Credit CardBonus Points OfferPoints Per $1 SpendAnnual Fee
ANZ Frequent Flyer Black100,000 Qantas Points1$425
Qantas Premier Platinum120,000 Qantas Points1$199*
Qantas American Express Ultimate55,000 Qantas Points1.25$450
St.George Amplify Signature100,000 Velocity Points or KrisFlyer Miles0.75$139*
American Express Velocity Platinum100,000 Velocity Points1.25$375
NAB Rewards Signature45,000 Velocity Points*1.25$295
Qantas American Express Discovery -0.75$0

Paying for your holiday with your frequent flyer points can be so satisfying! It gets even better when traveling through airports you get complimentary free lounge access on frequent flyer credit cards. Deciding on the best frequent flyer credit cards can be a little difficult. So sometimes we just find ourselves settling for the familiar brands without doing some research. To help out, we have compared and listed the best frequent flyer credit cards in Australia. 

A frequent flyer credit card is a fantastic option if you wish to reap rewards for using your credit card in the form of free flights. It works best for you when you pay off your credit card balance each month to avoid interest charges. As the cost of interest charges can sometimes outweigh the benefit of the frequent flyer points. Or if you travel constantly then this is no brainer and is the perfect option for speeding up your point tally. 

ANZ Frequent Flyer Black

  • Bonus Points: 100,000 Qantas Points.

  • Points Per Spend: 1 Qantas Point per $1 spent up to $7,500 and 0.50 Qantas points furthermore. Extra 1 point for Qantas products or services. 

  • Annual Fee: $425.

Why We Like It:

The ANZ Frequent Flyer Black is on our list of best frequent flyer credit cards because of its super bonus offer! A big bonus of 100,000 Qantas Points and $200 cash back offer is available when you spend $4,000 on eligible purchases in the first 3 months of approval.

Your everyday purchases will earn 1 Qantas Point per $1 spent on eligible transactions up to $7,500 per statement period. On purchases above $7,500 you then receive 0.5 Qantas Points per $1 spend. Earn extra points on Qantas products or services with 1 bonus Qantas point per $1 spent. Points are uncapped so the sky is the limit! See the list of ANZ non-eligible purchases @ 23.Exceptions.

Interest rates on the card are set at 19.99% p.a. coupled with an annual fee of $425 p.a. Its minimum credit limit is $15,000. 

 

Extra Benefits:  

You get to enjoy complimentary two Qantas Club lounge access passes each year and a discounted first year Qantas club membership for new members. Also, you'll gain access to Exclusives ANZ and VISA Entertainment to get exclusive invitations to events in entertainment and lifestyle. Whenever you need assistance with booking or planning your events its 24/7 concierge services are at your call. 

Travel related insurances inclusive are overseas travel and medical, interstate flight convenience insurance and rental excess cover. In addition, shop with confidence with its eligible extended warranty, best price guaranteed and 90-day purchase protection. 

 

Income Eligibility: 

Minimum income required is $75,000.

 

Qantas Premier Platinum

  • Bonus Points: 120,000 Qantas Points.

  • Points Per Spend: 1 Qantas points per $1 domestic spend up to $10,000 & 0.5 Qantas Points furthermore. 1.5 Qantas point per $1 international spend. Extra 1 Qantas Point on Qantas purchases. 

  • Annual Fee: $299 p.a. 1st year is $199. 

Why We Like It:

The Qantas Premier Platinum gets you 120,000 bonus Qantas Points when you spend $1,500 or more each month over the first 6 months.

Every $1 spent domestically will earn you 1 Qantas Points up to $10,000 in spend. And anything over $10,000 will receive 0.5 Qantas Points per $1 spend. Internationally spend per $1 earns 1.5 Qantas Points. While purchases of Qantas products will earn a bonus 1 Qantas Point. See the list of non-eligible purchases on page 4 of Qantas Premier Platinum transaction exclusions.

Its interest rate is 19.99% with an annual fee of $199 in the first year. But subsequent years will have an annual fee of $299 p.a.

For your first eligible Qantas purchases on your card, you can get 6 months interest free within the six months of account approval.

 

Extra Benefits:  

Get more comfortable with 2 single entry lounge invitations each year to Qantas Club Domestic or Qantas Operated Business Lounges.

Even save up to 20% on selected domestic flights for you and up to 8 people when booking directly with concierge. Qantas' concierge service is available  24/7 for your lifestyle and travel bookings and more. 

Also, receive complimentary travel cover such as medical emergency insurance and travel cancellation cover.

 

Income Eligibility: 

The minimum income required is $35,000.  

 

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 Points on government bodies. Extra 1 Qantas Point on Qantas purchases. 

  • Annual Fee: $450.

Why We Like It:

The Qantas American Express Ultimate has 55,000 bonus Qantas Points when you spend $3,900 in the first 3 months. Every $1 spent earns 1.25 Qantas, except for government bodies in Australia which earn 0.5 Qantas Points.

On top, when you buy Qantas products or services you'll get an extra 1 Qantas Point per $1 spent. Besides having great points, this card has no cap on points earned!

Its interest rate is 20.74% with an annual fee of $450 p.a. 

Do you do online shopping in foreign currency or venture overseas much? If so, its no foreign transaction fees are in your favor. Foreign transaction fees on credit cards are usually 3% of the transaction amount. 

 

Extra Benefits:  

We love receiving travel credits. So we're happy this card offers a $450 Qantas Travel Credit each year for any domestic or internationally Qantas flights. This kinda covers the card's annual fee. Treat yourself to airport comfort with its 2 American Express Airport Lounge and 2 Qantas Club lounge entries each year.

When you travel get complimentary cover for you and your family. Covering medical expenses, transport accident cover, travel cancellations, baggage money and documents and travel inconvenience up to $200 for flight delays.  

Finally, with mobile payments growing in popularity it's good to know this card works on Apple Pay, Samsung Pay and Google Pay. 

 

Income Eligibility: 

The minimum income required is $65,000.  

 

St.George Amplify Signature

  • Bonus Points: 100,000 Velocity Points or KrisFlyer Miles.

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

  • Annual Fee: $279p.a. $139 in first year.

Why We Like It:

The St.George Amplify Signature has one of the highest frequent flyer bonus points offers in the market. Get 130,000 Amplify Points in the first year and another 70,000 points in the second year when you spend at least $12,000 on eligible purchases each year.

The 200,000 Amplify Points over two years is the equivalent of up to 100,000 Velocity points or KrisFlyer Miles or $900 in e-Gift cards.

For each $1 spent you earn 1.5 Amplify Points on eligible purchases and yep it's uncapped too! Then trade your 1.5 Amplify points in for 0.75 Velocity points or KrisFlyer Miles. To speed up your point earnings you can add one additional cardholder for free. 

It has a special annual fee offer of $139 in the first year and $279 thereafter. Plus, transfer your credit card balance over with its balance transfer offer of 0% p.a. for 6 months with no transfer fee; the reverted interest rate is 21.49%. 

 

Extra Benefits:  

Kick back and relax while in transit with its 2 complimentary Priority Pass lounge visits per year. Secure free membership to Visa's Luxury Hotel Collection with the privileges of best available rates, free room upgrades, and late check of 3 pm at some of the hotels worldwide. Furthermore, you'll have 24/7 access to its concierge service to assist you with lifestyle planning and bookings. 

When taking your holiday overseas feel free to take advantage of its complimentary overseas travel insurance. Or shop with more peace of mind with its extra benefits like extended warranty, purchase protection, and best price guarantee.  

 

Income Eligibility: 

No set minimum income required. 

 

American Express Velocity Platinum

  • Bonus Points: 100,000 Velocity Points.

  • Points Per Spend: 1.25 Velocity Points per $1 spent on purchases & 0.5 Points on government purchases. 1 extra Velocity Point on Virgin Australia purchases.

  • Annual Fee: $375.

Why We Like It:

The American Express Velocity Platinum card offers 100,000 Velocity Points if you spend $3,000 in the first 4 months from the approval date. 

For your everyday purchases, each $1 spent receives 1.25 Velocity Points. Get 0.5 Velocity Points for government bodies. Plus, any purchases with Virgin Australia will earn you 1 extra Velocity Point per $1 spent. 

Want to grow your points even faster? Then use up to 4 extra cards for family members or friends at no added cost. 

Its interest rate is standard at 20.74% p.a. and has an annual fee of $375 p.a. Also, has an attractive balance transfer offers 0% for the first 12 months with a 1% balance transfer fee. 

 

Extra Benefits:  

Travel benefits include a complimentary domestic return flight (economy) via Virgin Australia between selected cities each year. Kick back more when traveling between selected domestic airports by using its Virgin Australia lounge passes provided yearly.

Furthermore, you get two entries each year to the American Express Lounge at the Sydney International or Melbourne International Airports. 

It covers you with domestic and international travel insurance when booking flights with your credit card. But if you encounter flight delays, missed connections or delayed luggage then its travel inconvenience insurance can have you covered.

Receive 24/7 platinum priority service to assist you with planning and book flights, events, car rentals and more. Or when making purchases online or instore receive refund protection and purchase protection services. 

If you're the user of mobile payments then you can use Apple Pay, Samsung Pay, and Google Pay with this card.

 

Income Eligibility: 

The minimum income required is $65,000.  

 

NAB Rewards Signature

  •  Bonus Points: 45,000 Velocity Points or other mile programs options.

  • 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:

Score a 90,000 points bonus with the NAB Rewards Signature if you spend $2,500 on everyday purchases within 60 days of account opening. Those bonus points can get you $450 with Webjet or in gift cards.

Convert your points into loyalty point schemes like Webjet, Air Miles, Air New Zealand Airpoints, Velocity Flyer or KrisFlyer. 1 Rewards Point with NAB Rewards will convert to the following: 0.33 Asiam miles, 0.33 KrisFlyer Miles, 0.5 Velocity Points or 0.005 Airpont dollars.

Earn 1.25 points per $1 spend on everyday purchases with uncapped earnings. Or get 2.5 points on purchases made in-store or online at major department and hardware stores in Australia. These include Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10 and more.

The Purchase interest rate on this credit card is 19.99% p.a. with an annual fee of $295. Looking for a balance transfer offer too? If so, then you may be interested in its 0% for 6 months with a 2% transfer fee. 

 

Extra Benefits:  

Have your own personal concierge 24/7 to assist you with lifestyle and planning services. Or book your next adventure through the Visa Entertainment membership program. Pack your suitcases and fly overseas feeling more secure with its complimentary overseas travel insurance, transport accident insurance, Interstate flight inconvenience insurance or Domestic hotel burglary insurance. 

Furthermore, purchase your next online or in-store goods with more confidence by being covered with Purchase protection insurance, Extended warranty insurance, and Price protection insurance.

 

Income Eligibility: 

No set minimum income is required. 

 

Qantas American Express Discovery

  • Bonus Points: N/a.

  • Points Per Spend: Earn 0.75 Qantas Points for every $1 spent. 0.5 Qantas Points at goverment bodies. Get extra 1 Qantas Point on Qantas purchases.  

  • Annual Fee: $0.

Why We Like It:

We've add Qantas American Express Discovery to our list for our users who don't want to pay annual fees. This credit card gets you 0.75 Qantas Points for every $1 spent on card purchases at non-government bodies. For purchases made at government bodies in Australia will earn you 0.5 Qantas Points for $1 spent. Earn 1 extra Qantas Point every time you spend $1 with Qantas.

The purchase interest is 20.74% p.a., plus it has a balance transfer offer of 0% p.a. for the first 12 months with a 1% transfer fee.

 

Extra Benefits:  

Use its refund protection on the account if ever you're refused a refund on an unused eligible item within the first 90 days of purchase.

Mobile payment platforms available for the card are Apple Pay, Samsung Pay or Google Pay.

 

Income Eligibility: 

The minimum income required is $35,000.

 

We hope you found our list of best frequent flyer credit cards in Australia for 2019 helpful! Feel free to comment below with your thoughts on our blog.

Check out our other similar best credit cards below:

Best travel credit cards 

Best rewards credit cards 

 

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