Compare Black credit cards

Choose from our range of Qantas Points earning Black credit cards.

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Black Credit Cards

Black credit cards can be considered to be ‘top tier’ credit cards, offering more premium features and services than platinum, gold or other standard options. Designed for high-earners and spenders, they can offer generous rewards programs, complimentary insurance, dedicated concierge services, travel benefits and much more.

Choose the right Black Qantas Points earning credit card for you

There are a number of  Black credit cards available, all offering a range of exclusive features and benefits. So, when looking for a Black credit card, it’s a good idea to go through all the features to decide which ones are the most important to you.

 

Why choose a Black credit card?

A Black credit card offers more privileges and perks than other types of credit cards. The features and benefits of Black credit cards can include:

  • Higher credit limits 
  • More rewards or Qantas Points per dollar
  • Higher points caps for reward programs
  • More flexible reward programs 
  • Travel vouchers
  • Greater financial coverage for insurance 
  • Access to airport lounges around the world
  • Dedicated travel booking services
  • A personal concierge service
  • Invitations to exclusive events or promotions
  • Discounts and special promotions on travel, shopping and dining

When you're deciding on a Black credit card, make sure you check the annual fees and other potential costs so that you can decide whether for you the benefits outweigh the costs of the Black credit card that you choose.

 

What do I need to consider when choosing a Black Qantas Points earning credit card?

It is important to ask yourself the right questions to make sure a Black Qantas Points earning credit card is the right card for you:

Do you use credit a lot?

If you regularly pay with a credit card, the higher credit limit of a Black credit card could offer you more flexibility when it comes to spending. It will also help you get the most out of features such as rewards.

Do you regularly pay off your credit card?

Black credit cards can have higher interest rates than other credit cards, so be sure that you can pay off your card monthly in order to enjoy the benefits fully.

How many of the features will you use?

While it’s great to have access to a wide range of features, the value comes from using them. Think about the features you want and how often you will use them, to decide whether or not a Black credit card is right for you.

How do I apply for a Black credit card?

How you apply will differ depending on the issuer. However, it is important to keep in mind:

  • Applicants must be at least 18 years of age.

  • You must have an excellent credit history.

  • You must have a regular source of income. Black credit cards also have higher minimum income requirements

  • Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.

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.

To make an informed choice, simply read the information available on the benefits of each card, while also taking into account your own financial situation and needs. Regardless of which credit card you choose, it is important that you read the terms and conditions of any product to fully understand your obligations.

We suggest visiting MoneySmartOpens external site for more information on credit cards, and how to best make them work for you.

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.

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.