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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 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

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?

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?

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?

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?

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.