Qantas Rewards Credit Cards
In partnership with Qantas all of the Australian Credit Card providers offer Qantas Rewards credit cards that enable cardholders to earn Qantas points when they use the credit card to pay for eligible purchases. All Qantas Points earned through spending on your Qantas Rewards Credit Card are automatically added to your nominated Qantas Frequent Flyer account, by simply linking the accounts.
Qantas in conjunction with their network of partner airlines fly to 100’s of worldwide destinations. Qantas frequent flyer members are able to earn Qantas Points on selected flights and redeem them for flights, better seats and upgrades, subject to availability. In addition to these travel related benefits Qantas Points can also be redeemed for an ever increasing range of goods and services available through the Qantas Frequent Flyer online store.
Qantas Rewards Credit Card Comparison
What is a Qantas Rewards Linked Credit Card?
As the most popular Frequent Flyer Program in Australia Qantas Frequent Flyer Program Qantas took the initiative some years ago to provide Qantas Frequent Flyer members with increased opportunities to earn Qantas Points in ways beyond flying with the airline. The Qantas Rewards linked Credit Card is one of these initiatives that have proved extremely popular with Qantas Frequent Flyer Members as it rewards members with vey little effort, by awarding points for using their Qantas Credit Card to pay for everyday purchases.
These Qantas Rewards linked credit cards are commonly referred to as Qantas Rewards Direct Earn credit cards, these cards should not be confused with the more generic reward credit cards which offer a range of reward point options, The unique offer of a Qantas Rewards linked Credit Card is that they reward your spending solely with Qantas Points which are automatically transferred to your linked Qantas Frequent Flyer Account.
Are Qantas Rewards Credit Cards relevant to frequent travellers who are not loyal to Qantas?
Many frequent travellers choose their airline based on the price of the ticket offered, which may mean the end up using multiple airlines to fulfill their travel requirements.
Through the network of Qantas Airline partners Qantas Frequent Flyer Members can earn and Redeem Qantas Points with 28 airlines including Jetstar, Emirates, American Airlines, British Airways, Cathay Pacific, Dragonair, Finnair, Iberia, Japan Airlines and Malaysia Airlines.
An alternative approach is offered by a number of Rewards Credit Cards which cater for this type of traveller by offering credit cards that are aligned to a number of Airline partners, as opposed to just one. With this flexibility points earned on credit card purchases can be transferred to any of the airline partners participating in the Reward Program, examples of this type of program are the Altitudes Reward Program, operated by Westpac Group that is aligned with about 10 airlines, and the Citi Rewards Program that is aligned to several major Global Airline Partners.
Earning Qantas Points with a Qantas Rewards Credit Card?
When you make an application for a Qantas Rewards credit card you will be asked within the application to provide your Qantas Frequent Flyer Number. If your application is successful the credit card providers will use the Qantas Frequent Flyer number provided to link your new credit card with your Qantas Frequent Flyer Account, this linking ensures that any Qantas Points you earn by using your credit card are automatically credited to your Qantas Frequent Flyer Account at the end of each statement period.
If you don’t have a Qantas Frequent Flyer Number at the time of making the Credit Card application, don’t worry as you can add this later which will allow your accounts to be linked.
Once the your Qantas Frequent Flyer Account and new Qantas Rewards Credit Card are linked, to start earning points you simply use your credit card to make purchases. For each eligible purchase made using your card you will receive a number of points based on the dollar value of the purchase, and the point earn rate your card offers.
So for example if your Qantas Reward Credit Card point earn rate is 1 point per $1 spent, and the purchase you made was for $50, you would be awarded 50 Qantas Points.
For some purchases your card issuer may offer higher points ratios (e.g. double your standard earn rate), these Partner Offers 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 credit card purchases which are not eligible for earning Qantas Points, these may include payment of utility bills, transactions with the ATO and cash advances.
How to Compare Qantas Rewards Credit Cards
When selecting any credit card for comparison a good starting point is to assess the credit cards level of relevance to your personnel financial circumstances, and specifically your ability to manage any transactions made on the credit card in terms of timely repayment, minimizing any interest charges and avoiding any fees for miss-management of the account.
Qantas Reward Credit Card comparison
The criteria below are a good starting point when conducting a Qantas Reward credit card comparison, remaining mindful of your personnel financial circumstances:
How many Qantas Points can I earn for spending on my Credit Card?
The Qantas Point earn ratio determines the number of Qantas Points awarded for each dollar spent using your credit card on eligible purchases, these earn ratios range from 0.5 to 3 points per dollar spent. The Qantas Reward credit cards offering the higher earn rates, are Platinum or Black Credit Cards that have very tight eligibility requirements including high minimum annual salary levels and perfect Credit Reports.
Annual Card Fees of Qantas Reward Credit Cards
Qantas Reward credit cards generally charge an annual card fee, with cards with higher fees generally offering higher Qantas Point earn rates. 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 card to receive rewards of value, equal to the annual card fee. Qantas Reward Credit Cards with higher fees tend to include complimentary travel insurance, extended product warranties and higher earn rates.
Monthly and Annual capping of Qantas Frequent Flyer Points earned
The majority of Qantas Reward Credit Cards include some form of rewards points cap. A points cap is the maximum number of Qantas Points you can accrue across a specified time period, and once you hit this cap, any further spending using your Qantas Rewards Credit card, will not earn any further Qantas Points.
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.
Qantas Rewards 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 Qantas Points you have accrued through card usage will soon be counter balanced by high monthly interest charges. Due to these high purchase rates Qantas Rewards Credit cards are most suitable for users who have the means and discipline to pay off their balance each month in full, and avoid the high interest charges.
What are Sign up Bonus Qantas Reward Point Offers?
Qantas Reward Credit Card providers are aware that potential cardholders are eager to build their Qantas Point balances and have responded to this by offering points as an incentive to apply for their respective credit cards. Sign Up Bonus Qantas Points of up to 60,000 are offered by the card providers. To attain the full bonus new card users will generally have to meet certain card usage levels based on spend in the early months of card ownership, so be sure to check the T&C’s of any introductory Reward Points offer.
Qantas Credit Cards with Sign up Bonus Point Offers
55,000 Bonus Qantas Points Full Card Details >>
Annual fee $450, No points cap, 0% p.a. on Balance Transfers for 12 months, Complimentary Insurances
50,000 Bonus Qantas Points Full Card Details >>
Reduced Annual fee of $199 in first year (from $395), High point earn rates, Complimentary Insurances
Do Qantas Frequent Flyer points earned from Qantas Reward Credit Cards expire?
No, Qantas Points will not expire as long as you earn or use Qantas Points (excluding family transfers or the conversion of points from Aquire) through your Frequent Flyer account at least once every 18 months. This includes earning or using Qantas Points with Qantas program partners. The time period starts from the date of your last activity (in the case of earning points on eligible flights, that is the date the flight was taken). If your Qantas Points do expire, you remain a Frequent Flyer member and your Frequent Flyer number and card remain valid. The next time you want to earn Qantas Points, simply use your card and the points will be credited to your account.
How do I earn the most Qantas points with a Qantas Reward Credit Card?
Sign up bonuses offered on new Qantas Reward Credit Cards - As an incentive to sign up for a Qantas Reward credit card each of the credit card providers frequently offers bonus Qantas Points as a sign up bonus, these bonuses range from 5,000 to 60,000 Qantas Points and generally are awarded once some spend threshold has been reached with your Qantas Reward Credit Card. When you are accessing the benefits of these sign up bonuses make sure the credit card you select is competitive beyond the sign up bonus, in terms of Qantas Point earn rates, interest rates and credit card fees.
Companion credit card accounts - A number of Qantas Reward credit card providers issue two credit cards linked to one account, so you'll hold both a MasterCard or Visa and an American Express credit card. These companion credit cards generally come with two different Qantas Point earn rates, with the American Express Card usually having the higher rate, though share the same credit card limit and annual fee. These companion credit card accounts allows you to tailor the way you spend and earn points on your account, giving you more control over your Qantas rewards and increased Qantas points-earning potential.
What benefits do Qantas Reward Credit Cards include?
Qantas Points - The primary benefit of a Qantas Reward Credit Card is that each time you use it to make a purchase you will earn Qantas Points. These Qantas Points can then be redeemed for hotel bookings, Flights, upgrades and an every increasing range of products and services available via the Qantas Frequent Flyer online store.
Travel insurance - Many Qantas Reward credit cards combine the Qantas Points earning opportunity with complimentary travel insurance. This complimentary travel insurance is generally offered when the booking of the travel is purchased using your Qantas Reward Credit Card, though recently a number of Qantas Credit Cards have extended this offer of complimentary travel insurance when the travel booking is made using Qantas Points.
Qantas Frequent Flyer Partners - Promotional Qantas Point earn rates are frequently offered by Qantas Reward Partners, so when you purchase from them the purchases attract a special "partner" earn rate which can often be double your usual Qantas Point earn rate.
Qantas Club - A number of Qantas Reward Credit Cards include complimentary entry to The Qantas Club which comprises of a network of Airport business lounges which are designed to make the start of your journey that little more relaxing with complimentary drinks, refreshments and luxurious surroundings.
Qantas Rewards Credit Cards - Frequently Asked Questions
Qantas Rewards credit cards are rewards credit cards that can be used to earn Qantas Points that. Having been one of the first frequent flyer programs launched, the Qantas program is without doubt the most popular to date. All major banks and credit card providers in Australia offer their own Qantas credit card, with some providers offering as much as 5 Qantas points per dollar spent using the credit card.
Qantas recently made a few changes to their Frequent Flyer program and now requires that the credit cards are nominated as direct earn cards. This means that consumers earn Qantas points directly into the Qantas program, whereas before points were earned under the card provider’s program and then transferred to the Frequent Flyer program at their discretion.
Just early this year, Qantas also announced a newly-formed alliance with Emirates. Here are some of the salient features of the Qantas and Emirates Partnership Frequent Flyer program as released by Qantas:
- Under the alliance, both Qantas Frequent Flyers and Emirates Skywards members will earn either Qantas FF points or Skyward miles on all flights. Points/miles conversion will depend on the fare amount.
- Since March 2013, Frequent Flyer points can already be redeemed for a Qantas Classic Award flight on Emirates services and Emirates Skywards miles can be used to redeem a Skywards Saver Reward flight on Qantas services. These arrangements are subject to availability.
- Access to the Emirates lounges (where available across Australia, Europe, Asia, North Africa and the Middle East) will be open to Platinum One, Platinum and Gold Qantas Frequent Flyers.
- Benefits given to high-tier credit cardholders of the operating carrier will be extended to the other carrier’s frequent flyer card members. These benefits may include priority check-in, priority waitlist, and immigration fast-tracking where available.
Bonus Qantas Points are often used as an incentive to recuit new credit card customers. Bonus points are usually received once the credit card is activated and a certain level of money is spent on the card within a specified time period. The key point is that to qualify for these sign up bonuses you will need to be a new customer, which generally means you have not held a credit card from that provider in the last 12 months.