Best Qantas credit cards in Australia April 2025

We've scored 35+ Qantas credit cards to help you find the right card, score more bonus points and start booking free flights sooner.

Name Finder Score Bonus points Points per $ spent Purchase rate p.a. Annual fee
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card image
Finder Award
Qantas Frequent Flyer
Finder score
Bonus points
50,000
Points per $ spent
1.25
Purchase rate p.a.
23.99%
Annual fee
$450
Go to siteMore info
Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Qantas Business Rewards Card
American Express Qantas Business Rewards Card image
Finder Award
Qantas Business Rewards
Finder score
Bonus points
150,000
Points per $ spent
1.25
Purchase rate p.a.
0%
Annual fee
$225 first year ($450 after)
Go to siteMore info
Limited time offer: Earn 150,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a half off annual fee in the first year. ABN holders w/ $75k revenue.
Qantas Premier Titanium
Qantas Premier Titanium image
Qantas Frequent Flyer
Finder score
Bonus points
150,000
Points per $ spent
1.25
Purchase rate p.a.
20.99%
Annual fee
$1,200
Go to siteMore info
Get 150,000 bonus Qantas Points when you spend $5,000 in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black image
Qantas Frequent Flyer
Finder score
Bonus points
120,000
Points per $ spent
0.75
Purchase rate p.a.
20.99%
Annual fee
$370
Go to siteMore info
Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Qantas Premier Everyday
Qantas Premier Everyday image
Qantas Frequent Flyer
Finder score
Bonus points
8,000
Points per $ spent
0.75
Purchase rate p.a.
20.99%
Annual fee
$99
Go to siteMore info
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
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The best Qantas credit cards in April 2025

Best overall Qantas credit card: Qantas American Express Ultimate Card

Qantas American Express Ultimate Card

  • 50,000 bonus Qantas Points
  • $450 Annual fee
  • 23.99% Purchase rate
Ends on 01 July 2025

Why we like it

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

Qantas Premier Titanium

  • 150,000 Bonus Points
  • $1,200 Annual fee
  • 20.99% Purchase rate

Why we like it

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

American Express Qantas Business Rewards Card

  • 150,000 Bonus Qantas Points
  • $225 Annual fee
  • N/A Purchase rate
Ends on 01 July 2025

Why we like it

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

ANZ Frequent Flyer Black

  • Up to 130,000 Bonus Points & $200 back
  • $425 Annual fee
  • 20.99% Purchase rate

Why we like it

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:

  1. 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).
  2. 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.
  3. 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.
Thomas Stelzer's headshot

"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."

Journalist

Types of Qantas credit cards

Everyday, Platinum, Black, Premium, Business Premium: these credit card names aren't helping anyone!

But you can break Qantas cards down into a few groups based on:

  • The points you earn by $1 spent.
  • The annual fee.
  • The perks you get.

The most expensive cards have higher fees, but you earn more points and get more perks.

TierPoints per $1Annual feeCommon perks & featuresExample cards
Standard
0.5-1
$0-$99
Purchase insurance, modest bonus points offer
Platinum
0.5-1.5
$149-$399
Bonus points on sign-up, overseas travel insurance, lounge access
Black
0.66-2
$250-$499
Large bonus points offer, travel credits, lounge access, overseas travel insurance
Premium
1.25-2+
$500+
Status credits, extra-large bonus points offer, travel credits, lounge access, flight discounts, hotel perks, overseas travel insurance

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.

Angus Kidman's headshot
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."

Editor-at-large

How choose the best Qantas credit card for you

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:

  1. 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.
  2. Compare the earn rate. As a general guide, 1 Qantas Point per $1 is usually seen as a good earn rate.
  3. 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.
  4. 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
  5. 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

Frequently asked questions about Qantas credit cards

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To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
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Personal finance expert + media spokesperson

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Co-written by

Editor-at-large

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

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Angus has written 209 Finder guides across topics including:
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250 Responses

    Default Gravatar
    JonoJuly 30, 2017

    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.

      Default GravatarFinder
      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.

    Default Gravatar
    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.

      Default GravatarFinder
      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

    Default Gravatar
    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?

      Default Gravatar
      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.

    Default Gravatar
    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?

      Default GravatarFinder
      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.

    Default Gravatar
    DanielJune 28, 2017

    Hello,

    Can you use your accumulated points on your card, without paying for your flight or holiday with the card?

      Default Gravatar
      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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