Qantas Frequent Flyer remains Australia’s most popular loyalty program, and a well-chosen credit card is still one of the easiest ways to earn meaningful Qantas Points on your everyday spend.
With new card offers, varied earn structures and changes to welcome bonuses over the past year, it’s worth reassessing which cards deliver the best value today.
In this guide, we break down the key questions you should ask yourself – from how you spend and whether you value lounge access, to annual fees and bonus point thresholds – before choosing a Qantas-earning credit card that helps you maximise your points earning potential.
Best Qantas Frequent Flyer credit card sign-up bonus point offers this month
| Credit Card | Qantas Bonus Points | Earn Rate | Annual Fee | Card Guide |
|---|---|---|---|---|
![]() American Express Platinum Business ↓ | 175,000 Points (equivalent) | 1.125 points on all eligible spend, and 0.5 point on spend at government bodies | $1,750 | Read the guide |
![]() American Express Qantas Business Rewards ↓ | 170,000 Points | 2 Qantas Points per $1 spent on Qantas, 1.25 on everyday business, and 0.5 on Gov. spend | $450 | Read the guide |
![]() Qantas Money Titanium ↓ | 150,000 Points | 1.25 Qantas Points on general spend, 3.25 points with Qantas, 2 points on overseas spend | $1,200 | Read the guide |
Westpac Altitude Qantas Black ↓ | Up to 150,000 Points | 0.8 points on everyday spend, 0.5 points on all other eligible spend. 1.2 points on overseas spend | $370 | Read the guide |
St.George Amplify Qantas Signature ↓ | Up to 150,000 Qantas Points | 0.8 points on everyday spend, 0.5 points on all other eligible spend. 1.2 points on overseas spend | $370 | Read the guide |
ANZ Qantas Business Rewards ↓ | Up to 150,000 Points | 0.75 points on general spend*. 1.75 point per dollar with Qantas. 0.5 points per $1 on Gov. spend | $300 p.a. ongoing plus $75 Rewards fee | Apply NowRead the guide |
![]() NAB Qantas Rewards Signature ↓ | Up to 130,000 Qantas Points | 1 Qantas Point earned per $1 spent up to $5,000, then 0.5 points per $1 thereafter, capped at $20,000 per statement period, plus 1 additional Qantas Points earned per $1 spent on selected Qantas products and services | $420 | Read the guide |
![]() NAB Qantas Rewards Premium ↓ | 100,000 Points | 1 Qantas Point earned per $1.50 spent up to $3000, then 0.5 points per $1 thereafter, capped at $6,000 per statement period | $295 | Read the guide |
![]() Westpac Altitude Qantas Platinum ↓ | Up to 100,000 Points | 0.5 points on everyday spend, 0.75 points on overseas spend, 0.35 points on all other eligible spend. | $250 | Read the guide |
![]() St.George Amplify Qantas Platinum ↓ | Up to 100,000 Qantas Points | 0.5 points on everyday spend, 0.75 points on overseas spend, 0.35 points on all other eligible spend. | $250 | Read the guide |
![]() Qantas American Express Ultimate ↓ | Up to 100,000 Points | 1.25 Qantas Point per $1. 2.25 Points on Qantas products. 0.5 Qantas Points on Gov. spend | $450 | Read the guide |
![]() Qantas Money Platinum ↓ | Up to 100,000 Points | 1 point on general spend up, 1.50 points on overseas spend. 1 point per $1 with Qantas | $349 for the first year and $399 p.a. ongoing | Read the guide |
![]() American Express Platinum ↓ | 100,000 Points (equivalent) | 1.125 points on eligible spend, 0.5 point on spend at Gov. spend | $1450 | Read the guide |
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” is derived from the highest bonus points offered.
What are the best credit cards for Qantas Frequent Flyer Points?
Here’s a roundup of some Qantas Points-earning cards with bonus offers to know about this month.
American Express® Platinum Business Card
- Sign-up Bonus:
- 350,000 Bonus Membership Rewards 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:
- $1,750 p.a
- Offer expires
- 14 July 2026
- Earn 350,000 Bonus Membership Rewards Points* when you apply by 14 July 2026, 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
- 16 June 2026
- Earn 170,000 bonus Qantas Points when you apply, are approved and spend $6,000 on eligible purchases in the first 3 months. T&Cs apply. New American Express Card Members only. Ends 16 June 2026. Earn up to 2 Qantas Points per $1 on eligible business purchases, plus access to two domestic Qantas Club Complimentary Lounge Invitations each year and complimentary international travel insurance. The annual fee is $450.
Qantas Money Titanium
- 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.
- 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.
Westpac Altitude Qantas Black
- Sign-up Bonus:
- Up to 150,000 bonus Qantas Points
- Rewards Earn Rate:
- Earn 1.2 Qantas Points per $1 on international transactions, 0.8 Qantas Points per $1 on everyday spend, and 0.5 Qantas Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Qantas Points per $1 thereafter
- Annual Fee:
- $295 p.a. plus $75 annual Rewards fee
- Westpac is offering up to 150,000 bonus Qantas Points for new cardholders of the Westpac Altitude Qantas Black. This card earns up to 1.2 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club Complimentary Lounge Invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $75 rewards fee.
St.George Amplify Qantas Signature
- Sign-up Bonus:
- Up to 150,000 Qantas Points
- Rewards Earn Rate:
- 1.2 Qantas Points per $1 on international spend, 0.8 Qantas Points per $1 on everyday spend, and 0.5 Qantas Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Points per $1 thereafter, uncapped
- Annual Fee:
- $295 p.a. ongoing + $75 Annual Qantas Rewards Program fee
- St.George is offering up to 150,000 bonus Qantas Points with the Amplify Qantas Signature. Includes two complimentary airport lounge passes per year, and comes with a $295 annual card fee + $75 annual Qantas Rewards Program fee.
ANZ Qantas Business Rewards
- Sign-up Bonus:
- Earn up to 150,000 bonus Qantas Points¹
- Rewards Earn Rate:
- Earn 0.75 Qantas Points per $1 on eligible purchases up to and including $15,000 per statement period (0.5 Qantas Points thereafter), and 1 additional Qantas Point per dollar spent on selected Qantas products and services.⁴. Earn 0.5 uncapped Qantas Points per $1 on Government Payments.⁴
- Annual Fee:
- $300 p.a. plus $75 Rewards fee (per card per year)
- ANZ is offering new cardholders of the ANZ Qantas Business Rewards card the opportunity to earn bonus Qantas Points.¹ The card includes complimentary domestic and international travel insurance (eligibility, T&Cs, exclusions and limits apply)³ and earns uncapped Qantas Points on eligible spend⁴. T&Cs, eligibility criteria, fees and charges apply.
NAB Qantas Rewards Signature
- Sign-up Bonus:
- Up to 130,000 bonus Qantas Points + $250 cashback
- Rewards Earn Rate:
- 1 Qantas Point earned per $1 spent up to $5,000, then 0.5 points per $1 thereafter, capped at $20,000 per statement period, plus 1 additional Qantas Points earned per $1 spent on selected Qantas products and services²
- Annual Fee:
- $420 p.a.
- NAB is offering up to 130,000 bonus Qantas Points for new cardholders of the NAB Qantas Rewards Signature Card¹. The card includes complimentary insurances, such as International Travel Insurance, Purchase Protection and Extended Warranty Insurance³, and earns 1 Qantas Point per $1 spent on the first $5,000 per statement period, then 0.5 Qantas Points per $1 on spend up to $20,000.
NAB Qantas Rewards Premium
- Sign-up Bonus:
- Up to 100,000 bonus Qantas Points + $150 cashback
- Rewards Earn Rate:
- 1 point per $1.50 spend up to at $3,000 per statement period then 1 point per $3 from $3,001 to $6,000 statement period
- Annual Fee:
- $295 p.a. ongoing
- NAB is offering up to 100,000 bonus Qantas Points and $150 cashback¹ for new cardholders of the NAB Qantas Rewards Premium Card. It comes with complimentary insurances, such as International Travel Insurance, Purchase Protection and Extended Warranty Insurance³, and earns 1 Qantas Point per $1.50 spent up to $3,000 per statement period, and 1 Qantas Point per $3 thereafter, up to $6,000.
Westpac Altitude Qantas Platinum
- Sign-up Bonus:
- Up to 100,000 bonus Qantas Points
- Rewards Earn Rate:
- Earn 0.75 Qantas Points per $1 on international transactions, 0.5 Qantas Points per $1 on everyday spend, and 0.35 Qantas Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.20 Qantas Points per $1 thereafter.
- Annual Fee:
- $175 p.a. plus $75 annual Qantas Rewards fee
- The Westpac Altitude Qantas Platinum Credit Card has up to 100,000 Qantas Points on offer for new cardholders. The card includes complimentary insurances, and earn decent Qantas Points on spend.
St.George Amplify Qantas Platinum
- Sign-up Bonus:
- Up to 100,000 Qantas Points
- Rewards Earn Rate:
- 0.75 Qantas Points per $1 on international spend, 0.5 Qantas Points per $1 on everyday spend, and 0.35 Qantas Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.2 Points per $1 thereafter, uncapped
- Annual Fee:
- $175 annual card fee + a $75 Annual Qantas Rewards Program fee
- The St.George Amplify Qantas Platinum Credit Card has up to 100,000 bonus Qantas Points on offer for new cardholders. Includes a range of complimentary insurances with a $175 annual fee + a $75 Annual Qantas Rewards Program fee.
Qantas Money Platinum
- Sign-up Bonus:
- Up to 100,000 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, $399 p.a.
- Earn 60,000 Qantas Points when you spend $5,000 in the first 90 days, plus 40,000 bonus Qantas Points if you haven’t earned Qantas Points with a credit card in the last 24 months. Enjoy two Qantas Club lounge passes annually, complimentary international travel insurance, and 0% p.a. on balance transfers for 12 months (3% fee applies). The annual fee is $349 in the first year, then $399 ongoing. Earn 1 Qantas Point per $1 spent and 1.5 Qantas Points per AU$1 spent overseas.
Qantas American Express Ultimate
- Sign-up Bonus:
- Up to 100,000 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
- 5 May 2026
- Earn 70,000 bonus Qantas Points when you spend $5,000 in the first 3 months, plus an additional 30,000 Qantas Points when you spend a minimum of $1 on your Card within 90 days of paying your second year annual Card Fee¹. (Offer ends 5 May 2026. New Amex Card Members only. T&Cs apply.) This card includes an annual $450 Qantas Travel Credit, two Qantas Club Complimentary Lounge Invitations after eligible Qantas spend each year, complimentary international travel insurance, and Qantas Wine Premium Membership (valued at $99). Earn 1.25 Qantas Points per $1 on everyday spend, 2.25 on Qantas purchases, and 0.5 on government payments. The annual fee is $450.
American Express Platinum Card
- Sign-up Bonus:
- 200,000 bonus Membership Rewards Points¹
- 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
- 25 August 2026
- Enjoy 200,000 bonus Membership Rewards Points¹ when you spend $5,000 on eligible purchases in the first 3 months. (Offer available to new American Express Card Members only. Offer ends 25 August 2026. T&Cs apply.) Unlock premium perks including unlimited airport lounge access, international travel insurance, Amex Hotels and Resorts benefits, up to $400 in Global Dining Credit¹⁰, and a $450 Travel Credit⁵ each year. Earn up to 2.25 Membership Rewards Points per $1 on eligible spend. The annual fee is $1,450.
What are the best ways to earn Qantas Points with a credit card?
There are two main ways to earn Qantas Points with a credit card.
- Direct earn: These are Qantas Frequent Flyer–branded credit cards that earn a fixed number of Qantas Points per dollar spent. Points are automatically transferred to your Qantas Frequent Flyer account each month.
Banks currently offering cards that earn Qantas Points directly include Qantas Money, American Express, HSBC, ANZ, NAB, Westpac, St.George, CommBank, Bank SA, Bank of Melbourne, MyCard and Bankwest. - Transfer from other rewards programs: This option is less 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 – allow you to transfer points to Qantas.
These cards earn their own flexible rewards currencies first, which you can later convert to Qantas Points or other airline partners. The key advantage here is flexibility.
You control when (and where) you transfer your points, and you can also take advantage of occasional transfer bonuses.

What to look for when searching for the best Qantas frequent flyer credit cards?
- Bonus points offer: Qantas credit cards often come with generous sign-up bonuses, with 60,000 to 100,000 Qantas Points or more commonly seen. That said, don’t let a big headline number be the only deciding factor. Always check the annual fee, minimum spend requirement and eligibility criteria before applying.
- Earn rates: How many points you earn per dollar on an ongoing basis matters just as much as the sign-up bonus. As of January 2026, one of the highest day-to-day earn rates is 1.25 Qantas Points per dollar, uncapped, through the Qantas American Express Ultimate card.
Most Visa and Mastercard Qantas cards earn between 0.5 and 1 point per dollar. Many also apply monthly caps, which can limit how many points you earn if you have large expenses coming up.

- Bonus travel inclusions: Higher-end cards often include additional perks designed to enhance your travel experience. One example is the Qantas Money Titanium Card, which offers two Qantas First Lounge invitations each year. Other premium cards may offer standard Qantas Club passes, travel credits, or elite-style perks instead. The key is to consider whether you would realistically use these benefits.
- Included insurances: Many higher-tier Qantas cards include complimentary insurances, most commonly travel insurance when you pay for flights or accommodation using the card. However, these policies often come with strict conditions.
What to be mindful of with Qantas frequent flyer credit cards
It’s important to know that the points you earn from credit cards are not truly free. There’s a cost somewhere, and that’s usually the annual fee.
- Annual fee: Generally, the more benefits a card includes, the higher the annual fee. Premium cards can cost $200 to $1,200 per year. You need to decide whether those fees make sense for your situation. If you rarely travel or don’t use the included perks, a lower-fee card may offer better value.
- Interest rate: Rewards credit cards usually come with high interest rates and are best suited to people who pay their balance in full each month. Doing so avoids interest and late fee charges. If you tend to carry a balance, the interest charges can quickly outweigh the value of any points earned.

- Interest-free days: Most credit cards offer around 44 to 55 interest-free days on purchases, which is standard across the industry. This provides some flexibility, as long as the balance is paid off by the due date.
- Income requirements: Higher-tier cards often require a minimum income. Banks may ask for payslips or other proof of income, and in some cases, they may consider combined household income. Check the eligibility criteria before applying to avoid unnecessary rejections on your credit file. Banks tend to favour regular income over savings, so retirees may find it difficult to apply for a credit card.
What do I need to know before I apply for a Qantas credit card?
Here’s a quick checklist of what you should know before applying for a Qantas credit card:
- Am I eligible for the bonus points? Many bonus points offers exclude applicants who have held a card with the same bank in the past 12 to 24 months.
- Can I realistically meet the minimum spend? Most bonus offers require you to spend a certain amount within a set timeframe, such as $3,000 in 3 months or $1,500 per month for 6 months. If that level of spend doesn’t fit naturally with your budget, it may be better to choose a smaller bonus with more achievable criteria.
- Is my credit history in good shape? Applicants with a strong credit history generally have a much higher chance of approval. If your credit file shows missed payments or multiple recent applications, it may be worth addressing that first. If you’ve been declined, it’s best to wait a few months before making any further applications.

How can I earn Qantas Points after I get my credit card?
Once you get your Qantas credit card, you’ll usually need to meet the minimum spend requirements to unlock the applicable sign-up bonus. Once that bonus is secured, there are a few strategies to keep the points flowing in.
- Use the card for everyday spending: groceries, fuel, subscriptions, bills, flights and online shopping can all contribute to your points balance – as long as you pay the card off in full each month.
- Look for bonus earn partners: Qantas partners with many retailers and services through platforms such as Qantas Shopping and other promotions, allowing you to stack extra points on top of your credit card earn.
- Watch for transfer bonuses: If you hold a card that earns flexible points (such as Membership Rewards), transferring to Qantas during a bonus promotion can significantly boost the value of your points.

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.
Generally speaking, the Qantas American Express Ultimate has the highest day-to-day earn rate at 1.25 Qantas Points per dollar spent on most transactions. Many other cards also have high sign-up bonuses.
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 many 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 January 2026, 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, St.George, BankSA, Bank of Melbourne, MyCard and Qudos Bank.
Are Qantas Frequent Flyer credit cards worth it?
Qantas Frequent Flyer credit cards can be worth it if you can use the points you earn for premium redemptions with Qantas or other partner airlines. Be sure to assess your personal financial circumstances before applying.
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no mention of Commbank Ultimate Awards Card? 70,000 points with no annual fee*
downside is – To be eligible for the 100,000 CommBank Awards points on a new Ultimate Awards card, you need to spend at least $6,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation.
Hi Points Hack,
Do you have a page where new Qantas credit cards are mentioned as soon as they are released? Which isn’t very often as they have really gone downhill since 2020.
Thanks
How many credit cards can I apply for in a year? Even with a 100k sign up bonuses, you don’t have enough to fly business return for example to Europe.
Thanks
Would there be any issue with getting a card and grabbing the free points and/or air miles and then cancelling before the 12 months is up so not to pay the renewal? Anything in the small print to state you have to renew it or pay back the points/air miles?
Hi Jeff, once you’ve earned the points and they’ve landed in your frequent flyer account, you won’t lose them if you then close your card account before the 12 months are up.
I have just accepted an offer from Amex to upgrade my free Amex back to the Qantas Ultimate (that I have previously held but downgraded whilst living outside of Australia) for 60k bonus points with 3k spend in 3 months.
I am able to keep spending on the old card until the new one arrives (very convenient). I have some major purchases to make this week: will they count towards my 3k in 3 months even if made on the old card?
Hi Andy, this is quite a unique situation so you’ll need to check with Amex. To be on the safe side, I would only count transactions made on the Amex Ultimate card from the date you activate it.
What about the St. George Amplify Qantas Signature (90k points + other benefits at $279/pa).
For me this makes more sense as it includes a free additional cardholder that I need.
With periodic card renewals between my husband and I, we like to pick up the best deals in year. Currently we renew most in January but was wondering whether there is a trend on the max points offered over the year. For example, if May is the optimal renewal month for certain cards based on prior year bonus points, would be good to plan accordingly. Any intel on this? Thanks
The annual fee listed on the table for the Qantas ANZ Frequent Flyer Black card appears to be wrong. On the link and Qantas’ website the annual fee is listed as $425, not $0 as listed above on the comparison chart…Am I missing some cool loophole?
Thanks Jordan, this has been fixed.
Evin, one hidden downside of QF Premier credit card is that if you organise a direct debit to pay off in full each month, QF will attempt to take the full amount owing even if you have paid off in full eg to make room in your available balance. If this payment is dishonoured even if you have paid off in full QF will slug to a $15 dishonour fee. The bank the direct debit comes from may also charge yiu a fee.
Hhhmmmmm. Good piece Evin, but after tonight’s booking debacle, heck, why bother, really?
This isn’t the first such desertion of its FFrs by Qantas, is it? Points only useful if usable….when you want to. Guess I’m not the only one in Oz tonight, totally helpless in the face of “Qantas.com is not responding'” on their booking site, & without a voice (laryngitis!) to even TRY ringing in. My first ever first class booking (that lovely Emirates taste, Syd-Christchurch) has been stuck at the very last stage for 62 mins now, that was starting some 2.5 hours before, presumably, the deadline, not just ten minutes. Trying to sneak in via another browser was way worse: couldn’t even get the destination in. Spent all arvie on getting ducks in row for this, impossible before today, as for others I’m sure. Where are you when we need you Qantas?! Hi there, again, Velocity!