Point Hacks Credit Card Guide

The highest Qantas Points-earning credit cards

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 thought we’d round up some of the highest Qantas Point earning cards on the market, with options earning at least 1 Qantas point per $ 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.

Qantas also launched their own MasterCard in June.

Redemptions on A330 Business Class flights is one of the best uses of Qantas Points

Earn rate changes

Note that 2017 is proving to be a game changer in the Australian credit card market, with a number of changes from the Reserve Bank continuing to make themselves felt to consumers and business alike. We are now seeing changes in a wide range of cards especially with regards to card benefits, points earn rates and transfer rates. All figures in the tables below are updated with details from the latest announcements and we will do our best to keep this guide up-to-date.

Both ANZ and Citi were the first ones to announce changes to their range of credit cards this year. ANZ severed its ties with American Express but also increased earn rates on Visa cards, albeit implementing a points cap across their lineup, effective 6 August 2017.

Citi’s changes also affect the majority of their points-earning credit cards, with both earn rate and transfer rate to partners being adjusted, effective 15 June 2017.

Westpac, St. George group, NAB and Commonwealth Bank also announced their changes with most of them effective from 1 July 2017 onwards. In addition, Bank Australia also announced changes to their Qantas Platinum Rewards Visa effective 1st October 2017.

You can keep up with all the upcoming changes here.

The highest earning Qantas Point credit cards

Card / Offer LinkAmerican Express
Qantas points earned / $ spent
Visa / MasterCard
Qantas points earned / $ spent
Points CapAnnual Fee ($)Our Guide
American Express Qantas Ultimate1.5 points on general spend including utilities and telecom
2.5 points with Qantas
uncapped450
Westpac Altitude Business Platinum1.5 points0.5 domestic
1 points overseas
uncapped295
Westpac Altitude Black ↓1.25 points
2.25 points with Qantas
0.625 point domestic
1.5 points overseas
uncapped395
American Express Qantas Premium ↓1.25 points on general spend including utilities and telecom
2.25 points with Qantas
uncapped249
American Express Platinum Charge1 point general spend except utilities and ATO
3 points at selected restaurants
2 points on travel & overseas spend
300,000 p.a.1,200
American Express Platinum Business Charge1 point general spend
2 points on selected business and advertising expenses
2 points at most restaurants in Australia
2 points on travel and overseas spend
375,000 p.a.1,500
NAB Qantas Rewards Signature Visa ↓1 point$5,000
0.5 point per $ after cap up to $20,000
395
NAB Qantas Rewards Premium ↓1 point0.5 point$5,000 per month 250
Qantas Premier Mastercard1 point on general spend
1.5 points on overseas spend
2 points on selected Qantas products and services
$10,000 per month299
BoQ Specialist Signature Visa1 point domestic
1.5 points overseas
2 on selected Qantas products and services
400n/a
HSBC Platinum Qantas Visa ↓1 point$2,500 per month199
ANZ Frequent Flyer Black ↓1 point$7,500 per month
0.5 point per $ after cap
425
Macquarie Visa Platinum ↓1 point
0.5 point after cap
$2,500 per month200
Diners Club Frequent Flyer + World MasterCard1 point
2 points on selected Qantas purchases
$60,000
0.75 point per $ after cap
260n/a
Qudos Bank Visa Platinum1 point$2,500 per month and $200,000 per year249
Bank Australia Qantas Platinum Rewards Visa1 point until 31st September, reduced to 0.75 point afterwardsuncapped until 31st September, 20,000 points per month afterwards189
G&C Mutual Bank Qantas Platinum Visa1 point
2 points with Qantas
uncapped249n/a
Jetstar Platinum MasterCard1 point1 point per $ spent up to $2,500 spent per statement period
0.5 Qantas Points per $ spent after, up to 100,000 points p.a.
169
Woolworths Money Qantas Platinum Card1 point2,500 points per month169n/a
Macquarie Visa Black ↓1 point
0.5 point after cap
$4,000 per month299
Citi Prestige Visa0.5 point on general spend
1 point on petrol, supermarkets
and national retailers
1.5 point at major restaurants,
hotel chains and
major airlines
uncapped700+(49)
Citi Signature Visa 0.5 point on general spend
0.75 point on petrol, supermarkets
and national retailers
1 point at major restaurants,
hotel chains and
major airlines
$20,000 per month on regular spend outside of bonus categories444

How to analyse this list

For all the cards and offers listed on this page we are looking at two things – ‘direct earn’ credit cards, where you can only earn Qantas Points with that card – and also ‘effective earn rates’ of cards which allow points in the parent bank / credit card rewards program to be transferred to Qantas Frequent Flyer. The effective earn rate adds a way to compare the specific points earn rates for each card across various credit card rewards programs that offer different headline earn rates and transfer rates to frequent flyer programs, alongside the direct earn cards.

Each card has many other benefits too, along with other transfer partners, annual fees and terms and conditions – so be sure to check out the full guide to each card.

There’s also the signup bonus of a card to consider. A large signup bonus may help to offset a lower earn rate on a card, so bear that in mind. It depends how much spend you put through your credit card each month, and how long you keep the card for.

Each card offer, with bonus, fee and other offer information on this page will be up to date at the date of publication, however please note that we update offers over time.

Transferring to Qantas Points from credit card and other rewards programs

Qantas Frequent Flyer made the strategic decision several years ago to work primarily with their bank partners to offer ‘direct earn cards’ only. This allows them to have more control over their members – most members and cardholders can’t choose to transfer their points to other partners or Qantas – if you want to earn Qantas Points, you pretty much have to have a direct earn card.

There are only a couple of exceptions to this, which we cover in more detail this guide to cards that offer transfers of Qantas Points – and in addition, those cards also get offered transfer bonus promotions which increase the effective earn rates of those cards.

The exceptions are:


Some current offers for Qantas Frequent Flyer earning Credit Cards


Qantas American Express Ultimate - 100,000 Qantas Points

The Qantas American Express Ultimate has a 100,000 bonus Qantas Points on offer. It's one of the highest earning Qantas Point cards and comes with a $450 Qantas travel credit plus a range of premium travel benefits.

  • 100,000 Qantas Points for new applicants
  • Free access to the Sydney Airport American Express lounge twice a year
  • $450 Qantas travel credit each cardholder year (from 31st October)
  • Free access to Qantas lounges twice a year (from 31st October)
  • Complimentary Qantas EpiQure Premium Membership (from 31st October)
  • Travel and purchase protection insurances (PDS)
  • 1.5 Qantas points earned per $ on eligible purchases including utilities and 0.5 points per $ on government spend
  • 0% p.a. on balance transfers for the first 12 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • $450 p.a. annual fee
  • Minimum income requirement of $65,000
  • Spend $1,500 on eligible purchases within 3 months of approval to trigger bonus Qantas points
  • Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • Offer ends: 2 October 2017

Find out more or apply →

I earn a maximum of $200 per applicant for this card. More about this →

The American Express Qantas Ultimate earns 1.5 Qantas point per dollar on general spend, 2.5 points per dollar on Qantas products and services and 0.5 point per $ on government spend.



Westpac Altitude Black Amex & MasterCard - 100,000 Qantas or Altitude Rewards Points

Westpac's Altitude Black card has up to 100,000 bonus Qantas or Altitude points plus $200 off the 1st year annual fee. There are many ongoing card benefits, including Qantas or Priority Pass lounge invites and World Mastercard benefits.

  • 20,000 Qantas Points or Altitude Rewards points on card approval
  • Additional 80,000 Qantas Points or Altitude Rewards points when you spend $5,000 within the first 90 days from card approval
  • $200 off the first year annual fee, making it $195 (usually $395)
  • 1.25 Qantas Points or 2.5 Altitude Points for every $1 spent on the American Express
  • 0.625 Qantas Points or 1.25 Altitude Points for every $1 spent on the MasterCard
  • 2 x Qantas Club or Priority Pass invitations per cardholder year
  • Access to World MasterCard benefits
  • Overseas Travel Insurance, Purchase Protection and other insurances(PDS)
  • $195 annual fee for the first year (usually $395 p.a.)
  • $5,000 minimum spend in 90 days required to earn 80,000 bonus points
  • Bonus points offer not available with switches, upgrades, customers accessing employee benefits or packages.
  • Offer ends: 26th October 2017

Find out more or apply →

Point Hacks earns a range of commissions per applicant for this card. More about this →

The Westpac Altitude Black and Altitude Business Platinum cards earns 1.25 Qantas points per dollar on the American Express and 0.625 Qantas points per $ on the linked MasterCard, while the Altitude Business Platinum will earn 0.5 Qantas point.



Qantas American Express Premium - 30,000 Qantas Points

The Qantas American Express Premium card has 30,000 bonus Qantas Points, offers 1.25 points per $ on eligible purchases and comes with 2 Qantas Club invitations each cardholder year.

  • 30,000 Qantas Points for new applicants after meeting spend requirements
  • Two free Qantas Club lounge invitations each cardholder year after first spend with Qantas
  • Domestic and International travel insurance, plus a range of purchase protection insurances
  • 1.25 Qantas points earned per $ spent on eligible purchases except for utilities and the ATO
  • 2.25 Qantas points on selected Qantas products and services
  • 0% p.a. on balance transfers for the first 12 months, a one-off credit plan establishment fee of 1% applies - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • $249 p.a. annual fee
  • Spend $1,500 on eligible purchases in the first 3 months of card ownership to trigger bonus
  • Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer

Find out more or apply →

Point Hacks earn a maximum of $160 per applicant for this card. More about this →

The American Express Qantas Premium earns 1.25 Qantas point per dollar on general spend, 2.25 points on Qantas products and services and 0.5 point on government spend.



American Express Platinum Charge - 100,000 Membership Rewards points

With a 100,000 Membership Rewards points bonus available on sign up, the American Express Platinum Charge is a great card for those who want to earn Membership Rewards points on everyday spend with lots of additional benefits. Read the Point Hacks guide for the full rundown.

  • 100,000 Membership Rewards points signup bonus
  • $300 travel credit annually
  • Unlimited access to certain airline lounges - including Virgin Australia Domestic, Delta and American Express lounges globally
  • Access to American Express Fine Hotels & Resorts perks & discounts
  • 3 Membership Rewards points earned per $ spent at restaurants, 2 points earned per $ on travel spend, and 1 point per $ everywhere else except for utilities and the ATO
  • $1200 p.a. annual fee
  • Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • Bonus points require $1,500 minimum spend in first 3 months
  • Charge card, not credit card - balance requires payment in full each month but with no pre-set spending limit - more about this
  • Offer ends: 2 October 2017

Find out more or apply →

Point Hacks earn a maximum of $330 per applicant for this card. More about this →

The American Express Platinum Charge earns the equivalent of 1 Qantas point per dollar on general spend, 3 points at selected restaurants and 2 points on travel and overseas spend, uncapped.



American Express Platinum Business Charge - 120,000 Membership Rewards points

With a 120,000 Membership Rewards bonus, the American Express Platinum Business Charge card is aimed at small and medium size businesses who want to maximise their points earn and travel benefits.

  • 120,000 Membership Rewards points on approval
  • 2 Membership Rewards points earned per $ spent at restaurants, airlines, accommodations and business expenses, 1 point per $ everywhere else except for utilities and the ATO
  • A vast range of Small and Medium Enterprise specific benefits, insurances (PDS), rewards and travel options
  • Unlimited access to Virgin Australia and American Express airline lounges globally
  • $1500 p.a. annual fee
  • Spend $5,000 in first two months of ownership to qualify for signup bonus
  • Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • Offer expires: 2nd October 2017

Find out more or apply →

Point Hacks earn a maximum of $330 per applicant for this card. More about this →

The American Express Platinum Business Charge earns the equivalent of 1 Qantas point per dollar on general spend, 2 points on selected business and advertising expenses, 2 points at selected restaurants and 2 points on travel and overseas spend, capped at 375,000 p.a..



NAB Qantas Rewards Signature Visa - 90,000 Qantas Points

NAB are offering 90,000 bonus Qantas Points with the NAB Qantas Rewards Signature Visa, earning 1 Qantas Point per $ spent up to $5,000 per statement period, and 0.5 Qantas Points per $ thereafter, up to $20,000.

  • 90,000 bonus Qantas Points after $4,000 minimum spend within 60 days of account opening
  • 1 Qantas Point earned per $ spent up to $5,000, then 0.5 points per $ thereafter, capped at $20,000 per statement period
  • 2 Qantas Points earned per $ spent on selected Qantas products and services
  • 7 complementary Insurances including overseas travel insurance when you meet eligibility criteria (PDS)
  • $395 p.a. annual fee
  • Offer expires: 12th November 2017
  • $4,000 spend within 60 days of account opening required to trigger bonus points
  • Offer unavailable if closing/transferring from another NAB credit card account

Find out more or apply →

Point Hacks earn a range of commissions for applicants of NAB credit cards. More about this →

NAB Qantas Signature Visa earns 1 Qantas points per dollar up to $5,000 and 0.5 Qantas point per dollar thereafter capped at $20,000 per statement period.



NAB Qantas Rewards Premium American Express & Visa - 25,000 Qantas Points

NAB are offering 25,000 bonus Qantas Points with the NAB Qantas Premium American Express and Visa account, with a 1 Qantas point per $ earn rate on the Amex.

  • 25,000 bonus Qantas Points after $2,500 minimum spend within 60 days of account opening
  • 0% p.a. on balance transfers for 6 months with no BT fee
  • 1 Qantas Points earned per $ spent on the Amex, 0.5 points per $ on the Visa, capped at $5,000 per statement period
  • 7 complementary Insurances including overseas travel (PDS), concierge and other platinum card benefits
  • $250 p.a. annual fee
  • Offer expires: 12 November 2017
  • $2,500 spend within 60 days of account opening required to trigger bonus points
  • Balance Transfer must be applied for during card application
  • Offer unavailable if closing/transferring from another NAB credit card account

Find out more or apply →

Point Hacks earn a range of commissions for applicants of NAB credit cards. More about this →

NAB Qantas Premium earns 1 Qantas points per dollar on the American Express and 0.5 Qantas point per dollar on the Mastercard capped at $5,000 per statement period.



ANZ Frequent Flyer Black credit cards - 75,000 bonus Qantas Points

ANZ are offering 75 bonus Status Credits when you book a return flight with Qantas plus 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months and $0 annual fee for the first year with the ANZ Frequent Flyer Black Visa.
Eligibility criteria, T&Cs, fees and charges apply.

  • 75,000 bonus Qantas Points after $2,500 minimum spend in the first 3 months after approval
  • 75 bonus Status Credits when you buy and fly return with Qantas by 28 February 2018
  • ANZ’s highest Qantas Points earning potential on everyday eligible purchases
  • Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership
  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period
  • Annual Fee: No annual fee for the first year, usually $425 p.a.
  • $2,500 minimum spend in the first 3 months required to earn bonus points
  • Book and travel on a return Qantas flight by 28th February 2018 to receive bonus Status Credits
  • Status Credit offer ends: 31st October 2017
  • Offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply.

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

ANZ Frequent Flyer Black Visa earns 1 Qantas point per dollar up to $7,500 per month then 0.5 point per dollar thereafter.



HSBC Platinum Qantas Credit Card - 60,000 Qantas Points

HSBC has a 60,000 Qantas Point bonus with the HSBC Platinum Qantas Credit Card along with included travel and purchase insurances. There's a $199 annual fee and 1 Qantas Point earned per $ spent, up to 2,500 points per month.

  • 60,000 bonus Qantas Points after spending $3,000 within 3 months
  • 1 Qantas Point earned up to $2,500 per statement period, 0.5 Qantas Points earned per $ thereafter
  • Insurance package including Extended Warranty, Purchase Protection, & International Travel Insurance (PDS)
  • $199 annual fee
  • $3,000 minimum spend in 3 months after approval required to earn bonus points
  • Offer ends: 31st October 2017

Find out more or apply →

Point Hacks earn a maximum of $120 per applicant for this card. More about this →

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The HSBC Platinum Qantas Visa earns 1 Qantas point per dollar on all spend up to $2,500 per month.



Macquarie Visa Black - 40,000 Qantas Points

Macquarie have a 40,000 Qantas Points bonus on offer with their Macquarie Visa Black. Choose to earn between Macquarie Rewards Points and Qantas Points and comes with complimentary insurances and extra travel benefits.

  • 40,000 bonus Qantas points
  • 2 Macquarie Reward Points per $1 spend, 1 Qantas Point per $1 spend up to $4,000 per statement period, and 0.5 Qantas point per $1 spend thereafter
  • Reduced first year $99 annual fee, usually $299
  • Access to over 750 airport lounges worldwide
  • Complimentary Overseas Travel Insurance, Purchase and extended warranty Insurance (PDS)
  • Complimentary 24 hour concierge services with up to 100% discount per year
  • Spend $3,000 in first two months of ownership to qualify for bonus points

Find out more or apply →

Point Hacks do not earn commissions on this card. More about this →

The Macquarie Visa Black and Platinum both earns 1 Qantas point per dollar spend with the Platinum capped at $2,500 and the Black at $4,000 per month. Earn rate drops down to 0.5 Qantas point thereafter.

Cards in the table but not mentioned above

Offers for some of the cards are not mentioned above as they don’t offer a sign up bonus, or we don’t have a guide for them yet.

The focus of this guide is to outline the highest earning Qantas Point credit cards out there – there are many other cards with differing points earn rates and annual fees that are also linked to Qantas Frequent Flyer. Check out the cards table for the list.

The highest Qantas Points-earning credit cards was last modified: September 12th, 2017 by Keith

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Point Hacks Credit Card Information

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Comments Expand Comments

  1. Hugh

    BoQ Specialist Signature Card 1 point per $ is capped at $10,000 per month (0.625 pts per $ after cap). Also free Priority Pass.

  2. Ryan

    HSBC Premier seems a good option for those who have a Premier account. As long as you are Premier in a different country, you can open a Premier account in Australia as well. $99 for Premier credit card earning 1 pt per $, no points cap. Anyone knows if there will be devaluation coming?

  3. jxv

    The table does not mention that Westpac Altitude Black Qantas cards earn an extra point for Qantas purchases. See T&C @ info.westpac.com.au/creditcards/black/AltitudeBlack/upload/Altitude_Terms_and_Conditions.pdf, page 28, section 5.2
    I haven’t had a chance yet to try this out.

    • This guide is focusing on Visa/MC which earn at 1 point per $ more. There are others which earn less and are still good like Bankwest but we didn’t include them for that reason.

  4. Leigh

    Thank you for your article.

    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)?

    • Holding a card from one bank never usually disqualifies you from bonus points for a card from another bank – banks actively want you to switch your business to them which is what the bonuses are for, to encourage you to become a customer. You’ll need to meet the ‘new’ bank’s eligibility criteria for their card to be approved, and for the offer of course, but yes, it’s absolutely possible.

  5. And I just found it on the ANZ website….

    “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.”

  6. With the ANZ black, 2.5 points per $ spent with Qantas (on the Amex), does this only come into effect if purchasing flights? What about Alcohol from Epiqure? Qantas Hotels?

    Where exactly does it specify this on ANZ website? I couldn’t find any mention of 2.5 points per $ spent with Qantas.

  7. Courtenay

    I think your Jetstar Platinum details are no longer correct. From their webpage:
    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.

  8. Vik

    The Jetstar Platinum card also has a $2,500 per month cap with 0.5 point earned after the cap (in addition to the 100,000 p.a. points cap).

    I’ve got one of these & was very sad when they brought in the $2500 cap last year.

  9. Chris

    Are you sure about the Citi Prestige card attracting a higher Qantas Frequent Flyer earn rate for international/cross-border acquired transactions?

    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.

      • Chris

        Glad to be of a tiny amount of help!

        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?

      • Yes, it’s annoying eh! I think it’s a question of banks prioritising simpler marketing messages and saving $$ too by setting up and marketing the bonuses as a single figure. I do pass the feedback on but it doesn’t seem to get listened to to the point where any changes are made.

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