Compare Qantas Points earning credit cards

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Open the door to up to 125,000 bonus Qantas Points

Open the door to up to 125,000 bonus Qantas Points

Choose a La Trobe Financial Eligible Residential Loan and you could earn up to 125,000 bonus Qantas Points over five years when you settle on a loan of $100,000 or more**. T&Cs and eligibility apply.

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50,000 Qantas Points with Citi Ready Credit

50,000 Qantas Points with Citi Ready Credit

Citi Ready Credit is a line of credit with a predetermined limit that gives you access to funds when you need them. Earn 50,000 Qantas Points when you request the transfer of $5,000 or more to your bank account within 3 months of approval. Plus, enjoy a low rate of 8.9% p.a. for 5 years on the initial balance you request transferred to your bank account*. Eligibility criteria, T&Cs, fees and charges apply. Rate reverts to standard variable rate.

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Fix. Prepay. Earn Qantas Points with Leveraged.

Fix. Prepay. Earn Qantas Points with Leveraged.

Earn 20,000 Qantas Points pro-rated for every $100,000 of the loan you fix and prepay the interest on a 12-month term on your margin loan with Leveraged#. Open a new margin loan facility by 21 June 2024, and complete the Fix and Prepay Interest application form with your Qantas Frequent Flyer membership details by 28 June 2024 to opt-in to the offer. Eligibility, lending criteria and terms and conditions apply.

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How you can compare credit cards

When it comes to choosing a credit card, there’s a wide range in the Australian market for you to choose from. While this means plenty of choice, it also means that it can be difficult to choose one option. So, when comparing cards, the most important thing to ask yourself, is ‘what are the main things I want from a credit card?’ Given you're on our site, we're guessing that Qantas Points are important to you, but what about a low annual fee? Rewards? Or maybe it’s a low-interest rate? Here’s some information that will help you narrow down the best credit card for points and your needs.

What is a credit card?

What is a credit card?

A credit card allows you to borrow money from a bank to make purchases. As long as you pay back the money you borrow within the interest-free period (usually between 45 and 55 days), you don’t have to pay any extra. If you don’t pay back the money within that time, interest will accrue. Besides offering greater spending power and financial flexibility, some credit cards also let you earn points on your spend - points you can then use to redeem for rewards, like flights, hotels and other products.

Differences between a credit and debit card

Differences between a credit and debit card

Different payment methods suit different situations, which is why many people have both a credit card and a debit card. The main difference between a credit card and a debit card is that with a debit card, you are spending your own money from your bank account; while a credit card allows you to borrow money and repay it later. Credit cards may also charge interest if you don’t pay your card off within the interest-free period.

Types of credit cards

Types of credit cards

There are two main types of credit cards - personal use credit cards and credit cards specially for business. The key difference is that business credit cards - as the name suggests - are designed for business use, while personal credit cards can be used by anyone. Within the personal use category, there are numerous types of credit cards that focus on different features and benefits, for example, low rate credit cards.

Which are the major credit card providers?

Which are the major credit card providers?

If you’ve been wondering which credit card provider to choose, for example, Visa, Mastercard or American Express; it pays to do a little comparative research to see which is the right one for you. All of the major banks including Westpac, ANZ, NAB CommBank and more, offer Qantas Points earning credit cards. Compare each bank’s card rates and benefits to determine which is the best card to suit your needs.

Other benefits to consider

Other benefits to consider

When comparing the best credit card for you, other than the interest rate, other benefits you may want to consider include whether or not your card offers Lounge Invitations, what the currency conversion rate is and whether it offers travel insurance or travel credits/discounts.

Apple Pay, Google Pay and Samsung Pay

Apple Pay, Google Pay and Samsung Pay

The three biggest options for mobile payment systems are Apple Pay, Google Pay and Samsung Pay. They all turn your smartphone (and some smartwatches) into a mobile wallet so you can pay for purchases without a physical credit card or cash. Google Pay is made for Android phones, Apple Pay works with iPhones and iPads, and Samsung Pay is geared for Samsung devices. Just go with the system you already use - that means Apple Pay if you have an iPhone and Google Pay or Samsung Pay if you have an Android device.

Did you know?

You can sort, filter and compare up to 3 credit cards at a time so that you can find the one that’s right for you

1. Click the ‘Sort by’ button to sort the cards in the order of your choosing

1. Click the ‘Sort by’ button to sort the cards in the order of your choosing

2. Click the ‘Filter’ button to add specific card features or benefits you want

2. Click the ‘Filter’ button to add specific card features or benefits you want

3. Tick the ‘Compare’ box on up to 3 credit cards of your choice to view the relevant card information in the table

3. Tick the ‘Compare’ box on up to 3 credit cards of your choice to view the relevant card information in the table

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.

^Estimated points calculations:

- Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

- Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

- Include points capping and points tiers, if applicable.

- Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:
  • Major Restaurants, Cafes and Hotels (6%),
  • Major Petrol outlets, Supermarkets and National retailers (16%)
  • Utilities (3%)
  • All other spend (75%)

- Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Money Premier Platinum credit card where these bonus points are always available).

- Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.