200,000 bonus Qantas Points
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Qantas credit cards that earn the highest points
What we'll be covering
Qantas Frequent Flyer is the most popular frequent flyer program in Australia, with Qantas Points in high demand from its millions of members.
Earning Qantas Points from credit card spend is one of the key ways that many Qantas Frequent Flyer members earn their points. If you happen to put a lot of your day-to-day spend on any of American Express, Visa or MasterCard, there are some high points earning options out there.
We have updated this list of some of the highest Qantas Point earning cards on the market, with options earning at least 1 Qantas Point per A$1 into an overview table so you can assess the cards that are out there versus those you may have in your wallet. We also include some of the current sign-up bonuses for new card applicants.
The highest-earning Qantas Point credit cards
| Credit Card | Earn Rate | Points Cap | Annual Fee ($) | Guide |
|---|---|---|---|---|
 American Express Qantas Ultimate ↓ | 1.25 points on general spend including utilities and telecom 2.25 points with Qantas 0.5 Qantas Point per $1 on government spend | After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.* For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. | 450 p.a. | Read Here |
 American Express Qantas Business Rewards Card ↓ | 1.25 points on general spend 2.25 points with Qantas 0.5 Qantas Point per $1 on government spend | After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. | $450 p.a. | Read Here |
 Diners Club Frequent Flyer + World MasterCard | 1.25 point with Diners 0.5 point with Mastercard Selected Qantas purchases: 2.25 points with Diners 1.5 points with Mastercard | uncapped | 260 p.a. | Read Here |
 Qantas Premier Titanium | 1.25 point on general spend 2 points on overseas spend 3.25 points with Qantas | $12,500 spent per statement period 0.5 Qantas Points per $1 spent thereafter | 1,200 p.a. | Read Here |
 American Express Platinum Card ↓ | 1.125 points on all eligible spend, and 0.5 point on spend at government bodies | uncapped | 1,450 p.a. | Read Here |
 American Express Platinum Business Card ↓ | 1.125 points on all eligible spend, and 0.5 point on spend at government bodies | uncapped | 1,750 p.a. | Read Here |
 Qantas American Express Premium ↓ | 1 point on general spend including utilities and telecom 2 points with Qantas 0.5 Qantas Point per $1 on government spend | uncapped | 249 p.a. | Read Here |
 Qantas Premier Platinum Mastercard ↓ | 1 point on general spend 1.5 points on overseas spend 2 points with Qantas | $10,000 per statement period, 0.5 Qantas Points per $1 thereafter | 399 p.a. | Read Here |
 NAB Qantas Rewards Signature Visa ↓ | 1 point on general spend 2 points with Qantas | $5,000 0.5 point per $ after cap up to $20,000 | 420 p.a. | Read Here |
 BoQ Specialist Qantas Signature Visa | 1 point domestic spend 1.5 points overseas 2 points with Qantas | 10,000 pcm 0.5 points per $ afterwards | 400 p.a. | Read Here |
 ANZ Frequent Flyer Black ↓ | 1 point | $7,500 per month 0.5 point per $ after cap | 425 p.a. | Read Here |
 Qudos Bank Visa Platinum | 1 point 2 points with Qantas | $2,500 per month and $200,000 per year | 249 p.a. | Read Here |
 HSBC Platinum Qantas Visa | 1 point | $1,000 per month | 99 p.a. | Read Here |
 Westpac Altitude Qantas Black | 0.75 point on general spend | $250,000 per year | 250 p.a. plus $50 opt-in fee for Mastercard | Read Here |
How do I use this list?
For all the cards and offers listed on this page we are looking at two things:
- ‘direct earn rates’ of credit cards which directly earn Qantas Points on eligible spend, or
- ‘effective earn rates’ of cards which earn points into a flexible rewards program, but later allows transfers to Qantas Frequent Flyer at varying rates.
The ‘effective earn rate’ is an important number which standardises the number of Qantas Points you could earn from different flexible rewards programs, after earning rates for spend and transfer rates to Qantas Frequent Flyer are taken into account.
The numbers in this table are already calculated as ‘effective earn rates’, which means you can more easily compare those cards to ‘direct earn’ Qantas Frequent Flyer cards.
What do I need to consider in a Qantas co-branded credit card?
In addition to the card’s usual earn rates, you should also consider:
- Unique benefits offered, such as shopping perks or complimentary insurance
- Any card sign-up bonuses for new users
- Other transfer partners that flexible rewards programs have, apart from Qantas
- Card annual fees and overall T&Cs
- Google and Apple Pay capabilities, which are becoming increasingly useful
A large signup bonus might be rewarding enough to help offset a lower earn rate or a higher annual fee on a card, so bear that in mind. Each card offer and other information on this page should be up to date at the date of publication, however, please note that we update our offers over time. If you need more information with comparing different cards, check out our overview table for detailed information on rewards.
Why doesn’t Qantas have more flexible points program partners?
Qantas Frequent Flyer made the strategic decision in 2009 to work primarily with their bank partners to offer ‘direct earn cards’ only. This allows them to have more control over their members.
As such, most members will only be able to directly earn Qantas Points on participating cards, rather than earning into a flexible rewards program.
There are only a couple of exceptions to this, which we cover in more detail in our guide to cards that offer transfers of Qantas Points. Also, those cards offer transfer bonus promotions which increase the effective earn rates of those cards.
The exceptions are:
- The $1,450 p.a. Platinum Card from American Express or the $1,750 p.a. Business version of the card allows transfers from Membership Rewards Ascent Premium. You’ll get 1 Qantas Point per 2 Membership Rewards Points transferred over.
- Westpac Altitude Business Platinum and Business Gold accounts allow transfers from Altitude Rewards. You’ll get 1 Qantas Point per 2 Altitude Points transferred over.
Current deals for Qantas Frequent Flyer-earning credit cards
American Express® Platinum Business Card
- Sign-up Bonus: 250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year*
- Rewards Earn Rate: Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent.
- Annual Fee: $875 in the first year (normally $1,750 p.a)*
- Offer expires: 27 May 2025
Earn 250,000 Membership Rewards Bonus Points and half annual Card fee of $875 (normally $1,750) in the first year* when you apply by 27 May 2025, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of approval. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. T&Cs apply. Available for new American Express Card Members only.
American Express Qantas Business Rewards
- Sign-up Bonus: 170,000 bonus Qantas Points
- Rewards Earn Rate: Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business purchases, and 0.5 Qantas Points per $1 spent on government charges. After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent..
- Annual Fee: $450 p.a. and up to 99 Employee Cards at no additional cost
- Offer expires: 8 April 2025
The American Express Qantas Business Rewards Card has 170,000 bonus Qantas Points on offer when you apply by 8 April 2025 and spend $6,000 on eligible purchases on your Card in the first 3 months of the approval date. The card earns Qantas Points on spend and is transferred automatically into the business' Qantas Business Rewards account offering more flexibility for business owners. T&Cs apply. New Card Members only.
Westpac Altitude Qantas Black
- Sign-up Bonus: Up to 120,000 bonus Qantas Points
- Rewards Earn Rate: Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
- Annual Fee: $295 p.a. plus $75 annual Rewards fee if you choose to earn Qantas Points
- Offer expires: 30 April 2025
The Westpac Qantas Black has up to 120,000 Qantas Points on offer for new cardholders. The card offers high points earn rates plus ongoing benefits, including Qantas lounge invites.
Qantas Premier Platinum
- Sign-up Bonus: Up to 90,000 bonus Qantas Points
- Rewards Earn Rate: 1 Qantas Point per whole AU$1 on Domestic Spend up to $10,000 per statement period and 0.5 thereafter. 1.5 Qantas Points per whole AU$1 equivalent on international spend plus 1 additional Qantas Point per whole AU$1 on selected Qantas spend.
- Annual Fee: $349 for the first year and $399 p.a. ongoing
The Qantas Premier Platinum card offers 50,000 bonus Qantas Points for new cardholders who spend $5,000 or more on eligible purchases within 3 months from approval, and an additional 40,000 bonus Qantas Points for those who haven’t earned Qantas Points with a credit or charge card in the last 12 months. The card also includes a discounted first-year annual fee, two complimentary airport lounge passes, and 0% p.a. interest for 6 months on Balance Transfers (a 2% Balance Transfer fee applies).
American Express Platinum Card
- Sign-up Bonus: 225,000 bonus Membership Rewards points
- Rewards Earn Rate: Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent.
- Annual Fee: $1,450 p.a.
- Offer expires: 8 April 2025
The American Express Platinum Card is offering 225,000 bonus Membership Rewards Points¹ for new American Express Card Members who apply by 8 April 2025 and spend $5,000 on eligible purchases in the first 3 months of approval. It also comes with up to $400 in Global Dining Credit¹¹ per calendar year and a $450 annual Travel Credit⁵. A great card for those who want to earn Membership Rewards Points on everyday spend and transferable to over 10 major Airline Rewards Partner Programs⁸. T&Cs apply.
Qantas American Express Ultimate
- Sign-up Bonus: 100,000 bonus Qantas Points
- Rewards Earn Rate: 1.25 Qantas Points earned per $1 on eligible everyday purchases. 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia. 0.5 Qantas Point per $1 at government bodies in Australia. After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent..
- Annual Fee: $450 p.a.
The Qantas American Express Ultimate Card has 100,000 bonus Qantas Points on offer for new American Express Card Members who apply by 18 March 2025. It’s one of the highest-earning Qantas Point cards and comes with a $450 Qantas Travel Credit each year plus a range of premium travel benefits. Eligibility criteria, minimum spend and T&Cs apply. New Card Members only.
Qantas American Express Premium
- Sign-up Bonus: 20,000 bonus Qantas Points
- Rewards Earn Rate: 1 Qantas Point earned per $1 spent on eligible purchases. 1 additional Qantas Point per $1 on selected Qantas products and services in Australia. 0.5 Qantas Points per $1 spent at government bodies in Australia.
- Annual Fee: $249 p.a. annual fee
The Qantas American Express Premium Card has 20,000 bonus Qantas Points on offer for new American Express Card Members who apply online, are approved, and spend $3,000 on your new Card within the first 3 months of approval date. The card comes with 2 Qantas Club invitations each Card Member year and earns up to 2 Qantas Points per $ on eligible purchases.
Summing up
The focus of this guide is to outline the highest-earning Qantas Point credit cards out there on a per-dollar basis. The featured cards tend to have higher earn rates or better sign-up bonuses at the moment.
But there are still many other Qantas Frequent Flyer-linked cards on the market with varying points earn rates and annual fees. Browse our card overview table for more detailed information. While you’re here, don’t forget to also check the list of best Qantas Frequent Flyer credit cards with great sign-up bonuses.
Qantas credit cards that earn the highest points was last modified: November 1st, 2024 by
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and a 10% bonus each year on the month of your birthday, which brings the ratio to 1 dollar = 0.825 Qantas points.
I pay some business bills with my card, so the uncapped earn rate from St George works out better than any of the above MC/VS card.
I haven’t had a chance yet to try this out.
0.66 pts per $1, with 50k bonus sign up offer atm.
I already have one of the listed cards above. Do you think it is possible to apply for a new credit with a different provider and maintain your existing frequent flyer points and receive the bonus points (assuming you meet the minimum spending requirement)?
“6. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.”
Where exactly does it specify this on ANZ website? I couldn’t find any mention of 2.5 points per $ spent with Qantas.
You will earn 1 Qantas Point per $1 spent on eligible purchases for the first $2,500 spent per statement period, then 0.5 Qantas Points per $1 spent for the remainder of that statement period on the Jetstar Platinum MasterCard.
Qantas Points can be earned up to a maximum of 100,000 points per year on the Jetstar Platinum MasterCard.
I’ve got one of these & was very sad when they brought in the $2500 cap last year.
It’s definitely true when opting to earn Citi Rewards points, but the earn rate when sweeping to Qantas is fixed at 1 point / dollar if I’m reading the terms and conditions that came with the card correctly.
It’s slightly upsetting that for all the flexible scheme cards (such as the Citi series) the sign-on bonuses are effectively twice as valuable (if not more so) if you shift them to Qantas as opposed to Velocity, KF and so on.
Is this disparity something you’ve heard anything about with regard to the issuer’s thinking on the matter?