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Credit card providers rewarding shoppers with Qantas points

Credit card providers rewarding shoppers with Qantas points

Australians can rack up Qantas points through everyday shopping either by using a Qantas Money credit card or a rival card that also offers Qantas points.

Qantas Money has several different credit cards, including Qantas Premier Everyday, which charges an ongoing annual fee of $49 and an interest rate of 19.99 per cent (see table below).

Here’s how your day-to-day spending translates into Qantas points with Qantas Premier Everyday:

  • Domestic spend – 0.75 points per $1 for first $3,000 of each month, 0.4 points for each additional $1 
  • International spend – 1 point per $1
  • Qantas spend – 1 bonus point per $1

American Express, ANZ, Bank of Melbourne and Bankwest are some of the other providers that offer credit cards with Qantas points.

Credit card tip

Qantas points are a nice bonus if you earn them through regular spending that you were always going to do. However, if you make unnecessary purchases just to accumulate points, you might end up in a worse financial position. Also, if you don’t pay your bill in full each statement period, the amount you pay in interest could exceed the amount you gain in Qantas points.

Sign-up bonuses may be included

Some credit cards offer sign-up bonuses to entice new customers. 

For example, in the first six months of having Qantas Money’s Qantas Premier Everyday card, cardholders can earn 7,000 points per month for spending $1,000 on eligible purchases each month, which is a total of 42,000 points.

Or by signing up for the ANZ Frequent Flyer card, cardholders can earn 25,000 bonus points by spending $1,000 on eligible purchases within the first three months.

Other kinds of incentives are also available. For example, Bank of Melbourne charges Amplify cardholders 0 per cent interest on purchases for the first 14 months. And Bankwest gives Qantas World Mastercard customers 50% off their annual fee in the first year.

Credit card tip

Rewards points are just one thing to consider when researching credit cards. You should also weigh up other criteria such as fees, interest rates, interest-free periods, credit limits and balance transfer offers, so you can find the best credit card for your situation.

ProviderCardAnnual fee (ongoing)Interest rateRewards
Qantas MoneyQantas Premier Everyday$4919.99%

Domestic spend – 0.75 points per $1 for first $3,000 of each month, 0.4 points for each additional $1 / International spend – 1 point per $1 / Qantas spend – 1 bonus point per $1

Bank of MelbourneAmplify$7919.74%0.5 points per $1
ANZFrequent Flyer$9520.24%

0.5 points per $1 for first $500 of each month, 0.25 points for each additional $1 

American ExpressDavid Jones Card$9920.74%1.5 points per $1 at major supermarkets & petrol stations, 1 point per $1 at David Jones, 0.5 points per $1 everywhere else
BankwestQantas World Mastercard$27020.49%1 point per $1 for first $5,000 of each month, 0.5 points for each additional $1
American ExpressQantas Ultimate$45020.74%Government bodies – 0.50 points per $1 / Other spending – 1.25 points per $1 / Qantas spend – 1 bonus point per $1

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