Qantas is the largest frequent flyer program in Australia, making it very easy to earn Qantas Points through a Qantas Points earning credit card.

In this article, we will guide you through all the essential questions you should consider to ensure you are maximising your points earning potential.

Best Qantas Frequent Flyer credit card sign-up bonus point offers

CardBonus PointsAnnual FeeOffer end dateCard Guide
Qantas Points
American Express Qantas Business Rewards
American Express Qantas Business Rewards ↓		170,000 Qantas Points and
2 Qantas Club Lounge Invite		$4508 April 2025Read Here
Qantas Premier Titanium
Qantas Premier Titanium ↓		150,000 Qantas Points$1,200ongoingRead Here
American Express Platinum Business Card
American Express Platinum Business ↓		125,000 Qantas Points
(equivalent)		$875 in the first year
(normally $1,750)		27 May 2025Read Here
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black ↓		Up to 120,000 Qantas Points$295 p.a. + $75
annual Rewards fee		30 April 2025Read Here
American Express Platinum Card
American Express Platinum ↓		112,000 Qantas Points
(equivalent)		$14508 April 2025Read Here
Citi Premier Card
Citi Premier Qantas Credit Card ↓		Up to 100,000 Qantas Points$350ongoingRead Here
Qantas Premier Platinum Card
Qantas Premier Platinum ↓		Up to 90,000 Qantas Points$349 for the first year
and $399 p.a. ongoing		ongoingRead Here
American Express Qantas Ultimate
Qantas American Express Ultimate ↓		50,000 Qantas Points
+ $450 annual Travel Credit		$4501 July 2025Read Here
Qantas American Express Premium
Qantas Amex Premium ↓		30,000 Qantas Points
$249ongoingRead Here

The offers displayed on this page are selected from a range of products across pointhacks.com.au as at the time of publishing this article. The use of terms “Best” and “Top” are derived from the highest bonus points offered.

What is the best credit card for Qantas Frequent Flyer Points?

Find below a roundup of some Qantas Point earning cards with noteworthy bonus offers to know about this month.

American Express Qantas Business Rewards

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  • 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.

Qantas Premier Titanium

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  • Sign-up Bonus: 150,000 Qantas Points
  • Rewards Earn Rate: 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter. 2 Qantas Points per whole AU$1 equivalent on international spend (uncapped). 2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped). 
  • Annual Fee: $1200 p.a.

The Qantas Premier Titanium Mastercard has 150,000 bonus Qantas Points on offer for new cardholders, includes two complimentary Qantas First Class lounge passes per year, discounts on Qantas flights and can help you boost your Qantas status credits.

American Express® Platinum Business Card

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  • Sign-up Bonus: 250,000 Membership Rewards Bonus Points*
  • 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

New American Express Card Members can earn 250,000 Membership Rewards Bonus Points in the first year* when you apply, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of your approval date. Plus, enjoy a half annual Card fee of $875 (normally $1,750) in the first year. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. Offer ends 27 May 2025. T&Cs apply.

Westpac Altitude Qantas Black

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  • 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: 25 March 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.

American Express Platinum Card

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  • 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.

Citi Premier Qantas Credit Card

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  • Sign-up Bonus: Up to 100,000 bonus Qantas Points^
  • Rewards Earn Rate: 1 Qantas Point per $1 spent on Eligible Transactions online or overseas and 0.5 Qantas Point per $1 spent on Eligible Transactions everywhere else, capped at 100,000 Qantas Points over a 12-month period. 
  • Annual Fee: $350 p.a. ongoing

Up to 100,000 bonus Qantas Points are on offer for new cardholders who apply for the Citi Premier Qantas Credit Card. Includes two complimentary Priority Pass™️ airport lounge visits each year and offers up to 1 Qantas Point per $1 on spend.^ This product is provided by National Australia Bank Limited, using certain trademarks temporarily under license from Citigroup Inc.

Qantas Premier Platinum

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  • Sign-up Bonus: Up to 90,000 bonus Qantas Points with the Qantas Premier Platinum card
  • 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).

Qantas American Express Ultimate

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  • Sign-up Bonus: 50,000 bonus Qantas Points¹
  • 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.
  • Offer expires: 1 July 2025

The Qantas American Express Ultimate Card has 50,000 bonus Qantas Points¹ on offer for new American Express Card Members who apply by 1 July 2025. It’s one of the highest-earning Qantas Point cards and comes with a $450 Qantas Travel Credit³ each year plus a range of premium travel benefits. Eligibility criteria, minimum spend and T&Cs apply. New American Express Card Members only.

Qantas American Express Premium

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  • 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.

What are the best ways to earn Qantas Points with a credit card?

  1. Direct earn: These are Qantas Frequent Flyer-branded credit cards that will earn a fixed number of Qantas Points per dollar, with the total amount being transferred to your frequent flyer account monthly.

    Qantas Money has its own range of credit cards which directly earn Qantas Points, as well as American Express, HSBC, ANZ, NAB, St.George and Westpac.
  2. Transfer from other rewards programs: These credit cards will accumulate their own rewards points, which can later be transferred to Qantas Frequent Flyer or other airline program partners.

    The main benefit of this arrangement is that you have flexibility in where your rewards points go. Just send them to your Qantas account when it suits you, rather than wait for a monthly transfer. Sometimes, there are bonuses for transferring too.

    This option isn’t as common for Qantas Frequent Flyer. Only selected cards such as American Express Platinum Cards enrolled in the ‘Ascent Premium’ Membership Rewards program and Westpac Altitude Business cards can transfer to Qantas.

What to look for when searching for the best Qantas frequent flyer credit card?

  • Bonus points offer: Qantas rewards cards often have large bonus points offers to entice new customers in. It is not uncommon to see signup bonuses of 100,000 Qantas Points or more!

    Just be mindful not to let the offers distract you from doing your homework. Check annual fees and spending criteria before applying.
  • Earn rates: Another important consideration – how many Qantas Points can you earn on an ongoing basis? As of December 2024, one of the highest earn rates is up to 2.25 Qantas Points per dollar, uncapped, through the Qantas American Express Ultimate card.

    Most non-Amex cards will earn 0.5 to 1 point per dollar, depending on the card type. Some cards will have caps on the number of points earned per month, which is something to keep in mind if you have got a few large purchases coming up.
  • Bonus travel inclusions: Higher-end Qantas credit cards will throw in extras to enhance your travel experience – one of the best being 2x First Lounge passes with the Qantas Money Titanium Card.

    Consider if these will be of any use to you. For example, if you have no plans of flying internationally out of Sydney, Melbourne or Los Angeles, then the 2x First Lounge passes won’t be of any use to you, as you can’t transfer them to others either. Other top-tier cards generally offer Qantas Club passes instead.
An example of using the Qantas Titanium Lounge benefit for the Melbourne First International Lounge before a flight to Singapore.
  • Included insurances: Platinum-grade Qantas Frequent Flyer credit cards tend to include some form of complimentary insurances. Most common is travel insurance, which is activated when you purchase flights or accommodation with the card.

    Be sure to read the Product Disclosure Statements (PDS) very carefully, as these free insurances often have lots of clauses that can catch you out. For example, the insurance that comes with the Qantas Money Premier Platinum Card requires you to purchase everyone’s airfares, which must depart from & return to Australia, on the card.

    Other cards might go above-and-beyond and include price-drop protection, extra extended warranties on products, or even smartphone screen damage cover.

What to be mindful of with Qantas frequent flyer credit cards

You should consider the following when deciding which Qantas Frequent Flyer rewards card is best for you.

Example of fees, interest rates and conditions you should check before applying.
  • Annual fee: Generally, the more the inclusions with your rewards credit card, the higher the annual fee. You need to decide whether paying $1,200 a year is worth it for the Qantas Premier Titanium Card, for example, if you’re in the market for a premium card.

    Unless there is a special ‘no annual fee’ promotion, expect most Qantas-earning credit cards to have an annual fee to cover some of the costs of your benefits.
  • Interest rate: All rewards cards have high-interest rates – they simply are not designed for carrying a balance over month-to-month. If you have issues with credit card debt, a Qantas Points rewards card may not be the best option right now, as the fees and interest incurred will outweigh any Qantas Points earned.
  • Interest-free days: Most credit cards will allow between 44-55 days interest-free for your purchases, which is standard. This gives you a little breathing space to pay off your purchases next month.
  • Income requirements: Platinum-level Qantas credit cards will usually require a higher minimum income requirement to be eligible for the card. You will usually have to back up your reported income with recent electronic payslips or bank statements.

    If you live with a partner, your combined household income might be taken into account as well. Check the terms and conditions carefully before applying.

What do I need to know before I apply for a Qantas credit card?

Here is a quick checklist of what you should know before applying for a Qantas credit card:

  • Am I eligible for the bonus points? Most cards will exclude you from bonus points if you have held their credit cards in the last 12-18 months. This will be in the terms and conditions.

    For example, the Qantas Premier Platinum card only offers the signup bonus to ‘new approved Qantas Premier Platinum credit cardholders’, and excludes those changing over from different Qantas Premier cards or who have held a Qantas Premier range card in the previous 12 months.
  • Can I easily fulfil the criteria for bonus points? Most bonus point offers will require you to meet a minimum spend requirement. For example, the current Qantas Premier Platinum offer have required you to spend $1,500 a month, for 6 months.

    If this is difficult for you to achieve with normal household spend or paying some bills early up-front, then this might not be the right credit card for you. 
  • Is my credit score healthy? The chances of having your application accepted are much better if you have a good credit history.

How can I earn Qantas Points after I get my credit card?

Once you get your Qantas credit card, be sure to meet the minimum spend requirements to unlock your sign-up bonus. Once that is safely locked away, there are a few strategies to ensure you keep on earning lots of Qantas Points.

  • Put your everyday purchases on the card: from flights to groceries, fuel to concert tickets, you can maximise your points earned by putting most of your normal household expenses on the credit card and paying it off in full every month.
  • Take advantage of transfer promos: If you have an indirect earn Qantas credit card, consider transferring your rewards points over to Qantas when there is a transfer bonus of 15 to 40%. This could give you a large number of points, just for transferring at the right time!

Frequently asked questions

The following answers are general advice and do not take into account your personal circumstances. Be sure to consider all aspects of a Qantas credit card before applying.

What credit card gives the most Qantas Frequent Flyer Points?

Generally, the Qantas American Express Ultimate will give you the highest daily earn rate, at 1.25 Qantas Points per dollar spend. Many other cards also have high sign-up bonuses. See our dedicated page on the current Qantas offers.


What is the best frequent flyer credit card in Australia?

The best frequent flyer card depends on everyone’s individual circumstances. This guide will help you understand all aspects of a Qantas-branded credit card so you can make the best choice for yourself.


What credit cards can earn Qantas Points?

As of December 2024, these banks and companies issue credit cards that can earn Qantas Points on spend: Qantas Money (NAB), Commonwealth Bank, American Express, ANZ, NAB, Westpac, Bankwest, HSBC, Macquarie, Citi, Woolworths, St.George, BankSA, Bank of Melbourne, Diners Club, Jetstar and Qudos Bank.


Are Qantas Frequent Flyer credit cards worth it?

Qantas Frequent Flyer credit cards can be worth it if you are able to use the points earned on premium redemptions with Qantas or other partner airlines. Be sure to assess your personal financial circumstances before applying. 

Best Credit Card for Qantas Frequent Flyer Points – March 2025 was last modified: March 20th, 2025 by Daniel Sciberras