Compare personal credit cards

Average annual fee is $300

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CommBank Ultimate Awards credit card-card-art

CommBank Ultimate Awards credit card

  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
70,000 PTS
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $30 p.a. Qantas Points opt in fee

NAB Qantas Rewards Signature Card-card-art

NAB Qantas Rewards Signature Card

  • Enjoy six 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

Westpac Altitude Qantas Black credit card-card-art

Westpac Altitude Qantas Black credit card

  • 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
$250 + $50 p.a if you opt in to earn Qantas Points

$100 BACK TO YOUR NEW CARD*
ANZ Frequent Flyer Black credit card-card-art

ANZ Frequent Flyer Black credit card

  • Uncapped Qantas Points earning potential 

  • Complimentary Qantas Club Lounge Invitations 

Bonus points
90,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425

$450 Qantas Travel Credit^
Qantas American Express Ultimate Card-card-art

Qantas American Express Ultimate Card

  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
60,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450

Citi Premier Qantas Card-card-art

Citi Premier Qantas Card

  • Complimentary Purchase Cover 

Bonus points
Up to 100,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$350 1st year fee

Qantas Premier Platinum -card-art

Qantas Premier Platinum

  • 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

Suncorp Clear Options Platinum Credit Card-card-art

Suncorp Clear Options Platinum Credit Card

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$129 +$49 p.a. if you opt in to earn Qantas Points

St.George Amplify Qantas Signature credit card-card-art

St.George Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

NAB Qantas Rewards Premium Card-card-art

NAB Qantas Rewards Premium Card

  • Complimentary International Travel Insurance 

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

ANZ Frequent Flyer Platinum credit card-card-art

ANZ Frequent Flyer Platinum credit card

  • Uncapped Qantas Points earning potential 

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$295

St. George Amplify Qantas Platinum credit card-card-art

St. George Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

Westpac Altitude Qantas Platinum credit card-card-art

Westpac Altitude Qantas Platinum credit card

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year card fee $150 p.a thereafter + $50 p.a if you opt in to earn Qantas Points

Qantas American Express Premium Card-card-art

Qantas American Express Premium Card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
30,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$249

HSBC Platinum Qantas Credit Card-card-art

HSBC Platinum Qantas Credit Card

  • 0% p.a. Balance Transfer for 12 months 

  • Up to 55 interest free days 

Bonus points
20,000 PTS
Earn rate
1 PT per $1 spent
Annual fee
$99

Bankwest Qantas Platinum Mastercard®-card-art

Bankwest Qantas Platinum Mastercard®

  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 50,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$160

Qantas Premier Everyday-card-art

Qantas Premier Everyday

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

  • Up to 55 days interest free period 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$49

Citi Prestige Qantas Card-card-art

Citi Prestige Qantas Card

  • 4th night free at participating hotels 

Bonus points
100,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$749

Qantas American Express Discovery Card-card-art

Qantas American Express Discovery Card

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
N/A
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0

$400 Holiday voucher▴
Qantas Premier Titanium -card-art

Qantas Premier Titanium

  • 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

Bank of Melbourne Amplify Qantas Signature credit card-card-art

Bank of Melbourne Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

BankSA Amplify Qantas Signature credit card-card-art

BankSA Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

Bank of Melbourne Amplify Qantas Platinum credit card-card-art

Bank of Melbourne Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers  

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

BankSA Amplify Qantas Platinum credit card-card-art

BankSA Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

CommBank Smart Awards credit card-card-art

CommBank Smart Awards credit card

  • Uncapped Qantas Points earning potential

  • Complimentary International Travel Insurance 

Bonus points
50,000 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

Bendigo Bank Qantas Platinum Credit Card-card-art

Bendigo Bank Qantas Platinum Credit Card

  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS per $1 spent
Annual fee
$149

Qudos Bank Visa Platinum Card-card-art

Qudos Bank Visa Platinum Card

  • 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

Bankwest Qantas World Mastercard®-card-art

Bankwest Qantas World Mastercard®

  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270

BOQ Specialist Signature Card-card-art

BOQ Specialist Signature Card

  • 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

BOQ Specialist Platinum Card-card-art

BOQ Specialist Platinum Card

  • 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.