Compare Qantas Points earning credit cards

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

Qantas Points earning credit cards

Register for an extra 30,000 Qantas Points this July

If you haven’t had a Qantas Points earning credit card in the last 12 months, we're offering an extra 30,000 Qantas Points on top of existing offers of up to 130,000 bonus Qantas Points. Offer ends 31 July 2020^.

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Find out more Qantas Points earning credit cards

Don’t miss out on an extra 30,000 Qantas Points

If you haven’t owned a credit card that earns you Qantas Points in the last 12 months, for July only we are offering you an extra 30,000 Qantas Points on top of our existing offers of up to 130,000 bonus Qantas Points. Offer ends 31 July 2020^.

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Afterpay your way up to 5,000 Qantas Points

Thanks to our new partnership, earn up to 5,000 Qantas Points when shopping with Afterpay. Offer valid for new and existing customers when you link your Qantas Frequent Flyer account with Afterpay by 8 September 2020, and spend by 8 March 2021. Minimum spend and conditions apply*.

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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.

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    ^ Extra 30,000 bonus Qantas Points offer: 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.

    To receive the 30,000 bonus Qantas Points, members must a) register via email or qantas.com/cards between 12.01am (AEST) 1 July and 11.59pm (AEST) 31 July 2020 b) apply for any card featured on qantas.com/cards and be approved by the relevant Card partner, and c)  make an eligible purchase on their new card within 30 days of receiving it. Qantas Points earned from the member’s first purchase must be credited to their Qantas Frequent Flyer account before 31 October 2020. Qantas Points are taken to be credited on the date they appear in the Qantas Frequent Flyer Activity Statement which can be checked online at qantas.com/youraccount. Depending on the statement cycle of the Qantas Points earning credit or charge card, typically it can take up to 40 days for points to be credited to the Qantas Frequent Flyer account after making an eligible purchase on a Qantas Points earning credit or charge card.  Offer limited to one per Qantas Frequent Flyer member only. 30,000 bonus Qantas Points offer available to new Qantas Points earning credit or charge card holders only. Members must not have earned Qantas Points on a Qantas Points earning card into their Qantas Frequent Flyer account within the past 12 months from offer registration to be eligible. Excludes American Express Qantas Corporate Cards. Please allow 6 to 8 weeks from purchase for the 30,000 bonus points to be credited to the member’s Qantas Frequent Flyer account with the description ‘Credit Card Bonus’. The 30,000 bonus Qantas Points are offered by Qantas and are separate to bonus points offers from our program partners. In the event of multiple new cardholder bonus points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. For example, if a member was eligible for a 20,000 bonus points new cardholder bonus and also eligible for a 30,000 bonus points new cardholder bonus, the higher of the two offers would apply and the member would receive 30,000 Bonus Points. Members are not eligible for more than one offer on a new cardholder bonus. In this example, if the Member has already received 20,000 bonus points, they would not be eligible for the 30,000 bonus Qantas Points.

    * Afterpay: This offer is available to Afterpay customers who link their Qantas Frequent Flyer account to their Afterpay account between 8 July and 8 September 2020, and make a purchase using Afterpay by 8 March 2021 (the ‘Campaign Period’). This offer is valid for new and existing Afterpay customers. Minimum spend and conditions may apply. View full campaign terms and conditions. This offer is available to Australian Residents only and limited to one Qantas Frequent Flyer member and one Afterpay account only; the same Afterpay account cannot be used for this offer more than once. The offer may be withdrawn, changed or extended at any time by Afterpay and/or Qantas. If we change or withdraw the offer you will be credited for all Qantas Points validly earned by you in accordance with these terms and conditions prior to the offer being changed or withdrawn. The Afterpay Service is subject to the Afterpay Terms and Conditions, including relevant eligibility criteria, available at https://www.afterpay.com/en-AU/terms-of-service.