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Qantas’s budget offshoot, Jetstar, offers credit card holders who are passionate about flying the chance to cash in on everyday purchases.
Thanks to the airline’s affiliation with heavyweight Qantas, you have the choice of earning Jetstar Dollars or Qantas Points.
With the added incentive of interest-free days, its promotional balance transfer offer and complimentary travel insurance deals, these can be ways to save money on credit cards.
Jetstar credit card options
The Jetstar MasterCard is the standard product but the Platinum MasterCard cranks it up with a higher earning rate while offering more privileges. Consumers can earn Jetstar Dollars or Qantas Points on everyday purchases and these can be redeemed later as Jetstar travel vouchers or flights with Qantas and its partners.
Jetstar rewards cards
You earn points with the Jetstar MasterCard and Jetstar Platinum MasterCard as you go. You choose either Qantas Points or Jetstar Dollars. The earning rates vary and you must note that the Qantas loyalty gig comes with a fee.
The Platinum MasterCard has more earning power but it also comes with a higher annual fee than your standard Jetstar MasterCard.
Jetstar platinum cards
The Jetstar Platinum MasterCard offers higher rewards, complimentary travel insurance and purchase insurance. This card also gives you the bonus of a concierge service that could be anything from being your personal assistant booking travel plans to restaurant reservations. This premium credit card attracts a higher annual fee than the Jetstar MasterCard so it would pay to seriously assess that the costs don’t outweigh the actual benefits. The Jetstar MasterCard has an annual fee of $69 and has a 14.99 per cent interest rate on purchases, while its platinum sibling costs $169 per year to maintain and attracts an interest rate of 19.99 per cent.
Benefits with Jetstar
Both these Jetstar credit cards can yield value for money, but it does come down to individual need. These cards do entitle you to some distinctive Jetstar privileges:
You will receive 1 Jetstar Dollar for every $100 spent. The Jetstar MasterCard holder then receives a $100 Jetstar flight voucher once you acquire 100 Jetstar Dollars. The Platinum cardholder will collect 1 Jetstar Dollar per $50 spent (up to $2,500 per statement, after which it dips to 1 Jetstar Dollar per $100). Platinum consumers will receive a $200 travel voucher once they have accumulated 200 Jetstar Dollars. Jetstar then gives you up to six months to use the voucher to pay towards your travel. You can earn up to 500 Jetstar Dollars per year with your Jetstar MasterCard; and up to 2,500 Jetstar Dollars and up to 100,000 Qantas frequent flyer points with the Platinum version.
Qantas frequent flyer program
The Jetstar credit cards offer you the chance to clock up rewards with the Qantas Frequent Flyer program. You can redeem your points for flight rewards with Qantas and its airline partners and also have access to products from the Qantas store which includes Qantas Hotels and Qantas Insurance. You can also transfer your Qantas Points from your frequent flyer account to an eligible family member’s account.
Using a Jetstar MasterCard will give you accessibility to over 30 million merchants in over 200 countries and about 1.5 million ATMs.
Avoid transaction fees
By using a Jetstar credit card to book a Jetstar flight, you will be exempt from paying credit card or debit card transaction fees.
You will have a buffer of up to 55 days for interest-free purchases if your balance is paid before the statement period ends.
Redeeming your Jetstar Dollars
When you have accumulated 100 Jetstar Dollars with a Jetstar MasterCard or 200 Jetstar Dollars with a Jetstar Platinum, they will be converted into travel vouchers worth $100 or $200. You can use your travel vouchers for bookings by following this guide:
- Go to Jetstar.com and follow the prompts to enable your booking.
- Click on “use a voucher or gift card” when you are on the payment page.
- Enter your voucher number and click on “apply”.
Are there any conditions with Jetstar credit cards?
There are some terms and conditions tailored around the Jetstar travel vouchers:
- The Jetstar vouchers have a shelf life of six months for bookings.
- All travel is subject to flight availability at the time of your booking and Jetstar’s conditions of carriage.
- Jetstar travel vouchers can only be used for holiday accessories when they are booked in conjunction with a Jetstar flight. The vouchers can be used to pay for flights and holiday packages including accommodation, transfers, insurance, taxes, fun activities or any charges related to internet or call centre bookings.
- If your booking costs outweigh the worth of your vouchers, the remaining balance can be fixed by credit card, debit card, PayPal or POLi.
What are the eligibility criteria for Jetstar credit cards?
Income: Both cards require you have a minimum annual taxable income of $30,000.
Residential status: You must be either an Australian citizen or a permanent resident. Temporary residents don't make the cut.
Legal age: You must be 18 years or older to be eligible.
Credit rating: You must have a good credit rating to qualify for a Jetstar credit card. Your card limits will be based on your financial status.
Where does Jetstar fly to?
Jetstar services up to 20 domestic centres and also flies to overseas destinations like Indonesia, Honolulu, New Zealand, Singapore, Macau, Japan, Myanmar, Cambodia, Malaysia, Thailand, Philippines and Vietnam. With the added benefit of the Qantas frequent flyer program consumers, can also hook up with Qantas partners like British Airways, Emirates and American Airlines to travel further.
Virgin Australia Velocity Flyer cards
There are many other comparable frequent flyer options on the market like Jetstar rival Virgin Australia’s Velocity Flyer card. Budget carrier Tigerair is on Virgin’s bandwagon so that helps add value to Virgin’s Velocity credit cards.
The Virgin Australia Velocity Flyer Card comes with a $129 annual fee but a higher purchase interest rate of 20.74 per cent per annum, and like the Jetstar credit cards no rewards are eaned through cash advances.
Velocity’s interest-free period is capped at 44 days provided you don’t have an outstanding balance. To be eligible for this credit card one must earn at least $35,000.
Virgin Australia’s Velocity High Flyer is targeted at the more serious traveller. It costs $289 in yearly fees and one will need to earn $75,000 per annum to be eligible. This card comes with perks that include complimentary travel insurance, access to Virgin Australia’s domestic lounge, extended warranty on purchases or up to 12 months, personal concierge, fraud shield and transit accident insurance.
Credit card currency conversion
For the frequent traveller, it also pays to check if your credit card will incur currency conversion charges (up to 4 per cent) while making purchases overseas. There are credit cards on the market that waive this fee, and for the well-travelled big-spender this can translate into substantial savings. As the use of personal cheques declines in the evolving Australian payments system, it pays to shop around and be armed with a credit card that suits your needs and budget.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.
However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.
Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.
There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.
Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.
If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.
Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.
When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
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Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.