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Best cards for Qantas Frequent Flyer points

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Ways to build Qantas Points with an Australian credit card — cards that earn the currency directly, plus flexible bank points that can transfer in.

Last updated

Direct earners
9
Transfer-in routes
0
Top earn rate
1.25 pt/$

Qantas Points are the most widely earned currency in the country. You collect them on Qantas and Jetstar flights, through a large stable of co-branded and bank credit cards that earn them directly, by shopping at Woolworths and dozens of Qantas Shopping partners, and by converting from flexible bank currencies. That breadth is the whole point — almost any Australian spending pattern can be pointed at Qantas.

Earns Qantas Points directly

American Express Qantas Business Rewards Card

American ExpressAmex· earns Qantas Points
1.25 pt/$
base earn rate
Annual fee
Sign-up bonus
Network
Amex

Business charge card. Earns Qantas Points into a Qantas Business Rewards account (transferable to individual Qantas Frequent Flyer accounts). Confirmed on official Amex AU business benefits page: 1.25 Qantas Points per A$1 on everyday business purchases; 2 Qantas Points per A$1 on selected Qantas products and services; 0.5 Qantas Points per A$1 on government, utilities and insurance. After a total of 500,000 Qantas Points earned in a calendar year, the everyday business earn rate reduces from 1.25 to 0.75 Qantas Points per A$1. Annual fee NOT shown on the official Amex AU benefits or product page (only third-party aggregators cite A$450) — left null rather than guessed. Sign-up bonus not stated on the official benefits page (promotional and time-limited).

Official card page

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Qantas American Express Ultimate Card

American ExpressAmex· earns Qantas Points
1.25 pt/$
base earn rate
Annual fee
$450
Sign-up bonus
50,000 pts$5,000 / 90d
Network
Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards-comparison page: 1.25 Qantas Points per A$1 on everyday spend; once 100,000 Qantas Points are earned on the account in a calendar year the everyday earn rate reduces to 1 Qantas Point per A$1. 0.5 Qantas Points per A$1 on government bodies. Includes a A$450 annual Qantas Travel Credit. Sign-up bonus 50,000 Qantas Points on A$5,000 spend in first 3 months (offer applies to online applications approved by 28 July 2026).

Official card page

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Qantas American Express Business Card

American ExpressAmex· earns Qantas Points
1 pt/$
base earn rate
Annual fee
Sign-up bonus
Network
Amex

Business charge card. Earns Qantas Points directly. Confirmed on official Amex AU business benefits page: 1 Qantas Point per A$1 on everyday business spend; 2 Qantas Points per A$1 on selected Qantas products and services; 0.5 Qantas Points per A$1 on government, utilities and insurance. Annual card fee NOT shown on the official Amex AU benefits or product page (only third-party aggregators cite A$450) — left null rather than guessed. Sign-up bonus not stated on the official benefits page.

Official card page

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Qantas American Express Premium Card

American ExpressAmex· earns Qantas Points
1 pt/$
base earn rate
Annual fee
$249
Sign-up bonus
Network
Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards page: 1 Qantas Point per A$1 on everyday card purchases; 0.5 Qantas Points per A$1 on government spend.

Official card page

Last updated

NAB Qantas Rewards Signature Card

NABVisa· earns Qantas Points
1 pt/$
base earn rate
Annual fee
$420
Sign-up bonus
100,000 pts$5,000 / 90d
Network
Visa

Earns Qantas Points directly. Confirmed on official NAB page: 1 Qantas Point per A$1 on everyday purchases up to A$5,000 per statement period, then 0.5 Qantas Points per A$1 from A$5,001 to A$20,000 (points capped at A$20,000 spend per statement period). Includes complimentary Qantas Frequent Flyer membership.

Official card page

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ANZ Frequent Flyer Black Credit Card

ANZVisa· earns Qantas Points
1 pt/$
base earn rate
Annual fee
$425
Sign-up bonus
90,000 pts$5,000 / 90d
Network
Visa

Earns Qantas Points directly. Confirmed on official ANZ page: 1 Qantas Point per A$1 on eligible purchases up to and including A$7,500 per statement period, then 0.5 Qantas Points per A$1 above A$7,500. Total annual fee A$425 = A$370 Annual Fee + A$55 Rewards Program Service Fee.

Official card page

Last updated

Westpac Altitude Qantas Black Credit Card

WestpacMastercard· earns Qantas Points
0.8 pt/$
base earn rate
Annual fee
$370
Sign-up bonus
90,000 pts$6,000 / 90d
Network
Mastercard

Earns Qantas Points directly. Confirmed on official Westpac page: 0.8 Qantas Points per A$1 on everyday domestic spend; 1.2 Qantas Points per A$1 on international spend; 0.5 Qantas Points per A$1 on all other eligible purchases, reduced to 0.25 per A$1 after A$10,000 spend in a statement period. Fees: A$295 card fee + A$75 rewards program fee = A$370 p.a. Sign-up bonus up to 150,000 bonus Qantas Points: 90,000 on A$6,000+ eligible spend within 90 days of approval, plus 60,000 on A$6,000+ eligible spend within 90 days of the year-2 card anniversary.

Official card page

Last updated

Qantas American Express Discovery Card

American ExpressAmex· earns Qantas Points
0.75 pt/$
base earn rate
Annual fee
$0
Sign-up bonus
Network
Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards page: 0.75 Qantas Points per A$1 on everyday card purchases; 0.5 Qantas Points per A$1 on government spend. No annual fee (A$0 p.a.).

Official card page

Last updated

ANZ Frequent Flyer Platinum Credit Card

ANZVisa· earns Qantas Points
0.75 pt/$
base earn rate
Annual fee
$295
Sign-up bonus
75,000 pts$2,500 / 90d
Network
Visa

Earns Qantas Points directly to your Qantas Frequent Flyer account. Confirmed on official ANZ page: 0.75 Qantas Points per A$1 on eligible purchases up to and including A$3,000 per statement period, then 0.5 Qantas Points per A$1 over A$3,000. Total annual fee A$295 = A$240 Annual Fee + A$55 Rewards Program Service Fee. Sign-up bonus 75,000 bonus Qantas Points + A$100 back when you spend A$2,500 on eligible purchases in the first 3 months from approval.

Official card page

Last updated

How to pick the right card

  • 1.Start with the sign-up bonus.It's usually the biggest points haul of year one — but check the minimum spend and whether you can meet it without buying things you don't need.
  • 2.Weigh the earn rate against the annual fee. A higher points-per-dollar rate only pays off if your spend is large enough to outrun the fee.
  • 3.Decide: direct or flexible. Earning Qantas Points directly is simplest; earning transferable bank points keeps your options open if your plans (or Qantas Frequent Flyer's value) change.
  • 4.Have a redemption in mind.Points are only worth earning if you'll use them — check what Qantas Points actually books before you apply.

Frequently asked

What's the best credit card for Qantas Frequent Flyer points in Australia?
The fastest route is a card that earns Qantas Points directly — there are 9 in our list, earning up to 1.25 points per $1 spent. The best card for you depends on the annual fee, sign-up bonus and how much you spend.
Is it better to earn Qantas Points directly or transfer points in?
Direct-earning cards are simpler and lock you into one currency. Cards that earn flexible bank points keep your options open — you can transfer to Qantas Frequent Flyer or to a different program later — but transfers are one-way and ratios change, so they suit people who value flexibility over simplicity.
Do sign-up bonuses count toward Qantas Points?
Yes — a card's sign-up bonus is usually the single biggest chunk of points you'll earn in year one, often dwarfing everyday spend. Weigh the bonus (and any minimum-spend requirement) against the annual fee when comparing cards.

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