Compare Qantas Points earning credit cards

Average annual fee is $300

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Credit card
Bonus points
Earn rate
Annual fee
$450 Qantas Travel Credit^ 
  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
100,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
Up to 120,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295 + $75 p.a if you opt in to earn Qantas Points
  • Enjoy five complimentary insurances 

  • NAB Concierge Service 

Bonus points
Up to 120,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$295 1st year fee $395 p.a thereafter
$250 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Club Lounge Invitations per year 

Bonus points
Up to 130,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • Complimentary International Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 0.66 PTS per $1 spent
Annual fee
$150 1st year fee $250 p.a thereafter
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 80,000 PTS Incl. 20,000 PTS for first-time cardholders
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter
  • Complimentary Travel Insurance 

  • Two complimentary airport lounge visits 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$350 1st year fee
  • Complimentary Travel Insurance 

Bonus points
Up to 80,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $175 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
  • Uncapped Qantas Points earning potential

  • Complimentary International Travel Insurance 

Bonus points
Up to 40,000 PTS
Earn rate
Up to 0.8 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $60 p.a. Qantas Points opt in fee
$100 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • Complimentary Travel Insurance 

Bonus points
75,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$295
  • Additional cardholder for no extra fee

  • Platinum Visa Concierge 

Bonus points
50,000 PTS Plus 10,000 PTS p.a
Earn rate
1 PT per $1 spent
Annual fee
$299
  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
N/A
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $60 p.a. Qantas Points opt in fee
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
  • Complimentary Travel Insurance 

Bonus points
40,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$129 +$49 p.a. if you opt in to earn Qantas Points
  • Up to 4 Additional Cardholders for no extra fee 

  • Uncapped Qantas Points earning potential

Bonus points
N/A
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0
  • 0% p.a. Balance Transfer for 12 months 

  • Additional cardholders for no extra fee  

Bonus points
N/A
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$0 1st year fee $299 thereafter
  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 50,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$160
  • Up to 55 days interest free period 

  • 0% p.a. for 12 months on Balance Transfers 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$49
  • 4th night free at participating hotels 

  • Unlimited airport lounge access with Priority Pass™ 

Bonus points
100,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$749
  • 20% bonus Status Credits on Qantas flights 

  • 10% discounted base fare for Qantas flights 

Bonus points
150,000 PTS
Earn rate
Up to  2 PTS per $1 spent
Annual fee
$1,200
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • 2 Qantas Club Lounge Invitations per year  

  • Complimentary Travel Insurance 

Bonus points
20,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$249
  • 0% p.a. on Balance Transfers  

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS per $1 spent
Annual fee
$149
  • Up to 55 days interest free period 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$199
  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
20,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$400
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
N/A
Earn rate
Up to 1 PT per $1 spent
Annual fee
$150
  • Uncapped Qantas Points earning potential  

  • Qantas Business Rewards Level 2 Advance 

Bonus points
100,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0 first year fee $300p.a. + $75p.a. per card, thereafter
  • Up to 51 days to pay for purchases 

  • 2 Domestic Qantas Club Lounge Invitations 

Bonus points
150,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
  • Up to 99 additional cardholders

  • Qantas Business Rewards membership 

Bonus points
N/A
Earn rate
Up to 0.5 PTS per $1 spent
Annual fee
$150
  • Eligible government payments earn 0.66 PTS per $1 spent 

  • Up to 44 days interest free period 

Bonus points
150,000 PTS
Earn rate
0.66 PTS per $1 spent
Annual fee
$295
  • Up to 55 days interest free period 

  • A range of complimentary insurances 

Bonus points
25,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$89
  • Extra control with Lock, Block, Limit 

Bonus points
N/A
Earn rate
0.4 PTS per $1 spent
Annual fee
$100+ $30 p.a if you opt in to earn Qantas Points
  • Complimentary International Travel Insurance 

  • Extra control with Lock, Block, Limit 

Bonus points
N/A
Earn rate
0.4 PTS per $1 spent
Annual fee
$300+ $30 p.a if you opt in to earn Qantas Points

You may be interested in:

Save on a Qantas Money Home Loan with our new lowered fixed and investor rates

Save on a Qantas Money Home Loan with our new lowered fixed and investor rates

Whether you’re an owner or investor, we’ve lowered all our fixed and investor rates for new home loans*

External link
Earn 10,000 bonus Qantas Points with Superhero

Earn 10,000 bonus Qantas Points with Superhero

Earn 10,000 bonus Qantas Points when you transfer $10,000 of your existing Australian or U.S shares to Superhero with a minimum transfer. Ends 30 June 2024. Terms and Conditions Apply.

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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.

External link

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.