Qantas Credit Cards Explained

Qantas offers a range of credit cards that cater to different needs and preferences. There are several options to choose from, including the Qantas Premier Platinum Card and the Qantas Rewards Card.

The Qantas Premier Platinum Card is a premium card that offers a higher earn rate on Qantas purchases. You can earn up to 1.25 points per dollar spent on Qantas flights, compared to 0.5 points per dollar on the Qantas Rewards Card.

The Qantas Premier Platinum Card also offers a higher sign-up bonus, with 120,000 points available for new cardholders. This can be a great way to boost your points balance and start earning rewards sooner.

To be eligible for the Qantas Premier Platinum Card, you'll typically need to have a good credit history and meet certain income requirements.

The Qantas American Express Discovery Card has a $0 annual fee, making it a cost-effective option for budget-conscious travellers.

This card doesn't offer any bonus points on sign-up, but its no annual fee makes it a great choice for those who want to earn points without breaking the bank.

Only two Qantas credit cards have a $0 annual fee, according to our analysis of the best frequent flyer credit cards on the market.

The American Express Velocity Escape Card is another example of a Qantas credit card with no annual fee, connected to the membership rewards program of Virgin Australia.

It's uncommon for frequent flyer credit cards to offer no annual fee, due to the many perks they provide.

Qantas credit cards are a type of rewards points credit card where the points come in the form of Qantas Frequent Flyer points. There are more than 50 Qantas Frequent Flyer credit cards to choose from, offered by almost all major Australian credit card providers.

Most Qantas credit cards come with free entry into the Qantas Frequent Flyer program for newcomers. However, there is a fee to enrol into the program if you're not a new cardholder.

To earn points with a Qantas credit card, you need to be a member of an airline's reward program. You can redeem your points for a variety of rewards, not just travel-related ones.

Frequent flyer credit cards are essentially rewards credit cards with perks tailored to cardholders who travel frequently. They allow you to earn points on eligible purchases and redeem them with the airline frequent flyer program linked to the card.

To get the most out of your frequent flyer credit card, look for cards with high point earn rates and consider bonus sign up points. Match your card to your travel and spending habits to maximize your rewards.

Here are some common perks you can use your frequent flyer points on:

Frequent flyer credit cards often include additional perks, such as airport lounge access, complimentary travel insurance, and car rental insurance. However, the features and perks will vary between card issuers, so be sure to check what's included when comparing cards.

If you're considering a Qantas credit card, be aware that annual fees can vary significantly.

The annual fee for a Qantas credit card can range from $119.00 for the first year.

Expect annual fees to be higher than average, especially for cards with rewards points or complimentary benefits.

Some Qantas Frequent Flyer cards have a low or even no annual fee, so it's worth shopping around to find the best option for your needs.

Redeeming Qantas Points for merchandise, gift cards, or movie tickets typically yields a lower value return compared to using a standard rewards points credit card.

You can earn 1.25 Qantas Points per dollar spent on eligible purchases with no cap using the Qantas American Express Ultimate Credit Card or the Qantas Premier Titanium Credit Card.

Award flights and seat upgrades are usually the best redemption options, offering a higher value per Qantas Point, especially for long-haul flights and Business or First Class seats.

Here are some key redemption options:

The Qantas online store offers over 1,000 choices for reward redemption, including vouchers to spend with Qantas' partners.

When redeeming Qantas points, you have a vast array of options to choose from. One of the most cost-effective options is redeeming points for award flights, which can be used on Qantas-operated flights, as well as flights with its 14 partner airlines, including Jetstar and QantasLink.

You can also redeem points for seat upgrades, which can be a great way to experience Business or First Class on long-haul flights. These options often deliver a higher value per Qantas Point than short-haul Economy flights.

In addition to flights and seat upgrades, you can also redeem points for various goods and services, including vouchers for travel, accommodation, and car hire. Qantas has over 1,000 choices for reward redemption in its online store.

Some examples of goods and services you can redeem points for include:

The Velocity Business - 170,000 Points offer is a great way to boost your points balance. For example, the Qantas American Express Ultimate Credit Card earns 1.25 Qantas Points per dollar spent on eligible purchases with no cap, which can help you accumulate a significant amount of points over time.

This can be especially useful if you're trying to reach the 170,000 points threshold for a redemption. The Qantas Premier Titanium Credit Card also has a high earn rate at 1.25 Qantas Points per dollar spent, but be aware that it has a monthly cap on how many points can be earned.

Having a high earn rate on your credit card can make a big difference in your points balance. By choosing a card with a high earn rate and using it for your daily purchases, you can quickly accumulate the points you need for a redemption.

Qantas credit cards offer a range of benefits and perks that can enhance your travel experience. You can get access to airport lounges with certain cards, allowing you to relax and unwind before your flight.

Airport lounge passes are a great benefit, especially if you're a frequent flyer. Platinum and Black Qantas credit cards often come with several passes giving cardholders access to Qantas Club lounges around Australia and airport lounges at international airports.

Complimentary travel insurance is another valuable benefit, covering you and possibly your family and friends on bookings paid for with the card. This can provide peace of mind and financial protection in case of unexpected events.

Some Qantas credit cards reward cardholders with Status Credits, making it easier to attain a higher tier of Qantas Frequent Flyer membership. This can lead to more rewards and benefits, such as extra airport lounge access and priority check-in.

You can get free membership to the Qantas Frequent Flyer program when you apply for a Qantas credit card and are approved. This is a great way to start earning points and enjoying the benefits of Qantas Frequent Flyer membership.

Here are some of the benefits you can expect with a Qantas credit card:

When comparing Qantas credit cards, it's easy to get caught up in the points earning rate, but don't forget to consider the value of complimentary benefits. Many cards come with free perks worth hundreds of dollars, so be sure to factor those in.

Some Qantas credit cards come with travel perks like travel credit vouchers, free flights, access to business lounges, and complimentary travel insurance, which can be a huge advantage if you travel frequently. These perks can add up quickly and make a card worth considering.

To determine if a Qantas credit card is worth it, calculate how many points you'll earn in a year based on your annual spending. Multiply your annual spending by the Qantas Points earning rate per dollar on the card you're considering. If you value each Qantas Point at 1.0 cent, you'll be able to decide if the annual fee is justified.

Here's a simple formula to help you evaluate:

Keep in mind that the card with the highest Qantas Points earning rate may not be the best one for you, especially if you don't spend enough to justify the annual fee.

When comparing credit cards, it's essential to consider the value of complimentary benefits. Many Qantas credit cards come with free benefits and perks worth hundreds of dollars if used.

To compare Qantas Frequent Flyer Credit Cards, look at how many Qantas points you earn per spend. This is a crucial factor in determining which card is right for you.

Consider the bonus points on sign-up, as this can give you a head start in earning points. Bonus points can be a significant advantage, especially if you're a frequent traveler.

Travel perks are also an important factor to consider. Some cards offer travel credit vouchers, free flights, access to business lounges, and complimentary travel insurance. These benefits can save you money and make your travels more enjoyable.

Don't forget to factor in the cost of the card, including the annual fee. This can range from hundreds to thousands of dollars per year.

You'll also want to consider the interest rate and interest-free period. This can help you avoid paying interest on your purchases and save money in the long run.

Lastly, check the eligibility requirements, including the minimum annual income and credit limit. Make sure you meet the requirements before applying for a card.

Is it worth it to get a Qantas credit card? The answer depends on your individual circumstances, but here are some key factors to consider.

If you spend a lot on your credit card each year, you may be able to earn enough Qantas Points to justify the annual fee. To calculate this, work out how much you spent on your current credit card in the previous year, multiply it by the Qantas Points earning rate per dollar on the card you're considering, and then place a conservative value of 1.0 cents on each Qantas Point.

You can earn Qantas Points on everyday purchases with a Qantas credit card, but not repaying the balance in full each month quickly devalues any points earned. This is because interest rates on rewards cards can be steep.

According to Steve Hui, founder of IFLYFLAT, Qantas points are the easiest to earn within Australia since they have lots of partners. This means you can double-dip on points by earning them on your credit card and then earning them again on transactions with Qantas retail partners.

Some Qantas credit cards offer bonus points when you pay for Qantas services, such as flights, hotel, and wine. You can also use Qantas points to redeem for a number of things, including flights on Qantas and their partner airlines.

However, consider the potential downsides of a Qantas credit card. Some cards have monthly point caps or earning tiers, where you earn fewer points after a certain spend limit. Others may not issue points after a certain monthly spend or annual spending limit.

To make the most of a Qantas credit card, redeem your points for business or first-class flights on Qantas or one of their partner airlines. This can provide a significant return on your points.

Redeeming Qantas Points for business class flights can be a great option, especially if you're loyal to Qantas or their partner airlines. If you repay your balance in full each month, you can maximize the value of your points.

Redeeming points for business class flights can also help you upgrade your travel experience. However, not repaying your balance in full each month will quickly devalue any Qantas Points earned.

To make the most of a Qantas Frequent Flyer credit card, focus on redeeming your points for high-value redemptions like business and first class flights.

If you're in the market for a Qantas credit card, there are several options to consider.

The Westpac Altitude Qantas Black card offers a high bonus points offer of up to 150,000 points, but comes with a high annual fee of $370. You can earn 0.75 Qantas points per $1 spent, up to a capped limit of $250,000 per year.

The Bank of Melbourne Amplify Platinum Credit Card (Qantas) offers a more modest bonus points offer of 50,000 points, but with a lower annual fee. You can earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.

Here are some key features of these cards:

The Bendigo Bank Qantas Platinum Credit Card offers a more affordable option with an annual fee of $0 (not specified), but with a lower bonus points offer. You can earn 0.6 Qantas Points for every $1 spent.

Ultimately, the best card for you will depend on your individual needs and spending habits.

The Westpac Altitude Qantas Black card is a top-tier offering for Qantas points enthusiasts, with a generous bonus points offer of up to 150,000 points. New cardholders receive 100,000 rewards points in year one if they spend $6,000 on eligible purchases within four months of new card approval, plus an extra 50,000 points after their first eligible purchase in the second year.

Cardholders can earn 0.75 Qantas points per $1 spent, up to a capped limit of $250,000 per year. This is a higher points-to-spend ratio compared to some other cards, such as the ANZ Frequent Flyer Platinum Card, which offers 0.75 points for every $1 up to and including $3,000, but only 0.5 points for every $1 over $3,000.

One of the standout features of the Westpac Altitude Qantas Black card is its complimentary travel insurance, which covers international travel for up to six months. This is a valuable benefit for frequent travelers, especially when compared to the NAB Qantas Rewards Premium card, which only offers domestic travel insurance.

Cardholders also receive two complimentary Qantas Club airport lounge passes each year, making it easier to enjoy a more comfortable travel experience. The minimum income requirement for this card is $75,000, which is higher than some other cards, such as the ANZ Frequent Flyer Platinum Card, which has no minimum income requirement.

Here's a summary of the Westpac Altitude Qantas Black card's key features:

The Bendigo Bank Qantas Platinum Credit Card is a great option for those who want to earn Qantas Points on their everyday purchases. You can earn 0.6 Qantas Points for every $1 spent.

One of the standout features of this card is the inclusion of International Travel Insurance, which covers you for up to 3 months. This can provide peace of mind when traveling abroad.

You can also get a FREE Qantas Frequent Flyer membership, saving you $99.50. This is a fantastic perk for anyone who loves flying Qantas.

The card also comes with an extended warranty for eligible purchases and 90-day purchase protection for items stolen or accidentally damaged. This can provide extra security when making large purchases.

Here are some key benefits of the Bendigo Bank Qantas Platinum Credit Card:

It's worth noting that there is no introductory balance transfer offer or purchase rate offer. Additionally, the 20,000 cap on reward earnings per statement period may limit your earning potential.

The NAB Signature card is a great option for those who want to earn Qantas Points on their everyday purchases. You can earn up to 120,000 bonus points, including 90,000 points when you spend $3,000 within the first 60 days and an additional 30,000 points when you keep your card for over a year.

The card has a reduced first-year annual fee of just $320 p.a., which is a saving of $100 compared to the regular fee. This can be a great incentive for those who want to try out the card without committing to the full annual fee.

You can earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period, and 0.5 Qantas Points per $1 spent thereafter, capped at $20,000. This means you can earn a decent amount of points on your regular purchases, but it's worth noting that the points earning is capped at $20,000 per statement period.

The card also comes with a range of travel and insurance benefits, including complimentary insurance for domestic, interstate, and international travel, as well as purchase protection and extended warranty insurance. These benefits can provide added peace of mind when making purchases or traveling.

Here are some key benefits of the NAB Signature card:

Overall, the NAB Signature card is a solid option for those who want to earn Qantas Points on their everyday purchases and enjoy some travel and insurance benefits.