Credit Cards with Qantas frequent flyer points

Qantas Frequent Flyer

Best Credit Cards for Qantas frequent flyer points

Qantas Frequent Frequent Flyer credit cards provide an easy way to earn Qantas Points simply by using your credit card to make everyday purchases.

Points are automatically added to your Qantas Frequent Flyer account that can be exchanged for a wide range of rewards including Qantas flights, hotel accommodation, gifts cards, and an extensive range of constantly changing products and services, featured in the Qantas Frequent Flyer Award Store.

How do I earn Qantas Frequent Flyer Points?

As part of the application process for any Qantas Frequent Flyer card you will be asked to provide your Qantas Frequent Flyer Number so your new Credit Card and your Qantas Frequent Flyer Accounts can be linked. This linking of the accounts means that your Qantas Frequent Flyer Account will be automatically credited with any points you earn from using your Credit Card at the end of each statement period.

To earn Qantas Frequent Flyer points you simply use your credit card to make purchases, whether it be for your groceries, a new TV or a meal at a restaurant, the amount of points you earn will depend on your cards QFF points per dollar ratio.

This ratio defines the number of points you earn for each dollar you spend on your Direct earn Qantas Frequent Flyer Credit card, this ratio tends to fall in the range of 0.5 to 3 points per dollar spent.

For some purchases your card issuer may offer higher points ratios (e.g. double your standard ratio), these are frequently offered by Qantas frequent Flyer Partners, whom include many of the Car Hire Companies, Caltex Petrol Stations, major Retailers and Hotels. On the flip side there a number of card purchases which do not earn points, these may include payment of utility bills and cash advances.

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Qantas Frequent Flyer Credit Cards - who are they relevant to?

To derive value from a Qantas Frequent Flyer Credit Card you will need to be using the card on a relatively frequent basis in order to accrue sufficient points to attain a “reward” of value, that cancels out any annual fee paid for the card.

Given the propensity for these cards to be used with high frequency the credit scores to attain them tend to be in the higher range, and as such are suitable for customers who are well versed in managing their finances and have a regular income, at a level in synch with their spending habits.

Qantas Frequent Flyer cards tend to feature purchase rates in the high range, it is therefore important to pay off the full balance of the card each month to avoid any high interest charges which would very quickly cancel out the benefit derived from earning Qantas Frequent Flyer Points.

Introductory Offers - Sign on QFF points bonus

Many of the Qantas Frequent Flyer credit cards include attractive “sign on” bonuses to entice new customers to their card. These bonuses tend to be a number of points that are credited to your account following an initial purchase, made using the new credit card.

Qantas American Express Discovery Credit Card

AMEX Qantas Discovery Credit card

 

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  • 0% p.a. annual fee
  • 0% p.a. on Balance Transfers for the 1st 12 months.
  • Low minimum income requirement - $35,000 p.a. (also applicable for non residents)
  • Qantas Rewards Points earned on all eligible purchases - automatically transferred to your Qantas Frequent Flyer Account each month
  • Upto 44 Interest Free days

Citi Signature Qantas Rewards Credit Card

Introductory Offer: 50,000 Qantas Points PLUS 0% p.a. Balance Transfer for 6 months PLUS Reduced annual card fee of $199 in first year (Normally $395)

Offer conditions: Apply by 30th April 2017. Earn the 50,000 Qantas Points when you spend $2,000 within 90 days of opening your account. Annual fee reduced from $395 to $199 in the first year. An annual fee of $49 applies to the Citi Qantas Rewards Program

Citibank Signature Qantas Rewards Credit Card

 

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  • Up to 55 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount. 
  • 4 additional cardholders included - must be 16 years or over
  • Complimentary Insurances - International Travel Insurance, Interstate Flight Inconvenience Insurance and Transit Accident Insurance.
  • Card Security - covered by Fraudshield.
  • Visa payWave - provides the convenience of tap and go quick payments on transactions up to $100.
  • Concierge - 24/7 service
  • Citi Dining Program - Free wine every time you dine at hundreds of participating restaurants when you pay with your Citi Card

Comparing Direct Earn Qantas Frequent Flyer credit cards

There are a number of key criteria that should be accessed to select the best Qanats credit card for your needs, here we review the top 5.

Qantas Points earned per dollar spent

The earn ratio determines the number of points awarded for each dollar spent using your credit card, these earn rates tend to sit in the range of 0.5 - 3 points per dollar spent. The credit cards offering the higher earn rates typically have very tight eligibility requirements, with a focus on minimum annual salary levels.

Annual Fees

Qantas Frequent Flyer credit cards tend to charge an annual card fee. To access whether it is worth paying the fee for the card a common approach is to calculate how much you would have to spend using the credit card to receive rewards of value, equal to the annual fee.

Points Capping

Qantas Frequent Flyer credit cards feature a points cap within their terms and conditions. A points cap is the maximum number of points you can accrue across a specified time period, and once you hit this cap, any further spending using your card across the specified period, will not attract further Qantas Frequent Flyer rewards points. Credit Cards terms may feature both monthly and annual caps, which can significantly impact your rewards earning potential.

When accessing these caps compare your forecast monthly and annual credit card spend with the cap values the cards places across the cap periods, which are usually annually or monthly. A number of Premium Level Qantas Credit Cards do offer No Maximum Points Cap on the number of qantas Points you can earn, but you will need a good credit rating to be accepted for these premium level cards.

Purchase Rates

Qantas Frequent Flyer credit cards typically feature purchase rates at the higher end of the range, which means if you do not pay of your balance in full each month the value of the rewards you have accrued through card usage will soon be eroded away by high monthly interest charges. These Qantas Frequent Flyer credit cards are most suitable for users who can pay off their balance each month and avoid any interest charges.

Indirect Qantas Frequent Flyer Credit cards

These rewards credit cards offer the choice to redeem rewards points for Qantas Frequent Flyer Points, so your card spending is not automatically linked to your Qantas Frequent Flyer account, instead you have the opportunity to choose Qantas Frequent Flyer points versus a range of other rewards.

A comparison with these “indirect” credit cards is useful as these credit cards offer a great deal of flexibility, and don’t tie you to a single reward program. The Altitude Program from Westpac and Amplify from St George both offer this flexibility.

It can be quite difficult to compare these indirect credit cards points earning ratios with the direct credit cards as the indirect credit cards tend to quote earning rates relative to the reward points they offer across their respective programs. To unravel this we have provided some insight below for the major indirect credit cards.

 

Indirect Qantas Frequent Flyer Credit Cards Point conversion rates

 

Indirect Credit card Can the card be linked directly with my Qantas Frequent Flyer Account Points Exchange Rate
AMEX David Jones Card Yes 1 membership reward point = 0.75 QFF points
Comm Bank Awards Card No 2.5 Comm Bank Awards points = 1 QFF point
Comm Bank Gold Awards Card No 2.5 Comm Bank Awards points = 1 QFF point
Comm bank Platinum Awards Card No 2 Comm Bank Awards points = 1 QFF point
Comm Bank Diamond Awards Card No 2 Comm Bank Awards points = 1 QFF point
St. George Amplify Card Yes 2 Amplify Rewards points = 1 QFF point
BankSA Amplify Card Yes 2 Amplify Rewards points = 1 QFF point
Bank of Melbourne Amplify Card Yes 2 Amplify Rewards points = 1 QFF point
     

Qantas Frequent Flyer Reward Credit Cards - ANZ, Commonwealth, Westpac, St George and others offer reward credit cards which earn Qantas Points that can be directly deposited to Qantas frequent flyer account. Here we compare and review the options. Read more

Frequent Flyer Reward Credit Cards - each of the global airlines which operate a loyalty program have a reward credit card offer in Australia, including Singapore Airlines Kriss Flyer, Emirates Sky Wards Miles, Virgin Australia's Velocity and Cathay Pacific Aisamiles. Read more

Qantas Credit Card - These reward credit cards enable cardholders to accelerate their earning of Qantas points by gaining points from using their Qantas Credit Card to make everyday purchases. Qantas Credit Cards are issued by all the leading card providers including American Express, Westpac, ANZ and Citi. Read more

Qantas Rewards Credit Cards - Compare Qantas Rewards credit cards side by side to appraise Qantas Point sign up bonuses, Qantas Point earn rates, complimentary insurances, credit card fees and rates. Read more

Qantas Frequent Flyer Credit Cards with No Points cap - Earn Qantas Points for all your eligible spend on these Uncapped Credit Cards designed to make sure you get rewarded for all your spend. Read more