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 after the Amex changes took effect in April 2019, 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 CardEarn RatePoints CapAnnual Fee ($)Guide
American Express Qantas Ultimate
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
uncapped450 p.a.Read Here
American Express Qantas Business Rewards
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
uncapped$450 p.a.
Read Here
Diners Club Frequent Flyer + World Mastercard
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
uncapped260 p.a.Read Here
Qantas Premier Titanium Card
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 $ spent after
1,200 p.a.Read Here
American Express Platinum Card
American Express Platinum Charge ↓
1.125 points on all eligible spend, and 0.5 point on spend at government bodiesuncapped1,450 p.a.Read Here
American Express Platinum Business Card
American Express Platinum Business Charge ↓
1.125 points on all eligible spend, and 0.5 point on spend at government bodiesuncapped1,750 p.a.Read Here
Qantas American Express Premium
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
uncapped249 p.a.Read Here
Qantas Premier Platinum Card
Qantas Premier Platinum Mastercard ↓
1 point on general spend
1.5 points on overseas spend
2 points with Qantas
$10,000 per month299 p.a.Read Here
NAB Qantas Rewards Signature Card
NAB Qantas Rewards Signature Visa ↓
1 point
2 points with Qantas
$5,000
0.5 point per $ after cap up to $20,000
395 p.a.Read Here
BOQ Specialist Qantas Signature
BoQ Specialist Qantas Signature Visa
1 point domestic
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
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
Qudos Bank Visa Platinum
1 point
2 points with Qantas
$2,500 per month and $200,000 per year249 p.a.Read Here
HSBC Platinum Qantas Visa
HSBC Platinum Qantas Visa ↓
1 point$1,000 per month99 p.a.Read Here
Macquarie Visa Black
Macquarie Visa Black
1 point
0.5 point after cap
$4,000 per month299 p.a.Read Here
Macquarie Visa Platinum
Macquarie Visa Platinum
1 point
0.5 point after cap
$1,000 per month249 p.a.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 earns 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 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. In addition, those cards also get offered transfer bonus promotions which increase the effective earn rates of those cards.

The exceptions are:


Current deals for Qantas Frequent Flyer-earning credit cards

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: October 30th, 2020 by Daniel Sciberras