Earning Qantas Points through everyday spending is a smart way to unlock free flights, upgrades, and other rewards. Credit cards that partner with Qantas offer a fantastic avenue for accumulating these points, turning your purchases into travel opportunities. This guide will delve into the best Qantas Points credit cards available in 2024, helping you choose the perfect card to maximize your rewards.
Comprehensive Comparison of Qantas Points Credit Cards
| Card Name | Key Features | Earning Rate & Bonus Offers (Subject to Change) |
|---|---|---|
| American Express Qantas Ultimate | High earning potential, generous bonus points offers, complimentary travel insurance, access to Amex Offers, Qantas Club lounge passes, and purchase protection. Often comes with a high annual fee. | Up to 1.5 Qantas Points per $1 spent on eligible purchases (rates vary based on spend categories). Frequent welcome bonus offers ranging from 70,000 to 120,000+ Qantas Points, subject to spending requirements within a specific timeframe (e.g., 3 months). |
| ANZ Frequent Flyer Black | Strong earning potential, complimentary travel insurance, and access to Visa Concierge services. Can be a good option for those who prefer Visa and are comfortable with a moderate annual fee. | Up to 1 Qantas Point per $1 spent on eligible purchases (rates may vary depending on spend). Welcome bonus offers often range from 50,000 to 90,000+ Qantas Points, subject to meeting spending requirements within a specified period. |
| Westpac Altitude Qantas Platinum | Solid earning potential, complimentary insurances, and access to Altitude Rewards program. A mid-tier option with a reasonable annual fee, providing a good balance of benefits and cost. | Up to 0.75 Qantas Points per $1 spent on eligible purchases. Welcome bonus offers typically range from 30,000 to 60,000+ Qantas Points, contingent on meeting spending criteria within a defined timeframe. |
| NAB Rewards Signature Card | High earning potential, generous bonus points offers, complimentary travel insurance, and purchase protection. Often comes with a high annual fee. | Up to 1 Qantas Points per $1 spent on eligible purchases (rates vary based on spend categories). Frequent welcome bonus offers ranging from 50,000 to 90,000+ Qantas Points, subject to spending requirements within a specific timeframe (e.g., 3 months). |
| Qantas American Express Discovery Card | Lower annual fee or no annual fee, suitable for beginners or those who spend less. Lower earning rate compared to premium cards. | Up to 0.5 Qantas Points per $1 spent on eligible purchases. Smaller welcome bonus offers, often around 10,000 to 30,000+ Qantas Points, with relatively lower spending requirements. |
| St.George Amplify Signature Visa | Competitive earning rates, complimentary insurances, and access to Amplify Rewards program. A good option for those who want flexibility in redeeming points, including Qantas Points transfers. | Up to 0.75 Qantas Points per $1 spent on eligible purchases. Welcome bonus offers typically range from 30,000 to 60,000+ Qantas Points, contingent on meeting spending criteria within a defined timeframe. |
| Commonwealth Bank Awards Credit Card | Flexibility to earn CommBank Awards points that can be converted to Qantas Points. Offers complimentary insurances and access to CommBank Rewards program. Good for existing CommBank customers. | Earning rates and bonus offers vary, but typically require a conversion from CommBank Awards points to Qantas Points. Welcome bonus offers are often around 30,000 to 60,000+ Qantas Points (after conversion), contingent on meeting spending criteria within a defined timeframe. |
Detailed Explanations of Key Features
American Express Qantas Ultimate
The American Express Qantas Ultimate card is designed for high spenders who want to maximize their Qantas Points earnings. It offers a high earning rate on eligible purchases, often exceeding 1 Qantas Point per dollar spent. The card also comes with a suite of premium benefits, including comprehensive travel insurance, access to Amex Offers (which provide discounts and bonus points on various purchases), and complimentary Qantas Club lounge passes. However, this card typically has a high annual fee, so it's best suited for those who can take full advantage of its benefits.
ANZ Frequent Flyer Black
The ANZ Frequent Flyer Black card is a strong contender for those seeking a Visa card with excellent Qantas Points earning potential. It provides a good earning rate on eligible purchases and often includes complimentary travel insurance. Cardholders also gain access to Visa Concierge services, which can assist with travel arrangements and other personal requests. While the annual fee is typically lower than the Amex Qantas Ultimate, it's still important to weigh the costs against the benefits and your spending habits.
Westpac Altitude Qantas Platinum
The Westpac Altitude Qantas Platinum card strikes a balance between earning potential and affordability. It offers a decent earning rate on eligible purchases and includes complimentary insurances, such as travel insurance. Cardholders also gain access to the Altitude Rewards program, which provides opportunities to redeem points for various rewards, including Qantas Points. This card is a good option for those looking for a mid-tier card with a reasonable annual fee.
NAB Rewards Signature Card
The NAB Rewards Signature Card offers a compelling blend of earning potential and premium features, making it an attractive option for individuals looking to maximize their Qantas Points accumulation. With its robust earning rate on eligible purchases, cardholders can quickly accrue points on everyday spending. Additionally, the card often comes with a generous welcome bonus, further boosting the initial points balance. The cardholder also enjoys benefits like travel insurance and purchase protection.
Qantas American Express Discovery Card
The Qantas American Express Discovery Card is an entry-level option suitable for those who are new to Qantas Points credit cards or who have lower spending habits. It often comes with a lower annual fee or even no annual fee, making it an accessible choice. However, the earning rate on eligible purchases is typically lower compared to premium cards. While the welcome bonus offers are smaller, the spending requirements are also generally lower, making it easier to qualify.
St.George Amplify Signature Visa
The St.George Amplify Signature Visa offers competitive earning rates on eligible purchases and access to the Amplify Rewards program. This program provides flexibility in redeeming points, including the option to transfer them to Qantas Points. The card also includes complimentary insurances, enhancing its value. This card is a good option for those who appreciate the flexibility of a rewards program and the convenience of a Visa card.
Commonwealth Bank Awards Credit Card
The Commonwealth Bank Awards Credit Card provides a pathway to earning Qantas Points through the CommBank Awards program. Cardholders earn CommBank Awards points on eligible purchases, which can then be converted to Qantas Points. This card often includes complimentary insurances and access to the CommBank Rewards program. It's particularly appealing to existing Commonwealth Bank customers who prefer to consolidate their banking and rewards programs.
Frequently Asked Questions
What is a Qantas Points credit card?
It's a credit card that allows you to earn Qantas Points on your spending, which can then be redeemed for flights, upgrades, and other rewards with Qantas and its partner airlines.
How do I earn Qantas Points with a credit card?
You earn points by making eligible purchases with your credit card. The earning rate varies depending on the card and the type of purchase.
What is a sign-up bonus?
A sign-up bonus is a one-time offer of Qantas Points that you receive when you open a new credit card account and meet certain spending requirements within a specified timeframe.
What is an annual fee?
An annual fee is a yearly charge for owning a credit card. Higher-end cards with more benefits typically have higher annual fees.
How do I redeem my Qantas Points?
You can redeem your Qantas Points through the Qantas Frequent Flyer program website or app for flights, upgrades, hotels, car rentals, and other rewards.
What are the eligibility requirements for a Qantas Points credit card?
Eligibility requirements typically include being over 18 years old, having a good credit score, and meeting the card issuer's income requirements.
Are Qantas Points credit cards worth it?
It depends on your spending habits and travel goals. If you spend a significant amount on your credit card and are a frequent flyer with Qantas, a Qantas Points credit card can be a valuable way to earn rewards.
How often can the earn rate of Qantas Points change?
Earning rates can change at any time, but are most often reviewed and possibly changed annually by the card issuer. Always check the current product disclosure statement.
Conclusion
Choosing the best Qantas Points credit card depends on your individual spending habits, travel goals, and tolerance for annual fees. Carefully compare the earning rates, bonus offers, and benefits of different cards to find the one that best aligns with your needs and allows you to maximize your Qantas Points accumulation. Consider premium cards for high spending, mid-tier cards for a balance of benefits and cost, and entry-level cards for lower spending or no annual fees.