Compare Qantas Points earning credit cards

Choose from over 50 Qantas Points earning credit cards for individuals and businesses.

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Earn up to 150,000 Qantas Points with La Trobe Financial

That’s 250 Qantas Points for every eligible investment of $1,000 in the 12 Month Term Account with La Trobe Financial. Plus, enjoy a great current variable rate of 4.50% p.a. after fees, reviewed monthly, rate not guaranteed^.

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Find out moreOpens external site in a new window Earn, track and dream with the Qantas Card Companion

Earn, track, dream.

Discover the Qantas Card Companion, a new tool to get the most out of your Qantas Points Earning credit card. Track your Qantas Points and access offers, tips and tricks - all in one place.

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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?

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

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

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?

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 and CommBank 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

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

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.

Credit card glossary, including rates and fees

When it comes to credit cards, your bank or financial institution may use different terms. Here is a general explanation of the meaning of some of the terms used in relation to credit cards. Please keep in mind that it’s important that you read the terms and conditions of your credit card as well as the Product Disclosure Statement (PDS) to understand all the rewards, features, fees and charges and interest rates that may apply to your card.

What you need to know

You must be a Qantas Frequent Flyer 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.

    Important information

    Card products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Card partners. The applicable Card Partner is the credit provider and credit licensee under the National Consumer Credit laws. Points are offered by the relevant 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 applies.

    ^ La Trobe Financial: You must be a Qantas Frequent Flyer to earn and redeem Qantas Points. A joining fee usually applies, however, La Trobe Financial has arranged for this to be waived for new customers. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions. Australia resident Qantas Frequent Flyer members who make an eligible investment of a minimum of $10,000 with La Trobe Financial on or after 1 August 2020 in a 12 Month Term Account will receive 1 Qantas Point per $4 invested up to a maximum of 150,000 Qantas Points (at the discretion of La Trobe Financial eligible investors may be entitled to receive additional Qantas Points). Qantas Points will be rounded up to the nearest whole Qantas Point. You must register your Qantas Frequent Flyer details with La Trobe Financial to earn Qantas Points. Qantas Points will be credited to the member’s Qantas Frequent Flyer account by the 7th of the subsequent month after the investment has been made. This offer cannot be used in conjunction with any other advertised or promotional offer and may be withdrawn, changed or removed at any time. For full terms, conditions, eligibility requirements and exclusions visit latrobefinancial.com.au/qantasOpens external site in a new window.

    The rate of return on your 12 Month Term Account investment is current at 1 August 2020. The rate of return is reviewed and determined monthly and may increase or decrease each month. The rate of return applicable for any given month is paid at the start of the following month. The rate of return is not guaranteed and is determined by the future revenue of the Credit Fund and may be lower than expected.

    An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Past performance is not a reliable indicator of future performance. Withdrawal rights are subject to liquidity and may be delayed or suspended. Visit the La Trobe Financial websiteOpens external site in a new window for further information.

    La Trobe Financial Asset Management Limited ACN 007 332 363 AFSL & ACL 222213 is the issuer and manager of the La Trobe Australian Credit Fund ARSN 088 178 321. It is important for you to consider the Product Disclosure Statement in deciding whether to invest or to continue to invest, in the Credit Fund. You can read the PDS on La Trobe Financial’s website or ask for a copy by telephoning them on 13 80 10.