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9 Qantas Credit Cards Compared

We compare 9 popular Qantas credit cards with up to 150,000 bonus points, business lounge invitations, and other perks.

1. The Qantas American Express Discovery Card

No annual fee

Card refund and purchase cover

Earn 1.75 Qantas points per $1 spent on Qantas products and services

Earn 0.75 Qantas points per $1 on purchases outside of government bodies

Earn 0.5 Qantas points per $1 spent at government bodies in Australia

Up to 44 days interest free

21.99% p.a. interest rate on purchases after interest free period
0
annual fee
44
days interest free
21.99
interest after interest free period

2. The Qantas American Express Ultimate Card

$450 annual Qantas Travel Credit

55,000 bonus Qantas Points when you spend $3,000 on eligible purchases on your new card within the first 3 months

Earn 2.25 Qantas Points per $1 spent on eligible purchases at Qantas

Earn 1.25 Qantas Points per $1 spent on card purchases outside of government bodies

Earn 0.5 Qantas Points per $1 spent at government bodies

Free access to The Centurion Lounge at Sydney or Melbourne Airport twice a year. Plus two Qantas Club Lounge invitations each year after purchasing select Qantas products and services

Complimentary domestic and international travel insurance (PDS)
450
annual fee
55,000
bonus Qantas Points
450
Qantas Travel Credit
21.99
interest after interest free period

3. NAB Qantas Rewards Signature Card

120,000 bonus Qantas Points. 90,000 bonus points when you spend $3,000 on within the first 60 days and 30,000 bonus points when you keep your card for over 12 months

Reduced annual card fee (from $395 to $295) for the first year

Earn 1 Qantas Point per $1 spent up to $5,000 on everyday purchases

Earn 0.5 Qantas Points per $1 spend from $5,001 to $20,000 on everyday purchases

Earn 1 bonus Qantas point for every dollar on eligible Qantas purchases

Complimentary Qantas Frequent Flyer membership (a saving of $99.50)

Complimentary domestic, interstate and international travel insurance
295
annual fee for the first year
120,000
bonus Qantas Points
44
days interest free
19.99
interest after interest free period

4. CommBank Ultimate Awards Card

70,000 bonus Qantas Points when you spend $5,000 on eligible purchases within 90 days

$35 monthly fee, however a $0 monthly card fee is charged if you spend at least $2,500 in your statement period and choose to receive online statements

Earn up to 1.2 Qantas Points for every $1 spent on eligible purchases, up to $10,000 in a statement period

Unlimited earn on Qantas Points each year

Pay no international transaction fees for purchases you make overseas or online

Included international travel insurance, simply activate before you travel

Up to 55 days interest free on purchases
0
monthly card fee if you meet the requirements
70,000
bonus Qantas Points
0
International transaction fees
20.24
interest after interest free period

5. Qantas Premier Platinum Card

Up to 80,000 bonus Qantas Points. 60,000 Bonus Qantas Points when $3,000 or more is spent on eligible purchases within 3 months. Plus an additional 20,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 12 months

Complimentary lounge invitations. 2 lounge invitations per year to the Qantas Club Domestic or Qantas Operated International Business Lounges

Earn 1.5 Qantas Points per $1 spent Internationally

Earn 1 Qantas Point per $1 spent on Domestically (up to $10,000 per statement period)

Earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services

Up to 55 days interest free
249
reduced first year annual fee
80,000
bonus Qantas Points
55
days interest free
19.99
interest after interest free period

6. The American Express Qantas Business Rewards Card

Earn 150,000 bonus Qantas Points when you spend $3,000 on eligible purchases on your new aard within 2 months

Earn 2 Qantas Points per $1 spent on Qantas products and services

Earn 1.25 points per $1 spent on everyday purchases

Earn 0.5 Qantas Points per $1 spent at government bodies

Receive two complimentary domestic Qantas Club lounge passes per year
450
annual fee
150,000
bonus Qantas Points
51
days interest free

7. ANZ Frequent Flyer Platinum

70,000 bonus Qantas Points when you spend $2,500 on eligible purchases within 3 months

$100 back to your new ANZ Frequent Flyer Platinum card when you spend $2,500 on eligible purchases within 3 months

Earn 0.75 Qantas Points for every $1 up to and including $3,000*

Earn 0.5 Qantas Points for every $1 over $3,000*

$6,000 minimum credit limit

Complimentary insurances, including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance PDS
295
annual fee
70,000
bonus Qantas Points
55
days interest free
20.24
interest after interest free period

8. The Qantas American Express Premium Card

Receive 30,000 bonus Qantas Points when you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. Offer available to new Card Members only.

Enjoy two complimentary Qantas Club Lounge invitations each year when you purchase an eligible Qantas product or service

Complimentary Qantas Wine Membership

Earn up to 2 Qantas Points for every $1 spent on eligible Qantas products or services

Earn up to 1 Qantas Point for every $1 spent on everyday purchases

Complimentary Domestic and International travel insurance

Up to 44 days interest free on purchases
249
annual fee
30,000
bonus Qantas Points
44
days interest free
21.99
interest after interest free period

9. The Qantas Premier Everyday Card

Up to 8,000 bonus Qantas Points. New cardholders earn 2 bonus points on top of the standard earn-rate for every $1 spent on eligible purchases in the first 4 months from card approval, up to a total of 8,000 bonus points

Low $49 annual fee

Earn 0.75 Qantas Points per $1 spent on Domestically (up to $3,000 per statement period)

Earn 1 Qantas Point per $1 spent Internationally

Earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services

Complimentary travel insurance (PDS)
49
annual fee
55
days interest free
19.99
interest after interest free period

Frequently asked questions

What are the differences between credit cards and debit cards?

Credit cards:

  • The credit provider allows you to borrow money from them up to the credit limit
  • Can be used to earn rewards such as frequent flyer points, cash back, and insurances on your purchases
  • There’s usually an interest free period from 44 days to 55 days, where no interest is charged if you pay back the full balance owing before the end of the interest free period
  • Interest will be charged on the amount owing after the interest free period if you don’t pay back the full balance
  • Offers extra fraud protection and protection against unauthorised purchases

Debit cards:

  • Money is deducted from your bank account
  • Since it is your money which you are using, no interest or fees are charged (unless you deduct more money than you have in your account)
  • Generally doesn’t allow you to earn points or cash back
  • Generally no extra insurances and fraud protection are offered on purchases

Do credit cards impact your credit score?

Paying off your full credit card balance each month on time may positively affect your credit score, but not paying back the full balance owing on time may negatively impact your credit score. That’s why it’s important to keep on top of your payments and try to pay off the balance in full and on time each month.

Do you need to pay interest on your credit card?

With every credit card, there’s usually an interest free period of up to 44 days or 55 days, whereby if you pay back the full balance owing on your statement before the interest free period, then no interest is charged.

However, if you don’t pay back the full balance owing before the interest free period, then interest will be charged on the balance owing on your statement. That’s why it’s important to keep on top of your credit card statements and try to pay back the full balance owing each month before the end of the interest free period.

Do credit cards impact your borrowing capacity when you're looking to get a mortgage?

Having a credit card may impact your borrowing capacity, because the banks usually look at the full credit limit that you have on your credit card as a debt, even if you pay back the full balance owing each month on time.

How to link credit card to Qantas Frequent Flyer?

To link your credit card to your Qantas Frequent Flyer account, you need to follow these steps:

  1. Log in to your Qantas Frequent Flyer account: Go to the Qantas website and sign in to your account using your username and password.
  2. Find your Qantas frequent flyer number.
  3. Choose your credit card issuer: Qantas has partnerships with several credit card issuers, so select the one you want to link to your account.
  4. Follow the instructions: The steps for linking your credit card will vary depending on the issuer you choose. Generally, you’ll need to provide your credit card information and agree to the terms and conditions.
  5. Start earning points: Once your credit card is linked, you’ll start earning Qantas Points for eligible purchases made with your card. The points will be automatically credited to your Qantas Frequent Flyer account.

Note: You may need to wait for a few business days for the points to appear in your account, depending on the credit card issuer’s processing time.

How to earn Qantas Points with credit cards?

To earn Qantas Points with a credit card, you need to have a Qantas Frequent Flyer account and a credit card that is linked to it. Here are the steps to earn Qantas Points with your credit card:

  1. Choose a Qantas-partnered credit card: Look for a credit card that is partnered with Qantas and offers Qantas Points as a reward.
  2. Link your credit card to your Qantas Frequent Flyer account: Follow the instructions in my previous answers to link your credit card to your Qantas Frequent Flyer account.
  3. Use your credit card for purchases: Every time you make a purchase with your linked credit card, you’ll earn Qantas Points. The number of points you earn per dollar spent will depend on the specific credit card and rewards program you have.
  4. Track your points: You can track the number of Qantas Points you’ve earned by logging in to your Qantas Frequent Flyer account. The points will be automatically credited to your account after each transaction.

Note: Some purchases, such as cash advances and balance transfers, may not be eligible for earning Qantas Points. Make sure to check the terms and conditions of your credit card’s rewards program for more information.

How to earn Qantas Points without a credit card?

You can earn Qantas Points without a credit card by participating in other Qantas Frequent Flyer programs and activities, such as:

  1. Flying with Qantas or Qantas Airways partners: You can earn Qantas Points for eligible flights with Qantas and its partner airlines. The number of points you earn will depend on the flight route, class of travel, and your Qantas Frequent Flyer membership tier.
  2. Booking hotels, car rentals, and other travel: You can earn Qantas Points when you book hotels, car rentals, and other travel services through the Qantas website or its partner platforms.
  3. Shopping with Qantas partners: You can earn Qantas Points when you shop with Qantas partners, such as department stores, supermarkets, and online retailers.
  4. Eating at participating restaurants: You can earn Qantas Points when you dine at participating restaurants through the Qantas Dining program.
  5. Completing surveys and other activities: You can earn Qantas Points by participating in surveys, playing games, and completing other activities through the Qantas Rewards program.

Note: The number of Qantas Points you can earn for each activity and the terms and conditions for earning points may vary. Make sure to check the details of each program and activity before participating.