There are many different types of credit card reward programs in Australia. Some of the most well-known reward cards are frequent flyer rewards, which offer a host of travel-related freebies.

Smart shoppers should make a thorough comparison of frequent flyer rewards cards to make sure they choose one that will suit their needs. This can help you enjoy more benefits from frequent flyer rewards, and also get a credit card that suits the way you shop.

Find and compare frequent flyer reward credit cards

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Product Name Card
Purchase Rate
Points Per $1 Spend
Points Earned
Annual Fee
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Purchase Rate

20.74%

Up to 0.66
earn 0.66 points for $1 Visa
eligible transactions
Points Per $1 Spend
1500
over 12 months (approx.)

Annual Fee

$64

for 12 months then $129

More details

Purchase Rate

20.24%

Up to 2
earn 2 points for $1 Visa
eligible purchases
Points Per $1 Spend
5000
over 12 months (approx.)

Annual Fee

$375

More details

Purchase Rate

20.24%

Up to 1.5
earn 1.5 points for $1 Visa
eligible purchases
Points Per $1 Spend
2000
over 12 months (approx.)

Annual Fee

$95

More details

Purchase Rate

20.24%

Up to 0.75
earn 0.75 points for $1 Visa
eligible purchases
Points Per $1 Spend
3000
over 12 months (approx.)

Annual Fee

$295

More details

Purchase Rate

20.24%

Up to 1
earn 1 point for $1 Visa
eligible purchases
Points Per $1 Spend
7500
over 12 months (approx.)

Annual Fee

$425

More details

Purchase Rate

20.24%

Up to 0.5
earn 0.5 points for $1 Visa
eligible purchases
Points Per $1 Spend
500
over 12 months (approx.)

Annual Fee

$95

More details

Purchase Rate

20.74%

Up to 3
earn 3 points for $1 AMEX
major supermarkets and petrol stations
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

20.74%

Up to 3
earn 3 points for $1 AMEX
major supermarkets
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$195

More details

Purchase Rate

20.74%

Up to 4
earn 4 points for $1 AMEX
David Jones
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$295

More details

Purchase Rate

14.99%

Up to 1.25
earn 1.25 points for $1 AMEX
all other eligible purchases
Points Per $1 Spend
75000
over 12 months (approx.)

Annual Fee

$0

More details

Purchase Rate

20.74%

Up to 2
earn 2 points for $1 AMEX
all other eligible purchases
Points Per $1 Spend
120000
over 12 months (approx.)

Annual Fee

$395

More details

Purchase Rate

20.74%

Up to 1.5
earn 1.5 points for $1 AMEX
major supermarkets and petrol stations
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

20.74%

Up to 2.25
earn 2.25 points for $1 AMEX
Qantas products and services in Australia
Points Per $1 Spend
75000
over 12 months (approx.)

Annual Fee

$450

More details

Purchase Rate

20.74%

Up to 1
earn 1 point for $1 AMEX
all eligible Qantas products and services in Australia
Points Per $1 Spend
45000
over 12 months (approx.)

Annual Fee

$249

More details

Purchase Rate

20.74%

Up to 1.75
earn 1.75 points for $1 AMEX
all eligible Qantas products and services in Australia
Points Per $1 Spend
45000
over 12 months (approx.)

Annual Fee

$0

More details

Purchase Rate

20.74%

Up to 2
earn 2 points for $1 AMEX
David Jones
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$295

More details

Purchase Rate

20.74%

Up to 2.25
earn 2.25 points for $1 AMEX
all eligible purchases with Virgin Australia in Australia
Points Per $1 Spend
75000
over 12 months (approx.)

Annual Fee

$375

More details

Purchase Rate

20.74%

Up to 1.75
earn 1.75 points for $1 AMEX
all eligible purchases with Virgin Australia in Australia
Points Per $1 Spend
45000
over 12 months (approx.)

Annual Fee

$0

More details

Purchase Rate

20.24%

1
uncapped
earn 1 point for $1 Mastercard
eligible transactions
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$99

for 12 months then $129

More details

Purchase Rate

18.24%

0.75
capped at
20000/undefined
earn 0.75 points for $1 Visa
eligible purchases
Points Per $1 Spend
20000
over 12 months (approx.)

Annual Fee

$189

More details

Purchase Rate

19.74%

0.5
uncapped
earn 0.5 points for $1 Visa
eligible purchases
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$79

More details

Purchase Rate

19.74%

0.5
uncapped
earn 0.5 points for $1 Visa
eligible purchases
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

19.74%

0.75
uncapped
earn 0.75 points for $1 Visa
eligible purchases
Points Per $1 Spend
45000
over 12 months (approx.)

Annual Fee

$279

More details

Purchase Rate

19.74%

1
uncapped
earn 1 point for $1 Visa
eligible purchases
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$79

More details

Purchase Rate

0.00%

for 7 months then 19.74%

1
uncapped
earn 1 point for $1 Visa
eligible purchases
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$0

for 12 months then $99

More details

Purchase Rate

19.74%

1.5
uncapped
earn 1.5 points for $1 Visa
eligible purchases
Points Per $1 Spend
90000
over 12 months (approx.)

Annual Fee

$139

for 12 months then $279

More details

Purchase Rate

19.74%

0.5
uncapped
earn 0.5 points for $1 Visa
eligible transactions
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$79

More details

Purchase Rate

19.74%

0.5
uncapped
earn 0.5 points for $1 Visa
eligible domestic and international transactions
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

19.74%

0.75
uncapped
earn 0.75 points for $1 Visa
eligible domestic and international transactions
Points Per $1 Spend
45000
over 12 months (approx.)

Annual Fee

$279

More details

Purchase Rate

19.74%

1
uncapped
earn 1 point for $1 Visa
eligible transactions
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$79

More details

Purchase Rate

0.00%

for 7 months then 19.74%

1
uncapped
earn 1 point for $1 Visa
eligible domestic and international transactions
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$0

for 12 months then $99

More details

Purchase Rate

19.74%

1.5
uncapped
earn 1.5 points for $1 Visa
eligible domestic and international transactions
Points Per $1 Spend
90000
over 12 months (approx.)

Annual Fee

$139

for 12 months then $279

More details

Purchase Rate

20.49%

Up to 1
earn 1 point for $1 Mastercard
eligible transactions
Points Per $1 Spend
5000
over 12 months (approx.)

Annual Fee

$270

More details

Purchase Rate

20.49%

0.5
capped at
200000/undefined
earn 0.5 points for $1 Mastercard
eligible transactions
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$160

More details

Purchase Rate

21.49%

Up to 1.5
earn 1.5 points for $1 Mastercard
airline tickets purchased via emirates.com
Points Per $1 Spend
3000
over 12 months (approx.)

Annual Fee

$149

for 12 months then $299

More details

Purchase Rate

19.99%

Up to 3
earn 3 points for $1 Mastercard
Coles, Kmart, Target, flybuys partners, Liquorland or First Choice Liquor.
Points Per $1 Spend
120000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

19.99%

0.5
uncapped
earn 0.5 points for $1 Mastercard
eligible transactions
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$0

More details

Purchase Rate

19.99%

0.5
uncapped
earn 0.5 points for $1 Mastercard
eligible transactions
Points Per $1 Spend
30000
over 12 months (approx.)

Annual Fee

$58

More details

Purchase Rate

20.24%

1
capped at
50000/undefined
earn 1 point for $1 Mastercard
eligible transactions
Points Per $1 Spend
50000
over 12 months (approx.)

Annual Fee

$59

More details

Purchase Rate

20.24%

1
capped at
150000/undefined
earn 1 point for $1 Mastercard
eligible transactions
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$249

More details

Purchase Rate

20.24%

1.25
capped at
1000000/undefined
earn 1.25 points for $1 Mastercard
eligible transactions
Points Per $1 Spend
75000
over 12 months (approx.)

Annual Fee

$349

More details

Purchase Rate

18.74%

0.85
capped at
20000/undefined
earn 0.85 points for $1 Visa
eligible transactions
Points Per $1 Spend
20000
over 12 months (approx.)

Annual Fee

$249

More details

Purchase Rate

19.99%

Up to 1
earn 1 point for $1 Visa
eligible domestic and international purchases
Points Per $1 Spend
2500
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

19.99%

1
capped at
10000/undefined
earn 1 point for $1 Mastercard
eligible purchases
Points Per $1 Spend
10000
over 12 months (approx.)

Annual Fee

$99

More details

Purchase Rate

19.99%

Up to 1.5
earn 1.5 points for $1 Mastercard
eligible international purchases
Points Per $1 Spend
10000
over 12 months (approx.)

Annual Fee

$0

More details

Purchase Rate

20.24%

1
capped at
100000/undefined
earn 1 point for $1 Mastercard
eligible transactions
Points Per $1 Spend
60000
over 12 months (approx.)

Annual Fee

$99

for 12 months then $129

More details

Purchase Rate

20.70%

Up to 1
earn 1 point for $1 Visa
eligible purchases
Points Per $1 Spend
1000
over 12 months (approx.)

Annual Fee

$99

More details

Learn more about credit cards

What are frequent flyer rewards credit cards?

Reward credit cards allow cardholders to earn points on eligible purchases made with their credit card. These rewards points can then be exchanged for perks and rewards. The amount of points you can earn per dollar spent is called the earn rate. 

Frequent flyer rewards credit cards are a specific type of reward card, in which cardholders are rewarded with travel and international spending-related perks and rewards. Frequent flyer rewards cards can be standard rewards cards as well as platinum cards.

Traditionally, frequent flyer programs let you build up 'miles', or frequent flyer points, when flying with a specific airline, which you can use to get free or discounted tickets.

A frequent flyer rewards credit card combines these two ideas. A frequent flyer card will typically be linked to your frequent flyer account with your chosen airline. By using your frequent flyer credit card on eligible purchases, you can build up points without having to set foot on a plane until you're ready to fly.

What rewards and perks come with a frequent flyer credit card?

Some of the benefits you may be able to trade your points for include:

  • Discounted flights
  • Travel insurance
  • Hotel bookings
  • Concierge services
  • Airport lounge access and lounge passes
  • Flight upgrades
  • Baggage upgrades and priority delivery
  • Extended warranty
  • Gift cards
  • Other complimentary insurances 

You may be able to earn these frequent flyer reward points by:

  • Flying with the airline your card is linked to and their partner airlines;
  • Using your frequent flyer rewards credit card for your everyday spending; and
  • Spending money at partner supermarkets and stores.

Which frequent flyer rewards programs are available in Australia?

There are a multitude of airlines travelling to and from Australia, but only so many airlines linked to Australian frequent flyer credit cards. 

Australia's biggest airline, Qantas, is generally the most common airline you'll find connected to a frequent flyer card. Your spending may earn you Qantas points for the Qantas Rewards program and will be linked to your Qantas frequent flyer account - meaning you'll need to be a member before you join. You may be able to earn bonus Qantas points upon sign up on some credit cards, which can be exchanged for complimentary Qantas flights and upgrades, Qantas Club lounge access and more. 

Qantas frequent flyers can also exchange their Qantas points for any of the 15 linked airlines, including Jetstar, Air New Zealand, British Airways, Emirates Skywards, Cathay Pacific and more.

You will also find some frequent flyer rewards cards linked to Virgin's Velocity frequent flyer program, Singapore Airlines, and more, if you're willing to shop around. 

Cardholders can typically check their points balances through their own card account online or via their banking app, as well as through their frequent flyer account.

What are the benefits of frequent flyer rewards credit cards?

There are range of benefits of using frequent flyer rewards credit cards:

  • Flight rewards. The main benefit of frequent flyer rewards credit cards is the chance to get discounts on flights, free tickets, seat upgrades and much more. This could potentially save you a lot of money if you're a globetrotter.
  • Overseas travel insurance. Another handy perk of having a frequent flyer card is that you're generally afforded access to complimentary insurance covers, including medical, rental car and more. This can also save cardholders money, as you won't need to buy separate travel insurance coverage.
  • Waived foreign transaction fees. Some frequent flyer rewards credit cards will also allow cardholders to avoid those pesky overseas fees by waiving them, whether you're shopping online on an international website or shopping on a holiday overseas. 

Frequent flyer rewards credit cards often benefits big spenders who use the frequent flyer program to reward their normal spending behaviour. The more you spend, the more rewards you could earn. Keep in mind that annual fees tend to be higher for these types of cards, as they help to pay for the rewards programs.

It’s also important to be careful not to spend too much money while you’re chasing reward points. For those rewards to remain valuable, you should always aim to pay your card off on time, so you’re not ‘buying’ rewards with high interest charges. It’s important to maintain personal financial discipline, just as you would with a regular credit card – perhaps even more so.

What should I know about frequent flyer rewards credit cards?

Before you sign up for a frequent flyer rewards credit card, there are a few points to keep in mind:

  • Frequent flyer rewards credit cards tend to have higher interest rates and fees than more basic credit cards. Try to work out if the value of the rewards you may earn will be worth more than these extra costs, so the card can effectively “pay for itself”.
  • Read the product disclosure statement and any T&Cs so you know if there are restrictions on how you can use your points, what the earn rate and eligible purchases are, as well as the eligibility criteria to apply.
  • Check your credit history, as applicants with bad credit are less likely to be approved.

How do I carry out a frequent flyer rewards comparison?

To compare frequent flyer rewards credit cards, try to look at the following:

  • What is really being offered? what kind of rewards do you get with each card? Is the affiliated airline one you'll travel with regularly, or one you already have a frequent flyer membership with? 
  • What is the purchase rate? What interest rate will you be charged on outstanding balances after your statement period's due date? What about cash advance rates? 
  • How efficient is the point system? What is the spend criteria to earn frequent flyer points? Is it more difficult to earn rewards with some cards than it is with others? Is there a points cap, or expiry date on any points earned? Ensuring your potential card suits your financial situation and spending habits is a must.
  • Do any cards offer generous introductory rates? What interest rate will the card revert to after this introductory period - for example, is the standard variable rate much higher after the first year?
  • Is the card a Visa, Mastercard or American Express (AMEX)? Different frequent flyer rewards cards will offer different card types. 
  • What fees are involved? Does it waive foreign transaction fees, annual card fees or account keeping fees? 
  • Do you shop at the card’s partner stores? If you're rarely going to spend at any stores that earn you rewards points, it may not be worth the hassle.