 0.5 whilst others are higher.
Points tiers and caps:These cards have a tier system and depending on the card, the number of points may vary depending on the purchase. Some cards also cap the number of points you can earn once you reach a certain amount each statement period.
How can I get approved for a frequent flyer credit card?
You need to determine whether or not you meet the eligibility requirements to receive approval for a frequent flyer credit card.
As with most credit cards, they will request things like proof of income, Australian residency status, and credit history details. As these cards are considered premium products, you may need a higher income in order to be approved. Once you have all your documents in order, the bank will assess your details and documents to determine if you’ll be approved or not.
If you don’t always pay off the full balance on your credit card each month, you might want to consider a low rate credit card.
While you will still need to make the minimum monthly repayment, a low rate credit card can help you keep your debt under control by reducing the amount of interest you are charged on your remaining balance. They may not offer fancy rewards or perks, but they are a good option for staying on top of your finances.
Here you can compare different low rate credit cards from various banks and credit unions to find the best product for your needs.
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