Qantas Credit Cards with Bonus Points

In partnership with Qantas many of the Australian Credit Card providers offer Qantas credit cards that enable cardholders to earn Qantas Points when they use their credit card to pay for eligible purchases. Any Qantas Points earned through spending on your Qantas Credit Card are automatically added to your nominated Qantas Frequent Flyer account, by simply linking your credit card account to your Qantas Frequent Flyer Account.

With close to 100 Qantas Credit Cards on offer the credit card providers are constantly looking to position their card as the Best Qantas Credit Card to earn Qantas Points, by offering generous sign up bonus points to new card holders. Bonus point offers change frequently with offers ranging from 5,000 up to a massive 100,000 Qantas Points being available.

The comparison table below features a selection of the Qantas credit cards with bonus points and includes a Qantas Points calculator to help you estimate the number of Qantas Points you may earn from each card, relative to your forecast monthly spend. 

How to compare Qantas Credit Cards with Bonus Points

 

The lure of a bounty of Qantas Bonus Points can distract you from selecting the Best Qantas Credit Card for your circumstances, so here we look beyond the bonus points to provide some tips on how to maximize your Qantas Point earning without incurring hefty fees and charges. 

 

1. Qantas Point earn rate

The Qantas Point earn ratio determines the number of Qantas Points earned for each dollar of eligible spend made on your Qantas credit card, Earn ratios range from 0.5 to 3 Qantas Points per dollar spent, with Platinum & Black Credit Cards offering the highest earn rates. These earn rates are set by the credit card providers are may change at any time at the discretion of the card provider, though when they do make any change to the rate they legally must advise all cardholders in writing. Given the earn rate may change overtime it is important to check your earn rate frequently vs. other credit cards, your current earn rate can be found on your monthly account statement, alongside the number of points you have earned in that statement period. To put your current Qantas Credit Cards point earn rate and points cap to the test try our Qantas Credit Card Helath Check-up

Most Qantas Credit Cards feature a Standard Point Earn rate which will be applied to the majority of your credit card spend and a partner earn rate which will be a higher earn rate which will be applied when you use your Qantas Credit Card to make purchases at Partner stores. These partner earn rates can be as high as 3 times the standard earn rate.

 

2. Capping of Qantas Points

Most Qantas Credit Cards include some level of Points cap. These Point caps are designed to restrict the number of Qantas Points you can earn from using your credit card, they may operate at a monthly or annual level. Once you reach the capped level of Qantas Points any further spend on your credit card will not earn any Qantas Points. So for example if your card has a monthly points cap of 5,000 Qantas Points, with an earn rate of 1 point per $1 spent, once you have made eligible purchases of $5,000 you will have reached your monthly cap of 5,000 Points, so any spend above $5,000 will earn no further points.

Qantas Credit Cards with uncapped point earning can still be found but are becoming more rare as the card providers seek to limit their costs.

 

3. Companion Qantas credit cards

Companion credit cards are designed to enable cardholders to maximize their Qantas Point earning opportunities by issuing two credit cards linked to a single account. Account holders will hold both a MasterCard or Visa and an American Express credit card, each of which will feature a different Qantas Point earn rate, with the American Express card generally having the higher rate. The theory behind these companion credit cards is that they allow you to tailor the way you spend and earn points on your account, giving you increased Qantas Point earning potential, with the convenience of a single credit limit and account.

 

4. Eligible Purchases for Qantas Points

Many Qantas Credit Cards exclude some types of purchases from earning Qantas Points, these purchase types are often ones that could potentially earn many points. For example most Qantas Credit Cards exclude payments to the ATO from earning Qantas Points, exceptions do exist but they tend to be the premium Platinum and Black credit cards.

 

5. Qantas Credit Card Annual Fees

Qantas credit cards generally charge an annual credit card fee to cover the providers cost of administering the credit card account. As a general rule the higher this annual fee the higher the Qantas Point earn rate and any bonus point offer, with Platinum and Black Credit cards having fees close to a $1,000, point earn rates at 3 points per $1 of spend, and Bonus Points of 100,000. Qantas Credit cards with $0 annual fees can be found though their earn rates tend to be around the 1 Point per $1 of spend mark and Bonus Points on offer are less than 10,000.

The Qantas Credit Cards with higher fees generally include complimentary travel insurance, extended product warranties in conjunction with the higher point earn rates.

 

6. Qantas Credit Card Purchase Rates

Qantas Credit Cards typically have purchase rates at the higher end of the range, so if you fail to pay of your balance in full each month the value of the Qantas Points you have accrued through card usage will soon be offset by the high interest charges. Due to these high purchase rates Qantas Credit cards are most suitable for cardholders who have the means and discipline to pay off their balance each month in full, and avoid the high interest charges.

 

7. Bonus Points

Qantas Credit Card providers have tapped into Qantas Reward members keenness to build their Qantas Point balances by offering Bonus Points as an incentive to apply for their respective Qantas credit card. Bonus Points of up to 100,000 points are frequently offered by card providers.

A recent initiative by the card providers has been to link the awarding of these Bonus Points to a level of card activity, so for example many cards now award the bonus points once a stipulated level of spend has been made on the card, usually with the first 3 months of holding the new card.

 

What benefits do Qantas Credit Cards include?

 

Qantas Points - The primary benefit of a Qantas Credit Card is that each time you use it to make a purchase you will earn Qantas Points. These Qantas Points can then be redeemed for hotel bookings, Flights, upgrades and an every increasing range of products and services available via the Qantas Frequent Flyer online store.

Travel insurance - Many Qantas credit cards combine the Qantas Points earning opportunity with complimentary travel insurance. This complimentary travel insurance is generally offered when the booking of the travel is purchased using your Qantas Credit Card, though recently a number of Qantas Credit Cards have extended this offer of complimentary travel insurance when the travel booking is made using Qantas Points.

Qantas Frequent Flyer Partners - Promotional Qantas Point earn rates are frequently offered by Qantas Reward Partners, so when you purchase from them the purchases attract a special "partner" earn rate which can be double or even treble your standard Qantas Point earn rate.

Qantas Club - Some Qantas Credit Cards include complimentary entry to The Qantas Club which comprises of a network of Airport business lounges which are designed to make the start of your journey that little more relaxing with complimentary drinks, refreshments and luxurious surroundings.

Frequently Asked Questions

Do Qantas Points earned from Qantas Credit Cards ever expire?

No, Qantas Points will not expire as long as you earn or use Qantas Points (excluding family transfers or the conversion of points from Aquire) through your Frequent Flyer account at least once every 18 months. This includes earning or using Qantas Points with Qantas program partners. The time period starts from the date of your last activity (in the case of earning points on eligible flights, that is the date the flight was taken). If your Qantas Points do expire, you remain a Frequent Flyer member and your Frequent Flyer number and card remain valid. The next time you want to earn Qantas Points, simply use your card and the points will be credited to your account.

Are Qantas Credit Cards relevant to frequent travellers who are not loyal to Qantas?

Many frequent travellers choose their airline based on the price of the ticket offered, which may mean the end up using multiple airlines to fulfill their travel requirements.

Through the network of Qantas Airline partners Qantas Frequent Flyer Members can earn and Redeem Qantas Points with 28 airlines including Jetstar, Emirates, American Airlines, British Airways, Cathay Pacific, Dragonair, Finnair, Iberia, Japan Airlines and Malaysia Airlines.

An alternative approach is offered by a number of Rewards Credit Cards which cater for this type of traveller by offering credit cards that are aligned to a number of Airline partners, as opposed to just one. With this flexibility points earned on credit card purchases can be transferred to any of the airline partners participating in the Reward Program, examples of this type of program are the Westpac Altitude Reward Program that is aligned with about 10 airlines, and the Citi Rewards Program that is aligned to several major Global Airline Partners.