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Best Credit Cards For Qantas Points

Compare the top credit cards for earning Qantas points, with bonus sign up offers of up to 150,000 points. Plus, see our pick of the best Qantas point-earning cards in various categories.

Best Credit Cards For Qantas Points

Compare the top credit cards for earning Qantas points, with bonus sign up offers of up to 150,000 points. Plus, see our pick of the best Qantas point-earning cards in various categories.

Excellent
4.7 out of 5
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Sean Callery Editor Money.com.au
Money.com.au's Senior Finance Writer, Jared Mullane

Qantas Point credit card guide written by Sean Callery and fact checked by Jared Mullane. Updated 15 Aug 2025.

Featured Qantas Point offers

Sponsored

SPECIAL OFFER

American Express Qantas Ultimate Card

Earn up to 90,000 bonus Qantas Points

American Express Qantas Ultimate Card

Earn 70k bonus points in Year 1 after min spend $3K in first 3 months. 20k bonus points in Year 2 after min. of $1 spend on the Card within 90 days of paying the 2nd year annual Card fee. Offer ends 13.01.2026. Annual Card fee is $450. New Amex Card Members only. T&Cs apply.

BUSINESS CARD OFFER

American Express® Qantas Business Rewards Card

150,000 Bonus Qantas Points + $250 in Qantas Business Rewards Travel Fund

American Express® Qantas Business Rewards Card

Receive 150,000 bonus Qantas Points plus $250 in your Qantas Business Rewards Travel Fund when you apply by 7 Oct 2025, are approved, and spend $6,000 on eligible purchases on your new card within 3 months of your approval date. T&Cs apply. New Amex members only.

American Express Qantas Ultimate Card

Points per $1

Up to 1.25

Everyday spend

Offer

90,000

Qantas Points

Card fee

$450

Per annum

Purchase rate

23.99%

Per annum

Up to 44 interest free days

Travel insurance

Uncapped points

3.00% FX fee

Money's takeIt’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.

More info

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Pros

  • Complimentary Travel Insurance when you pay for your return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
  • Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Members only)
  • $450 Annual Qantas Travel Credit (T&Cs apply)
  • Earn Qantas points for eligible spending (T&Cs apply)
cross

Cons

  • High interest rate on purchases
  • High annual fee
  • High foreign exchange fees
info

Additional information

  • Card Type: American Express
      American Express Qantas Ultimate Card

      Points per $1

      Up to 1.25

      Everyday spend

      Offer

      90,000

      Qantas Points

      Card fee

      $450

      Per annum

      Purchase rate

      23.99%

      Per annum

      Up to 44 interest free days

      Travel insurance

      Uncapped points

      3.00% FX fee

      Money's takeIt’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.

      More info

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      Pros

      • Complimentary Travel Insurance when you pay for your return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
      • Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Members only)
      • $450 Annual Qantas Travel Credit (T&Cs apply)
      • Earn Qantas points for eligible spending (T&Cs apply)
      cross

      Cons

      • High interest rate on purchases
      • High annual fee
      • High foreign exchange fees
      info

      Additional information

      • Card Type: American Express
          Qantas Premier Titanium Credit Card

          Points per $1

          Up to 1.25

          Everyday spend

          Offer

          -

          Qantas Points

          Card fee

          $1,200

          Per annum

          Purchase rate

          20.99%

          Per annum

          Up to 44 interest free days

          Travel insurance

          Uncapped points

          Money's takeThe most expensive MasterCard in Australia. $1,200 annual fee but with a whopping 150,000 sign on bonus. 1.25 Qantas points per dollar spent is about as good as an earn rate gets. 20% p.a. extra status credits and 4x lounge passes annually (2x Qantas Club, 2x Qantas First Class). 10% off Qantas-operated flights for 2 adults, 2 children and 2 infants, twice per year. Insurance included. You could justify the annual fee with all that. Bear in mind you will need to earn at least $200K a year to qualify for this card. $15k minimum limit. 20.99% p.a. interest.

          More info

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          Pros

          • Earn uncapped Qantas points
          • Get discounts on flights
          • Receive bonus status credits
          • Complimentary Travel Insurance
          • Lounge access
          cross

          Cons

          • High annual fee
          • High interest rate on purchases
          • High revert rate after balance transfer offer
          • Fee applies for additional cards
          info

          Additional information

          • Card Type: Mastercard
              Westpac Altitude Qantas Black Credit Card

              Points per $1

              Up to 1.2

              Everyday spend

              Offer

              120,000

              Qantas Points

              Intro annual fee

              $150

              Then $295 p.a.

              Purchase rate

              20.99%

              Per annum

              Up to 45 interest free days

              Travel insurance

              Uncapped points

              3.00% FX fee

              Money's takeThis is top of the heap when it comes to Qantas points earning cards with Westpac. Up to 120,000 points for signing up (90K up-front and the rest next year so that you keep the card and pay two annual fees which is a common tactic by providers). Spend $6k in 90 days to qualify for the sign up deal. But I would take a serious look at the Platinum version of this card if you’re looking to really maximise value for money on a Westpac card.

              More info

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              Pros

              • High rewards point earn rate
              • Get bonus points when you sign up
              • Complimentary Travel Insurance
              • Lounge access
              • Fraud protection
              cross

              Cons

              • High interest rate on purchases
              • High annual fee
              • High foreign exchange fees
              • Expensive for cash advances
              • High minimum credit limit
              • Rewards membership fee applies
              info

              Additional information

              • Card Type: Mastercard
                  Qudos Bank Visa Platinum Credit Card

                  Points per $1

                  Up to 1

                  Everyday spend

                  Offer

                  -

                  Qantas Points

                  Card fee

                  $189

                  Per annum

                  Intro purchase rate

                  4.99%

                  5 months

                  Then 18.99% p.a.

                  Up to 55 interest free days

                  Travel insurance

                  Uncapped points

                  Money's takeThe Qantas points earn rate on this for the $189 annual fee is not overly generous and there’s no sign on bonus either. 1 point for $1 spent up to $2,500 in a month and then it drops down to 0.5 points per dollar. The intro rate of 4.99% p.a. almost quadruples to 18.99% p.a. after five months. There are some positives with this card, but it doesn’t really excel in any one area.

                  More info

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                  Pros

                  • 55 days interest free
                  • Complimentary Travel Insurance
                  • Earn Qantas points for spending
                  cross

                  Cons

                  • High interest rate on purchases
                  • High foreign exchange fees
                  • Expensive for cash advances
                  info

                  Additional information

                  • Card Type: Visa
                      American Express Qantas Premium Card

                      Points per $1

                      Up to 1

                      Everyday spend

                      Offer

                      20,000

                      Qantas Points

                      Card fee

                      $249

                      Per annum

                      Purchase rate

                      23.99%

                      Per annum

                      Up to 44 interest free days

                      Travel insurance

                      Uncapped points

                      3.00% FX fee

                      Money's takeThe $249 annual fee is on the steeper side, but the points earn rate you get is decent – 1 point per $1 on just about everything (excluding spending with the government) and double that for Qantas spend. Two lounge passes (if that’s your thing) and travel insurance could cover your annual fee depending on your usage. It’s certainly not a bad option but is all that worth $249 per year? Only you can decide.

                      More info

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                      Pros

                      • Earn Qantas points for spending
                      • Get bonus points when you sign up
                      • Lounge access
                      • Purchase protection insurance
                      cross

                      Cons

                      • High interest rate on purchases
                      • High annual fee
                      • High foreign exchange fees
                      info

                      Additional information

                      • Card Type: American Express
                          G&C Mutual Bank Platinum Credit Card

                          Points per $1

                          Up to 1

                          Everyday spend

                          Offer

                          30,000

                          Qantas Points

                          Card fee

                          $299

                          Per annum

                          Purchase rate

                          19.99%

                          Per annum

                          Up to 50 interest free days

                          Uncapped points

                          3.00% FX fee

                          Money's takeDon't want to Bank with one of the big 4? You can always try an alternative like G&C Mutual Bank. Its platinum card will earn you Qantas frequent flyer points at the rate of 1:1 for up to $20k per month. You will also get a 10,000 points bonus every year just for hanging around. There's a front end deal on this card where you will get 50,000 points just for signing up and spending $5,000 in 90 days. As usual, interest rate is high at 19.99% p.a. as it’s a higher-end card and there’s an annual fee to contend with at $299.

                          More info

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                          Pros

                          • Earn Qantas points for spending
                          • Get bonus points when you sign up
                          • No fee for extra cards for family members or friends
                          cross

                          Cons

                          • High annual fee
                          • High interest rate on purchases
                          • No insurance offered with card
                          info

                          Additional information

                          • Card Type: Visa
                              Bankwest Qantas World Mastercard

                              Points per $1

                              Up to 1

                              Everyday spend

                              Offer

                              10,000

                              Qantas Points

                              Card fee

                              $320

                              Per annum

                              Purchase rate

                              19.99%

                              Per annum

                              Up to 44 interest free days

                              Travel insurance

                              Uncapped points

                              0% FX fee

                              Money's takeStrangely, the Platinum version of this card has a 50,000 Qantas points sign-on bonus (subject to eligibility) but the more expensive 'World' version offers nothing as a joining bonus. But you pay a higher annual card fee of $320. The points earn rate is higher at 1 point per $1 for the first $5k spent per month (0.5 points thereafter), but even that is nothing special. For a lot of people, Bankwest’s Qantas Platinum card will represent better value.

                              More info

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                              Pros

                              • Earn Qantas points for spending
                              • Zero foreign exchange fees
                              • Complimentary Travel Insurance
                              cross

                              Cons

                              • High interest rate on purchases
                              • Expensive for cash advances
                              • High annual fee
                              info

                              Additional information

                              • Card Type: Mastercard
                                  HSBC Platinum Qantas Credit Card

                                  Points per $1

                                  Up to 1

                                  Everyday spend

                                  Offer

                                  -

                                  Qantas Points

                                  Intro annual fee

                                  $0

                                  12 months

                                  Then $399 p.a.

                                  Purchase rate

                                  19.99%

                                  Per annum

                                  Up to 55 interest free days

                                  Travel insurance

                                  Uncapped points

                                  3.00% FX fee

                                  Money's takeFor the first year HSBC will give you 50% more points than usual up to 120,000. That’s different to most cards’ sign up bonuses. After year one, it goes back to normal which is $1 for 1 point for a maximum $120K spend. That’s very good for a Visa or MasterCard in this market. Annual fee is high at $299 but year one is $0. Travel insurance is included. 55 days interest-free and 20% p.a. interest is standard. This is a deal that’s a little different and worth considering if you're a big spender. Overseas spend will cost you 3% in FX fees.

                                  More info

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                                  Pros

                                  • Long interest-free balance transfer
                                  • Complimentary Travel Insurance
                                  • High rewards point earn rate
                                  • No annual fee in first year
                                  cross

                                  Cons

                                  • High revert rate after balance transfer offer
                                  • Expensive for cash advances
                                  • Balance transfer fee applies
                                  • High annual fee
                                  info

                                  Additional information

                                  • Card Type: Visa
                                      Qantas Premier Platinum Credit Card

                                      Points per $1

                                      Up to 1

                                      Everyday spend

                                      Offer

                                      -

                                      Qantas Points

                                      Intro annual fee

                                      $349

                                      12 months

                                      Then $399 p.a.

                                      Purchase rate

                                      20.99%

                                      Per annum

                                      Up to 44 interest free days

                                      Travel insurance

                                      Uncapped points

                                      Money's takeThis card is right smack bang in the middle of the pack. Up to 90,000 points sign on split 50,000 plus 40,000 if you haven't earned points on a card in 12 months. Kind of weird but that’s how they do it. $1 is 1 point up to $10k a month and card holders can receive up to 20% off domestic Qantas flights for up to 9 passengers (including themselves). The annual fee is $349 in year one, then $399. Will be borderline as to whether this is worth it. Will come down to card usage. 20.99% p.a. interest is high but it’s a reward card so not unusual. Balance transfer at 0% p.a. for 12 months is also included.

                                      More info

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                                      Pros

                                      • Long interest-free balance transfer
                                      • Earn Qantas points for spending
                                      • Get bonus points when you sign up
                                      • Complimentary Travel Insurance
                                      cross

                                      Cons

                                      • High interest rate on purchases
                                      • High revert rate after balance transfer offer
                                      • Fee applies for additional cards
                                      • High annual fee
                                      info

                                      Additional information

                                      • Card Type: Mastercard
                                          NAB Qantas Rewards Signature Credit Card

                                          Points per $1

                                          Up to 1

                                          Everyday spend

                                          Offer

                                          120,000

                                          Qantas Points

                                          Intro annual fee

                                          $320

                                          12 months

                                          Then $420 p.a.

                                          Purchase rate

                                          20.99%

                                          Per annum

                                          Up to 44 interest free days

                                          Travel insurance

                                          Uncapped points

                                          3.00% FX fee

                                          Money's take120,000 points to sign up (and meet the minimum spend requirement). Those points are split across two years (90k up front plus 30K in year two) and a $395 annual fee (reduced by $100 in year one). In short, it’s a decent deal in year one but much less so beyond that. The minimum limit is $15k so this is for big spenders who can take the hit to their borrowing capacity that that kind of limit could bring. Points earn rate is not a show-stopper but it rarely is when you’re earning Qantas points.

                                          More info

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                                          Pros

                                          • Earn Qantas points for spending
                                          • Get bonus points when you sign up
                                          • Long interest-free balance transfer
                                          • Complimentary Travel Insurance
                                          cross

                                          Cons

                                          • High interest rate on purchases
                                          • Balance transfer fee applies
                                          • High revert rate after balance transfer offer
                                          • High annual fee
                                          info

                                          Additional information

                                          • Card Type: Visa
                                              ANZ Frequent Flyer Black Credit Card

                                              Points per $1

                                              Up to 1

                                              Everyday spend

                                              Offer

                                              130,000

                                              Qantas Points

                                              Card fee

                                              $425

                                              Per annum

                                              Purchase rate

                                              20.99%

                                              Per annum

                                              Up to 44 interest free days

                                              Travel insurance

                                              Uncapped points

                                              3.00% FX fee

                                              Money's takeANZ were the first to market with a Qantas-linked card more than 20 years ago and this is the top-of-the-range version of the original. $425 a year puts it right up there for cost, but the bonus sign-up offer is generous. If you don't pay your bill in full, you’ll cop a 20.99% p.a. interest rate on purchases. The earn rate is okay but is cut in half once you go over $7.5k spent in a month. The broad insurance coverage is a plus, as are the two lounge invites per year. You need a minimum $15k limit so it’s not for small spenders.

                                              More info

                                              tick

                                              Pros

                                              • Lounge access
                                              • Earn Qantas points for spending
                                              • Get bonus points when you sign up
                                              • Complimentary Travel Insurance
                                              • Purchase protection insurance
                                              cross

                                              Cons

                                              • High interest rate on purchases
                                              • High annual fee
                                              • High minimum credit limit
                                              • Fee applies for additional cards
                                              info

                                              Additional information

                                              • Card Type: Visa
                                                  American Express Qantas Discovery Card

                                                  Points per $1

                                                  Up to 0.75

                                                  Everyday spend

                                                  Offer

                                                  -

                                                  Qantas Points

                                                  Card fee

                                                  $0

                                                  Per annum

                                                  Purchase rate

                                                  23.99%

                                                  Per annum

                                                  Up to 44 interest free days

                                                  Uncapped points

                                                  3.00% FX fee

                                                  Money's takeShhh! This is the card that Amex doesn't want you to talk about. It’s one of the very few Qantas cards in Australia with no annual fee. You’ll earn 0.75 points per $1 on your everyday spend, which might seem low but for the average punter, this is a more than decent earn rate. You don't get travel insurance or many other perks generally and there’s only up to 44 days interest-free on purchases (i.e.14 days to pay). If you revolve a balance, you’ll pay 23.99% p.a. which could easily wipe out any points benefit.

                                                  More info

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                                                  Pros

                                                  • No annual fee
                                                  • Earn Qantas points for spending
                                                  • Purchase protection insurance
                                                  cross

                                                  Cons

                                                  • High interest rate on purchases
                                                  • High foreign exchange fees
                                                  • AMEX not accepted everywhere
                                                  info

                                                  Additional information

                                                  • Card Type: American Express
                                                      Qantas Premier Everyday Credit Card

                                                      Points per $1

                                                      Up to 0.75

                                                      Everyday spend

                                                      Offer

                                                      -

                                                      Qantas Points

                                                      Card fee

                                                      $99

                                                      Per annum

                                                      Purchase rate

                                                      20.99%

                                                      Per annum

                                                      Up to 44 interest free days

                                                      Travel insurance

                                                      Uncapped points

                                                      Money's takeThis is a Qantas card for $99, so it’s cheap. The points earn is 0.75 points per dollar (or 1 point per dollar on international spend). You will also get 2 points per dollar for the first $4,000 spend after approval. For the average consumer this is completely adequate. Oddly enough, it’s not really ideal for travel with a 3% international fee, but you get what you pay for given the low annual fee and complimentary travel insurance. Qantas cards are issued by NAB.

                                                      More info

                                                      tick

                                                      Pros

                                                      • Low annual fee
                                                      • Long interest-free balance transfer
                                                      • Earn Qantas points for spending
                                                      • Get bonus points when you sign up
                                                      • Complimentary Travel Insurance
                                                      cross

                                                      Cons

                                                      • High interest rate on purchases
                                                      • High revert rate after balance transfer offer
                                                      • Expensive for cash advances
                                                      • Fee applies for additional cards
                                                      info

                                                      Additional information

                                                      • Card Type: Mastercard
                                                          Westpac Altitude Qantas Platinum Credit Card

                                                          Points per $1

                                                          Up to 0.75

                                                          Everyday spend

                                                          Offer

                                                          75,000

                                                          Qantas Points

                                                          Card fee

                                                          $175

                                                          Per annum

                                                          Purchase rate

                                                          20.99%

                                                          Per annum

                                                          Up to 45 interest free days

                                                          Travel insurance

                                                          Uncapped points

                                                          3.00% FX fee

                                                          Money's take70,000 points to sign up (spend $4k in the first 90 days) with a $99 annual fee plus $75 to Qantas (if you have a Westpac customer ID, the first year annual fee drops to $49). This is starting to look like a bargain. Lower points earn rate than the Signature card (only 0.5 points per dollar capped at 100K spend – so 50,000 points max per year) but this still feels like better value. Get 70,000 points for spending as normal (for the average Aussie anyway). A short 45 days interest-free is a small trade-off for an otherwise good deal.

                                                          More info

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                                                          Pros

                                                          • Earn Qantas points for spending
                                                          • Get bonus points when you sign up
                                                          • Complimentary Travel Insurance
                                                          • Fraud protection
                                                          • Option to pay in instalments
                                                          cross

                                                          Cons

                                                          • High interest rate on purchases
                                                          • High foreign exchange fees
                                                          • Expensive for cash advances
                                                          • Rewards membership fee applies
                                                          info

                                                          Additional information

                                                          • Card Type: Mastercard
                                                              Bank Australia Platinum Rewards Visa Credit Card

                                                              Points per $1

                                                              Up to 0.75

                                                              Everyday spend

                                                              Offer

                                                              -

                                                              Qantas Points

                                                              Card fee

                                                              $189

                                                              Per annum

                                                              Purchase rate

                                                              20.24%

                                                              Per annum

                                                              Up to 55 interest free days

                                                              Travel insurance

                                                              Uncapped points

                                                              3.00% FX fee

                                                              Money's takeThis card is attempting to be all things to all people, offering Qantas points on spending, travel insurance included, a relatively low annual fee of $189, and a low minimum credit limit to appeal to a broad church. But there are cheaper Qantas cards out there (granted some won’t offer travel insurance) and ones that offer bonus points when you sign up, whereas this one doesn’t.

                                                              More info

                                                              tick

                                                              Pros

                                                              • Earn Qantas points for spending
                                                              • Complimentary Travel Insurance
                                                              • 55 days interest free
                                                              cross

                                                              Cons

                                                              • High interest rate on purchases
                                                              • High foreign exchange fees
                                                              • Expensive for cash advances
                                                              info

                                                              Additional information

                                                              • Card Type: Visa
                                                                  ANZ Frequent Flyer Platinum Credit Card

                                                                  Points per $1

                                                                  Up to 0.75

                                                                  Everyday spend

                                                                  Offer

                                                                  75,000

                                                                  Qantas Points

                                                                  Card fee

                                                                  $295

                                                                  Per annum

                                                                  Purchase rate

                                                                  20.99%

                                                                  Per annum

                                                                  Up to 44 interest free days

                                                                  Travel insurance

                                                                  Uncapped points

                                                                  3.00% FX fee

                                                                  Money's takeThis is ANZ's mid-spec card for Qantas points. The 75,000 bonus points and $100 cashback when you sign up and meet the spend criteria is a solid benefit. A lower minimum credit limit of $6k makes it more accessible for smaller spenders than the ‘Black’ version. The points earn rate is okay without being spectacular. An average punter would earn about 22,500 points based on a $30k annual spend. If you use the insurance that’s included, this will add to the value. Even so, the $295 annual fee is a bit steep, as is the 20.99% p.a. revolve rate.

                                                                  More info

                                                                  tick

                                                                  Pros

                                                                  • Earn Qantas points for spending
                                                                  • Get bonus points when you sign up
                                                                  • Complimentary Travel Insurance
                                                                  cross

                                                                  Cons

                                                                  • High interest rate on purchases
                                                                  • High annual fee
                                                                  • Fee applies for additional cards
                                                                  info

                                                                  Additional information

                                                                  • Card Type: Visa
                                                                      Bank of Melbourne Amplify Qantas Signature

                                                                      Points per $1

                                                                      Up to 0.75

                                                                      Everyday spend

                                                                      Offer

                                                                      120,000

                                                                      Qantas Points

                                                                      Card fee

                                                                      $295

                                                                      Per annum

                                                                      Purchase rate

                                                                      20.99%

                                                                      Per annum

                                                                      Up to 55 interest free days

                                                                      Travel insurance

                                                                      Uncapped points

                                                                      3.00% FX fee

                                                                      Money's take$370 a year for this one, but you can get 80,000 points if you sign up and hit the minimum spend. Speaking of which, if you spend $2 you’ll get 1.5 points which is okay-ish. Points max out at $250k in the year but if you're spending that much then you will probably have an Amex Platinum Card anyway. This card requires a minimum $15k limit with a 3% fee on foreign transactions which is on the high side. There’s insurance included and you can hang out in the lounge with two passes included per year.

                                                                      More info

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                                                                      Pros

                                                                      • Earn Qantas points for spending
                                                                      • Get bonus points when you sign up
                                                                      • Complimentary Travel Insurance
                                                                      • Lounge access
                                                                      cross

                                                                      Cons

                                                                      • Rewards membership fee applies
                                                                      • High interest rate on purchases
                                                                      • High annual fee
                                                                      info

                                                                      Additional information

                                                                      • Card Type: Visa
                                                                          BankSA Amplify Qantas Signature

                                                                          Points per $1

                                                                          Up to 0.75

                                                                          Everyday spend

                                                                          Offer

                                                                          120,000

                                                                          Qantas Points

                                                                          Intro annual fee

                                                                          $150

                                                                          Then $295 p.a.

                                                                          Purchase rate

                                                                          20.99%

                                                                          Per annum

                                                                          Up to 55 interest free days

                                                                          Travel insurance

                                                                          Uncapped points

                                                                          3.00% FX fee

                                                                          Money's take$295 a year for this one, but you can get 90,000 points if you sign up and hit the minimum spend. If you spend $2 you’ll get 1.5 points which is okay-ish. Points max out at $250k in the year . This card requires a minimum $15k limit with a 3% fee on foreign transactions which is on the high side. There’s insurance included and you can hang out in the lounge with two passes included per year. Drag out the payments for 25 days after the end of the statement period (up to 55 days interest-free)

                                                                          More info

                                                                          tick

                                                                          Pros

                                                                          • Earn Qantas points for spending
                                                                          • Get bonus points when you sign up
                                                                          • Long interest-free balance transfer
                                                                          • Complimentary Travel Insurance
                                                                          • Lounge access
                                                                          cross

                                                                          Cons

                                                                          • Balance transfer fee applies
                                                                          • Rewards membership fee applies
                                                                          • High interest rate on purchases
                                                                          • High revert rate after balance transfer offer
                                                                          • High annual fee
                                                                          info

                                                                          Additional information

                                                                          • Card Type: Visa
                                                                              St.George Amplify Qantas Signature

                                                                              Points per $1

                                                                              Up to 0.75

                                                                              Everyday spend

                                                                              Offer

                                                                              12,000

                                                                              Qantas Points

                                                                              Card fee

                                                                              $295

                                                                              Per annum

                                                                              Purchase rate

                                                                              20.99%

                                                                              Per annum

                                                                              Up to 55 interest free days

                                                                              Travel insurance

                                                                              Uncapped points

                                                                              3.00% FX fee

                                                                              Money's takeThis card is ‘the hamburger with the lot’ for St.George. $295 for the card, plus $75 for the Qantas Rewards Program puts this well up there. But that gets you 90,000 points when you spend $6k in the first 90 days. You also get a slightly higher points earn rate than the Platinum option at 0.75 points per dollar for regular purchases. The insurance that’s included and lounge passes make this a better deal. Up to 55 interest-free days is good for a Qantas-linked card. The interest rate is high as you would expect on a point-earning card

                                                                              More info

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                                                                              Pros

                                                                              • Earn Qantas points for spending
                                                                              • Get bonus points when you sign up
                                                                              • Long interest-free balance transfer
                                                                              • Complimentary Travel Insurance
                                                                              • Lounge access
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                                                                              Cons

                                                                              • Balance transfer fee applies
                                                                              • Rewards membership fee applies
                                                                              • High interest rate on purchases
                                                                              • High revert rate after balance transfer offer
                                                                              • High annual fee
                                                                              info

                                                                              Additional information

                                                                              • Card Type: Visa
                                                                                  NAB Qantas Rewards Premium Credit Card

                                                                                  Points per $1

                                                                                  Up to 0.66

                                                                                  Everyday spend

                                                                                  Offer

                                                                                  70,000

                                                                                  Qantas Points

                                                                                  Intro annual fee

                                                                                  $195

                                                                                  12 months

                                                                                  Then $295 p.a.

                                                                                  Purchase rate

                                                                                  20.99%

                                                                                  Per annum

                                                                                  Up to 44 interest free days

                                                                                  Travel insurance

                                                                                  Uncapped points

                                                                                  3.00% FX fee

                                                                                  Money's take70,000 points if you take out this card and spend $2k in 60 days. You will get 60,000 up-front and then a year later when you pay the second annual fee you will get the other 10,000. Providers are smarting on to people pocketing sign-up points and then moving on. $195 annual fee in year one and $295 in year two, so $400 all up for 70,000 points is another way of looking at it. 20% p.a. interest on purchases is high but not unusual in rewards card land. The 44 days interest-free is again not usual but many cards offer 55 so keep that in mind.

                                                                                  More info

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                                                                                  Pros

                                                                                  • Earn Qantas points for spending
                                                                                  • Get bonus points when you sign up
                                                                                  • Long interest-free balance transfer
                                                                                  • Complimentary Travel Insurance
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                                                                                  Cons

                                                                                  • High interest rate on purchases
                                                                                  • Balance transfer fee applies
                                                                                  • High revert rate after balance transfer offer
                                                                                  info

                                                                                  Additional information

                                                                                  • Card Type: Visa

                                                                                      Compare Qantas credit cards

                                                                                      The table is sorted based on the cards that earn the highest number of Qantas Points on everyday spending, with partner products shown first. You should consider other aspects of the cards (e.g. rates and fees) too, when deciding which is best for you.

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                                                                                      Rates updated 15 August 2025

                                                                                      Important Disclosures

                                                                                      Sponsored

                                                                                      American Express Qantas Ultimate Card

                                                                                      All cards

                                                                                      American Express Qantas Ultimate Card
                                                                                      Qantas Premier Titanium Credit Card
                                                                                      Westpac Altitude Qantas Black Credit Card
                                                                                      Qudos Bank Visa Platinum Credit Card
                                                                                      American Express Qantas Premium Card
                                                                                      G&C Mutual Bank Platinum Credit Card
                                                                                      Bankwest Qantas World Mastercard
                                                                                      HSBC Platinum Qantas Credit Card
                                                                                      Qantas Premier Platinum Credit Card
                                                                                      NAB Qantas Rewards Signature Credit Card
                                                                                      ANZ Frequent Flyer Black Credit Card
                                                                                      American Express Qantas Discovery Card
                                                                                      Qantas Premier Everyday Credit Card
                                                                                      Westpac Altitude Qantas Platinum Credit Card
                                                                                      Bank Australia Platinum Rewards Visa Credit Card
                                                                                      ANZ Frequent Flyer Platinum Credit Card
                                                                                      Bank of Melbourne Amplify Qantas Signature
                                                                                      BankSA Amplify Qantas Signature
                                                                                      St.George Amplify Qantas Signature
                                                                                      NAB Qantas Rewards Premium Credit Card

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                                                                                      How to choose the best Qantas credit card

                                                                                      The obvious but potentially wrong answer to this question is that the best Qantas credit card is the one that offers the most points. That could either be points per dollar spent or bonus sign-up points or, ideally, a combination of the two.

                                                                                      But chasing points could potentially mean signing up for an expensive card that you may not get full value from.

                                                                                      It’s a good idea to look at your current spending and look for a credit card that strikes the right balance between cost and what you’re likely to get in return. In many cases, this means a middle-of-the-road card, with good points-earning potential and a relatively low fee.

                                                                                      Here’s a more detailed breakdown of the factors to consider.

                                                                                      1. Sign-up bonus

                                                                                        Most Qantas credit cards offer some form of incentive to encourage you to take out the card initially. There's almost always a minimum spend requirement for the offer but it tends to be achievable for most cardholders based on the average credit card spend in Australia. Sign up bonuses range from 8,000 - 150,000 Qantas points (or 200,000 on business credit cards), with the more premium (expensive) cards offering more.

                                                                                      2. Points earn rate on purchases

                                                                                        An important thing to be aware of is that not all earn rates on Qantas credit cards are created equal. Some cards offer more points for certain kinds of spending (not surprisingly, you'll often earn more points for spending with Qantas itself) with a reduced rate on other purchases. You often can’t earn points at all on the likes of BPAY payments and cash advances.

                                                                                      3. Annual fee

                                                                                        Think of this as the main cost of being able to earn Qantas points on your credit card, although some cards have a separate rewards program fee. All other things being equal, the lower the annual fee, the better. There are even a couple of no annual fee credit cards that offer Qantas points.

                                                                                      4. Extra cardholder fee

                                                                                        Having an extra cardholder (e.g. a spouse) can help you earn more Qantas points on your credit card, but in some cases there will be a fee per extra card. As the primary cardholder you will get the point, but you will also be ultimately responsible for paying the bill and having the credit card connected to your credit file.

                                                                                      5. Foreign exchange fees

                                                                                        Customers attracted to Qantas points often use their credit card when travelling overseas. If that’s you, consider the card’s foreign exchange fee which applies to international spending (including purchases made in Australia from overseas merchants). CommBank and Bankwest both offer Qantas credit cards with no international transaction fees.

                                                                                      6. Extra perks

                                                                                        Most Qantas cards offer other credit card rewards, including complimentary credit card travel insurance, discounts at partner retailers, airlines, restaurants and hotels, travel or flight vouchers, or even cashback to your credit card. There are also some Qantas credit cards that will get into an airport lounge for free a couple of times per year.

                                                                                      What's the best Qantas frequent flyer credit card in 2025?

                                                                                      We've shortlisted the top Qantas point-earning cards on our database based on different criteria. 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.

                                                                                      Best Qantas credit card for ongoing points earning

                                                                                      American Express Qantas Ultimate Card

                                                                                      Points per $1

                                                                                      1.25

                                                                                      On everyday spend

                                                                                      Points per $1

                                                                                      2

                                                                                      On spending with Qantas

                                                                                      Overall points earning

                                                                                      Uncapped

                                                                                      Why we chose it

                                                                                      The American Express Qantas Ultimate Card is tied with the Qantas Premier Titanium Card for highest ongoing earn rate, but it comes with a considerably lower annual fee of $450 versus $1,200. The car...

                                                                                      Best Qantas credit card sign-up bonus

                                                                                      Qantas Premier Titanium Credit Card

                                                                                      Sign up bonus

                                                                                      150,000

                                                                                      Qantas points

                                                                                      Points per $1

                                                                                      1.25

                                                                                      On everyday spend

                                                                                      Overall points earning

                                                                                      Uncapped

                                                                                      Why we chose it

                                                                                      If your only goal is to bag as many Qantas Points as you can as a welcome bonus (which we don’t necessarily recommend), the Qantas Premier Titanium offers the highest points sign-up bonus among cards ...

                                                                                      Best low-fee Qantas credit card

                                                                                      Qantas American Express Discovery Card

                                                                                      Card fee

                                                                                      $0

                                                                                      p.a.

                                                                                      Points per $1

                                                                                      0.75

                                                                                      On everyday spend

                                                                                      Overall points earning

                                                                                      Uncapped

                                                                                      Why we chose it

                                                                                      For overall value for money, the Qantas American Express Discovery Card will take some beating. It’s one of the very few Qantas cards in Australia with no annual fee, meaning if you use the card respo...

                                                                                      Best low(ish) rate Qantas credit card

                                                                                      Qudos Bank Visa Platinum Credit Card

                                                                                      Interest rate

                                                                                      4.99%

                                                                                      p.a. for 5 months

                                                                                      then 19.24% p.a.

                                                                                      Points per $1

                                                                                      Up to 1

                                                                                      On everyday spend

                                                                                      Card fee

                                                                                      $199

                                                                                      p.a.

                                                                                      Why we chose it

                                                                                      While this is not a genuinely low rate credit card, it’s about as close as it gets among Qantas-Point earning cards. For the first five months, you’ll pay 4.99% p.a. which is a genuinely very low rate...

                                                                                      Best Qantas credit card for business

                                                                                      American Express Qantas Business Rewards Card

                                                                                      Points per $1

                                                                                      1.25

                                                                                      On everyday spend

                                                                                      Bonus points

                                                                                      150,000

                                                                                      p.a.

                                                                                      Card fee

                                                                                      $450

                                                                                      p.a.

                                                                                      Why we chose it

                                                                                      The Qantas points-earning potential with this card is huge, especially on eligible spending with Qantas itself (2 points per dollar). There's a $450 annual fee but you can add up to 99 cards for your ...

                                                                                      Traps to avoid when earning credit card Qantas points

                                                                                      Credit cards are notorious for offering incentives that reward you for spending. If this is money you would be spending anyway, this can work out well for you. But there is a risk you can end up with a lot of Qantas points but also expensive credit card debt. Below are some tips to consider to help you use your card responsibly, while also maximising your Qantas points.

                                                                                      1. Don’t change your (good) spending habits to chase Qantas points

                                                                                        It can be remarkably easy to convince ourselves that spending more money is justified “because I’ll get points”.

                                                                                        The trouble is, the points you earn rarely make up for the extra money you spend. In fact, in some cases you’ll need to spend yet more money while redeeming your points, as points + pay is sometimes required.

                                                                                        If you’re looking for a Qantas credit card, consider a card that’s a good match for your current good spending habits (some rewards cards offer higher points for shopping at certain retailers you may already use).

                                                                                      2. Don’t go nuts with international spending to boost your Qantas credit card points

                                                                                        Have you ever noticed how some Qantas credit cards offer a higher earn rate on international spending? Sounds great, but what you also need to be aware of is there will likely be a foreign exchange fee added to the cost of those purchases.

                                                                                        This is usually 2-3% and in many cases will comfortably cancel out the benefit you get from the extra points. If you spend overseas a lot, a credit card with no FX fees will likely save you money.

                                                                                      3. Watch for point-earning limits

                                                                                        You need to pay very close attention to the caps and earn limits that apply to cards you’re considering. Some providers are introducing tighter limits on how many Qantas points you can earn at the highest rate.

                                                                                        These caps are usually fairly generous and most average spenders won’t get near them, but you still need to be aware of what you’ll actually be getting beyond the headline offer card providers advertise.

                                                                                      How I maximise my Qantas credit card points

                                                                                      Sean Callery Editor Money.com.au

                                                                                      Sean Callery, Editor

                                                                                      My wife and I have a Westpac Altitude Qantas Platinum Credit Card and use it for most of our spending. Our strategy is to keep as much of our cash savings in our home loan offset account and then use that money to clear the credit card bill in full each month. We save on home loan interest and usually earn enough Qantas points to pay for something worth a few hundred dollars once a year. We usually do this when the Qantas store has a sale on.

                                                                                      Sean Callery, Editor

                                                                                      Is a credit card from Qantas itself better than a card from another provider?

                                                                                      Qantas has a range of its own credit cards offering points in return for spending. But these cards are no different to Qantas point-earning cards offered by any other provider when it comes to the features and costs that may apply.

                                                                                      In fact, Qantas’s credit cards are issued by major bank NAB. Qantas simply rebrands these cards and sells them through its Qantas Money business.

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                                                                                      You should assess all credit cards that earn Qantas points (whether Qantas-branded or otherwise) using the same overall criteria before deciding which one is a good match for you.

                                                                                      What’s the best way to redeem Qantas credit card points?

                                                                                      The conventional wisdom is that paying for travel (i.e. booking flights) is the best way to use Qantas points. It is an airline after all.

                                                                                      But while this is broadly true (at least if you’re looking at the equivalent $ value of your points), it is only a useful rule of thumb if you actually need to book a flight with Qantas or a partner airline.

                                                                                      Another way of looking at it is that the best way to use your Qantas credit card points will be to pay for something you actually need and would be spending cash on anyway. You can convert Qantas points into a gift card for most major retailers, for example.

                                                                                      That way, you will definitely be saving yourself money and getting value from those points. You can always then use the money you’ve saved to pay for the flight or wine, or whatever else Qantas is advertising via its store.

                                                                                      What the average Aussie can get with their Qantas credit card points

                                                                                      The average Australian spends about $2,894 per month on their credit card, based on our analysis of Reserve Bank of Australia data. That’s $34,734 per year, or 34,734 Qantas points assuming you earn 1 point per $1 spent.

                                                                                      Below we show some examples of what that amount of Qantas points could get you (give or take). For our money, using your Qantas points for flights is probably going to give the best bang for buck. Unless you're particularly keen on golf, kettles or toasters.

                                                                                      PurchaseQantas points required

                                                                                      A return economy flight from Sydney to Perth

                                                                                      36,000

                                                                                      Roughly $159 worth of supermarket gift cards

                                                                                      34,743

                                                                                      A Morphy Richards Ascend Chrome 4 Slice Toaster

                                                                                      33,800

                                                                                      A Sunbeam Kyoto City Collection 1.7L Jug Kettle

                                                                                      35,800

                                                                                      2 X 12 pack of TaylorMade TP5 Golf Balls

                                                                                      33,600

                                                                                      Source: Qantas Marketplace as at April 2025.

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                                                                                      How do Velocity credit cards compare?

                                                                                      See some of the best credit cards for earning Velocity points

                                                                                      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:

                                                                                        circle-green-tick
                                                                                      • Default sort (main credit card page): Consumer credit cards sorted by the highest number of reward points earned per $1 spent, then lowest ongoing annual fee, then alphabetically by provider/product name. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • 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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • Low rate cards: Consumer credit cards sorted by lowest purchase rate, then lowest ongoing annual card fee, then alphabetically by provider/product name. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • 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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
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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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
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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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • 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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
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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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • 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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.
                                                                                      • circle-green-tick
                                                                                      • Business credit cards/charge 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. Partner products are shown first and are ordered based on the sort criteria above, then all products are shown and are sorted based on the same criteria.

                                                                                      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 solely based on their product attributes. 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 may earn a commission if you are issued with a card via a link from our comparison tables.

                                                                                      Offer only available to new American Express Card Members who apply by 7 October 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. 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 this 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. $250 credit will be issued by Qantas into the Card Member’s Qantas Business Rewards Travel Fund up to 10 weeks after the bonus Qantas Points have been awarded. Bookings made using Travel Fund can only be used for future flight bookings through Qantas Business Rewards; it is non-transferable and cannot be redeemed for cash. Promotional Credits from this offer will be valid for 12 months from the date of issue. Subject to Travel Fund Terms and Conditions. Subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. $450 annual Card fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

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                                                                                      Money Pty Ltd (trading as Money) (ABN 42 626 094 773) Australian Credit Licence 528698 provides information about credit products. Money does not compare all products or issuers available in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. We may receive a commission when you apply for a home loan as a result of outbound links on this website.

                                                                                      This material has been prepared by Money Pty Limited (ABN 40 664 954 536) (Money, ‘us’ or ‘we’). Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C). The material is for general information only and is not an offer for the purchase or sale of any financial product or service. The material is not intended to provide you with financial or tax advice and does not take into account your objectives, financial situation or needs. Although we believe that the material is correct, no warranty of accuracy, reliability or completeness is given, except for liability under statute which cannot be excluded. Please note that past performance may not be indicative of future performance and that no guarantee of performance, the return of capital or a particular rate of return is given by 62C, Money, any of their related body corporates or any other person. To the maximum extent possible, 62C, Money, their related body corporates or any other person do not accept any liability for any statement in this material.

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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:

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                                                                                      • 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.

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