The best credit cards for online shopping in Australia earn Qantas Points, Velocity Points, or flexible rewards on every online purchase. From your weekly grocery delivery to international websites and subscription services, every dollar counts. After all, it’s one of the most consistent points-earning channels available to Australian points collectors.
According to Australia Post’s 2026 eCommerce Report, Australians spent $82.6 billion online in 2025, up 14% year on year, with 24% of all retail spend now made online. At that scale, the card you use for online purchases should be a major consideration in your points accumulation strategy.
Compare all current card options at the Point Hacks credit card guide.
Why online shopping is one of the best opportunities to accelerate your points earn
Most frequent flyers focus on how many points they earn per dollar at the grocery store or petrol station. While some savvy shoppers can make the most of ‘earn stacking’ through some retail partners, this opportunity is far easier to take advantage of with online shopping.
Earn stacking means earning points from two or more sources on a single purchase. When you buy through the Qantas Shopping online mall or the Velocity e-Store, and also pay with a points-earning credit card, you earn from both channels simultaneously. The card earns its standard rate. The shopping portal adds bonus points on top of that.
For an electronics purchase of $1,000, that combination can earn several thousand points, whereas a standard card transaction would earn only a few hundred. In some circumstances, you could also ‘triple stack’ with another participating offer, such as bonus points on a gift card for that retailer. We’ve got an example of that at the end of the guide.
But no matter what path you choose, the credit card is the foundation of the stack. It earns on every transaction regardless of where you shop. Selecting the right card for your online spending is the first step.
What to look for in a credit card for online purchases
Not all cards earn the same rate online as they do in-store. Some cards offer different earn rates on domestic online purchases, international online purchases, and in-store purchases.
A card that earns 0.5 Qantas Points per $1 on general spend might earn 1 Qantas Point per $1 on online transactions, because the online spend is categorised differently.
Check three things before you designate a card for online shopping.
- The earn rate on domestic and international online purchases vs. in-store purchases.
- Whether international online purchases from major retailers earn at the overseas spend rate or the standard domestic rate.
- Whether the card accepts the payment methods used by your most frequent online retailers.
Security features are also relevant for online shopping. Virtual card numbers, the ability to lock and unlock the card via an app, and strong fraud monitoring are all useful when the physical card never leaves your wallet.
Top credit cards for earning Qantas Points on online shopping
For shopping in Australia, the MyCard Premier Credit Card is the only one that offers a higher Qantas Points earn rate on online transactions. You earn 0.5 Qantas Points per $1 for general spend, but 1 Qantas Point per $1 for online spend. Domestic online spend does not incur any extra transaction fees.
A good way to maximise this perk is to buy grocery store vouchers online (e.g. from Qantas Marketplace, where you earn points per dollar). Those purchases will earn credit card points at the online rate.
MyCard Premier Qantas Credit Card
- Bonus points
- Up to 100,000 bonus Qantas Points
- Annual fee
- $350 p.a. ongoing
- Earn
- 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
MyCard Premier Qantas Credit Card
- Bonus Points
- Up to 100,000 bonus Qantas Points
- Annual Fee
- $350 p.a. ongoing
- Earn
- 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
Earn up to 100,000 Qantas Points with MyCard Premier Qantas Credit Card.¹ Receive 70,000 Qantas Points when you spend $6,000 in the first 90 days of card approval and 30,000 Qantas Points on your first anniversary. Get 0% p.a. for 12 months on balance transfers. Balance transfer must be applied for during card application; a 3% BT fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.⁷
Several Qantas co-branded cards earn at an accelerated rate on international purchases, which includes many online retailers based overseas. However, international transaction fees may apply, which would impact the value of the points you earn.
The Qantas Money Platinum and Qantas Money Titanium Cards both earn higher Qantas Points rates on international transactions, which includes most international online retailers.
Qantas Money Platinum
- Bonus points
- Up to 120,000 bonus Qantas Points*
- Annual fee
- $349 for the first year, $399 p.a.
- Earn
- 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
Qantas Money Platinum
- Bonus Points
- Up to 120,000 bonus Qantas Points*
- Annual Fee
- $349 for the first year, $399 p.a.
- Earn
- 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
Earn 80,000 bonus Qantas Points with the Qantas Money Platinum Credit Card when you spend $5,000 in the first 90 days from card approval, plus 40,000 bonus Qantas Points if you haven’t earned Qantas Points with a credit card in the last 24 months. Earn 1 Qantas Point per $1 spent and 1.5 Qantas Points per AU$1 spent overseas.
Qantas Money Titanium
- Bonus points
- 150,000 bonus Qantas Points
- Annual fee
- $1200 p.a.
- Earn
- 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)
Qantas Money Titanium
- Bonus Points
- 150,000 bonus Qantas Points
- Annual Fee
- $1200 p.a.
- Earn
- 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)
Earn 150,000 Qantas Points when you spend $5,000 on eligible purchases in the first 90 days. Get two Qantas First Lounge passes per year, 20% more Status Credits, and 10% off selected Qantas domestic and international flights for two people, twice annually. Earn up to 2 Qantas Points per $1 on eligible spend (up to $12,500 per statement period), then 0.5 thereafter. Includes 0% p.a. on balance transfers for 6 months. Annual fee is $1,200.
To accelerate Qantas Points on Australian online merchants, the Qantas Shopping Mall is a handy tool. It offers bonus points at hundreds of retailers independently of which card you use. Pairing it with a Qantas-earning card can effectively double your earn rate (or more).
The Point Hacks guide to earning Qantas Points covers the Qantas Shopping Mall and other bonus earn channels in detail.
Top credit cards for earning Velocity Points on online shopping
For Velocity Points, the structure is similar. Cards with accelerated earn on overseas or online transactions capture more value from international website purchases.
The MyCard Premier Credit Card is one to consider specifically for online shoppers. It earns 1 Velocity Point (via converting MyCard Rewards Points) per $1 on eligible online and overseas transactions. Domestic in-store spend continues to earn just 0.5 points per dollar.
MyCard Premier Credit Card (Velocity)
- Bonus points
- 110,000 bonus Velocity Frequent Flyer Points⁹
- Annual fee
- $300 p.a.
- Earn
- 2 MyCard reward Points per $1 spent on Eligible Transactions online or overseas and 1 MyCard reward Point per $1 spent on Eligible Transactions everywhere else, capped at 200,000 MyCard reward Points over a 12-month period
MyCard Premier Credit Card (Velocity)
- Bonus Points
- 110,000 bonus Velocity Frequent Flyer Points⁹
- Annual Fee
- $300 p.a.
- Earn
- 2 MyCard reward Points per $1 spent on Eligible Transactions online or overseas and 1 MyCard reward Point per $1 spent on Eligible Transactions everywhere else, capped at 200,000 MyCard reward Points over a 12-month period
Earn 110,000 bonus Velocity Points via Autoredemption (converted from 220K MyCard Reward Points) with a MyCard Premier Credit Card when you spend $8,000 on eligible purchases within 90 days from approval.⁹ Automatically transfer myCard Reward Points to Velocity Frequent Flyer Points each month with Autoredemption. Get 0% p.a. for 12 months on balance transfers, a 3% BT fee applies. Balance transfer must be applied for during card application and Balance Transfer rate reverts to Cash Advance rate after the promotional period.¹⁰
The Velocity e-Store functions like the Qantas Shopping Mall for Velocity earners. It offers bonus Velocity Points at participating online retailers, stackable with your card’s base earn rate. The combination of a Velocity-earning card and the e-Store at an eligible merchant is an effective points multiplier.
For the full range of Velocity-earning cards and their current earn rates, the Point Hacks Velocity credit card guide is updated regularly.
How to stack your credit card earn with Qantas Shopping and Everyday Rewards portals
Stacking is the most underused tool in a frequent flyer’s points strategy. Here is how it works in practice, on a purchase of a new Apple device priced at $2,000.
- Buy Apple gift cards with a 20x points bonus at Woolworths or Coles. That’s 20,000 Qantas or Velocity Points once converted.
- Pay for the gift cards with your points-earning credit card. Using the Amex Qantas Ultimate as an example (1.25 pts per dollar), that’s 2,500 Qantas Points for the purchase.
- Load the gift cards onto your Apple account to convert them into account credit, then click through Qantas Shopping or the Velocity e-Store to make the purchase. Assuming a triple points promotion (3 points per dollar), that’s another 6,000 bonus Qantas points. Be sure to check the ‘Exclusions’ tab as recent-model devices may be excluded from this bonus for some time.
- In this example, your Apple purchase could net up to 28,500 bonus Qantas Points, at no extra cost compared to buying it in cash.
That’s the stacking opportunity most comparison guides don’t cover, because it requires knowing the frequent flyer ecosystem and not just the card market.
Cards with enhanced earn rates for specific online categories
Some cards earn at enhanced rates for specific spending categories, including online marketplaces or specific retailers.
The American Express Business Gold Plus Card earns 3 Membership Rewards Points per $1 spent with Xero, Google Ads, Meta, and Amazon Web Services, which is relevant to business owners with significant spend in those categories. Membership Rewards points from this card transfer to Velocity and other selected international partners.
The NAB Rewards Signature Card earns an enhanced rate on purchases made through Webjet online, which is useful for frequent domestic travellers who book flights and accommodation through that platform.
NAB Rewards Signature
- Bonus points
- Up to 110,000 bonus NAB Rewards Points
- Annual fee
- $35 monthly fee, which is reversed when you spend $5,000 or more in a statement period.
- Earn
- Earn 1.5 NAB Rewards Points per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter
NAB Rewards Signature
- Bonus Points
- Up to 110,000 bonus NAB Rewards Points
- Annual Fee
- $35 monthly fee, which is reversed when you spend $5,000 or more in a statement period.
- Earn
- Earn 1.5 NAB Rewards Points per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter
The NAB Rewards Signature Card is offering up to 110,000 bonus NAB Rewards Points¹ for new cardholders. It’s the highest points-earning card in the NAB Rewards range², with no international transaction fees on eligible purchases. The card also includes a Delayed Flight Lounge Pass, giving you complimentary access to an airport lounge at selected locations if your domestic or international flight is delayed by 60 minutes or more⁴.
Earn rate structures in this category change regularly as card issuers update their terms, so confirm any specific category earn rate directly with the card issuer before applying.
Online shopping security features worth knowing about
A card used primarily for online shopping benefits should have some key security features that you might not normally use for in-store purchases.
Virtual card numbers let you generate a one-use card number for online purchases, so your real card number is never exposed to the merchant. Some card issuers offer this through their apps. Occasionally, you can have the same card number, but with a rotating CVV.
Instant transaction notifications let you spot an unauthorised online transaction within seconds. Combine this with the ability to freeze the card in the app, and you have a quick way to protect your account from further unauthorised use. It’s also handy if you can’t find your card and need to look for it.
Zero liability on fraudulent transactions is standard across Visa, Mastercard, and American Express, but the speed with which disputed transactions are resolved varies by issuer. American Express has historically been noted for faster dispute resolution, which matters when a large online purchase is in question.
Frequently asked questions
This article is general in nature and does not constitute personal financial advice. Consider your own financial situation before applying for any credit product. Point Hacks may receive a commission from card issuers for applications made through this site.
