Compare Qantas Frequent Flyer cards
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Are you an avid traveller or a points chaser? Are you looking to get the best bang for your buck for your next trip? You may be considering joining a rewards program that lets you earn Qantas Frequent Flyer Points.
There are a range of credit cards from big banks to smaller providers that allow you to earn Qantas Frequent Flyer Points. The Qantas Points you earn on flights or purchases can be redeemed for flight rewards, travel perks and merchandise through the Qantas store.
When it comes to choosing the right reward program for you, it pays to do your research. That’s why RateCity has created this Qantas Frequent Flyer Points guide to help simplify your search.
What are Qantas Frequent Flyer Points?
Qantas Frequent Flyer Points are a brand-specific type of rewards program that can be earned and exchanged for Qantas rewards.
Credit card reward programs, like the Qantas Frequent Flyer program, are designed to encourage bigger spending, so they are not without their own level of risk. Spending money for the sake of earning points may find even the most budget-conscious of us falling into bad debt habits.
However, if the credit card is used responsibly and you ensure your balance is paid in full each statement period, you may enjoy some serious benefits.
Australians who prefer to travel with Qantas, or are seeking to climb the ranks of membership, may consider using a Qantas Frequent Flyer credit card to help them earn points through everyday spending.
Do you need to be a Qantas member to earn points?
Short answer, yes. You must be a Qantas Frequent Flyer to earn and use Qantas Points. After all, if your credit card spending is earning you points towards a program you don’t use or are not a member of, it may be time to consider switching cards.
Within the Qantas Frequent Flyer program, there are five tiers of membership:
- Platinum One
To reach the higher tiers of membership, you’ll need to earn enough Status Credits. Status Credits are generally based on the distance flown and are typically earned through flying with Qantas or affiliated airline partners, including as Cathay Pacific, Qatar Airways, American Airlines and British Airways.
Starting at Bronze, the higher you move up the Qantas Frequent Flyer membership tiers, the greater the rewards. However, these rewards can also be claimed by earning a number of Qantas Frequent Flyer Points through your credit card and exchanging them for the same travel bonuses.
What Qantas Frequent Flyer Points can be used for
There are a range of perks that Qantas Frequent Flyer Points can be exchanged for. These may include:
- Flights, including upgrades
- Hotels, including room upgrades
- Rental cars
- Shopping in affiliated stores, including electronics, white goods, kids’ toys, beauty products and more
- Food and wine
- Travel insurance
- Health insurance
How Qantas Frequent Flyer Points are earned
The main ways to earn Qantas Points with a credit card are by choosing a direct earning card or a card that lets you opt-in to earn Qantas Points.
Direct earning cards are a type of credit card that automatically earns you Qantas Points on your spending, generally on a dollar for point basis. Your chosen credit card may even be called a Qantas Rewards card.
Opt-in credit cards may give you the choice to earn Qantas Frequent Flyer Points instead of the card’s standard rewards points. The credit card provider will often have its own rewards program in which points can be exchanged for merchandise, like electronics or appliances. However, some will also be affiliated with Qantas, and allow you to turn your earned points into Qantas Frequent Flyer Points.
In terms of how the credit card actually accumulates points, there are two main ways:
- Dollar to point ratio. Rewards points credit cards will come with their own earn rates, which is the number of points each dollar you spend earns you. Generally, this may be between 0.5 – 3 points per dollar spent. The earn rate will differ depending on the credit card provider.
- Bonus points. Credit card providers may offer incentives to new customers to get them on the books, including large bonus point offerings. These can climb as high as 200,000 points. The bonus points may be the equivalent of a flight from Sydney to Melbourne, or even Sydney to Los Angeles, depending on the size of the offer.
Keep in mind that not all point earning is endless, and some credit card providers do cap the number of points that can be earned in a statement period or even a financial year. Points on some cards may be expired if not spent within a certain period of time. If you’re looking to earn as many points as possible, you may want to consider avoiding credit cards with points caps.
Will I earn points every time I use my credit card?
No, you won’t earn Qantas Frequent Flyer Points every time you use your credit card. That is because your credit card provider will stipulate what makes up an eligible purchase in its terms and conditions.
The type of transactions that won’t qualify as an eligible purchase may include:
- Cash advances
- Balance transfers
- Interest charges
- Loan repayments
- Spending on gambling
- Refunded transactions
- Gift cards
- Credit card fees
- BPAY payments
- Government charges (ATO payments, stamp duty etc.)
To find what credit card transactions are eligible purchases for earning Qantas Frequent Flyer Points, you will need to check the cards terms and conditions.
Qantas works with a number of affiliated stores to allow customers to earn Frequent Flyer Points just by spending there. Your credit card provider will also do the same, allowing you to earn points by spending money in these stores. Always check which stores may help you earn rewards points before you start tapping that plastic.
How to compare Qantas Frequent Flyer credit cards
Now you know how to earn Qantas Points and what they can be exchanged for, you may be wondering how to begin comparing the multitude of Qantas Frequent Flyer credit cards on the market.
There are a few key credit card components you should always compare when searching for your next card:
|Credit card feature||About|
|Purchase rate||The rate at which you are charged interest on your purchases. One of the biggest determining factors to the overall cost and potential debt of your card. Interest is charged per annum (pa) and can be anywhere from 7 per cent to 25 per cent.|
|Cash advance rate||The interest rate you are charged when you withdraw cash from your card, typically from an ATM.|
|Annual fee||May sit around $100 but can climb as high as $1,200. Annual fees are to be expected with rewards credit cards, as they are said to help pay for the rewards programs.|
|Interest-free period||The length of time in which you must repay your outstanding card balance before you’re charged interest on purchases. Typically run around 45-55 days from the start of each month’s billing cycle.|
|Minimum repayment amount||Minimum amount you must pay each month. This may be a fixed amount, like $20, or a percentage of the balance owing, typically 2-3 per cent.|
When it comes to Qantas Frequent Flyer credit card comparison, during your search you may also want to ask yourself the following questions:
- How easy is it to redeem the points?
- What is the dollar-to-point ratio?
- Are there any caps on points?
- Will the points expire?
- Will you be able to earn the points required? I.e. will you naturally spend money in the affiliated stores, on flights or even groceries to qualify?
Case study – Dom the frequent flyer
Dom travels for work almost every single week, flying between Sydney and Brisbane. His airline of choice is Qantas, and he’s decided it’s time to shop around for a new credit card that will earn him Qantas Frequent Flyer Points.
There are a few things Dom is keeping in mind for his search. He wants a card with a high earn rate as he will use it to buy his flights each week. He also doesn’t want an outrageous annual fee, so is looking to keep that cost down if possible. He also wants to avoid cards with points capping.
Dom’s wife will also use the card for the weekly grocery shop, so he ensures the card provider does not charge for supplementary cards. He also checks the terms and conditions to ensure that spending in their favourite grocer will earn them rewards points.
He chooses a card with a huge sign-up bonus, giving him enough Qantas Frequent Flyer Points to travel from Sydney to Brisbane return for free. But Dom saves those points and earns more through his and his wife’s spending. He saves enough points to take her on a surprise holiday to the Whitsundays. Once they reach this threshold, Dom purchases the flights and exchanges the Qantas Points for upgraded seats, plus a discount on the hotel room and a bottle of wine on arrival.
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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.
Frequently asked questions
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.
Increase your credit card limit with Westpac
A credit card can be a useful tool to access extra cash when you need it. Sometimes you may wish to increase your credit card limit for greater financial flexibility. For example, to realize your immediate goals faster, such as planning for an international holiday or making a big purchase.
You can apply to increase your credit limit at any time, and most credit card providers have made it really easy to do so. You can use your online banking portal, the credit card provider’s mobile app, or even the telephone.
Applying online to increase your credit limit with Westpac is the easiest option if you’ve already activated Westpac Live Online Banking. All you need to do is fill in the required information and then hit ‘submit’ to apply for an increase in your credit card limit.
Most banks will ask for details of your financial situation at the time of applying for a credit increase. This is done to ensure your new limit meets the lender’s criteria.
You can apply for increasing your credit limit in any of the following ways:
- Visiting your nearest Westpac branch
- Calling Westpac on 1300 651 089
- Logging in on Westpac Live Online Banking
Current Interest Rate
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.
Does ING increase credit card limits?
You may want to increase your credit card limit for many reasons, such as having access to more spending money. However, if you are using the Orange One credit card issued by ING, you may not be able to do so.
ING customers can choose a credit limit of their preference when applying for the Orange One credit card. Depending on your financial situation, this limit can be anywhere between $1,000 and $30,000. If you qualify for a Rewards Platinum card, the minimum credit card limit will likely be $6,000.
Ideally, you should set your credit card limit knowing how much you can afford to repay each month and keep your expenses lower than this level. With most credit cards, you should have the option of requesting a credit card limit increase at a later time, although you will need to qualify for any increase. With an ING credit card, limit increases are out of the question (at the time this was published), which means you may want to apply for a higher credit card limit from the beginning. Remember that you have the option of decreasing your ING credit card limit at a later time.
Current Annual Fees
What does ANZ credit card insurance cover?
ANZ offers complimentary insurance on some of its credit cards, which can provide some protection against unforeseeable incidents, like the theft of your card. Depending on the type of credit card you own, you may be eligible for different insurances. For instance, most ANZ credit card customers may qualify for Purchase Protection Insurance and Extended Warranty Insurance. Customers who own premium credit cards may also be eligible for Guaranteed Pricing, Rental Vehicle Excess, International Travel, and so on.
Consider checking your ANZ credit card insurance features listed in the Insurance Policy Information booklet to know which items are covered. Also, while ANZ issued the credit card, they are not the insurer. For this reason, you may need to send your insurance claims - and get your ANZ credit card insurance refund - to the insurance provider.
How do I apply for a credit card online?
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.
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.
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 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 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.
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.
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 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.
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 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.
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 does ANZ increase my credit card limit?
If you’re the primary cardholder on an ANZ credit card, you can increase your credit limit by logging into your credit card account and choosing the “Increase your credit limit” option. You can also submit an ANZ credit card limit increase application form by visiting any ANZ branch or by mail or fax. When completing the form, it's important to remember to specify how much you want the limit increased. You can estimate this by first calculating the amount of credit card debt you can afford to repay based on your income and expenses, and then declaring that in your application.
Irrespective of whether you’re completing your ANZ credit card limit increase application online or in print, you’ll need to provide updated employment information, income, and expenses, which the company will have to verify. You'll also need to authorise ANZ’s access to your credit history, as your current credit score and recent credit history tell the company about your financial responsibility, and whether or not you'll be able to repay the additional debt you’re applying for.
In some cases, ANZ may ask you for additional information, or the agent processing the application may reach out to you after your application is received. After verifying your credit score as well as your personal and financial information, however, ANZ may approve a credit card limit increase proportionate to your repaying ability, though it may not be the same as the increase you requested.