Highest Earning Qantas Points Credit Cards

Compare the highest-earning Qantas Points credit cards for flights and upgrades. Many Qantas credit cards also offer sign-up bonuses, lounge access, status credits, and travel insurance.

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Updated 16 Dec 2024   |   Rates updated regularly

Comparing of 15 highest earning Qantas Points credit cards

Apply by 25 March 2025
American Express Platinum Business Card

American Express Platinum Business Card

4.2

Rewards program

Membership Rewards

Points per $1 spent

2.25 Membership Rewards Points

Sign up bonus

250,000 Membership Rewards Points

Annual fee

$875.00 for 1st year

Details

  • Get 250,000 bonus Membership Rewards points by applying before 25 March 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 250,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
Qantas Premier Titanium Credit Card

Qantas Premier Titanium Credit Card

4.8

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.25 Qantas Points

Sign up bonus

150,000 Qantas Points

Annual fee

$1,200.00 p.a. ongoing

Details

  • Get 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 3 months from card approval. Terms and Conditions apply.
  • Earn up to 1.25 Qantas Points per $1 on domestic purchases, up to $12,500 per statement period.
  • Includes 2 Qantas First Lounge invitations, plus 2 additional Lounge Invitations per year for a premium airport experience.
  • Get a 10% discount on the base fare of eligible Qantas flights for up to 2 adults, 2 children, and 2 infants per booking, twice per anniversary year.
  • Get a 20% bonus Status Credit on eligible flights.

Pros & cons

Pros
  • It offers a very substantial sign-up bonus with a reasonable spending target.
  • Receive 2 points per $1 spent on International transactions.
  • Receive 2 additional Qantas Points per $1 spent on Qantas flights.
  • Comes with complimentary domestic and international travel insurance.
  • Get help from a dedicated concierge for travel tips, shopping info, tickets to events, and more.
  • Includes a complimentary Qantas Wine Premium membership, offering access to curated wines, champagne, and spirits, along with the chance to earn extra Qantas points.
  • Own a sleek metal card that stands out from traditional plastic options.
  • Compatible with Apple Pay and Google Pay.
Cons
  • The annual fee is higher, but with the included benefits, it could be worth the cost.
  • There’s a $100 fee for adding cardholders.
  • Earning points drop to 0.50 per $1 after spending $12,500 in a statement period
Qantas Premier Platinum Credit Card

Qantas Premier Platinum Credit Card

4.8

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 Qantas Point

Sign up bonus

50,000 Qantas Points

Annual fee

$349.00 for 1st year

Details

  • Earn up to 80,000 bonus Qantas Points. Get 50,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 30,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
  • Get 0% interest on balance transfers for 12 months with a 2% fee, reverting to the cash advance rate afterward.
  • The annual fee is reduced to $349 for the first year, then increases to $399 p.a. thereafter.

Pros & cons

Pros
  • Earn up to 80,000 bonus Qantas Points when you meet the criteria.
  • Earn 1.5 points per $1 on international transactions and 1 point on domestic spending.
  • An additional 1 point per whole $1 on selected Qantas products and services.
  • Comes with complimentary travel insurance (cover for Covid-19 included).
  • Get 2 complimentary lounge access every year.
  • Save up to 20% off each year on select Qantas and QantasLink flights within Australia when you book through Qantas Premier Concierge.
  • Compatible with Apple Pay and Google Pay.
  • Safeguard your identity with Mastercard ID Theft Protection™.
Cons
  • The annual fee increases to $399 p.a. after the initial year.
  • Additional card fee costs $50 p.a.
  • There is a 2% balance transfer fee.
NAB Qantas Rewards Signature Credit Card

On NAB's website

NAB Qantas Rewards Signature Credit Card

3.6

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 Qantas Point

Sign up bonus

90,000 Qantas Points

Annual fee

$295.00 for 1st year

Details

  • Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
  • First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros & cons

Pros
  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Six complimentary insurances when you make an eligible purchase.
  • Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).
Cons
  • Annual fee of $395 p.a. is quite high.
Apply by 30 April 2025
Bank of Melbourne Amplify Signature Credit Card (Qantas)

Bank of Melbourne Amplify Signature Credit Card (Qantas)

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025
BankSA Amplify Signature Credit Card (Qantas)

BankSA Amplify Signature Credit Card (Qantas)

4.2

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Qantas)

On St.George's website

St.George Amplify Signature Credit Card (Qantas)

4.6

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
ANZ Frequent Flyer Black Credit Card

On ANZ's website

ANZ Frequent Flyer Black Credit Card

4.6

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 Qantas Point

Sign up bonus

100,000 Qantas Points and more

Annual fee

$425.00 p.a. ongoing

Details

  • Receive up to 130,000 points. Get 100,000 bonus Qantas Points and $250 cashback to your new card upon spending $5,000 on qualifying purchases within the initial 3 months from approval. Additionally, earn an extra 30,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • Enjoy 7 complimentary insurances, including International Travel Insurance.

Pros & cons

Pros
  • Earn up to 130,000 bonus Qantas Points and $250 cashback when you meet the criteria.
  • 1 point per $1 spent up to $7,500 per statement period.
  • Earn an uncapped number of points.
  • Enjoy 2 complimentary Qantas Club lounge invitations each year.
  • Comes with complimentary international travel insurance.
  • Up to 55 days interest-free on purchases.
Cons
  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
Qudos Bank Visa Platinum Credit Card

Qudos Bank Visa Platinum Credit Card

4.4

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 Qantas Point

Sign up bonus

N/A

Annual fee

$199.00 p.a. ongoing

Details

  • 4.99% p.a. for 5 months on balance transfers, and purchases. Reverts to 19.49% p.a.
  • Up to 55 interest-free days on purchases.
  • Earn 1 Qantas Point per $1 spent on eligible purchases.

Pros & cons

Pros
  • Earn 1 Qantas Point for every $1 spent on eligible purchases.
  • Complimentary overseas travel insurance.
  • 24/7 worldwide Visa Premium Concierge Service.
  • Works with most of the major digital wallets.
Cons
  • $199 p.a. annual fee.
  • There is a 3.65% foreign conversion fee.
HSBC Platinum Qantas Credit Card

On HSBC's website

HSBC Platinum Qantas Credit Card

3.2

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1.50 Qantas Points

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 1.5 Qantas Points per $1 on eligible purchases in your first 12 months, then 1 Qantas Point per $1 spent after that.
  • 0% p.a. balance transfer offer for 12 months, with a 2% transfer fee.
  • Save $299 in the first year with no annual fee, then $299 p.a. after that.

Pros & cons

Pros
  • Includes complimentary travel insurance with Rental Vehicle Excess Insurance in Australia and Transit Accident Insurance.
  • Plus Extended Warranty and Purchase Protection insurance.
  • Save $99.50 with the Qantas Frequent Flyer program complimentary membership.
  • Get a free Frequent Values™ membership, which gives you access to 4,500 promos at select stores, restaurants, hotels, and family attractions.
  • Enrol family members as additional cardholders at no extra cost.
  • Up to 55 interest-free days.
  • This card is compatible with Apple Pay and Google Pay.
  • Take control of your card with the HSBC Australia app.
Cons
  • The balance transfer rate reverts to the cash advance rate of 21.99% p.a. after the introductory period.
  • There is a 2% BT fee.
  • After the first year, the annual fee increases to $299 p.a.
  • Qantas Points are capped at 120,000 per year.
  • Does not include complimentary lounge access.
  • A 3% foreign transaction fee applies to purchases made overseas.
Macquarie Black Credit Card with Macquarie Rewards

Macquarie Black Credit Card with Macquarie Rewards

4.4

Rewards program

Macquarie Rewards

Points per $1 spent

2 Macquarie Rewards points

Sign up bonus

20,000 Macquarie Rewards points

Annual fee

$249.00 p.a. ongoing

Details

  • Earn 2 Macquarie Reward points per $1 spent.
  • Receive up to $94 in gift cards when you spend $10,000 per month.
  • Enjoy up to 4 free additional cardholders.

Pros & cons

Pros
  • No international purchase fees.
  • Earn 2 Macquarie Reward points per $1 spent.
  • Macquarie Rewards points can be redeemed for virtual gift cards or as cashback.
  • $94 in gift cards when you spend $10,000 per month.
  • Up to 55 days interest-free on purchase.
  • Comes with complimentary overseas travel insurance and an extended warranty on purchases.
  • Compatible with Apple Pay and Google Pay.
Cons
  • The $249 p.a. annual fee.
  • Points can't be transferred to airline rewards programs.
  • Interest rates are about average for a rewards card, i.e. not very low.
Macquarie Visa Platinum Credit Card

Macquarie Visa Platinum Credit Card

4.1

Rewards program

Macquarie Rewards

Points per $1 spent

1.25 Macquarie Rewards points

Sign up bonus

40,000 Macquarie Rewards points

Annual fee

$149.00 p.a. ongoing

Details

  • Earn up to $20 in gift cards when you spend $3,100 monthly. Terms and Conditions apply.
  • Earn 1.25 Macquarie Reward points per $1 spent.
  • Benefit from up to 4 free additional cardholders, with the option to add more at an additional cost.

Pros & cons

Pros
  • No international purchase fees.
  • Up to 55 days interest-free on purchase.
  • Compatible with Apple Pay and Google Pay.
Cons
  • The $149 p.a. annual fee.
  • Samsung Pay is not supported.
  • Macquarie Rewards has no airline partners.
Apply by 30 April 2025
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Westpac Altitude Black Credit Card (Altitude)

3.7

Rewards program

Altitude Rewards

Points per $1 spent

1.25 Altitude Rewards points

Sign up bonus

100,000 Altitude Rewards points

Annual fee

$200.00 for 1st year

Details

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Westpac Altitude Business Platinum Credit Card

On Westpac's website

Westpac Altitude Business Platinum Credit Card

Rewards program

Altitude Rewards

Points per $1 spent

1 Altitude Rewards point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 2 Altitude Points with overseas transactions, 1 point with local merchants, and 0.5 points on government payments, offering tailored rewards based on your spending.
  • No cap on how many points can be earned from eligible spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros & cons

Pros
  • Add 1 additional cardholder at no extra cost.
  • Offers a credit limit from $20,000 to $150,000, providing flexibility to support your personal or business needs.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • No sign-up bonus offer at the moment.
  • After the initial year, you will be charged a $200 p.a. annual fee.
  • Allows only 1 additional cardholder, which may suit smaller households or businesses.
Westpac Altitude Business Gold Mastercard

On Westpac's website

Westpac Altitude Business Gold Mastercard

Rewards program

Altitude Rewards

Points per $1 spent

1 Altitude Rewards point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 1 Altitude Point on eligible overseas and local transactions, then 0.5 points on government payments, offering tailored rewards based on your spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros & cons

Pros
  • $0 annual fee in the first year, saving you $150 upfront.
  • Add 1 additional cardholder at no extra cost.
  • Offers 4.99% p.a. for 12 months on balance transfers, with no BT fee, making it easier to manage debt.
  • Get a credit limit from $1,000 to $80,000, providing flexibility to support your personal or business needs.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 3% fee if you use your card overseas.
  • Points are capped at 20,000 per statement cycle, which is ideal for moderate spenders.

Qantas Frequent Flyer is the most popular frequent flyer program in Australia, and its millions of members highly value Qantas Points.

Earning Qantas Points through credit card spending is a primary method for many Qantas Frequent Flyer members. If you frequently use American Express, Visa, or Mastercard for your daily expenses, there are numerous high points-earning options available.

How to use our highest earning comparison table

For all the cards and offers listed on this page, we are looking at two things:

  • Direct Earn Rates: Cards that directly earn Qantas Points on eligible spend.
  • Effective Earn Rates: Cards that earn points in a flexible rewards program, which can later be transferred to Qantas Frequent Flyer at varying rates.

The 'effective earn rate' standardises the number of Qantas Points you could earn from different flexible rewards programs, considering earning rates for spend and transfer rates to Qantas Frequent Flyer. These rates are already calculated as ‘effective earn rates,’ making it easier to compare these cards to ‘direct earn’ Qantas Frequent Flyer cards.

What to consider in a Qantas co-branded credit card

In addition to the card’s usual earn rates, consider the following:

  • Unique benefits: Look for shopping perks or complimentary insurance.
  • Sign-up bonuses: Check for new customer offers with rewarding sign-up bonuses.
  • Other transfer partners: Consider the other transfer partners of flexible rewards programs, apart from Qantas.
  • Annual fees and terms: Review the annual fees and overall terms and conditions.
  • Mobile payment capabilities: Ensure the card supports Google and Apple Pay.

A large sign-up bonus might offset a lower earn rate or a higher annual fee, so keep that in mind. Each card offer and other information on this page should be current. However, offers may change over time.

Why doesn’t Qantas have more flexible points program partners?

In 2009, Qantas Frequent Flyer decided to work primarily with its bank partners to offer ‘direct earn cards’ only. This strategy allows it to have more control over its members.

As a result, most members can only earn Qantas Points directly on participating cards rather than points into a flexible rewards program. There are a few exceptions for some cards that offer Qantas Points transfers. These cards may offer transfer bonus promotions, increasing their effective earn rates.

The exceptions are:

  • The $1,450 p.a. Platinum Card from American Express and the $1,750 p.a. Business version allow transfers from Membership Rewards Ascent Premium, offering 1 Qantas Point per 2 Membership Rewards Points transferred.
  • Westpac Altitude Business Platinum and Business Gold accounts allow transfers from Altitude Rewards, providing 1 Qantas Point per 2 Altitude Points transferred.

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