| Credit Card | Bonus Points Offer | Points Per $1 Spend | Annual Fee |
|---|---|---|---|
| ANZ Frequent Flyer Black | 130,000 Qantas Points & $200 back | 0.5 - 2 pts | $425 | Virgin Velocity High Flyer | 100,000 Velocity Points* | 0.5 - 1 pts | $329 |
| St.George Amplify Signature | 100,000 Velocity Points or 150,000 Qantas Points | 1 - 3 pts | $0* |
| Qantas Money Platinum* | 80,000 Qantas Points | 0.5 - 2 pts | $349* |
| Qantas Amex Ultimate | 50,000 Qantas Points | 0.5 - 2.25 pts | $450 | Qantas Amex Discovery | - | 0.5 - 1.75 pts | $0 |
Paying for a holiday with carefully accumulated frequent flyer or air miles points is extremely satisfying. After all, the only thing better than a trip away is a great deal on it!
Thanks to the rewards you can enjoy from frequent flyer credit cards, the situation gets even better, too. For example, take advantage of benefits such as complimentary free lounge access at airports to wait for flights in comfort.
A frequent flyer card is a fantastic option if you want rewards in the form of free or discounted flights and other travel-related perks. If you’re someone who is away a lot, this card type is a no-brainer, as it helps you speed up your points tally immensely.
Note, though, that these frequent flyer or air mile point products work best when you pay off your credit card balance each month. That way, you avoid interest fees and maximise value, instead of finding rewards get outweighed by charges.
When you’re ready to obtain a new card, deciding between and comparing frequent flyer credit cards can be challenging and time-consuming. There are plenty of options on the market, and all the information is often overwhelming.
To help you out and ensure you find the best deal for your needs, we’ve compiled a list of the best frequent flyer credit cards in Australia right now.
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ANZ Frequent Flyer Black
Our Take
Best For: Qantas Frequent Flyer Lounge - If you want a massive pile of Qantas points and premium access to quiet airport lounges with yummy snacks, the ANZ Frequent Flyer Black is an excellent choice.
What frequent flyer points and benefits do you get: You get up to 130,000 bonus Qantas points and $200 back in your account. You also earn 1 Qantas point for every dollar spent on eligible everyday transactions (up to $7,500 a month, then 0.5 points after that) and an extra point on Qantas products or services.
Our favourite feature: The Qantas Club lounge passes! It gives you 2 free invitations a year to relax in style before your flight, making the airport wait feel like a mini-holiday.
Its Top Perks
◇ Double Welcome Prize: You get 90,000 Qantas points and $200 back when you spend $5,000 on eligible things in the first 3 months. Then, you get another 40,000 points if you keep the card active for more than 12 months. (offer is not available if you currently hold, or have held, any ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.)
◇ Huge Lounge Savings: Along with your 2 free passes, new Qantas Club members can have their joining fee waived and pay a discounted first-year membership cost, saving you a massive $497!
◇ 24/7 Secret Helper: You get a personal concierge team available day or night to help you book local events, dinners, or handle holiday activities.
◇ Built-in Safety: Comes with included overseas travel and medical insurance, interstate flight convenience insurance, and rental excess cover. It also protects your shopping with a 90-day purchase protection plan and an extended warranty.
◇ Extra Program Access: Gain entry to the Exclusives ANZ and VISA Entertainment programs for exclusive event invitations.
What to Know Before You Apply
Fewer Days to Pay: This premium card only gives you up to 44 interest-free days to pay your closing balance, which is shorter than standard low-fee cards.
High Premium Limit: You must pass a strict credit check to support a high minimum credit limit of $15,000.
High Card Fees: The total $425 annual fee is split into a $370 account fee and a $55 rewards program service fee. Adding an extra cardholder will cost you $65 extra per year.
International Spending Extra: Every time you buy something from an overseas store or online site, this card charges a high 3.5% foreign currency conversion fee.
Virgin Velocity High Flyer
Our Take
Best For: Virgin Australia Point Boosting - The Virgin Velocity High Flyer is Perfect for travelers who love flying with Virgin and want to fast-track a massive stack of Velocity points quickly.
What frequent flyer points and benefits do you get: You score up to 100,000 Velocity points. You also earn 1 Velocity point per $1 spent on purchases up to $8,000 each month, and 0.5 points per dollar after that.
Our favourite feature: The $129 Virgin Australia Gift Voucher you get every single year! It helps pay for your next flight and directly offsets the card's annual fee.
Its Top Perks
◇ Split Point Bonus: You will earn 80,000 Velocity points when you spend $3,500 each month on eligible purchases in the first 2 months from approval. On top of that, you will receive an extra 20,000 Velocity points when you keep your card open for over 12 months. (Bonus offer is only available to new Virgin Money credit card holders.)
◇ Travel Insurance Included: You and your family get free international travel insurance and transit accident insurance whenever you head overseas.
◇ Visa Signature Bonuses: You gain access to a 24/7 personal concierge and special Visa Signature benefits that give you discounts on hotels and holidays.
◇ Shopping Safety: Includes built-in shopping protection like purchase protection to look after the items you buy.
What to Know Before You Apply
Temporary Wait Time: New applications for this specific card are temporarily closed, so you'll have to keep an eye on the provider's page for when it opens back up!
High Income: You must earn a minimum salary of at least $75,000 and have a good credit rating to apply.
Card Limits: The minimum credit limit starts at $15,000 and can go up to $100,000.
Overseas Surcharge: If you shop on global websites or while on an international trip, the card charges a 2.7% fee on foreign transaction amounts, but it's still lower than the standard 3% fee most other cards charge.
St.George Amplify Signature
Our Take
Best For: Airline Reward Flexibility - The St.George Amplify Signature card is perfect if you like flexibility because it lets you choose whether you want to earn Velocity Points, Singapore Airlines KrisFlyer miles, or Qantas points!
What frequent flyer points and benefits do you get: Depending on your track, you can get 100,000 Velocity/KrisFlyer points (converted from 200,000 Amplify points) or 150,000 Qantas points. You earn 3 Amplify points on international spend, 2 points on everyday spend, and 1 point on all other purchases.
Our favourite feature: The awesome bonus points options! We love that you aren't locked into just one airline and get to choose whether you want to collect Amplify points, Velocity points, or Qantas points.
Its Top Perks
◇ Your Choice of Rewards: If you pick the Amplify track, get 100,000 points in year one and 100,000 points in year two (after spending $12,000 each year). These convert to 100,000 Velocity/KrisFlyer points or $900 in e-Gift cards! If you pick Qantas, collect 90,000 points in year one and 60,000 in year two (after spending $6,000 within 120 days of approval each year).
◇ Global Lounge Access: Travel like a VIP with 2 free Priority Pass lounge visits every single year. This works at over 1,700 airport lounges all around the world!
◇ VIP Hotel Treatment: Get free entry into the Visa Luxury Hotel Collection for privileges like best-available accommodation rates, free room upgrades, and a late 3pm checkout.
◇ Free Extra Card: You can add an additional cardholder to the account for free so you can collect points together even faster.
◇ Full Insurance Cover: Includes complimentary domestic and overseas travel insurance, plus extra protection like extended warranty and purchase protection.
What to Know Before You Apply
Brand New Members Only: The sign-up bonus points are only for new cardholders. If you have owned an Amplify credit card from St.George, Bank of Melbourne, or BankSA in the last 24 months, you will miss out.
Rising Annual Fee: New customers pay a discounted annual fee of $199 in the first year ($99 if you are already an existing St.George bank customer), but it jumps to its standard price of $295 a year from year two onwards.
Premium Limit Rules: While there is no fixed minimum income listed, you would need a clear credit history to be approved for its $15,000 minimum credit limit.
Qantas Money Platinum
Our Take
Best For: Discounted Family Flights - This card is great if you do a lot of traveling with family or friends and want to save big on flight bookings.
What frequent flyer points and benefits do you get: You get 80,000 bonus Qantas points. You also earn 1 Qantas point per $1 spent domestically (up to a $10,000 cap), 1.5 Qantas points per dollar on international spend, and an extra point on Qantas purchases.
Our favourite feature: The Qantas flight discount! You can save up to 20% on selected domestic flights for you and up to 8 people when booking your travel directly with the Qantas concierge.
Its Top Perks
◇ Fast Sign-Up Bonus: Score 80,000 Qantas points after you spend $5,000 on eligible things within 90 days of card approval. (To qualify, you must not currently hold a Qantas Premier card or have received any one-time Qantas welcome bonus in the past 24 months.)
◇ Airport Comfort: Includes 2 single-entry lounge invitations each year to use at Qantas Club Domestic or Qantas Operated Business Lounges.
◇ Stress-Free Flying: Features complimentary travel insurance, including medical emergency insurance and travel cancellation cover.
◇ All-Hours Concierge: Includes a free 24/7 concierge assistant available for all your travel, lifestyle bookings, and enquiries.
What to Know Before You Apply
Price Step-Up: You pay a cheaper annual fee of $349 in the first year, but the cost increases to its normal $399 annual fee in subsequent years.
Income & Repayment Limits: You must show proof of earning a minimum salary of $35,000 a year before taxes, and you get up to 44 interest-free days on your balance - which is actually a bit lower than the standard 55 days most other cards give you.
Qantas American Express Ultimate
Our Take
Best For: Direct Qantas Value Offset - Best for regular flyers who want high point rewards and a travel credit that instantly covers the card's upfront cost.
What frequent flyer points and benefits do you get: You get 50,000 bonus Qantas points. You also earn a high 1.25 Qantas points on every dollar spent on everyday purchases, which shifts down to 1 point per dollar once you earn a total of 100,000 Qantas points in a calendar year - alongside 0.5 points with government bodies, and 2.25 Qantas points per dollar spent directly with Qantas.
Our favourite feature: The $450 Qantas Travel Credit every year! It gives you $450 to spend on flights, which basically completely covers the cost of the card's annual fee.
Its Top Perks
◇ Kickstarter Points Bonus: You can score a huge 50,000 bonus Qantas points if you spend $5,000 on eligible purchases within the first 3 months of getting approved. Just keep in mind that this special bonus isn't available if you already have an American Express card, or if you have owned one within the past 18 months!
◇ No Foreign Transaction Fees: If you love ordering things from overseas online stores or traveling abroad, this card charges no foreign transaction fees, saving you a lot of money annually.
◇ Four Free Lounge Visits: You get 2 free visits to the American Express Airport Lounges in Sydney and Melbourne International, plus 2 free Qantas Club lounge entries every single year after first spend on selected Qantas products and services.
◇ Uncapped Point Earning: There is no cap on the total number of points you can rack up on this card, making it easier to hit your big goals.
◇ Premium Travel Protection: Gives you and your family complimentary insurance covering medical expenses, transport accidents, travel cancellations, lost baggage, and travel inconveniences like flight delays.
What to Know Before You Apply
Heavy Card Costs: This card has a premium annual fee of $450 and a high purchase interest rate of 23.99% p.a., meaning it is not designed to carry a rolling monthly balance.
Credit Score Standards: While there is no official minimum income number required, you must have a spotless credit record with zero past payment defaults or bad debts.
Earn Rate Speed-Bump: Even though points are overall uncapped, your everyday purchase earn rate will drop down from 1.25 points to 1 Qantas point per $1 spent if you earn more than 100,000 Qantas points in a calendar year.
Qantas American Express Discovery
Our Take
Best For: Low-Cost Earning - This card is perfect if you want to earn real Qantas points on your purchases without ever paying a single cent in annual fees!
What frequent flyer points and benefits do you get: You get a permanent $0 annual fee. You earn 0.75 Qantas points per $1 spent on normal everyday purchases, 0.5 points on transactions with government bodies, and a high 1.75 Qantas points per dollar spent on eligible Qantas products or services.
Our favourite feature: The free extra cards! You can add up to 4 additional cards for family and friends at no extra cost to boost your point balance together.
Its Top Perks
◇ Uncapped and Free: You never have to pay a yearly fee, and your point earnings are entirely uncapped.
◇ Refund Guard Protection: Offers refund protection within the first 90 days of purchase if you are refused a retailer refund on an unused eligible item bought using the card.
What to Know Before You Apply
No Sign-Up Gifts: Because this is a basic, fee-free card, it does not offer any large introductory welcome points or airport lounge vouchers.
High Interest Cost: The purchase interest rate is 23.99% p.a. If you don't pay off your full balance every month, the interest charges will wipe out your point savings very quickly. It also only gives you up to 44 interest-free days, which is definitely on the lower end compared to the usual 55 days most other cards give you.
Lower Earning on Bills: Keep in mind that making payments to Australian government bodies (like tax bills or council rates) drops your points-earning rate down to 0.5 points per dollar.
Application Eligibility: To be approved, you must have a completely clean credit file with absolutely no history of bad debt or payment defaults.
We hope you found our list of best frequent flyer credit cards in Australia for 2026 helpful! Feel free to comment below with your thoughts on our blog.
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