Qantas Frequent Flyer Credit Cards

Pauline Hatch     

Free flights? Yes please! These Qantas frequent flyer credit cards help you turn everyday spending into upgrades, perks, and more.

Qantas credit cards come in all shapes and sizes, some simple and some stacked, but they all have one thing in common: they earn Qantas Points when you spend on your card. The Qantas Frequent Flyer program is the most popular rewards program in Australia, with global reach. You can use your points not just with Qantas, but with airlines such as Emirates, Qatar Airways, British Airways, American Airlines and more. Here are 3 things to know before you choose a Qantas credit card:
  • Bonus points = big head start. Many cards offer huge sign-up bonuses (think 60,000+ points) when you meet the minimum spend. This can be a great way to fast-track your next trip.
  • Annual fees vary (and so do the perks). Higher-fee cards often come with extras like lounge passes, travel credits or higher earn rates. If you can justify the spend it's worth it if you’re a frequent flyer.
  • Points add up on everyday spend. You don’t need to travel to earn. Groceries, bills, shopping and even streaming services can help you build your balance. And if you're a Woolworths Everyday Rewards Member you can almost double-dip on your points
You can compare Qantas credit cards here, using the visual comparison tool to check out features like the earn rate, annual fee and any bonus points offered. To apply, click 'Go to offer' to be redirected to the Qantas website. Or, click the card name for our full review.
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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.

The Monthly Scoop: April Qantas Update

Updated 11 April 2025 by Pauline Hatch, chief finance expert.

In late March 2025, Qantas inaugurated a new direct service between Darwin and Singapore, adding over 70,000 seats annually. Operating four times weekly with Boeing 737-800 aircraft, this route offers Territorians a convenient one-stop connection to Asia and Europe, notably facilitating faster travel to London.

The schedule is designed to connect seamlessly with Qantas' A380 services between Singapore and London, enhancing international travel options.


Editor’s Pick-of-the-Bunch credit cards for February

  • The Qantas Premier Platinum earns up to 90k bonus Qantas points, plus 0% p.a. interest on balance transfers for 6 months (a 2% fee applies) and up to 20% off flights.
  • Amex’s Ultimate card has one of the highest points per dollar you can earn - 1.25 per $1 on eligible purchases - plus up to 100k Qantas Points, but as a signature card, the annual fee is higher at $450. On the plus side, each year you'll get a $450 Travel Credit.
  • In the low-cost space, the Qantas Premier Everyday has a $99 annual fee and earns up to 0.75 points per $1, plus you could get a neat 8000 bonus Qantas points.
⭐ Did you know? It's 16,000 points to travel return economy from Sydney to Melbourne.
T&Cs apply for all card offers so check our review and the PDS for details.

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.
Now, ready to find your perfect match? Let’s break down how to compare Qantas Frequent Flyer credit cards, so you can pick one that ticks all the right boxes.

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.

🔥 Hot tip

Don’t get blinded by the bonus points. They’re tempting (and fun!), but always check that the card still stacks up after the honeymoon phase ends. Long-term value > short-term sparkle ✨
Don't forget the usual fine print applies.


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.

Recently Asked Questions

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134 questions (showing the latest 10 Q&As)

Jean

Jean

19 April 2025
Just noticed an an amount going out to Qantas FF Direct of $90 What is this? I have never seen this before
    Pauline - CreditCard.com.au

    Pauline

    22 April 2025
    Hi Jean, some credit cards charge you a fee to earn and convert points to Qantas points and some credit cards don’t but bake that into the annual fee. If you’re keen to compare Qantas Frequent Flyer Credit cards that don’t charge extra fees, you can sort our comparison table by annual fee to see the least expensive cards. Hope that helps Jean!
Kylie Kerr

Kylie Kerr

29 March 2025
We have a qantas Bendigo bank platinum credit card and we have booked flight’s to Bali using this card do we need travel insurance or is covered with our credit card.
Charles

Charles

27 March 2025
I am a FIFO worker at Rio Tinto and I find it difficult to get Qantas frequent flyer number. I was being asked to pay. Can I please get help
    Pauline - CreditCard.com.au

    Pauline

    28 March 2025
    Hi Charles, if you're already a member of the Qantas Frequent Flyer then you'll find your QFF number in your account via the app or the website portal. If you're not a member then there's a few ways to join for free. One of the easiest ways is to join the Woolies Everyday Rewards program.
Murray

Murray

24 February 2025
I need to get a new rewards card how do I go about getting a replacment
    Pauline - CreditCard.com.au

    Pauline

    28 February 2025
    Hi Murray, if your card has expired your credit provider should have sent you a new one. If you’re looking for a new card, you can check our rewards credit cards comparison for more options. Thanks!
R Lambert

R Lambert

17 February 2025
9580 Qantas points is how many Australian dollars towards a Qantas flight
    Pauline - CreditCard.com.au

    Pauline

    18 February 2025
    Hi there, for a rough estimate a one-way trip from Sydney to Melbourne costs around 8,000 Qantas points and $55 dollars in taxes. Qantas have a handy calculator on their site that can help. You can check it out here.
Gordon

Gordon

8 February 2025
I have a Qudos Bank Platinum card, am i better off with a different card to get more points
    Pauline - CreditCard.com.au

    Pauline

    11 February 2025
    Hi Gordon, this will entirely come down to what you need from a credit card. The Qudos card has a pretty good earn rate up to the cap and complementary insurances. If you’re looking for a new card, remember to keep these features in mind when you compare other cards. You could start by comparing Qantas Frequent Flyer Credit Cards or a range of credit cards with complimentary travel insurances. You could create a shortlist of cards you like and then compare them side by side. Hope that gets you on the right direction Gordon!
Simon Cook

Simon Cook

1 February 2025
I have a cba ultimate credit card and wish to join qantas to earn points How do I do it
    Pauline - CreditCard.com.au

    Pauline

    4 February 2025
    Hi Simon, you have to “opt-in” to earn Qantas Points. It might be a setting in the CommBank app or in Netbank itself. You can also give them a call on 13 16 61 to arrange the opt-in process. Thanks!
claire

claire

8 January 2025
hey. i am looking to spend $40,000AUD at a car/caravan dealership, which card/s would be best to consider this, in regards to Qantas Points? I understand all cards have various 'eligible purchase' criteria, and some drop the earn rate for in-person purchases.
    Pauline - CreditCard.com.au

    Pauline

    14 January 2025
    Hi Claire, I’ve actually had a few people write in asking whether or not a car would be considered an “eligible transaction” and it all comes down to how the dealership will process your transaction. To get an idea of credit cards, you could start by comparing the Qantas credit cards on this page and reading my reviews of the ones you’re interested in. Note down any monthly or annual points capping to ensure you’ll get the most points for your spend. It’s also key to keep in mind the consideration of using a high interest rate credit product to buy a depreciating asset and whether the points to value you’ll get work out. Also, I’ve never heard of a provider dropping earn rates for in-person - although some have tiers depending on the merchant. Hope this has helped you out Claire.
Stuart

Stuart

18 November 2024
I have 5,350 qantas points which will soon expire, and my wife has 10,453. We seldom fly. Can we combine them and buy something?
chooi

chooi

17 November 2024
I have fill up my car petrol at BP rewards, I have 323 qantas points, how many days does it take to update my qantas points, it's already one week, it's still not updated. Thanks
    Pauline - CreditCard.com.au

    Pauline

    18 November 2024
    Hi Chooi, you’ll need to contact Qantas directly at 1300 992 700 to discuss your points. Thanks!
Anthony

Anthony

7 November 2024
Hi, Thanks for all of the information, very helpful. Few questions I was hoping you can assist: - if you use the card via PayPal is it the same as using the card direct with a merchant? I.e still get points per spend in the same way? - I've looked at various merchants and the Ave fee to use an Amex is circa 2.15% vs visa/mastercard at 0.85% or they do not accept amex at all. Is it worth the additional surcharge for the points gained and/or the hassle if they don't accept amex? It's my main hesitation looking at an Amex card. - cars with travel insurance included, do they cover the card holder only or does it include close family members travelling together? (An additional card holder) For context, average usage is circa 5k a month. Thanks for your help!
    Pauline - CreditCard.com.au

    Pauline

    12 November 2024
    Hi Anthony! Here are your answers in order: Yes you should earn points as long as your Paypal is linked to your Qantas Money credit card account. This is a tough one because so much depends on the points you earn per $1 and your spending habits. You’d need to calculate how many points you’d earn per month based on your average spend, and then how much you’d pay in fees. Then see what you can redeem the points for. It’s a bit of work, but it does help nail down the value. Qantas Money travel insurance covers the cardholder, spouses and eligible dependents (aged 18 and under, or 24 and under as long as they’re still a student). You can see the terms on the PDS (check page 21 to start). Thanks Anthony!
Susan Rosalie Webber

Susan Rosalie Webber

2 November 2024
have a qantas platinum credit card , do I qualify for overseas travel insurance?
    Pauline - CreditCard.com.au

    Pauline

    6 November 2024
    Hi Susan, to activate the travel insurance you need to meet the eligibility criteria for your trip. For instance, the Qantas Premier insurance PDS says you need to have paid your full return overseas ticket on your card, or your return flight or $500 in accommodation costs for domestic trips. Those aren’t the only criteria, so it’s very important to read the eligibility requirements in the PDS.
Shirley Jones

Shirley Jones

14 September 2024
I am 88 if I book a cruise and flight using my qantas frequent flyer card am I covered for insurance
    Pauline - CreditCard.com.au

    Pauline

    20 September 2024
    Hi Shirley, no I’m afraid not; most credit card insurances max out at 79 or 80. You could look at standalone insurances that offer a more customised plan. I hope you find something that works, and enjoy that cruise!
Bruce

Bruce

4 September 2024
I am a very long term NAB Virgin-linked visa card holder. The card has been fee-free for many years, me being a NAB shareholder then and ongoing, at the time allowable to exempt an annual fee. My local airport no longer has Virgin flights but does have QANTAS. Question - Is the NAB flexible if I wanted to change from Virgin and have a new fee-free QANTAS card with the trade-off I would not want any "bonus" 20,000 or 100,000 points or whatever points offered. So no sign-on points for a fee-free card. My average card card turnover is only say $1500 to $2000 monthly. Thanks!
    Pauline - CreditCard.com.au

    Pauline

    5 September 2024
    Hi Bruce, you would definitely need to apply for a new card and I’m not sure how NAB would go about organising that for a fee-free shareholder, sorry! There are some good NAB Qantas cards out there like the Platinum Rewards Signature and the Rewards Premium that earn Qantas Points. I imagine you’d still have to go through the application process, so make sure you’re eligible. I hope it works out for you!
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