Compare personal 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
  • 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
  • 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
$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
  • 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
  • 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
$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
  • 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
  • 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
  • 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
  • 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. 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
  • 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
  • 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
  • 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

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 Now' 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.

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.