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Average annual fee is $300

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Bonus points
Earn rate
Annual fee
Estimated Qantas Points

  • Enjoy up to five complimentary insurances 

  • NAB Concierge Service 

Bonus points
Up to 120,000 PTS
Earn rate
Up to 1 PT
per $1 spent
Annual fee
$320 1st year fee $420 p.a thereafter
192,000 PTS
over
based on

  • 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
174,000 PTS
over
based on 
$200 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
202,000 PTS
over
based on

  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 80,000 PTS Incl. 30,000 points for first-time cardholders
Earn rate
Up to 1.5 PTS
per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter
152,000 PTS
over
based on 
$450 Qantas Travel Credit^

  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
50,000 PTS
Earn rate
Up to 1.25 PTS
per $1 spent
Annual fee
$450
140,000 PTS
over
based on

  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
80,000 PTS
Earn rate
0.75 PTS
per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
134,000 PTS
over
based on

  • Complimentary International Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 0.66 PTS
per $1 spent
Annual fee
$195 1st year fee $295 p.a thereafter
117,520 PTS
over
based on 
$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
129,000 PTS
over
based on

  • Complimentary Travel Insurance 

Bonus points
Up to 80,000 PTS
Earn rate
0.5 PTS
per $1 spent
Annual fee
$119 1st year fee $175 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
116,000 PTS
over
based on

  • Complimentary Travel Insurance 

  • Two complimentary airport lounge visits 

Bonus points
Up to 100,000 PTS
Earn rate
Up to 1 PT
per $1 spent
Annual fee
$350
136,000 PTS
over
based on

  • No international 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
89,600 PTS
over
based on

  • Uncapped Qantas Points earning potential

  • Access to International Travel Insurance 

Bonus points
N/A
Earn rate
Up to 0.8 PTS
per $1 spent
Annual fee
$19 monthly fee + $60 p.a. Qantas Points opt in fee
32,400 PTS
over
based on

  • 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
92,000 PTS
over
based on

  • 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
$35 monthly fee + $60 p.a. Qantas Points opt in fee
36,000 PTS
over
based on

  • Up to 55 days interest free period 

  • Complimentary Travel Insurance 

Bonus points
50,000 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
86,000 PTS
over
based on

  • Additional cardholder for no extra fee

  • Platinum Visa Concierge 

Bonus points
30,000 PTS Plus 10,000 PTS p.a
Earn rate
1 PT
per $1 spent
Annual fee
$299
122,000 PTS
over
based on

  • 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
76,000 PTS
over
based on

  • 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
90,000 PTS
over
based on

  • Uncapped Qantas Points earning potential 

  • 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT
per $1 spent
Annual fee
$99
62,000 PTS
over
based on

  • 4th Night on Us 

  • Unlimited airport lounge access with Priority Pass™ 

Bonus points
125,000 PTS
Earn rate
Up to 1.5 PTS
per $1 spent
Annual fee
$749
82,080 PTS
over
based on

  • 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
54,000 PTS
over
based on

  • 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
240,000 PTS
over
based on

  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
80,000 PTS
Earn rate
0.75 PTS
per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
134,000 PTS
over
based on

  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
80,000 PTS
Earn rate
0.75 PTS
per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
134,000 PTS
over
based on

  • Up to 55 days interest free period 

  • Complimentary Travel Insurance 

Bonus points
50,000 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
86,000 PTS
over
based on

  • Up to 55 days interest free period 

  • Complimentary Travel Insurance 

Bonus points
50,000 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
86,000 PTS
over
based on

  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS
per $1 spent
Annual fee
$149
43,200 PTS
over
based on

  • Up to 55 days interest free period 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
Up to 1 PT
per $1 spent
Annual fee
$199
66,000 PTS
over
based on

  • No international transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 100,000 PTS
Earn rate
Up to 1 PT
per $1 spent
Annual fee
$320
92,000 PTS
over
based on

  • 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
92,000 PTS
over
based on

  • 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
36,000 PTS
over
based on

What is a personal credit card that earns you Qantas Points?

As the name suggests, a personal credit card is one that is generally used solely for personal use.

Personal credit card features

Personal credit card features

Personal credit cards can often have lower fees and a longer 0% introductory interest rate for new cardholders than business credit cards. Personal credit cards can be used to pay for everyday essentials like groceries, petrol, utility bills, or your next eligible online purchase.

Personal credit card rewards and benefits

Personal credit card rewards and benefits

Depending on the credit card, benefits may include lounge access, interest free periods, shopping rewards, fee discounts and more. Used wisely, a personal credit card can be an excellent way to earn Qantas Points on your everyday spend.

Can I convert a personal credit card to business?

Can I convert a personal credit card to business?

It is possible to transfer the balance from a personal credit card to a business card, though it depends on the terms and conditions of the issuing bank.

How do I apply for a personal credit card that earns Qantas Points?

How do I apply for a personal credit card that earns Qantas Points?

It's easier than you think - simply click 'Apply' on the credit card of your choice, wait for approval by the relevant card partner, and you'll be enjoying the convenience of a Qantas Points earning personal credit card before you know it.

How do I decide which personal credit card is right for me?

How do I decide which personal credit card is right for me?

To decide which personal credit card that earns Qantas Points is right for you, please review the wide range from all the major banks and more, and decide which credit card suits your personal needs. To make an informed choice, simply read the information available on the benefits of each card, while also taking into account your own financial situation and needs.

What else should I know?

What else should I know?

Regardless of which credit card you choose, it is important that you read the terms and conditions of any product fully to understand your obligations.

Not a member? Join Qantas Frequent Flyer for free.

Popular credit card features

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.

Except for Qantas-branded products, products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).

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 any 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 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.