How much are Qantas Points worth?

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. As of April 2025, the HSBC Premier World MasterCard - Qantas Frequent Flyer and the HSBC Platinum Qantas Credit Card have the highest direct earn rate for Qantas Points in Australia at 1.5 points per $1 on everyday purchases. The HSBC card only offers that rate for the first year, however.

How long does it take to get Qantas Points from a credit card?

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.

Does credit card churning still work?

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.

What's the biggest bonus Qantas Points offer on the market?

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.

How much would I have to spend to get a free flight?

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.

Do Qantas Points expire?

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.

Are there Qantas credit cards with no annual fee?

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.

Best Qantas credit cards in Australia April 2025

1 - 3 of 40

Product	Finder Score	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Qantas American Express Ultimate Card Finder AwardQantas Frequent Flyer	Finder score 9.3 Excellent	Bonus points 50,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	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.	Go to site More info Compare	loading Fetching your data...
American Express Qantas Business Rewards Card Finder AwardQantas Business Rewards	Finder score 9.9 Excellent	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $225 first year ($450 after)	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.	Go to site More info Compare	loading Fetching your data...
Westpac Altitude Qantas Black Qantas Frequent Flyer	Finder score 9.4 Excellent	Bonus points 120,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $370	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).	Go to site More info Compare	loading Fetching your data...

The best Qantas credit cards in April 2025

Best overall Qantas credit card: Qantas American Express Ultimate Card (Finder Score: 9.29)
Best Qantas card for bonus points: Qantas Premier Titanium (Finder Score: 9.57)
Best Qantas business credit card: American Express Qantas Business Rewards Card (Finder Score: 9.9)
Best Big Four bank Qantas credit card: ANZ Frequent Flyer Black (Finder Score: 9.75)

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

Go to site

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.

This card has a Finder Score of 9.29 in the frequent flyer category.

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

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

Read review

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 9.57 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

Go to site

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

Read review

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 9.75 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."

Thomas Stelzer

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.

Tier	Points per $1	Annual fee	Common perks & features	Example cards
Standard	0.5-1	$0-$99	Purchase insurance, modest bonus points offer	Qantas American Express Discovery Card Qantas Premier Everyday
Platinum	0.5-1.5	$149-$399	Bonus points on sign-up, overseas travel insurance, lounge access	HSBC Platinum Qantas Card Westpac Altitude Qantas Platinum
Black	0.66-2	$250-$499	Large bonus points offer, travel credits, lounge access, overseas travel insurance	ANZ Frequent Flyer Black Westpac Altitude Qantas Black
Premium	1.25-2+	$500+	Status credits, extra-large bonus points offer, travel credits, lounge access, flight discounts, hotel perks, overseas travel insurance	Qantas Premier Titanium American Express Platinum Card (Qantas Point transfers)

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."

Angus Kidman

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:

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) 10%
Lounge pass Access to airport lounges Complimentary annual passes receive full score 10%
Foreign exchange fee Fee on overseas transactions Lower fees receive higher scores (0% fee scores highest) 5%
Earn rate cap Maximum points earned in a billing cycle before a lower earn rate applies Higher caps or no cap receive higher scores (up to 10,000 points max) 5%
First-year fee Fee charged for the first year of card ownership Lower fees receive higher scores ($0 fee scores highest) 15%
Ongoing annual fee Fee charged from the second year onwards Lower fees receive higher scores ($0 fee scores highest) 10%

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)	10%
Lounge pass	Access to airport lounges	Complimentary annual passes receive full score	10%
Foreign exchange fee	Fee on overseas transactions	Lower fees receive higher scores (0% fee scores highest)	5%
Earn rate cap	Maximum points earned in a billing cycle before a lower earn rate applies	Higher caps or no cap receive higher scores (up to 10,000 points max)	5%
First-year fee	Fee charged for the first year of card ownership	Lower fees receive higher scores ($0 fee scores highest)	15%
Ongoing annual fee	Fee charged from the second year onwards	Lower fees receive higher scores ($0 fee scores highest)	10%

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.
As of April 2025, the HSBC Premier World MasterCard - Qantas Frequent Flyer and the HSBC Platinum Qantas Credit Card have the highest direct earn rate for Qantas Points in Australia at 1.5 points per $1 on everyday purchases. The HSBC card only offers that rate for the first year, however.
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.
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.

Thank you for your feedback!

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

Written by

Sarah Megginson

Personal finance expert + media spokesperson

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 200 Finder guides across topics including:

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Co-written by

Angus Kidman

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 210 Finder guides across topics including:

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250 Responses

PiotrJune 19, 2017

Please advise which card will give me maximum Qantas or velocity points for payment to Australian Government eh ATO , DIBP?

LiezlJune 19, 2017

Hi Piotr,

Whilst we can’t recommend a particular card or company, you can check our comparison of credit cards which let you earn points for making payments to the ATO.

WayneApril 24, 2017

And what are the suitable purchases they ask you to spend the 1500 on?

LiezlApril 25, 2017

Hi Wayne,

Points are earned on eligible transactions which include most purchases of goods and everyday transactions. However, the range of “eligible transactions” that earn points can vary between providers. Moreover, these transactions commonly exclude cash advances, credit card repayments or fees, balance transfers, and government charges.

You can find on this page list of transactions categorised as eligible or ineligible purchases by different issuers.

WayneApril 24, 2017

I have a CBA amex and mastercard as part of a program which I already pay 320per annum for gives me reduced loan interest. Am I eligible to apply for an Qantas Amex get the 70kpoints.

Finder

HaroldApril 25, 2017Finder

Hi Wayne,

Bonus points are generally only available to new cardholders, so you may be unable to take advantage of the offer if you already have a credit card with the bank offering the extra points.

GlennMarch 14, 2017

I want card with Qantas points and insurance withQBE. Not interested in AMEX. Earn 60k

Finder

MayMarch 14, 2017Finder

Hi Glenn,

The credit cards that let you earn Qantas points are actually listed above. As for the travel insurance, I’m afraid that the cards with this benefit are not sorted according to the insurance providers. But if this interests you, please check the featured credit cards with travel insurance on our website.

AnthonyMarch 7, 2017

Can you use one credit card for the offer and then use another type of card for the similar kind of offer?

For example: If I use the ANZ offer and then use the HSBC offer for the points from that as well?

Finder

MayMarch 9, 2017Finder

Hi Anthony,

Yes, you can so long that when you apply for those cards, you meet the all the requirements and eligibility criteria. You may contact the bank directly if you wish to discuss your chances of approval.

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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.

The best Qantas credit cards in April 2025

Best overall Qantas credit card: Qantas American Express Ultimate Card

Qantas American Express Ultimate Card

Why we like it

Pros & cons

Best Qantas card for bonus points: Qantas Premier Titanium

Qantas Premier Titanium

Why we like it

Pros & cons

Best Qantas business credit card: American Express Qantas Business Rewards Card

American Express Qantas Business Rewards Card

Why we like it

Pros & cons

Best Big Four bank Qantas credit card: ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

Why we like it

Pros & cons

What is a Qantas frequent flyer credit card?

How to earn Qantas Points with your credit card

Types of Qantas credit cards

How choose the best Qantas credit card for you

How to get the most from a Qantas credit card

Finder Scores for Qantas credit cards explained

How does the Finder Qantas Frequent Flyer Score work?

Frequent flyer credit cards - score weightings

Frequently asked questions about Qantas credit cards

How much are Qantas Points worth?

How long does it take to get Qantas Points from a credit card?

Does credit card churning still work?

What's the biggest bonus Qantas Points offer on the market?

How much would I have to spend to get a free flight?

Do Qantas Points expire?

Are there Qantas credit cards with no annual fee?

Sarah Megginson

Angus Kidman

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250 Responses

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