Compare Qantas frequent flyer credit cards
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There are rewards credit cards out there for big spenders, regular shoppers, and of course, frequent flyers. If you enjoy regular air travel in Australia, or overseas adventures, then a Qantas frequent flyer credit card may interest you.
In partnership with several different banks and other credit card providers, Qantas offers a rewards program with a range of different benefits to choose from. These include flights and upgrades with Qantas and partner airlines, as well as a variety of shopping options.
When you're comparing Qantas frequent flyer credit cards, it’s important to look at more than just the reward points. Consider the interest rate, fees, and other features and benefits too, so you can confidently choose a card that should match your financial needs.
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How can I earn Qantas Points on a credit card?
There are two main ways to get Qantas Points using a rewards credit card:
- Earning on your spending: For every dollar you spend on eligible purchases using a Qantas frequent flyer credit card, you can earn a certain number of Qantas points. The more you spend, the more points you can potentially earn.
- Bonus offers: Some rewards credit cards offer bonus points as introductory offers, or when you fulfil certain terms and conditions, such as spending a minimum amount per year.
You may also be able to link other financial products and services with Qantas Rewards, and earn points on your home loan, car loan, savings account or bank account with selected banks.
What is eligible spending?
Generally, you can only earn reward points when purchasing products and services with your credit card. Depending on your lender, you may not earn points when you use your credit card to pay bills, to make cash advances, or to gamble.
How many points can I earn?
Some rewards credit cards have points caps. These limit the maximum number of points you can earn with the card. Once you reach you points cap, you won’t earn more points until you redeem the point balance you already have.
How can I use my reward points from a Qantas frequent flyer credit card?
Points earned on your Qantas frequent flyer credit card can be spent on flights and travel upgrades with Qantas or one of its partner airlines.
Qantas Points can also be used at the Qantas Store to purchase a range of household items, from electronics and appliances to gifts and fashion accessories. Qantas points can also be redeemed for donations to a range of charities, or used to book hotels stays or holiday experiences.
How to compare Qantas frequent flyer credit cards
Some important credit card features to compare include:
- Earn rate: How many points per dollar you can earn on eligible spending with your credit card
- Bonus points: How many points you can receive as an introductory offer, or by fulfilling bonus terms and conditions
- Points cap: The maximum number of points you can earn on a card before you need to start spending them.
- Interest rate: How much extra you’ll be charged on purchases if you don’t clear your card balance on time. Rewards credit cards often have higher rates than more basic credit cards.
- Annual fee: A charge you’ll pay each year to your card provider. Rewards credit cards often have higher fees than more basic credit cards.
- Interest-free days: How long you’ll have each billing cycle (often monthly) to clear your credit card balance. If you can reliably pay off your card within this interest-free period (often 45 to 55 days), you can avoid being charged interest on your purchases.
Who are Qantas frequent flyer credit cards good for?
Before you apply for a Qantas frequent flyer credit card, think about if you’re interested in the rewards that are available. If you regularly fly with Qantas or its partner airlines, you may enjoy the value of Qantas Points.
One way to work out if a Qantas frequent flyer card may be right for you is to calculate how many reward points you may earn through your regular spending. Next, compare the value of the rewards you could redeem to the cost of the credit card’s fees. If it looks like you’d pay more in fees than you’d likely earn in rewards, then the card may not provide much value to you.
It’s also important to think about if you can afford to pay off your credit card in full each month. If you’re likely to leave money owing on your card, you may be charged interest on this amount. The cost of these interest charges could outweigh the value of any reward points you’d earn. To help minimise your interest charges, you may want to also consider credit cards with lower interest rates, though these may not offer reward points.
Who can get a Qantas frequent flyer credit card?
To apply for most Qantas frequent flyer credit cards, you must:
- Be at least 18 years old
- Be an Australian permanent resident
- Have an Australian residential address and phone number
- Be a Qantas Frequent Flyer member
Some Qantas reward cards may have additional eligibility criteria, such as earning a minimum income per year.
Typically, the more rewards and benefits are available on a card, the more difficult it may be to successfully apply for the card. Different lenders use different eligibility requirements for their rewards credit cards, so check with the card provider before you apply.
Personal Finance Writer
Alex is a personal finance writer and PR professional at RateCity, and has been writing about finance for over three years. She is passionate about closing the gender pay and superannuation gap, and aims to help young Aussies to overcome their financial apathy and better manage their finances. Alex has been published in numerous print and online outlets, including Money Magazine, Lifehacker Australia, and Business Insider.