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Best Frequent Flyer Credit Cards

Compare the best frequent flyer credit cards in Australia, with up to 150,000 bonus frequent flyer points and high ongoing earn rates available.

Best Frequent Flyer Credit Cards

Compare the best frequent flyer credit cards in Australia, with up to 150,000 bonus frequent flyer points and high ongoing earn rates available.

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Sean Callery Editor Money.com.au
Money.com.au's Senior Finance Writer, Jared Mullane

Frequent flyer credit card guide written by Sean Callery and fact checked by Jared Mullane. Updated 21 May 2025.

Featured frequent flyer offers

Sponsored

 

Citi Premier Card

110,000 bonus Velocity Points

Citi Premier Credit Card

When you spend $8,000 on eligible purchases within 3 months from approval and enrol in Points Autosweep. Offer ends 27 May 2025. T&Cs apply. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

SPECIAL OFFER

American Express Qantas Ultimate Card

Earn 50,000 bonus Qantas Points

American Express Qantas Ultimate Card

When you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. New Amex Card Members only. T&Cs apply*.

SPECIAL OFFER

velocity_plat_au_480x304

60,000 bonus Velocity Points

American Express Velocity Platinum Card

Receive 60,000 bonus Velocity Points when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

Frequent flyer credit card comparison

Compare more than 50 frequent flyer credit cards offers based on points, fees and our expert analysis. Read the Important Disclosures. Read the Important Disclosures.

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Rates updated 23 May 2025

Our picks of the best frequent flyer credit cards right now

To help you choose a frequent flyer card that works for you, our experts trawled through the options and picked what we think are the best cards in different categories. These are our experts' views only and are not product recommendations. Make sure you check the current card details carefully with the provider, and ensure it's right for you overall before you consider applying.

American Express Qantas Ultimate Card

Points per $1: 1.25 on everyday spend (up to 100,000 points in a calendar year, then 1 Qantas Point per $1 spent.)

Bonus points: 50,000 Qantas Points when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. New Amex Card Members only. T&Cs apply*.

Card fee: $450 per year

Why we chose it: It’s called Ultimate because this is the top-tier Qantas Card from American Express. What do you get for the $450 annual fee? Well, there’s a $450 Annual Qantas Travel Credit for starters. You can use that on eligible domestic or international Qantas flights each year when booked through American Express Travel (T&Cs apply). You also get uncapped Qantas point earning potential, with the earn rate per $1 varying depending on how you spend. The Card offers a host of other travel perks, plus up to four additional cards for family members or friends, at no extra fee.

NAB Rewards Platinum Card with Velocity

Points per $1 on everyday spend: 1

Bonus: 80,000 Velocity Points - Automatically redeem 60,000 Velocity Points (from 120,000 NAB Rewards Bonus Points) when you spend $1,000 within the first 60 days of account opening. Plus 20,000 Velocity Points (from 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.

Card fee: $95 for the first year, then $195 p.a.

Why we chose it: If you fly Virgin, you’ll want to at least look into this card. Up to 80,000 Velocity bonus points is good, plus you only need to spend $1,000 (that’s basically a couple of supermarket shops these days) and keep the card for a year to qualify. There’s a $95 annual fee in year one, which you’ll comfortably recoup in gift cards if you qualify for the sign up bonus. Year two the fee increases to $195 when the points-to-cost calculation gets a little tighter. But that is still reasonably inexpensive for a frequent flyer card.

American Express Qantas Discovery Card

Points per $1 on everyday spend: 0.75

Card fee: $0

Why we chose it: Shhh! This is the card that Amex doesn't want you to talk about. It’s one of the very few frequent flyer cards in Australia with no annual fee. You’ll earn 0.75 Qantas points per $1 on your everyday spend, which might seem low but for the average punter, this is a more than decent earn rate. As you might expect for a $0 annual fee card, you don't get travel insurance or many other perks generally and there’s only up to 44 days interest-free on purchases, but this card is going to be hard to beat as an inexpensive way to earn frequent flyer points.

American Express Qantas Business Rewards Card

Points per $1 on everyday spend: 1.25

Bonus: 150,000 Qantas Points (for new American Express® Card Members who apply, are approved, and spend $6,000 on eligible purchases on your American Express® Qantas Business Rewards Card within 3 months of their approval date. Offer ends 1 July 2025. T&Cs apply.

Card fee: $225 in the first year, then $450 p.a. (Offer ends 1 July 2025. T&Cs apply)

Why we chose it: The frequent flyer points-earning potential with this card is huge, especially on eligible spending with Qantas (2 points per dollar). There's a $450 annual fee (reduced to $225 in the first year for eligible new customers‡) but you can add up to 99 cards for your employees with no further fee (subject to conditions). That will get the spending flowing, as well as the frequent flyer points. Complimentary Qantas Business Rewards Membership (also subject to conditions) is another nice perk. Add in the card’s travel insurance and it ticks a lot of boxes for businesses with travel needs.

Frequent flyer credit cards with Money Matchmaker

How do frequent flyer credit cards work?

A frequent flyer credit card allows the cardholder to earn points on eligible purchases and redeem them with the airline frequent flyer program linked to the card.

They’re essentially a rewards credit card but with perks tailored to cardholders who travel frequently.

Cardholders need to be a member of an airline’s reward program, and points can be redeemed for a variety of rewards. Not just travel-related ones.

How to boost your frequent flyer points:
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Consider frequent flyer cards with bonus sign up points

This gives you an upfront injection on frequent flyer points. With bonus points, there are almost always conditions attached. This usually involves needing to spend a minimum amount in the first few months.

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Look for cards with high point earn rates

Pay attention to how many frequent flyer points you’ll earn per $1 you spend. Just as importantly, check what purchases you earn points on and at what rate. Some transactions won’t earn you any points, while others will be eligible for a lower earn rate.

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Match your card to your travel & spending habits

You may earn more points on spending with the airline your frequent flyer card is linked to. So it makes sense to choose a card that will maximise your current spending if you regularly fly with a particular carrier. Some cards also offer more points on international spending.

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Avoid costly interest charges and fees

Something you almost certainly won’t earn frequent flyer points on is interest charges. The same goes for card fees. Minimise these costs wherever possible, otherwise any value you get from frequent flyer points disappear very quickly.

What can I redeem frequent flyer credit card points for?

Most airline frequent flyer programs partner with other product and service providers, meaning you can redeem your frequent flyer points for more or less anything.

That said, it’s often the case that frequent flyer points go further when used on flights or upgrades.

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

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  • Flight bookings and upgrades
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  • Hotels and other accommodation
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  • Car rental
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  • Shopping and gift cards
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  • Restaurants, food and wine
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  • Insurance premiums
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  • Fuel and other car expenses

Other benefits of frequent flyer credit cards

As with many other credit cards, frequent flyer cards and other credit cards for travellers will often include a number of other perks which may directly benefit frequent travellers, including:

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  • Airport lounge access (e.g. two passes per year)
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  • Complimentary travel insurance
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  • Car rental insurance
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  • Flight inconvenience insurance
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  • Travel vouchers
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  • Discounts with partner travel providers (e.g. hotels and car hire companies) Discounted international transaction fees
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The features and perks will vary between card issuers, so check to see which perks are included when comparing frequent flyer credit cards.

Frequent flyer programs in Australia: Qantas vs Velocity

Cost to join

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  • The standard joining fee is $99.50 AUD, buy there are a number of ways you can become a member without paying a separate joining fee (e.g. though eligible frequent flyer credit cards)

Ways to earn points

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  • Eligible purchase on a Qantas frequent flyer credit card
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  • Booking flights with Qantas, Jetstar or another partner airline
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  • Booking accommodation or car rental with a partner providers
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  • Taking out insurance through Qantas or a banking product (e.g. Qantas home loan)
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  • Shopping with a partner retailer

Notable partner brands

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  • Adairs, Apple, BP Rewards, Country Road, David Jones, Microsoft, Myer, Optus, Red Energy, The Iconic, Woolworths (everyday rewards).

Ways to redeem points

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  • Flights, accommodation, gift cards, shopping (more or less anything that earns you points can also be a way to redeem them)

Partner airlines include

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  • Air France, Air New Zealand, Air Tahiti Nui, Aircalin, Airlink, Airnorth, Alaska Airlines, American Airlines, Bangkok Airways, British Airways, Cathay Pacific, China Airlines, China Eastern, China Southern, EL AL Israel, Emirates, Fiji Airways, Finnair, IndiGo, Japan Airlines, Jetstar, KLM, Latam, Network Aviation, Skytrans, SriLankan Airlines, WestJet.

Do points expire?

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  • Yes, 18-months after your last eligible activity.

Can I transfer points?

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  • Yes, you can transfer a minimum of 1,500 Qantas points per transfer for free to an eligible family member who is also a Qantas Frequent Flyer member.

Cost to join

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  • It’s free

Ways to earn points

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  • Booking flights with Virgin or another partner airline
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  • Booking accommodation or car rental with a partner providers
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  • Taking out a banking or insurance product through a partner provider (e.g. Medibank)
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  • Shopping with a partner retailer

Notable partner brands

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  • 7-Eleven, Apple, Chemist Warehouse, CommBank, Country Road, David Jones, Ebay, Flybuys, Myer, The Good Guys, The Iconic.

Ways to redeem points

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  • Flights, accommodation, gift cards, shopping (more or less anything that earns you points can also be a way to redeem them)

Partner airlines include

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  • Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Air New Zealand, Etihad Airways, Hong Kong Airlines, Air Canada, Qatar Airways, Hainan Airlines, Hawaiian Airlines, FlyPelican, South African Airways, Tianjin Airlines, Capital Airlines, Link Airways, All Nippon AIrways, FlyPelican.,

Do points expire?

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  • Yes, after 24 months of account inactivity.

Can I transfer points?

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  • Yes, you can transfer between 5,000 and 125,00 points to an eligible family member (who is also a Velocity frequent flyer member) up to four times each year.

Expert frequent flyer credit card tip

Brad Kelly, Payment Services

Brad Kelly, Credit Card Expert

"For a frequent flyer card to be worth your while, you really need to watch the fees. Card fees have increased in the last couple of years across the board but particularly on premium frequent flyer cards. Several providers have also changed to a monthly fee model which can make an expensive card look cheaper than it is. For me, a frequent flyer card with a low annual or monthly fee and no international fees is the gold standard, but these are rare."

Brad Kelly, Credit Card Expert

How to choose the best frequent flyer credit card

There’s more to comparing frequent flyer credit cards than there is when shopping for low rate credit cards or among credit cards with no annual fee. Below are some of the other main factors you may want to take into account. Note the main factors vary slightly if you're shopping for a business credit card.

1. Interest rate and fees

This is a very good place to start. There’s not much point having a frequent flyer credit card packed with perks and features if they’re going to be cancelled out by high high interest rates (purchase rate and cash advance rate), and fees.

As a reference point, the latest credit card data shows the average interest rate is around 18.60% p.a. and the average annual fee is $135.

If you manage to find an interest-free credit card offering rewards or you’re confident you have the discipline to pay off the entire balance within the card’s interest-free days, the fees will likely be your main cost.

We’ll explain these in more detail later on. Spoiler alert, fees on some frequent flyer card fees can be very high and are only really worth it if you're raking in points and using all of the other benefits (like lounge passes).

2. Your income and spending habits

Some frequent flyer credit cards have a minimum annual income built into the eligibility criteria. Others will only be worth the high annual card fee if you are spending a lot.

If that’s the case, it’s important to factor in whether your income and other financial commitments mean you can comfortably support that level of spending.

If you think you'll need to spend more than you usually would to get the most from the credit card, seriously consider whether it's right for you.

3. How often you travel

This will come as no surprise, but frequent flyer credit cards generally offer more benefits and overall value to people who travel a lot.

Think credit cards with travel insurance, lounge passes, travel vouchers, hotel discounts.

If you’re not going to make the most of these perks, a different type of card may be a better fit.

4. Points, points, points

It’s tempting to just look at the amount of bonus points you get when you sign up and how many points you earn per dollar spent using the card.

These are certainly well worth considering, but you should also consider the fine print on your frequent flyer points:

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  • Is there a cap on how many points you can earn per year?
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  • Which purchases are eligible to earn points?
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  • What kind of spending won't earn you any points? (e.g. paying certain bills, gambling)
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  • Do the points expire?
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  • Where and how can you use them? Or can they be converted to cashback?

10 ways to get the most from your frequent flyer credit card points

1

Take advantage of frequent flyer credit cards with bonus sign up offers (assuming the credit card is good value and a suitable match for you overall).

2

Look for cards with the highest point earn rates.

3

Understand which purchases will earn you the most points and which ones aren’t eligible.

4

Match the card to your spending habits. If you only travel occasionally, a general rewards card may be more suitable.

5

Use your card for everyday purchases to earn more points, but only if you can afford to repay the card balance in full every month.

6

Some frequent flyer programs allow you to earn bonus points by hitting non-financial targets, like walking a certain number of steps per day.

7

Pool points with family as both Qantas and Velocity allow point transfers between eligible family members.

8

Redeem your points wisely and look for the rewards perks that will get you the most bang for your points (but above all else, make sure you actually use them).

9

Share the card with your partner. Most credit cards allow additional cardholders. If two people are using the card, you'll likely earn more frequent flyer points (again watch for overspending).

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Offer to pay for split expenses and have your friends, family or roommates etc. send you the money.

Frequent flyer credit card fees

The fees on your frequent flyer credit card will play a major part in dictating whether the card will cost you or save you money overall. Here are the main fees to consider:

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  • Annual fee (can range from $0 to $700 depending on the card)
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  • Foreign currency conversion fee, usually around 3% but there are credit cards with no international fees
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  • Over limit fee, charged if your balance exceeds its limit
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  • Late payment fee
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  • Cash advance fee, charged when making a cash withdrawal or buying foreign currency
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  • Replacement/additional card fee
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  • Balance transfer fee if you move the balance of an existing credit card to your frequent flyer card
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Frequent Flyer cards tend to charge more in interest, so carrying a balance can become costly. Always clear your balance each month to avoid compounding interest.

Who can qualify for a frequent flyer credit card?

Who can qualify for a frequent flyer credit card? To qualify for a frequent flyer credit card you must meet the following qualifying criteria:

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  • Over 18 years of age
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  • Australian citizen or permanent resident
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  • Minimum income (varies between lenders and cards)
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  • A member of a relevant frequent flyer program e.g. Qantas Frequent Flyer or Virgin Velocity Flyer.

Qualifying criteria will vary between lenders and cards. Make sure you’re eligible for the frequent flyer credit card you have your eye on before applying. A declined application could damage your credit score.

How to apply for a frequent flyer credit card

You can apply for a frequent flyer credit card online, over the phone, or at your bank. When applying for a credit card, you will need to provide the card issuer with supporting documentation so they can assess your application and ability to meet repayments. This will likely include:
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Valid ID

Such as a driver licence or passport

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Employment details

Including your employment status, salary information, and payslips to verify your income

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Details of your current expenses

Plus any other loans you may have

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Details of your assets

Such as your home and motor vehicle

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If you are self-employed, you will need to provide previous tax assessments instead of pay slips. You may also be asked for financial information provided by your accountant.

Is getting a frequent flyer credit card worth it?

Frequent flyer credit cards can be beneficial for the right person. But for you to get good value, you’ll need to make sure you find the best frequent flyer credit card for YOUR situation. You’ll also need to make the most of the perks being offered.

If you just need a credit card as a backup or for emergencies, a frequent flyer card will be an expensive way of going about it.

But if you are the type of person who travels a lot, likes to track points and work towards an indulgent treat every so often (while also having the discipline to pay off the balance of your credit card in full every month) a frequent flyer credit card could be worth considering.

One simple way to determine whether a frequent flyer credit card may be suitable for you is to:

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  • Calculate how much you spend each year
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  • Calculate how many points that will earn you
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  • Calculate the associated value of these points
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  • Compare the value of your points with the fees included with the card

Frequent flyer credit card FAQ

What is the maximum credit limit on a frequent flyer credit card? Frequent flyer credit cards generally have a minimum credit limit ranging from $3,000 - $15,000 (depending on the card), and a maximum credit limit of $100,000. The amount of credit that you can access from a lender is determined by your:

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  • Income
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  • Credit score
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  • Overall financial health

There are two main frequent flyer programs you can join in Australia (Qantas and Velocity), plus a host of international ones.

The most important factor when choosing an airline is to understand their partner airlines, and how you can use your points. For example, both Qantas and Virgin partner with a range of different airlines globally. Consider which of the partner airlines you're most likely to use.

You’ll usually receive an updated points balance from your purchase once a month. Most credit card partners transfer points at the same time every month.

Some purchases and expenses may be ineligible for earning frequent flyer points. The criteria for earning points will be listed in the terms and conditions when applying.

You can use frequent flyer points to purchase virtually anything you can think of. The most obvious use case, of course, is redeeming them through the airline you are registered with or a partner airline (e.g. to book or upgrade a flight). You can also use your points for the likes of hotel and car rental bookings, to purchase appliances or other goods or convert them to gift cards.

Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.

Jared Mullane is a finance writer with more than eight years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, home loans, personal finance and insurance. Jared is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821).

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Important Disclosures

General information only

The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of the credit card product is suitable for you and seek independent financial advice if necessary.

We are not providing you with a recommendation or suggestion about a particular credit product. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to hold a particular credit card.

What products, features and information are shown

While we make every effort to ensure all credit cards available in Australia are shown in our comparison tables, we cannot guarantee that all products are included. Where we become aware of a card that is missing from our tables, we commit to adding it within one business day.

Our product comparisons may not compare all card features and attributes relevant to you.

Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the card issuer. While we do our best to ensure the information provided on this website is accurate, all information on this website is provided without any representation or warranty, either express or implied, being given as to the accuracy, completeness, timeliness, reliability or otherwise of its content. No responsibility is accepted by us for any errors, omissions or any inaccurate information on this website.

How cards are sorted and filtered by default

Users can easily change the sort order and apply product filters to our product comparison tables. However, when you arrive on a page initially or select a particular card type via the ‘card features’, a default sort order is applied as follows:

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  • Default sort (main credit card page): Consumer credit cards sorted by lowest ongoing annual fee, then the highest number of reward points earned per $1 spent, then alphabetically by provider/product name.
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  • No annual fee cards: Consumer credit cards sorted by lowest ongoing annual fee, then the highest number of reward points earned per $1 spent, then alphabetically by provider/product name.
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  • Low rate cards: Consumer credit cards sorted by lowest purchase rate, then lowest ongoing annual card fee, then alphabetically by provider/product name.
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  • Balance transfer cards: Consumer credit cards sorted by lowest balance transfer rate, then longest duration of BT offer, then lowest ongoing annual card fee, then alphabetically by provider/product name.
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  • Rewards and frequent flyer cards: Consumer credit cards sorted by highest rewards/FF points per dollar earned on everyday purchases, then lowest ongoing annual card fee, then lowest purchase rate, then alphabetically by provider/product name.
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  • Cashback cards: Consumer credit cards sorted by highest cashback per dollar earned, then lowest ongoing annual card fee, then lowest purchase rate, then alphabetically by provider/product name Interest-free cards/offers: Consumer credit cards sorted by longest 0% purchase rate offer period, then lowest ongoing purchase rate, then lowest ongoing annual card fee, then alphabetically by provider/product name
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  • Credit cards with lounge access: Consumer credit cards sorted by highest number of free lounge passes, then lowest to highest ongoing annual card fee, then highest to lowest points per dollar earned on everyday spending, then lowest purchase rate, then alphabetically by provider/product name.
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  • No international fee cards/cards with travel insurance: Consumer credit cards sorted by lowest ongoing annual card fee, then highest points per dollar earned on everyday spending, the lowest purchase rate, then alphabetically by provider/product name.
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  • Business credit cards: Business cards sorted by highest points per dollar earned on everyday spending, then lowest ongoing annual card fee, then lowest ongoing purchase rate, then alphabetically by provider/product name.

We may earn a commission from product providers if you are issued with a credit card via a link from this page. Cards marked as ‘sponsored’ are not selected or positioned on the page based on their product attributes. However, in our comparison tables, products are displayed based on the relevant default sort order and filters applied for that card type, or the sort order and filters selected by a user. We do not sort or filter comparison tables based on whether or not we will make money from a particular card, but we may earn a commission if you are issued with a card via a link from our organic comparison tables.

Receive 50,000 bonus Qantas Points when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Card within the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion.

This offer is only available to new American Express Card Members. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer.

Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. 50,000 bonus Qantas Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. The Qantas American Express Ultimate Card has an annual Card fee of $450. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

150,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 6 May 2025, are approved and spend $5,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Platinum Card has an annual fee of $1,450. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

150,000 bonus Qantas Points offer is available to new American Express Card Members who apply by 1 July 2025, are approved and spend $6,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. The American Express® Qantas Business Rewards Card will have an annual Card fee of $225 in the first year for new and existing Card Members who apply by 1 July 2025 and are approved. From the second year of membership an annual Card fee of $450 applies. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for the 150,000 Qantas Points offer. 150,000 bonus Qantas Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. Subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

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Interest rates, fees and charges are subject to change without notice. Before acting on any information, you should confirm the interest rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best” these relate solely to the rates of interest offered by the provider and not on any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

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Assumptions:

  • The calculations do not account for changes in interest rates or other market conditions that may occur.
  • Results are approximations and may differ from actual payment schedules or amounts.
  • The calculator does not include all fees and charges that you may incur in relation to a financial product.

Limitation

  • This calculator does not guarantee the availability of any financial product or the accuracy of the calculations. Please consult a financial advisor or the relevant product provider to obtain specific advice tailored to your circumstances.
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