Best Frequent Flyer Credit Cards

  • Compare the best frequent flyer credit cards for earning Qantas and Velocity points (updated December 2023).
  • Up to 150,000 bonus frequent flyer points available.
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Best frequent flyer credit cards for earning Qantas points

Qantas American Express Ultimate Card

Qantas points earned

1.25 per $1 spent (currently uncapped*). Plus 60,000 bonus points when you are approved and spend $3k in the first 3 months.

Interest rate

23.99% p.a.

Annual fee

$450

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Qantas Premier Titanium

Qantas points earned

1.25 per $1 spent (capped). Plus 150,000 bonus points when you apply by 1 May 2024 and spend $5k in the first 3 months.

Interest rate

19.99% p.a.

Annual fee

$1,200

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HSBC Premier World Mastercard Qantas Option

Qantas points earned

1 point per $1 spent (up to $120k) plus an extra 0.5 points per $1 in the first 12 months (up to $120k).

Interest rate

19.99% p.a.

Annual fee

$0

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Qudos Bank Visa Platinum Credit Card

Qantas points earned

1 per $1 spent (capped).

Interest rate

19.49% (4.99% for first 5 months)

Annual fee

$199

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Qantas American Express Premium Card

Qantas points earned

1 per $1 spent (uncapped). Plus, 30,000 bonus Qantas points.

Interest rate

23.99%.p.a.

Annual fee

$249

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Bankwest Qantas World Mastercard

Qantas points earned

1 per $1 spent (capped). Plus, 50,000 bonus points when you spend $3k on eligible purchases within 90 days and keep the account for 15 months.

Interest rate

19.99% p.a.

Annual fee

$270

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HSBC Platinum Qantas Credit Card

Qantas points earned

1 point per $1 spent (up to $120k) plus an extra 0.5 points per $1 in the first 12 months (up to $120k).

Interest rate

19.99% p.a.

Annual fee

$299 ($0 in first year)

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G&C Mutual Bank Platinum Visa Credit Card

Qantas points earned

1 point for per $1 spent (capped at 20,000 points/month). Plus get an annual 10,000 oints bonus.

Interest rate

19.99% p.a.

Annual fee

$299

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NAB Qantas Rewards Signature Card

Qantas points earned

1 per $1 spent (capped). Plus 90,000 points when you spend $3k in the first 60 days and a further 30,000 after 12 months.

Interest rate

19.99% p.a.

Annual fee

$395 ($295 in first year)

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Qantas Premier Platinum

Qantas points earned

1 per $1 spent (uncapped). Plus, up to 80,000 bonus Qantas points.

Interest rate

19.99% p.a.

Annual fee

$399 ($349 in first year)

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ANZ Frequent Flyer Black

Qantas points earned

1 per $1 spent (capped). Plus, 110,000 bonus points and when you spend $5k in the first 3 months.

Interest rate

20.49%p.a.

Annual fee

$425

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Commbank Ultimate Awards credit card with Qantas Points

Qantas points earned

0.8 per $1 spent (on eligible purchases in Australia).

Interest rate

20.24% p.a

Annual fee

Up to $480 ($35 monthly fee, waived each month your spend at least $4k)

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Qantas American Express Discovery Card

Qantas points earned

0.75 per $1 spent (uncapped).

Interest rate

23.99% p.a.

Annual fee

$0

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Qantas Premier Everyday

Qantas points earned

0.75 per $1 spent (uncapped). Intro offer of 2 bonus Qantas Points per $1 spent on purchases in the first 4 months (capped at 8,000 points).

Interest rate

19.99% p.a.

Annual fee

$49

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Bank Australia Platinum Rewards Visa Credit card

Qantas points earned

0.75 per $1 spent (capped).

Interest rate

18.24% p.a.

Annual fee

$189

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Regional Australia Bank Visa Platinum Rewards Credit Card

Qantas points earned

0.75 per $1 spent (capped).

Interest rate

19.99% p.a.

Annual fee

$195

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ANZ Frequent Flyer Platinum

Qantas points earned

0.75 per $1 spent. Plus 75,000 bonus points when you spend $2.5k in the first 3 months.

Interest rate

20.49% p.a.

Annual fee

$295

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BankSA Amplify Signature Qantas

Qantas points earned

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

Interest rate

19.49% p.a.

Annual fee

$370

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Bank of Melbourne Amplify Signature Qantas

Qantas points earned

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

Interest rate

19.49% p.a.

Annual fee

$370

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St.George Amplify Signature Qantas

Qantas points earned

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

Interest rate

19.49% p.a.

Annual fee

$370

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Westpac Altitude Black Qantas

Qantas points earned

0.75 per $1 spent (capped). Plus 90,000 points when you spend $6k in the first 120 days & 30,000 extra points after your first spend in the second year with the card.

Interest rate

19.99% p.a.

Annual fee

$370 (reduced in first year for existing Westpac customers)

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Qantas points earnedInterest rateAnnual feeVisit provider

Qantas American Express Ultimate Card

1.25 per $1 spent (currently uncapped*). Plus 60,000 bonus points when you are approved and spend $3k in the first 3 months.

23.99% p.a.

$450

Qantas Premier Titanium

1.25 per $1 spent (capped). Plus 150,000 bonus points when you apply by 1 May 2024 and spend $5k in the first 3 months.

19.99% p.a.

$1,200

HSBC Premier World Mastercard Qantas Option

1 point per $1 spent (up to $120k) plus an extra 0.5 points per $1 in the first 12 months (up to $120k).

19.99% p.a.

$0

Qudos Bank Visa Platinum Credit Card

1 per $1 spent (capped).

19.49% (4.99% for first 5 months)

$199

Qantas American Express Premium Card

1 per $1 spent (uncapped). Plus, 30,000 bonus Qantas points.

23.99%.p.a.

$249

Bankwest Qantas World Mastercard

1 per $1 spent (capped). Plus, 50,000 bonus points when you spend $3k on eligible purchases within 90 days and keep the account for 15 months.

19.99% p.a.

$270

HSBC Platinum Qantas Credit Card

1 point per $1 spent (up to $120k) plus an extra 0.5 points per $1 in the first 12 months (up to $120k).

19.99% p.a.

$299 ($0 in first year)

G&C Mutual Bank Platinum Visa Credit Card

1 point for per $1 spent (capped at 20,000 points/month). Plus get an annual 10,000 oints bonus.

19.99% p.a.

$299

NAB Qantas Rewards Signature Card

1 per $1 spent (capped). Plus 90,000 points when you spend $3k in the first 60 days and a further 30,000 after 12 months.

19.99% p.a.

$395 ($295 in first year)

Qantas Premier Platinum

1 per $1 spent (uncapped). Plus, up to 80,000 bonus Qantas points.

19.99% p.a.

$399 ($349 in first year)

ANZ Frequent Flyer Black

1 per $1 spent (capped). Plus, 110,000 bonus points and when you spend $5k in the first 3 months.

20.49%p.a.

$425

Commbank Ultimate Awards credit card with Qantas Points

0.8 per $1 spent (on eligible purchases in Australia).

20.24% p.a

Up to $480 ($35 monthly fee, waived each month your spend at least $4k)

Qantas American Express Discovery Card

0.75 per $1 spent (uncapped).

23.99% p.a.

$0

Qantas Premier Everyday

0.75 per $1 spent (uncapped). Intro offer of 2 bonus Qantas Points per $1 spent on purchases in the first 4 months (capped at 8,000 points).

19.99% p.a.

$49

Bank Australia Platinum Rewards Visa Credit card

0.75 per $1 spent (capped).

18.24% p.a.

$189

Regional Australia Bank Visa Platinum Rewards Credit Card

0.75 per $1 spent (capped).

19.99% p.a.

$195

ANZ Frequent Flyer Platinum

0.75 per $1 spent. Plus 75,000 bonus points when you spend $2.5k in the first 3 months.

20.49% p.a.

$295

BankSA Amplify Signature Qantas

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

19.49% p.a.

$370

Bank of Melbourne Amplify Signature Qantas

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

19.49% p.a.

$370

St.George Amplify Signature Qantas

0.75 per $1 spent (capped). Plus 90,000 bonus points when you spend $6k within 90 days.

19.49% p.a.

$370

Westpac Altitude Black Qantas

0.75 per $1 spent (capped). Plus 90,000 points when you spend $6k in the first 120 days & 30,000 extra points after your first spend in the second year with the card.

19.99% p.a.

$370 (reduced in first year for existing Westpac customers)

Info correct as at 5 December 2023. Table is ordered by highest point per $ spent, then lowest annual fee, then lowest purchase rate. Check with the provider for full card details, including fees, limits, terms and conditions to make sure the card is right for you. While this is an extensive list of the Qantas point-earning credit cards available, we can't guarantee that all cards available in the market are shown. *American Express has announced it will cap the top points earning rate on its Qantas American Express Discovery Card to the first 100k points from 1 January 2024 (beyond 100K points, the earn rate will be 1 point per $1 spent).

Best frequent flyer credit cards for earning Velocity points

American Express Velocity Platinum

Points earned

1.25 per $1 spent (uncapped). Plus 60,000 bonus points when you spend $3k in the first 3 months.

Interest rate

23.99% p.a.

Annual fee

$375

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Virgin Australia Velocity High Flyer Card

Points earned

1 per $1 spent (capped). Plus 40,000 bonus points each month you spend $3k in the first 2 months.

Interest rate

20.74% p.a.

Annual fee

$289

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BOQ Specialist Signature Credit Card

Points earned

1 per $1 spent (capped), plus 20,000 bonus rewards points when you use your card 10 times in the first two months.

Interest rate

Not advertised

Annual fee

$400

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American Express Velocity Escape Card

Points earned

0.75 per $1 spent (uncapped).

Interest rate

23.99% p.a.

Annual fee

$0

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Westpac Altitude Velocity Black

Points earned

0.75 per $1 spent (uncapped). Plus 90,000 bonus points when you spend $6k in the 120 days and 30,000 extra points after your first purchase in year 2 with the card.

Interest rate

19.99% p.a.

Annual fee

$370

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Virgin Australia Velocity Flyer Card

Points earned

0.66 per $1 spent (capped). Plus 30,000 bonus points each month you spend $1.5k in the first 2 months.

Interest rate

20.74% p.a.

Annual fee

$129 ($64 in first year)

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NAB Rewards Signature Card with Velocity

Points earned

0.625 per $1 spent (uncapped). Plus 80,000 bonus points when you spend $3k in the first 60 days and 20,000 extra points when you have held the card for 1 year.

Interest rate

19.99% p.a.

Annual fee

$295 ($195 in first year)

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Westpac Altitude Velocity Platinum

Points earned

0.5 per $1 spent (uncapped). Plus 70,000 bonus points when you spend $4k in the 90 days.

Interest rate

19.99% p.a.

Annual fee

$250 ($174 in first year)

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NAB Rewards Platinum Card with Velocity

Points earned

0.5 per $1 spent (uncapped). Plus 60,000 bonus points when you spend $1k within the first 60 days and 10,000 extra points when you have held the card for 1 year.

Interest rate

19.99% p.a.

Annual fee

$195 ($95 in first year)

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Citi Premier credit card Velocity offer

Points earned

0.5 per $1 spend (capped). Plus, 100,000 bonus points when you spend $8k in the first 90 days. Apply by 30 Apr 2024.

Interest rate

21.49% p.a.

Annual fee

$300 ($150/year after first year if you spend at least $48k in previous year)

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BOQ Platinum Credit Card

Points earned

0.5 per $1 spent (capped).

Interest rate

Not advertised

Annual fee

$150

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Points earnedInterest rateAnnual feeVisit provider

American Express Velocity Platinum

1.25 per $1 spent (uncapped). Plus 60,000 bonus points when you spend $3k in the first 3 months.

23.99% p.a.

$375

Virgin Australia Velocity High Flyer Card

1 per $1 spent (capped). Plus 40,000 bonus points each month you spend $3k in the first 2 months.

20.74% p.a.

$289

BOQ Specialist Signature Credit Card

1 per $1 spent (capped), plus 20,000 bonus rewards points when you use your card 10 times in the first two months.

Not advertised

$400

American Express Velocity Escape Card

0.75 per $1 spent (uncapped).

23.99% p.a.

$0

Westpac Altitude Velocity Black

0.75 per $1 spent (uncapped). Plus 90,000 bonus points when you spend $6k in the 120 days and 30,000 extra points after your first purchase in year 2 with the card.

19.99% p.a.

$370

Virgin Australia Velocity Flyer Card

0.66 per $1 spent (capped). Plus 30,000 bonus points each month you spend $1.5k in the first 2 months.

20.74% p.a.

$129 ($64 in first year)

NAB Rewards Signature Card with Velocity

0.625 per $1 spent (uncapped). Plus 80,000 bonus points when you spend $3k in the first 60 days and 20,000 extra points when you have held the card for 1 year.

19.99% p.a.

$295 ($195 in first year)

Westpac Altitude Velocity Platinum

0.5 per $1 spent (uncapped). Plus 70,000 bonus points when you spend $4k in the 90 days.

19.99% p.a.

$250 ($174 in first year)

NAB Rewards Platinum Card with Velocity

0.5 per $1 spent (uncapped). Plus 60,000 bonus points when you spend $1k within the first 60 days and 10,000 extra points when you have held the card for 1 year.

19.99% p.a.

$195 ($95 in first year)

Citi Premier credit card Velocity offer

0.5 per $1 spend (capped). Plus, 100,000 bonus points when you spend $8k in the first 90 days. Apply by 30 Apr 2024.

21.49% p.a.

$300 ($150/year after first year if you spend at least $48k in previous year)

BOQ Platinum Credit Card

0.5 per $1 spent (capped).

Not advertised

$150

Info correct as at 5 December 2023. Table is ordered by highest point per $ spent, then lowest annual fee, then lowest interest rate. Check with the provider for full card details, including fees, limits, terms and conditions to make sure the card is right for you. While this is an extensive list of the Qantas point-earning credit cards available, we can't guarantee that all cards available in the market are shown.

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Frequent flyer credit card

How do frequent flyer credit cards work?

A frequent flyer credit card is a type of credit card that 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

Consolidating debt

Consider frequent flyer cards with bonus sign up points

Best match guarantee

Look for cards with high point earn rates

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Match your card to your travel & spending habits

Debt consolidation loans

Avoid costly interest charges and fees

Credit card rewards

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:

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

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:

  • Airport lounge access (e.g. two passes per year)
  • Complimentary travel insurance
  • Car rental insurance
  • Flight inconvenience insurance
  • Travel vouchers
  • Discounts with partner travel providers (e.g. hotels and car hire companies) Discounted international transaction fees

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

  • 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

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

Notable partner brands

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

Ways to redeem points

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

Partner airlines include

  • Air France, Air New Zealand, American Airlines, Bangkok Airways, British Airways, Cathay Pacific, China Airlines, Emirates, Fiji Airways, Finnair, IndiGo, Japan Airlines, Jetstar , KLM, SriLankan Airlines, WestJet

Do points expire?

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

Can I transfer points?

  • Yes, a minimum of 5,000 and a max of 600,000 points in a 12-month period to an eligible family member who is also a Qantas Frequent Flyer member.

Cost to join

  • It’s free

Ways to earn points

  • Eligible purchase on a Velocity frequent flyer credit card
  • Booking flights with Virgin or another partner airline
  • Booking accommodation or car rental with a partner providers
  • Taking out a banking or insurance product through a partner provider (e.g. Medibank)
  • Shopping with a partner retailer

Notable partner brands

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

Ways to redeem points

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

Partner airlines include

  • Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Etihad Airways, Hong Kong Airlines, Air Canada, Qatar Airways, Hainan Airlines, Hawaiian Airlines, FlyPelican, South African Airways, Tianjin Airlines, Capital Airlines, Link Airways

Do points expire?

  • Yes, after 24 months of account inactivity.

Can I transfer points?

  • 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

For a frequent flyer card to be worth your while, you really need to watch the fees. Westpac recently increased theirs and Commbank has changed to a monthly fee model. Commbank also reduced the number of cards it offers – now just six options – and the fees on these can be high unless you spend enough to qualify to have the fee waived. In better news for Commbank frequent flyers, the international FX fee on purchases is waived on some cards (usually 3%).

Brad Kelly, Money.com.au's 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.

Credit cards have two different rates

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 17.92% 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.

I’ve explained 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).

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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.

Frequent flyer points

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.

frequent flyer credit card points

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:

  • Is there a cap on how many points you can earn per year?
  • Which purchases are eligible to earn points?
  • What kind of spending won't earn you any points? (e.g. paying certain bills, gambling)
  • Do the points expire?
  • 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. Earn bonus points: Some frequent flyer programs allow you to earn points by hitting non-financial targets, like walking a certain number of steps per day.
  7. Pool points with family: Both Qantas and Velocity allow point transfers between eligible family members.
  8. Redeem your points wisely: Look for the rewards perks that will get you 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).
  10. Offer to pay for split expenses and have your friends, family or roommates etc. send you the money.
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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:

  • Annual fee (can range from $0 to $700 depending on the card)
  • Foreign currency conversion fee, usually up to 3% but there are credit cards with no international fees
  • Over limit fee, charged if your balance exceeds its limit
  • Late payment fee
  • Cash advance fee, charged when making a cash withdrawal or buying foreign currency
  • Replacement/additional card fee
  • 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.
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Who can qualify for a frequent flyer credit card?

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

  • Over 18 years of age
  • Australian citizen or permanent resident
  • Have a good credit score
  • Minimum income (varies between lenders and cards)
  • 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.

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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:

  • Valid ID, such as a driver licence or passport
  • Employment details, including your employment status, salary information, and payslips to verify your income
  • Details of your assets, such as your home and motor vehicle
  • Details of your current expenses and other loans you may have

If you are self-employed, you will need to provide previous tax assessments instead of payslips. You may also 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:

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

Frequent flyer credit card FAQ

Frequent flyer credit cards generally have a minimum credit limit of $500, and a maximum credit limit of $100,000. The amount of credit that you can access from a lender is determined by your:

  • Income
  • Credit score
  • Overall financial health

The minimum and maximum limits for a frequent flyer card will vary between card issuers and cards. For example, a premium credit card may have a minimum limit of $15,000, while a basic frequent flyer credit card may have a limit of $3,000.

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. Look at the airlines and consider which ones you're most likely to use.

If you would like flexibility, American Express credit card points can be transferred to multiple different airlines.

You’ll usually receive an updated points balance from your purchase once a month. Most credit card partners transfer points on a regular day, so you should receive you updated balance at the same time every month.

Some purchases may be ineligible for earning points. The criteria for earning points on your frequent flyer card will be listed in the terms and conditions when applying. If you are unsure of whether your purchase will qualify, you can contact your card issuer.

You can redeem any points you’ve earned through the airline you are registered with. You can book flights through an airline’s online booking system, or make purchases from the airline’s merchandise and gift shop online.

Written by

Sean Callery Editor Money.com.au

Editor

Sean Callery

Reviewed by

Brad Kelly, Payment Services

Credit Cards Expert

Brad Kelly

*Order of products shown is as described in the headings. Where multiple cards have an identical primary attribute (e.g. points earn rate), we order the cards based on a secondary factor, such as purchase rate. Where all factors are identical, cards are ordered alphabetically by the name of the provider. We have carried out an extensive analysis of the market, but cannot guarantee that all cards available are shown.

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