| Credit Card | Top Perks | Points Per $1 Spend | Annual Fee |
|---|---|---|---|
| ANZ Frequent Flyer Black | 130,000 Qantas Points and $200 back | 0.5 - 2 pts | $425 |
| NAB Qantas Rewards Signature | 130,000 Qantas Points Bonus & $250 back | 0.5 - 2 pts | $320* |
| Qantas Amex Ultimate | 50,000 Qantas Points & $450 Travel Credit | 0.5 - 2.25 pts | $450 |
| Qantas Money Platinum | 80,000 Qantas Points Bonus* | 0.5 - 2 pts | $349* |
| Bankwest Qantas Platinum | 80,000 Qantas Points & No Foreign Fees | 0.3 - 0.6 pts | $199 |
| Qantas Money Titanium | 150,000 Qantas Points & Premium Perks | 0.5 - 3.25 pts | $1,200 | Qantas Amex Discovery | Refund Protection | 0.5 - 1.75 pts | $0 |
Booking a free flight using only Qantas points is such a satisfying feeling! If you’re part of the Qantas rewards program, you'd likely want to look opportunities to speed up the process of earning frequent flyer points with a Qantas points credit card so you can redeem more free and lower-cost fares.
To help you earn more points faster, we compiled some of the highest Qantas bonus-point offers and earning rates in one place online. Read on for our pick of the best Qantas points credit cards in Australia right now.
For further inspiration, you can also compare more Qantas frequent flyer credit cards on Kredmo today.
Want to check out other similar best-of travel articles? Take a look at Best Velocity Points Credit Cards.
ANZ Frequent Flyer Black
Our Take
Best For: Upfront Value & Huge Points Boosts - The ANZ Frequent Flyer Black is perfectly suited for those who want a massive points injection alongside an upfront cash reward to immediately help offset the cost of their card.
What Qantas benefits do you get: You get 2 free Qantas Club lounge passes every single year, plus a huge discount on a Qantas Club membership for your first year (saving you up to $497).
Our favourite feature: The ultimate points boost! You get 130,000 Qantas points and $200 back in your pocket (90,000 points and $200 back when you spend $5,000 in the first 3 months, plus another 40,000 points if you keep the card open for over a year).
Its Top Perks
◇ Uncapped Point Earning: You earn 1 Qantas point for every $1 you spend up to $7,500 a month, and 0.5 points per dollar after that. No matter how much you spend, you will keep racking up points.
◇ Bonus Qantas Points: You get an extra 1 point for every dollar you spend directly on Qantas flights, products, or services.
◇ Fun Entertainment Perks: You get special access to VISA Entertainment and ANZ Exclusives for once-in-a-lifetime events, plus a 24/7 personal concierge to help you book things.
◇ Built-in Safety Nets: Comes with overseas travel and medical insurance, interstate flight convenience cover, rental car excess cover, an extended warranty on things you buy, and 90-day purchase protection.
◇ Easy Tap-and-Pay: Works smoothly with your phone or smartwatch for easy shopping.
What to Know Before You Apply
Premium Upfront Cost: This card comes with a total annual fee of $425 (made up of a $370 standard fee plus a $55 rewards fee). It is best suited if you intend to immediately use the lounge passes and points to make that upfront cost worth it.
12-Month Wait for Full Bonus: You won't get all 130,000 points at once. You receive 90,000 points in the first 3 months, but you have to keep the card open for over a year to get the final 40,000 points.
Strict New-Customer Rule: The massive bonus points are strictly for brand-new ANZ frequent flyer customers. If you have held an ANZ frequent flyer card in the last 12 months, you will miss out on the bonus.
High Minimum Limit Checks: While there is no official flat minimum income, the card enforces a strict minimum credit limit of $15,000. ANZ will look very closely at your regular financial statements to ensure you qualify.
NAB Qantas Rewards Signature
Our Take
Best For: Staged Bonuses & First-Year Savings – The NAB Qantas Rewards Signature is perfectly suited for smart point hunters looking for a heavy sign-up bonus spread out over a year, complete with a discounted entry-level price tag.
What Qantas benefits do you get: You get a free Qantas Frequent Flyer membership (saving you the usual $99.50 sign-up fee if you aren't a member yet) and 1 bonus point per dollar spent on Qantas services.
Our favourite feature: The double bonus! You get 130,000 Qantas points and $250 cashback (100,000 points and $250 back when you spend $5,000 in the first 60 days, plus 30,000 points after year one).
Its Top Perks
◇ Strong Point Rates: Earn 1 Qantas point per $1 spent on your everyday shopping up to $5,000 a month, and 0.5 points per dollar between $5,001 and $20,000.
◇ Your Own Assistant: Includes a 24/7 personal concierge to help you plan your nights out, plus special deals through Visa Premium Access.
◇ Peace-of-Mind Insurance: Offers free overseas travel insurance, transport accident insurance, interstate flight inconvenience cover, and even domestic hotel burglary insurance.
◇ Shopper Safeguards: Comes with free purchase protection and extended warranty insurance to keep your new shopping safe.
What to Know Before You Apply
Future Annual Fee Jump: While the annual fee is discounted to $320 in the first year for existing NAB customers, remember that it jumps up to a heavier $420 a year for subsequent years.
Hard Spend Ceiling on Points: Your everyday point earning has a speed limit. Once your monthly statement spending hits $20,000, you will completely stop earning points for the remainder of that statement period.
Exclusionary Visa Restrictions: NAB is strict about who gets the 130,000 points and $250 cashback. If you are on a student, working holiday, or bridging visa, your application will be automatically knocked back.
Two-Year Bonus Lockout: If you have held or received bonus points on a personal NAB Qantas credit card within the last 24 months, you are locked out of receiving this sign-up bonus.
Qantas American Express Ultimate
Our Take
Best For: Uncapped Earners & Guaranteed Flight Value – The Qantas American Express Ultimate is perfectly suited for high everyday spenders who want maximum points per dollar with zero caps, and who travel at least once a year to use the built-in flight credit.
What Qantas benefits do you get: You get 2 free Qantas Club lounge invitations after first spend on selected Qantas products and services and 2 American Express Centurion Lounge passes every year, plus a huge 2.25 Qantas points per $1 spent directly with Qantas.
Our favourite feature: The $450 Qantas Travel Credit. Every single year, Amex gives you a $450 travel credit to spend on domestic or international Qantas flights, which completely wipes out the cost of the annual fee!
Its Top Perks
◇ Supercharged Point Earnings: Earn a high 1.25 Qantas points for every $1 spent on everyday purchases. There is absolutely no cap on how many points you can earn!
◇ Shared Point Power: Skyrocket your point earnings so you can go on that bucket-list trip as soon as possible by adding up to 4 free additional cardholders to the card, letting your family's everyday spending combine into one massive points pool.
◇ Great Travel Protection: Covers you and your family for medical expenses, travel cancellations, baggage delays, and up to $10,000 for lost or stolen luggage or documents.
◇ Interest-Free Instalments: If you need extra time to pay, you can use "Plan It" to break your balance into equal monthly payments at 0% interest for a fixed fee.
What to Know Before You Apply
Higher Interest Traps: This card carries a steep purchase interest rate of 23.99% p.a. It is strictly designed for people who plan to use the "Plan It" instalment feature or pay off their statement balance in full every single month.
Government Spending Penalties: If you use this card to pay for local council rates, tax bills, or other Australian government bodies, your point earning rate drops down to a tiny 0.5 points per dollar.
18-Month Amex Lockout: To claim the 50,000 welcome points, you must be entirely new to American Express. If you have held any card issued directly by Amex Australia in the past 18 months, you won't get the bonus.
International Exchange Cost: While you earn excellent rewards on international spend, be mindful of the 3% foreign transaction fee tacked onto overseas transactions or global online orders, which is exactly standard for the Aussie credit card market.
Qantas Money Platinum
Our Take
Best For: Group Domestic Travel & International Shoppers – The Qantas Money Platinum is perfectly suited for families or groups looking to slash the cost of domestic flights, while pulling in boosted reward points on overseas spending.
What Qantas benefits do you get: You get 2 single-entry passes to Qantas Club Domestic or Qantas-operated International Business Lounges every year, plus an extra 1 point per dollar spent on Qantas products.
Our favourite feature: The 20% Flight Discount! You can save up to 20% on selected Qantas and QantasLink domestic flights for you and up to eight other people every year.
Its Top Perks
◇ Earn Across the Globe: You earn a massive 1.5 Qantas points for every $1 spent internationally, and 1 point per dollar on domestic spending up to $10,000 a month (0.5 points per dollar after that).
◇ Welcome Points: Get a sweet 80,000 bonus Qantas points when you spend $5,000 on eligible purchases within the first 90 days. (If you currently hold or have held any personal Qantas Premier credit card in the last 24 months, you are excluded.)
◇ Travel Help & Safety: Includes a 24/7 concierge for travel bookings, alongside complimentary travel insurance covering medical emergencies and flight cancellations.
What to Know Before You Apply
Clear-Cut Income Barrier: Unlike other platinum cards that hide their requirements, this one has a set entry line: you must have a verifiable minimum income of at least $35,000 a year to get over the line.
Fee for Extra Cardholders: If you want to add a family member or partner to help you build up points faster, it isn't free - additional cards will cost you an extra $50 each per year.
Steeper Year-Two Cost: Your first-year annual fee is a discounted $349, but make sure your budget can handle it when it reverts to the standard $399 every year after that.
Bankwest Qantas Platinum
Our Take
Best For: Low-Fee Global Travelers & Online Shoppers – The Bankwest Qantas Platinum is perfectly suited for budget-conscious holidaymakers who want a lower annual fee and want to wipe out foreign transaction fees completely.
What Qantas benefits do you get: You get a complimentary Qantas Frequent Flyer membership (saving you $99.50) if you aren't already signed up.
Our favourite feature: Zero foreign transaction fees! You can say goodbye to pesky overseas fees entirely whether you are traveling physically or shopping on global websites.
Its Top Perks
◇ Nice Points Boost: New customers get 60,000 bonus Qantas points when they spend $7,500 in the first 90 days, plus an extra 20,000 points if they keep the card active for 15 months (80,000 total).
◇ Everyday Points: Earn 0.6 Qantas points for every $1 spent up to $2,500 a month, and 0.3 points per dollar after that.
◇ Free Extra Cards: You can add up to three friends or family members to your account for a $0 fee to help you collect points much faster.
◇ Instant Digital Wallet: Once you're approved, you can instantly access your new card through the Bankwest app and set it up with Apple Pay, Google Pay, or Samsung Pay to start spending right away.
◇ Complimentary Holiday Coverage: Jet off with total peace of mind thanks to automatic overseas travel insurance that activates whenever you purchase your international return flights using the card.
What to Know Before You Apply
Sharp Points Taper Limit: This card has a very low threshold for heavy spenders. Your everyday point earning rate gets slashed in half (from 0.6 down to 0.3 points per dollar) the moment you spend more than $2,500 in a single month.
Long 15-Month Bonus Wait: To get the full 80,000 bonus points, you have to be patient. You get 60,000 points for spending $7,500 in the first 90 days, but you must keep the account open for 15 months to get the final 20,000 points.
Minimum Limit Requirement: When applying, you must explicitly select a minimum credit limit of $3,000 or higher on your application, otherwise you will forfeit the sign-up bonus points.
Qantas Money Titanium
Our Take
Best For: High Earners & Luxury Travel Perks – The Qantas Money Titanium is perfectly suited for those who want the absolute gold standard of premium travel rewards, ultra-exclusive first-class lounge entry, and don't mind paying a higher annual fee to get them.
What Qantas benefits do you get: A 10% discount on the base fare of eligible Qantas flights (up to two bookings per year for two people), an uncapped 2 points per $1 spent internationally, and 2 bonus points per dollar on Qantas services.
Our favourite feature: The First-Class Lounge Upgrade. The primary cardholder gets two single-entry passes to the ultra-luxurious Qantas First Lounges in Sydney, Melbourne, or Los Angeles each anniversary year, plus two extra passes for domestic Qantas Clubs or Qantas International Business Lounges.
Its Top Perks
◇ Massive Points Influx: Kickstart your balance with a giant 150,000 bonus Qantas points after spending $5,000 within the first 90 days. You also earn a high 1.25 domestic points per dollar (up to $12,500 per statement period, then 0.5 after).
◇ Status Credit Boost: This is the only credit card in Australia that gives you a 20% bonus on Status Credits for eligible Qantas flights, making it way easier to hit Gold or Platinum status.
◇ Elite White-Glove Concierge: Save yourself time, stress, and money by outsourcing your life to the Qantas Premier Titanium Concierge, giving you 24/7 personal assistance to lock in tricky event tickets, restaurant reservations, or travel bookings.
◇ Complete Travel Safeguards: Travel with total peace of mind thanks to comprehensive domestic and overseas travel insurance that covers unexpected medical emergencies, expensive trip cancellations, and rental vehicle excess insurance for both international and local Aussie road trips.
◇ Standalone Family Coverage: On top of the standard policy, your additional cardholders receive complimentary travel insurance automatically - even if they are jetsetting on their own without the primary cardholder.
◇ Extended Global Purchase Shield: Secure your shopping with helpful purchase protection that locks in a massive 180 days of worldwide coverage on eligible purchases, making it particularly handy for high-value items you buy while travelling.
◇ Premium Extras: Comes with a free Qantas Wine Premium Membership, the ability to earn 20,000 extra points via the Qantas Wellbeing App.
What to Know Before You Apply
Massive $1,200 Luxury Tax: This card carries an exceptionally high $1,200 annual fee, meaning it is only a smart financial move if you are an ultra-frequent flyer who will heavily utilize the Qantas First Lounges and flight discounts.
Exclusive Elite Income Bracket: The entry barrier is incredibly high. To even be considered for this heavy metal card, you must have a flawless credit history and earn a substantial minimum income of at least $200,000 a year.
Shorter Interest-Free Window: While most standard credit cards give you 55 days to pay off your purchases, this premium card cuts that window down to just 44 interest-free days.
Cost of Family Sharing: Adding additional cardholders to scale up your points pool comes at a premium - each extra card costs an additional $100 per year.
Qantas American Express Discovery
Our Take
Best For: Entry-Level Points Hunters & Zero-Cost Savers – The Qantas American Express Discovery is perfectly suited for absolute beginners who want to collect Qantas points on their regular shopping without ever paying a single cent in annual fees.
What Qantas benefits do you get: You get a high 1.75 Qantas points for every single dollar you spend on eligible Qantas flights, travel, and services.
Our favourite feature: The $0 annual fee! You can keep this card forever and let your points pile up completely for free without ever worrying about a yearly bill.
Its Top Perks
◇ Uncapped Everyday Points: Earn 0.75 Qantas points for every $1 spent on standard card purchases. Happily, your points are completely uncapped, meaning you can collect as many as you want every single year.
◇ Complete Vault Protection: Boasts premium shopping protection perks such as "The Buyer's Advantage" manufacturer's warranty extension, smartphone screen insurance for accidental cracks, worldwide purchase protection for global shopping, and handy refund protection for items bought within Australia.
◇ Zero-Interest Instalments: Includes Amex's "Plan It" feature, allowing you to pay off your balance in predictable monthly instalments at 0% p.a. interest for a flat monthly fee. It also supports Apple Pay, Google Pay, and Samsung Pay.
What to Know Before You Apply
High Interest Danger Zone: Because this card charges an annual fee of completely $0 forever, Amex offsets this with a very high purchase interest rate of 23.99% p.a.. It is vital that you pay your statement balance in full each month to avoid heavy interest traps.
Zero History of Defaults Allowed: While Amex doesn't enforce a strict minimum income for this entry-level card, they are incredibly strict about credit health. If you have any history of bad debt or a single payment default on your file, you will be rejected.
Reduced Government Earn Rates: Just like its sibling cards, any spending done at Australian government bodies (like the ATO or local councils) earns a lower rate of 0.5 points per dollar.
We hope you found our list of the best Qantas points credit cards in Australia for 2026 helpful! Feel free to comment below with your thoughts on this comparison post.
Plus, you might like to take a look at some other “best credit card” compilations, such as:
Best Frequent Flyer Credit Cards
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