We've scored 35+ Qantas credit cards to help you find the right card, score more bonus points and start booking free flights sooner.
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These cards are your ticket to sky-high point earning potential, hefty welcome bonuses, solid ongoing earn rates, and a premium selection of travel-centric perks.
7+
Great
These cards might have slightly less impressive points earning or sign-up bonuses.
5+
Standard
Reliable workhorses for frequent flyers who want a well-balanced card. Enjoy decent point earning potential, competitive rates, and a good mix of practical perks.
0+
Basic
The entry point in the frequent flyer market. Their sign-up bonuses and ongoing earn rates might not be as generous.
The Qantas American Express Ultimate Card is a points-earning machine. You get a stack of bonus points if you spend enough in the first few months, and it has one of the highest earn rates on the market. It has some great travel perks too, like 2 complimentary lounge passes and travel insurance.
While there is a higher than average annual fee, it's entirely offset by the annual travel credit. The only thing you really need to watch out for is the 3% currency conversion fee if you're travelling overseas.
Pros & cons
50,000 bonus Qantas Points
Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped
$450 Qantas Travel Credit each year
2 complimentary Qantas Club lounge invitations each year
Complimentary travel insurance
Finder Score of 9.75 in the frequent flyer category
High $450 annual fee
High 23.99% p.a. interest rate for purchases
3% foreign currency conversion fee
Only offers up to 44 days interest-free on purchases (many cards offer 55 days)
Best Qantas card for bonus points: Qantas Premier Titanium
The Qantas Premier Titanium offers a truly gigantic amount of bonus points in exchange for a very high annual fee. This is not a card for budget travel junkies. This is not even a card for the casual but comfortable traveller. This is a card for serious spenders who want to take full advantage of the card's perks and benefits.
This card has a Finder Score of 9.61 in the frequent flyer category.
Pros & cons
150,000 bonus Qantas Points offer
20% bonus Status Credits on eligible Qantas flights
10% off the base rate of eligible Qantas flights for up to 2 travellers twice per year
Two complimentary single-entry lounge invitations to Qantas First Lounges
$1,200 annual fee
3% international transaction fee when you shop overseas or online with a business based overseas
Best Qantas business credit card: American Express Qantas Business Rewards Card
The American Express Qantas Business Rewards Card is a frequent flyer-oriented business card. It offers a very good combination of bonus Qantas Points, complimentary travel insurance and a high earn rate. But the annual fee is on the steeper side at $450.
This card has a Finder Score of 9.9 in the frequent flyer category.
Pros & cons
150,000 bonus Qantas Points
Half annual fee of $225 in the first year
Flexible spending power and up to 51 days cash flow
Complimentary travel insurance
2 complimentary domestic Qantas Club lounge passes per card membership year
The standard $450 annual fee is relatively high
3% foreign currency conversion fee
Best Big Four bank Qantas credit card: ANZ Frequent Flyer Black
This card has a higher than average annual fee. So it's a card for bigger spenders. But the points you can earn are enormous. This card has one of the biggest bonus points offers around, with most of the points coming after 3 months and the rest coming if you keep the card for 12 months.
While the earn rate for Qantas Points is capped, it's a very high cap. This card has a Finder Score of 9.76 in the frequent flyer category.
Pros & cons
Up to 130,000 bonus Qantas Points and $200 back
2 complimentary Qantas Club Lounge invitations per year
1 Qantas Point per $1 spent up to $7,500 per statement period, then 0.5 Qantas Points / $1 spent
Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
You need to keep the card over 12 months to collect all the bonus points offered
The standard annual fee of $425 p.a. is high.
When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
What is a Qantas frequent flyer credit card?
A Qantas frequently credit card lets you earn Qantas Points through the Qantas Frequent Flyer program.
There are two main types:
A Qantas Money credit card. This is Qantas' own money brand, though the cards themselves are issued through other banks.
A Qantas-partnered credit card from a bank or credit card company. All the Big 4 banks and card companies offer cards which can earn Qantas Points.
How to earn Qantas Points with your credit card
You earn Qantas Points with your credit card by:
Spending. A Qantas card will let you earn Qantas Points when you spend using the card for eligible purchases. Earn rates range from half a point per dollar spent up to 1 point per dollar spent or more. Typically eligible purchases excludes cash advances, balance transfers and BPAY payments. That means payments for tax, mortgages and rent don't earn points (even assuming your card allows them, which many don't).
Bonus sign-up offers. The best Qantas cards have major sign-up bonuses. Typically these require you to spend a fixed amount in the first few months of card ownership. Some cards will also offer bonuses if you sign up for a second year.
Converting your existing bank reward points into Qantas Points. Check the fine print on your rewards credit card to see if it lets you do this.
"I recently took out the Qantas American Express Ultimate Card as I was planning a trip to the US. With the bonus points we earned we were able to book accommodation in the US and Europe, which probably saved us close to $2,000. While flight upgrades are technically better value in terms of using points, we travel quite a bit and so it made sense to use the points towards accommodation instead of flight upgrades. The one downside to the card is that it's not the best and for use when travelling as all transactions incur a currency conversion fee. I've never really used it overseas and instead use my Up debit card, which has zero currency conversion fees."
There are also Qantas business cards. These cards offer stacks of points and high earn rates. But the annual fees are higher and you'll need an ABN, plus a minimum amount of annual revenue to qualify.
Our expert says
"Qantas is my favourite frequent flyer scheme because there are so many ways to redeem your points for flights, including really good value domestic options. You can boost earning on your Qantas card further by shopping at Woolworths and converting your Everyday Rewards into Qantas Points. If you convert your Qantas Points to flights, that's much better value that just getting $10 off vouchers at Woolworths."
The bottom line - the best Qantas credit card is the one you can afford. The more points and perks the better, obviously. But you have to balance this against the annual fee cost and the spend requirements to get the bonus points.
Here's how you do it:
Look at the bonus points offer. A really good credit card should come with 50,000 bonus Qantas Points or more. Just make sure you can meet the spending conditions to get the points.
Compare the earn rate. As a general guide, 1 Qantas Point per $1 is usually seen as a good earn rate.
Factor in the annual fee. Let's say your card has a $350 annual fee. That's quite high for a credit card. But if the points you earn in a year pay for a couple of domestic reward flights you've already earned back the value of the fee.
Compare purchase rates. Qantas credit cards have higher interest rates on purchases. This can make these cards expensive if you don't pay the card off on time. If you struggle to pay off your balance, a frequent flyer points card isn't a wise choice
Don't forget about eligibility. Many credit cards have minimum incomes and other requirements. Because Qantas credit card fees and interest rates are higher than average, you usually need to have at least a good credit score.
How to get the most from a Qantas credit card
Earn your bonus. Make sure you meet the conditions to get the bonus points. Use the card when you spend to earn points on eligible purchases.
Use the points for flights. You can use Qantas Points on shopping, rewards flights or upgrades. You get the most value out of your points booking reward flights or upgrades.
Pay the card off in full. Don't get stuck carrying a balance on your Qantas card. The high interest rate will really start to hurt you.
Review your card after 12 months. You have to pay the annual card fee every year. Before you do, review the card. Are you taking full advantage of the card? Is there a better offer out there?
Finder Scores for Qantas credit cards explained
9+ Excellent - These Qantas credit cards offer big points bonuses, high earn rates and premium perks.
7+ Great - These cards might have slightly less impressive points earning or sign-up bonuses than the absolute best Qantas credit cards on the market.
5+ Satisfactory - These are slolid but unspectacular cards for frequent flyers.
Less than 5 - Basic - Entry-level cards with sign-up bonuses and ongoing earn rates that are lower than average.
More about Finder Score
The Finder Score is an easy way you can figure out which Qantas credit cards really offer first class value.
Here's how the score works:
We analyse credit cards that let you earn Qantas Points and assess 8 features, giving a score for each one.
Then we combine these scores using a weighted methodology (because some features are more important than others).
This gives us a final score out of 10: the Finder Score.
In the Qantas frequent flyer category we only consider credit cards that:
Link to the Qantas Frequent Flyer program.
Let you earn points directly based on spending.
Are available to general consumers.
Scores are category-specific. One card might get a 10 in the Qantas Frequent Flyer category but only a 7 in the balance transfer category.
The Finder Score methodology is designed by our insights and editorial team. Commercial partners carry no weight and all products are reviewed objectively.
Feature
Definition
Assessment
Weight
Earn rate
Points earned for every dollar spent on eligible purchases
Points awarded per dollar (up to 1.5)
28%
Sign-up points
Bonus points earned for signing up and meeting spending requirements
Total bonus points offered (up to 200,000)
25%
Purchase rate
Interest rate on new purchases
Lower rates receive higher scores (up to 23.99% max)
Frequently asked questions about Qantas credit cards
Each month, we analyse the current value of Qantas Points. Bottom line: a single Qantas Point is worth anywhere from 0.5 cents to 8 cents. The best-value attainable option for most folks is a rewards flight, which will be worth between 1 cent and 2 cents. The higher-value options such as upgrades are great, but they're very hard to get if you're not a Qantas Gold or Platinum flyer.
The points you earn on a Qantas credit card are usually added to your Qantas Frequent Flyer account each month, around the time you get your credit card statement.
If you've earned bonus Qantas Points, these will usually be added to your frequent flyer account within 8 to 12 weeks of meeting a spend requirement.
Some dedicated Qantas Points chasers will choose a card based on the bonus points offer, keep it for a while and then look for another sign-up offer.
This strategy is known as credit card churning. You can potentially get lots of points doing this but it's getting harder to do and has some risks:
Having multiple cards limits your chances of getting new ones approved.
Too many applications in a short time can hurt your credit score.
If you carry a balance on any card, you'll have to pay interest – not to mention all the annual fees.
Many credit card companies limit bonus points offers to new customers only.
The Qantas Premier Titanium Credit Card currently has one of the biggest bonus Qantas Points offers in Australia, with 150,000 bonus Qantas Points when you spend $5,000 in the first 3 months of approval as a new cardholder. It's also one of the most exclusive frequent flyer credit cards on the market, with a minimum income requirement of $200,000 and a $1,200 annual fee.
If you meet the criteria for the bonus points, once they are credited to your account, you can cancel your credit card at any time. Just remember that you'll need to pay off the account balance before you cancel it.
It depends on your earn rate and spending. You need at least 8,000 Qantas Points for a Classic Flight Reward, which would mean spending at least $8,000 on a card that earned 1 point per $1. On a card that earned 0.5 points per $1, you'd need to spend at least $16,000.
Qantas Points only expire if you do not earn or spend Qantas Points for 18 consecutive months. This means paying with a Qantas credit card is one way to avoid points expiring, because you'll earn Qantas Points per $1 spent. Check out Finder's guide to points expiry for more information and how you can avoid having your points expire.
As of April 2025, the Qantas American Express Discovery Card, the BankVic Qantas Visa Card and the HSBC Premier World MasterCard - Qantas Frequent Flyer all have ongoing $0 annual fees.
With over 20 years of experience in property, finance and investment journalism, Sarah is a trusted expert whose insights regularly appear across television, radio, and print media, including Sunrise, ABC News, and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker, and her expert advice has been shared over 2,500 times in 2023-2024 alone. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards. See full bio
Sarah's expertise
Sarah has written 199 Finder guides across topics including:
Angus Kidman is Finder’s International Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio
Angus's expertise
Angus has written 209 Finder guides across topics including:
I have a David Jones AMEX and am thinking of applying for the Qantas ultimate AMEX. Will I be eligible for the sign on bonus points? I’m happy to give up my DJ’s card as hardly use it if required to qualify re new card.
Finder
RenchSeptember 5, 2017Finder
Hi Jono,
I’m afraid you would not be eligible for the bonus points. This offer is only available to new card members, as well as bank-issued American Express companion cardholders.
To be seen as a new card member, you must not have held a credit card issued by Amex in the preceding 18 months. The David Jones is issued by Amex, you would not be eligible for the bonus points.
SteveJuly 28, 2017
How long does it take to have Frequent Flyer points accredited to your Qantas account? I have had my ANZ FF Black card for nearly six months and haven’t yet seen the points? I met all the criteria but no points yet.
Finder
RenchJuly 29, 2017Finder
Hi Steve,
Points are awarded for eligible purchases only. Eligible purchases do not include a number of transactions, like cash withdrawals from an ATM, paying some bills and paying credit card and government fees and charges. Refer to the terms and conditions for a full list of transactions that ineligible to earn Qantas Points.
You should be able to receive points every after an eligible purchase. Please contact ANZ directly to check your account
IanJuly 11, 2017
I am the principal card holder of Westpac Altitude Black and Visa Qantas Platinum cards. My wife is a supplementary card holder. Should I pre decease her, will she be able to use the points being held in those accounts?
JonathanJuly 13, 2017
Hello Ian!
Under Qantas Terms and Conditions Effective February 24, 2017 Section 8. Suspension or Termination of Membership:
8.3 Membership will terminate automatically on the death of a Member. Qantas Points earned but not yet redeemed or transferred prior to the death of the Member will be cancelled. Qantas Loyalty will close the Member’s account on notification of the Member’s death. Qantas Loyalty will not be liable for any loss or damage whatsoever suffered by any person as a result of such cancellation.
IanJune 29, 2017
I have about 300,000 QFF points accrued. As I am a bit older, unsure if able to travel much, can these points be “refunded” to me?
Finder
MayJune 30, 2017Finder
Hi Ian,
The Qantas points have no monetary value, so they cannot be refunded. If you’re not a frequent traveler, you may still use your points to redeem for a wide variety of items including hotel accommodation, shopping at Qantas store, or paying for health and travel insurance policies underwritten by the QBE Insurance Corporation, etc.
DanielJune 28, 2017
Hello,
Can you use your accumulated points on your card, without paying for your flight or holiday with the card?
JonathanJune 28, 2017
Hi Daniel!
You can use your points to many Qantas Rewards even without your card. This is the statement about Flight and Hotels from Qantas webpage respectively:
“As one of our most popular reward options, you can use your Qantas Points for one way, return or multi-destination Classic Flight Reward or choose a Points Plus Pay – Flight. And if you fancy a little more luxury, you can also use your points for Classic Upgrade Rewards^^ to one of our premium cabins. Or, on select flights you could be eligible for Bid Now Upgrades using a combination of points and money.”
“From local B&Bs to luxury overseas resorts, choose from over 200,000 accommodation options worldwide and book using your Qantas Points. Plus exclusive Frequent Flyer offers make it even more tempting.”
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I have a David Jones AMEX and am thinking of applying for the Qantas ultimate AMEX. Will I be eligible for the sign on bonus points? I’m happy to give up my DJ’s card as hardly use it if required to qualify re new card.
Hi Jono,
I’m afraid you would not be eligible for the bonus points. This offer is only available to new card members, as well as bank-issued American Express companion cardholders.
To be seen as a new card member, you must not have held a credit card issued by Amex in the preceding 18 months. The David Jones is issued by Amex, you would not be eligible for the bonus points.
How long does it take to have Frequent Flyer points accredited to your Qantas account? I have had my ANZ FF Black card for nearly six months and haven’t yet seen the points? I met all the criteria but no points yet.
Hi Steve,
Points are awarded for eligible purchases only. Eligible purchases do not include a number of transactions, like cash withdrawals from an ATM, paying some bills and paying credit card and government fees and charges. Refer to the terms and conditions for a full list of transactions that ineligible to earn Qantas Points.
You should be able to receive points every after an eligible purchase. Please contact ANZ directly to check your account
I am the principal card holder of Westpac Altitude Black and Visa Qantas Platinum cards. My wife is a supplementary card holder. Should I pre decease her, will she be able to use the points being held in those accounts?
Hello Ian!
Under Qantas Terms and Conditions Effective February 24, 2017 Section 8. Suspension or Termination of Membership:
8.3 Membership will terminate automatically on the death of a Member. Qantas Points earned but not yet redeemed or transferred prior to the death of the Member will be cancelled. Qantas Loyalty will close the Member’s account on notification of the Member’s death. Qantas Loyalty will not be liable for any loss or damage whatsoever suffered by any person as a result of such cancellation.
I have about 300,000 QFF points accrued. As I am a bit older, unsure if able to travel much, can these points be “refunded” to me?
Hi Ian,
The Qantas points have no monetary value, so they cannot be refunded. If you’re not a frequent traveler, you may still use your points to redeem for a wide variety of items including hotel accommodation, shopping at Qantas store, or paying for health and travel insurance policies underwritten by the QBE Insurance Corporation, etc.
Hello,
Can you use your accumulated points on your card, without paying for your flight or holiday with the card?
Hi Daniel!
You can use your points to many Qantas Rewards even without your card. This is the statement about Flight and Hotels from Qantas webpage respectively:
“As one of our most popular reward options, you can use your Qantas Points for one way, return or multi-destination Classic Flight Reward or choose a Points Plus Pay – Flight. And if you fancy a little more luxury, you can also use your points for Classic Upgrade Rewards^^ to one of our premium cabins. Or, on select flights you could be eligible for Bid Now Upgrades using a combination of points and money.”
“From local B&Bs to luxury overseas resorts, choose from over 200,000 accommodation options worldwide and book using your Qantas Points. Plus exclusive Frequent Flyer offers make it even more tempting.”