Compare Jetstar frequent flyer cards
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1 in 3 Aussies don’t know their credit card interest rate, do you?
New research from Defence Bank has found that one in three (35 per cent) of credit card holders don’t know their interest rate. If you’re constantly being stung by credit card interest, it may be worth considering switching to a low-rate credit card.
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.
Frequently asked questions
What is the CUA credit card increase limit process?
A credit limit is pre-assigned based on factors like your income, expenses, and debt by the card-issuing company. It varies from time to time based on credit utilisation and changes to your circumstances.
If your income has increased or your liabilities have reduced, you can request for an increase of your CUA credit card limit. You can lodge the request via online banking on the website, or by visiting the closest branch, or by downloading the application form and mailing it. While making the application, you may need to provide information about your income, employment status, desired limit, and the reason for the increase. The card-issuing company will assess your request before approval.
Before you apply for an increase to the credit limit, ensure your bills are paid in full and you aren’t asking for a very steep enhancement.
How to increase your Qantas Premier credit card limit
When your income or spending habits change, you might wish to increase your credit card limit. The Qantas Premier credit card allows you to do this over the phone. You can contact Qantas Premier Card Support by calling on 1300 992 700. Unlike some other credit providers, Qantas doesn’t give you the option to increase your limit online.
Qantas will only accept your application if you have a good history of repayment and have not increased your credit or bought another credit product from Qantas in the past six months.
Before approving your Qantas Premier credit card limit increase, Qantas will perform a credit assessment on your current financial circumstances and ask why you would like to increase your credit limit.
To ensure that there are no bumps in your application process, you must provide accurate and recent information about your financial situation. You should also account for any future changes you’re anticipating which could hinder your ability to repay the loan.
Once the assessment is complete, Qantas will either approve or deny your application. If they approve it, you will need to sign a credit limit increase agreement - and you can request a written copy of the credit assessment. However, if your application is rejected, Qantas can opt not to provide a copy of the assessment.
How can I increase my credit card limit on my American Express card?
If you want to increase the credit limit on your American Express (AMEX) credit card, you will need to apply through the AMEX Online Services, or by calling the number on the back of your card. You may need to share personal information that the bank can use to assess whether the requested limit is suitable for you and your current financial status. Once your application is approved, your new limit will be ready for use within an hour.
Can a pensioner get a credit card?
It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:
- Annual income. Look for credit cards with minimum annual income requirements you can meet.
- Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee.
- Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.
What's the best credit card for rewards?
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
How do you use a credit card?
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.
What is a balance transfer credit card?
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.
How easy is it to get a credit 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.
How do you use credit cards?
A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
Which credit card has the highest annual percentage rate?
The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.
Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:
- There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
- Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
- If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.
How do you cancel a credit card?
It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
What should you do if your credit card is compromised?
Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.
Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.
Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.
Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.
How to calculate credit card interest
Credit card interest can quickly turn a manageable balance into unmovable debt. So being able to understand how interest rates translate into dollars is an important skill to acquire.
The common mistake people make is focusing on the credit card’s annual percentage rate (APR), which often sits between 15 and 20 per cent. While the APR does provide a rough idea of how much interest you’ll pay, it’s not entirely accurate.
This is because you actually accrue interest on your balance daily, not annually. So, you need to work out your daily periodic rate (DPR). To do this, divide your card’s APR by the number of days in a year (e.g. 16.9 per cent divided by 365, or 0.05 per cent). You can then apply this figure to the daily balance on your credit card.
Should I get a credit card?
Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch.
What should you do when you lose your credit card?
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.
How many numbers are on a credit card?
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
How do you apply for a credit card?
You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.
How is credit card interest charged?
Your credit card will be charged interest when you don’t pay off the balance on your credit card. Your card provider or bank charges you the individual interest rate that is associated with your card, which is usually between 10 and 20 per cent.
The interest will be added onto your bill each month or billing period if you don’t pay off the balance, unless you are in an interest-free period.
You will be charged interest on anything that hasn’t been paid for inside the interest-free period. Usually you will receive a notice on your bill or statement saying you will be charged interest so you have some form of notice before you’re charged.
How to get a free credit card
There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.
However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.
How to get a credit card for the first time
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.