Credit CardBonus Points OfferFlyer Points / $1 SpendAnnual Fee
ANZ Frequent Flyer Black130,000 Qantas Points & $250 cashback1$425
Qantas Amex Ultimate55,000 Qantas Points1.25$450
St.George Amplify Signature100,000 Velocity Points or KrisFlyer Miles*0.75$279
ANZ Rewards Black90,000 Velocity Points*1$0*
Qantas Premier Platinum90,000 Qantas Points1$199*
NAB Rewards Signature60,000 Velocity Points*0.62$295
Qantas Amex Discovery -0.75$0
Amex Essential (Velocity Points)-0.62$0

Paying for a holiday with carefully accumulated frequent flyer 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 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. 

ANZ Frequent Flyer Black

  • Bonus Points: 130,000 Qantas points & $250 cashback bonus.

  • Points Per Spend: 1 Qantas point per $1 spent up to $7,500, then 0.50 Qantas points after that. Earn an extra 1 point for money spent on Qantas products or services. 

  • Annual Fee: $425.

Why We Like It:

The ANZ Frequent Flyer Black card is on our list because of its superb bonus offer!

Apply for the Black card now, and you can earn a bonus of 100,000 Qantas points and $250 cashback, provided you spend $3,000 on eligible purchases in the first 3 months after approval. Plus, you’ll get an extra 30,000 Qantas points when you keep the card for over 12 months. Be aware: this bonus offer is only available to new ANZ frequent flyer cardholders or those who have not had one in the last 12 months. 

On top, build up your frequent flyer points simply by spending. Everyday purchases earn 1 Qantas point per $1 spent on eligible transactions, up to $7,500 per statement period. After you hit this limit, you’ll receive 0.5 Qantas points per $1 spent.

Earn extra points on Qantas products or services too, with 1 bonus Qantas point per $1 spent. Points are uncapped, so the sky is the limit! (Some exceptions apply to this deal, so for all the information, check out the full list of ANZ non-eligible purchases @ 23.Exceptions).

The interest rate on the card is 19.99% p.a. The annual fee is $425.

 

Extra Benefits:  

The travel perks don’t stop at the above offers. Cardholders also enjoy 2 complimentary passes each year to Qantas Club lounges or Qantas-operated International Business lounges. New Qantas Club members can have their joining fee waived, too, and pay a discounted first- year membership cost, equating to a significant $497 discount.

In addition, people with the Frequent Flyer Black card gain access to Exclusives ANZ and VISA Entertainment programs. As a member, enjoy exclusive invitations to events in entertainment and lifestyle categories.

Then, if you need assistance with booking or planning any of your outings, simply utilise the 24/7 concierge services standing by for your call. This feature is particularly handy when you’re travelling and wish to find and book the best local events. 

Of course, no frequent flyer card would be worth its salt without travel insurance, either. The Black card comes with included overseas travel and medical insurance, along with interstate flight convenience insurance and rental excess cover. 

When you shop, whether at home or when travelling, eligible purchases on the card are covered by extended warranty, too. Plus, you get to take advantage of a best price guarantee and handy 90-day purchase protection.  

 

Income Eligibility: 

No set minimum income is required, but the minimum credit limit on this card is $15,000. 

 

Qantas American Express Ultimate

  • Bonus Points: 55,000 Qantas points.

  • Points Per Spend: 1.25 Qantas points per $1 spent on everyday spending & 0.5 Qantas points on government bodies. Extra 1 Qantas point on Qantas purchases. 

  • Annual Fee: $450.

Why We Like It:

The Qantas American Express Ultimate card will reward new cardholders with 55,000 bonus Qantas points provided they spend $3,000 in the first 3 months after approval. However, this bonus offer is unavailable to existing American Express card members or those who were members within the past 18 months. 

Every $1 spent earns 1.25 Qantas points on every day, eligible purchases. Spending with government bodies in Australia earns a lower 0.5 Qantas points per dollar, while rewards actually double the standard offering when you shop with Qantas.

Buy eligible Qantas products or services and receive 2 Qantas points for every $1 spent. 

Besides having an excellent points-earning rate, this card has no cap on the number of points you can earn, making it that much easier to reach your travel goals. 

Plus, if you’re a regular online shopper, particularly with overseas stores or otherwise in foreign currencies, you’ll be pleased to hear that this Qantas AMEX card charges no foreign transaction fees. You’ll save yourself a lot of money annually on foreign purchases as a result. 

The interest rate charged on this card is 20.74%, and it has an annual fee of $450.

 

Extra Benefits:  

We love that this card provides customers with a $450 Qantas travel credit each year for domestic or international Qantas flights. This credit amount basically covers the card's annual fee, so that leaves you to enjoy all the other card perks guilt-free.

Treat yourself to airport comfort when you travel, too, with 2 free American Express Airport Lounge at Sydney and Melbourne International and 2 Qantas Club lounge entries every year.

Your trips are covered against problems, as you’ll enjoy complimentary insurance for you and your family. This AMEX card, perfect for travellers, provides cover for medical expenses, transport accident cover, travel cancellations, and travel inconvenience up to $200 for flight delays. It also helps out in the case of lost baggage, money, or documents.  

Plus, with mobile payments growing in popularity all the time, it's good to know this credit card works on Apple Pay, Samsung Pay, and Google Pay.  

 

Income Eligibility: 

The minimum income required for this card is $65,000.   

 

St.George Amplify Signature

  • Bonus Points: 100,000 Velocity points or KrisFlyer miles (converted from 200,000 Amplify points).

  • Points Per Spend: 0.75 Velocity points per $1 spend on eligible purchases.

  • Annual Fee: $279.

Why We Like It:

The St.George Amplify Signature credit card has one of the highest frequent flyer bonus point offers on the market, so is well worth checking out.

Apply today, and you can receive 100,000 Amplify Points in the 1st year and another 100,000 points in the 2nd year, provided you spend at least $12,000 on eligible purchases annually. (Note: this bonus offer is only available to new Amplify cardholders or people who haven’t had one in the last 12 months.)

Once you’ve racked up all these Amplify points, convert them to points or miles with airlines. For example, the bonus 200,000 Amplify points you receive translates to 100,000 Virgin Velocity points or Singapore Airlines KrisFlyer miles. Alternatively, trade in these points for $900 worth of e-Gift cards. 

For each $1 spent on your card on eligible purchases, you’ll earn 1.5 Amplify points (equating to 0.75 Velocity points or KrisFlyer miles). Better yet, this earning potential is uncapped! You can even earn more points by signing up an additional cardholder for free.  

The Amplify Signature card’s purchase rate is 19.74% p.a and the annual fee is $279.

 

Extra Benefits:  

You can kick back and relax while in transit with the 2 complimentary Priority Pass lounge visits per year that come with this credit card. This offer provides access to 1,300 lounges worldwide, so you’re set no matter where you jet off to. 

As a cardholder, you’ll secure free membership to Visa's Luxury Hotel Collection too. This access provides privileges such as best-available accommodation rates, free room upgrades, and late check out of 3pm at many of the program’s global hotels.

Furthermore, enjoy 24/7 access to the card’s integrated concierge service to assist you with your planning and booking needs. 

When taking your holiday internationally, utilise the Amplify Signature’s complimentary overseas travel insurance. Plus, shop with peace of mind, since cardholders enjoy extra benefits like extended warranty, and purchase protection.  

 

Income Eligibility: 

There is no set minimum income required for this card, but the minimum credit limit is $15,000.   

 

ANZ Rewards Black

  • Bonus Points: 90,000 Velocity points (converted from 180,000 ANZ Reward points).

  • Points Per Spend: 1 Velocity point on purchases of up to $5,000 per statement period and 0.5 Velocity points thereafter.

  • Annual Fee: $0 in the first year, then $375 after.

Why We Like It:

Grab a hot offer right now of 180,000 bonus Rewards points when you spend $2,000 on eligible purchases in the first 3 months after approval on the ANZ Rewards Black card.

Once you have these bonus points, convert them into, for example, 90,000 Velocity points via the ANZ Rewards program. (Please note: the bonus offer is only available to non-cardholders of ANZ Rewards cards or those who have not held one within the last 12 months). 

Reward points earnings are uncapped, so you’re sure to build up a significant number before you know it. Collect 2 Reward points (1 Velocity point) per $1 spent on purchases up to $5,000 per statement period. After this limit, earn 1 Reward point (0.5 Velocity point) for every $1 spent. 

Redeem your points when ready via the ANZ Rewards conversion program, where 1 ANZ Reward points = 0.5 Velocity points. Keep in mind, too, that cardholders can redeem rewards points for frequent flyer miles with Air New Zealand (Airpoints Dollars), Singapore Airlines (KrisFlyer Miles), and Cathay Pacific (Asia Miles). 

The ANZ Rewards Black purchase interest rate is 20.24% p.a., and it gives users up to 55 days’ interest-free. 

The annual fee for the product is $0 in the first year, then $375 after, and the minimum credit limit is $15,000. 

 

Extra Benefits:  

We love that ANZ allows for up to 9 additional cardholders on the Rewards Black card, so you can reach your frequent flyer goals sooner. Each person added to the account costs $65, though. 

Another perk with the card is complimentary access to Exclusives by ANZ for special entertainment offers. If you ever need help making bookings for dining, entertainment, travel, and other outings, why not call on a concierge? This credit card provides complimentary access to your own 24/7 personal concierge.  

Plus, you'll be happy hearing that this popular product comes with free international travel insurance, interstate flight inconvenience, rental vehicle excess in Australia, and transit accident insurance. 

When you shop, you get helpful extras, too. For example, eligible purchases are entitled to free purchase protection and extended warranty. You can also relax knowing you’re paying the lowest cost for goods by taking advantage of the Guaranteed Pricing scheme.  

 

Income Eligibility: 

There's no set minimum income required, however there is a minimum credit limit of $15,000 on this card.

 

Qantas Premier Platinum

  • Bonus Points: 90,000 Qantas points.

  • Points Per Spend: 1 Qantas point per $1 spent domestically up to $10,000 & 0.5 Qantas points thereafter. 1.5 Qantas point per $1 spent internationally. Extra 1 Qantas point on Qantas purchases. 

  • Annual Fee: $199 in the first year, then $299 later on.    

Why We Like It:

The Qantas Premier Platinum credit card dishes out a healthy 90,000 bonus Qantas points once you’ve spent $3,500 on eligible purchases within 3 months of card approval. Note, though, that this offer is only available to new account holders – those currently without a Qantas Premier card or who have not held one in the last 12 months. 

Every $1 spent domestically will earn you 1 Qantas point, up to a $10,000 cap. Purchases over that $10,000 receive 0.5 Qantas points per $1 spent. International spending earns 1.5 Qantas points per dollar.

Purchase Qantas products and receive an additional 1 Qantas point per dollar. (For terms and conditions, see the list of non-eligible purchases on page 4 of the Qantas Premier Platinum transaction exclusions document).

This card currently has an annual fee offer of $199 in the first year and in subsequent years, cardholders must pay a $299 annual fee. 

The interest rate on the Qantas Premier Platinum is 19.99% p.a. However, enjoy 6 months’ interest-free on your first eligible Qantas purchases made on the card. (These must be made within the first 6 months of account approval.)

 

Extra Benefits:  

This card ups the comfort factor when you fly, with 2 single entry lounge invitations each year to Qantas Club Domestic or Qantas Operated Business Lounges.

Furthermore, save up to 20% on selected domestic flights for you and up to 8 people when making your travel bookings directly with the Qantas concierge. This useful complimentary service is available 24/7 for all your lifestyle and travel bookings and enquiries. 

You’ll be pleased to know that you can travel with less stress, too. As a cardholder, you’ll receive complimentary travel insurance, including medical emergency insurance and travel cancellation cover.

 

Income Eligibility: 

The minimum income required is $35,000.  

 

NAB Rewards Signature

  •  Bonus Points: 60,000 Velocity points or other mile program options (converted from 120,000 NAB Reward points).

  • Points Per Spend: 0.62 Velocity points per $1 spend on everyday purchases. 1.25 Velocity points at major department/hardware stores.

  • Annual Fee: $295.

Why We Like It:

National Australia Bank isn’t left out of the list when it comes to top frequent flyer credit cards.

With the NAB Rewards Signature card, you’ll receive 90,000 NAB Reward bonus points if you spend $3,000 on everyday purchases within 60 days of opening your account. After 12 months, there’s another 30,000 NAB Reward points up for grabs.

When ready, convert those combined bonus points into 60,000 Virgin Velocity points or $600 Webjet credit or the same value in gift cards. This bonus sign-up offer is, however, unavailable to existing NAB Rewards cardholders or holders who had one of the cards within the last 12 months. 

If Velocity isn’t your frequent flyer program of choice, don’t worry. You can also convert NAB Rewards points into miles with Webjet, Cathay Pacific’s Air Miles, Air New Zealand’s Airpoints, or Singapore Airlines’ KrisFlyer miles. 1 Reward Point with NAB Rewards will convert to the following: 0.5 Velocity Points, 0.33 Asia miles, 0.33 KrisFlyer miles, or 0.005 Airpoint dollars.

You’ll soon add to your bonus points total by spending money on your card, too. Earn 1.25 NAB Reward points (0.62 Velocity points) for every $1 spent on everyday purchases, with uncapped earnings. 

You’ll also get 2.5 NAB Reward points (1.25 Velocity points) on purchases made in-store or online at major department and hardware stores in Australia such as Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, and others.

The purchase interest rate on this credit card is 19.99% p.a. There is a $295 annual fee.  

 

Extra Benefits:  

As a NAB Rewards Signature cardholder, you’ll have your own personal concierge available 24/7 to assist you with lifestyle and planning services. Plus, you can also book your next adventure through the Visa Premium Access program for great deals and support. 

We all want to pack our suitcases and fly off knowing we’re protected if anything goes wrong during the trip. Happily, this credit card comes with a raft of cover. It provides complimentary overseas travel insurance, transport accident insurance, Interstate flight inconvenience insurance, and domestic hotel burglary insurance. 

Furthermore, purchase goods online or in-store with more confidence, as you’ll be taken care of with purchase and price protection insurance and extended warranty insurance.

 

Income Eligibility: 

There’s no set minimum income required for this card. 

 

Qantas American Express Discovery

  • Bonus Points: N/a.

  • Points Per Spend: Earn 0.75 Qantas points for every $1 spent, plus 0.5 Qantas points for transactions with government bodies. Earn 1.75 Qantas points for every $1 spent on Qantas purchases.

  • Annual Fee: $0.

Why We Like It:

We've added the Qantas American Express Discovery to the list for our users who want $0 annual fees for Qantas points. 

Points earnings are uncapped on this card, too, which is a big plus. You'll earn 0.75 Qantas points for every $1 spent on card purchases at non-government bodies. Transactions made with government bodies in Australia will earn you 0.5 Qantas points per $1 spent.

Plus, earn 1.75 Qantas points every time you spend $1 on eligible Qantas products or services. 

What’s more, you can boost your points balance further as up to 4 additional cards for family and friends are available at no additional fee. 

This AMEX card’s purchase interest rate is 20.74% p.a., and cardholders enjoy up to 44 days’ interest-free.

 

Extra Benefits:  

Another benefit of this card is that it offers refund protection within the first 90 days of purchase, for times when you’re refused a retailer refund on an unused eligible item. (This cover is contingent on you using your Qantas AMEX Discovery card for the initial purchase.)

Mobile payment platforms are available for the card, too. It works with Apple Pay, Samsung Pay, and Google Pay.

 

Income Eligibility: 

The minimum income required is $35,000 with no history of bad debt or payment default.

 

American Express Essential

  • Bonus Points: N/a.

  • Points Per Spend: 0.62 Velocity points per $1 spent on everyday purchases. 0.5 Velocity points per $1 spent at government bodies in Australia. 

  • Annual Fee: $0.

Why We Like It:

Another good $0 annual fee option for travellers comes from AMEX. The American Express Essential credit card is like having a few different credit card types rolled into one. Not only does it not charge an annual fee, but it also boasts a lower-than-usual interest rate of 14.99% p.a. Plus, it gives you the chance to earn reward points. Adding these power features into the mix is a rare find. 

Accumulate reward points as you spend with 1.25 Rewards point (0.62 Velocity points) per $1 transacted on everyday purchases like coffee or groceries. Furthermore, earn 1 Rewards point (0.5 Velocity point) per $1 spent with government bodies in Australia. 

When it’s time to convert AMEX points to frequent flyer miles, you’ll receive 0.5 Virgin Velocity points for every 1 Reward point. 

Also, at no extra cost, you can stack 4 additional cardholders onto your account, so family members or friends can help you to earn points faster. 

 

Extra Benefits:  

Accidentally cracking your smartphone screen is a horrible feeling. But have no fear, because as an American Express Essential cardholder, you can use the product’s Smartphone Screen Insurance to reduce the pain. The included cover is for up to $500 worth of screen repairs, provided you buy your phone or contract using the credit card.

On top, have your purchased items covered for 90 days by the card’s purchase protection, and sleep easy knowing you have refund protection shopping insurance, too.

If it’s fun days or nights out you’re after, whether at home or while you travel, you’ll pleased to learn that cardholders enjoy free access to American Express Invites for pre-sale ticket and reserved seating offers for desired events.

Another plus we appreciate is that mobile payment users can setup up their AMEX card with Apple Pay, Samsung Pay, and Google Pay.

 

Income Eligibility: 

The minimum income required is $40,000 with no history of bad debt or payment default. 

 

We hope you found our list of best frequent flyer credit cards in Australia for 2021 helpful! Feel free to comment below with your thoughts on our blog.

Here are some other articles you might like to read:

Best Travel Credit Cards

Best Rewards Credit Cards 

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