At Finder we do the hard work for you. We've turned hours and hours and hundreds of data points into a simple score out of 10. It's called the Finder Score.
We've scored all our Qantas points-earning credit cards based on the bonus points offer, the earn rate, the perks and benefits, plus card interest rates and fees. The higher a card's the score, the better we think it is for most frequent flyers.
Read our full Finder Score methodology
With so many competitive cards on the market, there isn't one best credit card for earning Qantas Points. But you can find a Qantas credit card that works for you based on your frequent flyer goals.
Some of the most popular features to look for include:
If there are other features you want, add them to your comparison (along with the account costs) to find the Qantas credit card that suits you best.
These are the top scoring Qantas credit cards, based on their Finder Scores.
When comparing Qantas Frequent Flyer credit cards, it’s important to consider the following factors:
These introductory offers can give you thousands of Qantas Points when you get a new card and meet certain requirements. For example, a card might offer 70,000 bonus Qantas Points if you're a new cardholder and spend $3,000 within 3 months of card approval.
These credit cards offer Qantas Points on your everyday spending, which will usually be added to your Qantas Frequent Flyer account once a month. But there are a few different ways this happens, behind the scenes:
Also known as the earn rate, this is how many Qantas Points you'll earn for eligible spending. This usually includes shopping at the supermarket, buying petrol, dining out, paying for holidays and even some bills, although every credit card has different details of what transactions are eligible to earn Qantas Points.
Some cards limit how many points cardholders can earn per $1 spent beyond a spend threshold each statement period.
For example, a card might earn 2 Qantas points per $1 spent up to 6,000 Qantas Points per month and 1 point per $1 for the rest of the month or a maximum of 50,000 Qantas Points in a year.
Frequent flyer credit cards are best suited to people who regularly pay their balance in full each month and avoid interest. This is because these cards usually charge high interest rates, which will quickly outweigh the value of your frequent flyer points.
The cards with the most competitive bonus points offers and features usually have higher annual fees, although some do offer waived annual fees in the first year. A small selection of cards also offer an ongoing $0 annual fee.
Just make sure that the value of the points you're earning and the features you can take advantage of (such as airport lounge passes and flight credits) justify the annual fee.
Cards that offer premium perks such as airport lounge passes, travel insurance, personal concierge services or travel credit usually have higher annual fees compared to cards with fewer features.
Carefully consider if these are extras you’ll use and if they justify the higher card cost.
Since there’s no perfect credit card that will satisfy everyone’s needs, you should consider your own habits and preferences when choosing your card:
Think about how often you pay with a credit card. This will help you decide if you can meet the spend requirements to earn bonus points or whether any points caps will restrict your earning potential.
Looking at your usual monthly credit card spending will also give you an idea of how many points you'll earn, what you could redeem with those points and whether that would outweigh the cost of the card's annual fee.
Let's say you've got a Qantas Frequent Flyer credit card with a $300 annual fee. Based on Finder's Qantas Frequent Flyer Points analysis, you could balance out the card's annual fee by earning 24,000 Qantas Points and redeeming a return economy flight from Sydney to Melbourne. That is a relatively easy flight reward to get and gives you a value of $316 compared to paying for an average Qantas flight.
The amount you'd need to spend on your card would vary depending on the earn rate. As an example:
Bonus point offers are another way to offset the annual fee. And with some cards offering over 80,000 bonus Qantas Points, the value of points could quickly outweigh this cost in the short-term.
Keep in mind that the value of your Qantas Points varies depending on how you redeem them, which can also affect the value you get from your credit card. But the bottom line is that if you don't spend a lot, it will be harder for you to earn enough Qantas Points to justify an annual fee.
Eligible purchases that earn points usually include your everyday spending, such as groceries, petrol, dining and travel bookings. Transactions that won't typically earn Qantas Points include:
Check your credit card's reward program terms and conditions or call your provider to find out exactly what types of transactions won't earn points.
This may be the most important question to ask. There is no incentive or reason to earn Qantas Points with a credit card if you prefer a different airline or frequent flyer program. If that's the case, you can compare other frequent flyer credit cards to find one that will work for you.
When comparing your options, keep your own needs and spending habits in mind so that you aren't swayed by factors that don't matter as much to you. This also helps you pick the right Qantas Frequent Flyer credit card for you.
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