Compare Qantas Points earning credit cards

Average annual fee is $300

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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

CommBank Ultimate Awards credit card-card-art

CommBank Ultimate Awards credit card

  • Uncapped Qantas Points earning potential

  • Complimentary International Travel Insurance 

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

$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

$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

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

NAB Qantas Rewards Premium Card-card-art

NAB Qantas Rewards Premium Card

  • 1 bonus Qantas Point per $1 spent at Qantas 

  • 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

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

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

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

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

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

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 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

$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

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

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

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

CommBank Diamond Awards credit card-card-art

CommBank Diamond Awards credit card

  • Complimentary International Travel Insurance 

  • Extended warranty insurance 

Bonus points
70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$349+ $30 p.a. if you opt in to earn Qantas Points

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

CommBank Platinum Awards credit card-card-art

CommBank Platinum Awards credit card

  • Complimentary International Travel Insurance  

  • Extended Warranty Insurance 

Bonus points
50,000 PTS
Earn rate
0.4 PTS per $1 spent
Annual fee
$249+ $30 p.a if you opt in to earn Qantas Points

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

CommBank Awards credit card-card-art

CommBank Awards credit card

  • Extra control with Lock, Block, Limit 

  • Up to 55 days interest free period

Bonus points
N/A
Earn rate
0.4 PTS per $1 spent
Annual fee
$59+ $30 p.a if you opt in to earn Qantas Points

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

American Express® Qantas Business Rewards Card-card-art

American Express® Qantas Business Rewards Card

  • 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

Westpac BusinessChoice Rewards Platinum Mastercard®-card-art

Westpac BusinessChoice Rewards Platinum Mastercard®

  • Up to 99 additional cardholders

  • Qantas Business Rewards membership 

Bonus points
120,000 PTS
Earn rate
Up to 0.5 PTS per $1 spent
Annual fee
$150

NAB Qantas Business Signature Card-card-art

NAB Qantas Business Signature Card

  • ATO payments earn 0.66 PTS per $1 spent 

  • Up to 44 days interest free period 

Bonus points
100,000 PTS
Earn rate
0.66 PTS per $1 spent
Annual fee
$295

Bendigo Bank Qantas Business Credit Card®-card-art

Bendigo Bank Qantas Business Credit Card®

  • 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 +$50 p.a if you opt in for Qantas Points

CommBank Business Awards credit card-card-art

CommBank Business Awards credit card

  • 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

CommBank Business Platinum Awards credit card-card-art

CommBank Business Platinum Awards credit card

  • Complimentary International Travel Insurance 

  • Extra control with Lock, Block, Limit 

Bonus points
50,000 PTS
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:

Fix. Prepay. Earn Qantas Points with Leveraged

Fix. Prepay. Earn Qantas Points with Leveraged

Earn 20,000 Qantas Points for every $100,000 you fix and prepay for up to 12 months (pro-rata) on your margin loan with Leveraged. Open a new margin loan facility by 16 June 2023, and complete the Fix and Prepay application form with your Qantas Frequent Flyer membership details between 1 to 30 June 2023 to opt in the offer. T&Cs apply.

Switch and save with a Qantas Money Home Loan

Switch and save with a Qantas Money Home Loan

You’ll get a great rate and 100,000 Qantas Points every year^. You can apply in minutes and refinancers could be approved and settle within a month. Eligibility criteria, T&C’s apply.

Enjoy no foreign transaction fees with a Bankwest Qantas Transaction Account

Enjoy no foreign transaction fees with a Bankwest Qantas Transaction Account

Take your Qantas Platinum Debit Mastercard® on your next trip and enjoy no foreign transaction fees for international purchases and no overseas ATM fees~. Plus, earn Qantas Points to put toward your next getaway. Terms and conditions apply.

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.

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.