Compare Qantas Points earning credit cards

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

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Qantas card companion

Earn. Track. Dream

Introducing 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.

Reward yourself with your Qantas Points

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Where can I go?

Use our new interactive map to plan your next trip. Search using money or Qantas Points to find out your next destination in a world of opportunities.

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Book any flight

Find the perfect way to pay with Points Plus Pay - Flights and use the mix of points and money that's right for you. Plus, you'll earn points at the same time. It's a win-win.

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Upgrade with points

Experience the next level of service and luxury when you use your points to request a Classic Upgrade Reward on eligible bookings.

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Important information

You must be a Qantas Frequent Flyer to earn and redeem Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

Disclaimer: # Points Plus Pay - Flights are available on any flight with a Qantas (QF), Jetstar (JQ), Jetstar Asia (3K), Jetstar Japan (GK) or Jetstar Pacific (BL) flight number and selected partner airlines when travelling on a Qantas fare, as long as there is a seat available for sale. The Qantas Points required include taxes, fees and carrier charges (excluding any amounts payable to third parties at the airport), are subject to change and are quoted at the time of booking. A minimum of 5,000 points per booking on Qantas and 3,500 points per booking on Jetstar must be redeemed. Qantas Points may not be earned on some fare types or on some oneworld® Member Airline or airline partner flights. For more information, visit Points Plus Pay - Flights.

Disclaimer: Ω Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy and eligible paid and confirmed Qantas domestic and international flights, with a Qantas (QF) flight number on your ticket and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are not available from all fare types. See tables for details. Classic Upgrade Rewards are subject to capacity controls and availability (which is limited). For more information, visit Classic Upgrade Rewards or see the Terms and Conditions.