Best Qantas Frequent Flyer credit card sign-up offers

Ignite your Qantas Points balance with our roundup of the best credit card sign-up deals, beginning at a hefty 150,000 points.

By Chris Chamberlin , March 3 2020
Best Qantas Frequent Flyer credit card sign-up offers

With up to 150,000 bonus Qantas Points to be had from a single credit card application, April's batch of top Qantas Frequent Flyer credit card deals give you ample opportunity to stock up on frequent flyer points while you're on the ground, ready for your next trip in the (hopefully) not-too-distant future.

Whether you're hunting for a new Visa, Mastercard or American Express card to boost your frequent flyer balance, here are this month's top public, personal credit card sign-up deals from American Express, ANZ, Bank of Melbourne, BankSA, Commonwealth Bank, NAB, Qantas Money, St.George and Westpac.

Here are the 15 best Qantas Frequent Flyer credit card sign-up offers

1. Qantas Premier Titanium Mastercard

Sign-up Bonus: Apply by June 30 2020 and spend $5,000 within 90 days of approval to earn 150,000 bonus Qantas Points.

Rewards: Earn 1.25 Qantas Points per $1 spent in Australia up to $12,500 per month, lowering to 0.5/$1 thereafter until the next statement period. Plus, an extra two Qantas Points per $1 spent on eligible Qantas charges. International spend provides a flat earn rate of 2 Qantas Points per A$1.

Annual Fee: $1,200, plus $100 per year per additional cardholder (up to four additional cards).

2. NAB Qantas Rewards Signature Card

Sign-up Bonus: Begin with 100,000 bonus Qantas Points when you apply and spend $3,000 within the first 60 days, plus, 30,000 bonus Qantas Points when you keep your card for over 12 months, for up to 130,000 bonus Qantas Points all up. Just note, NAB warns that this offer may end at any time.

Rewards: Take home one Qantas Point per $1 spent up to $5,000 per month, and 0.5 Qantas Points per $1 on monthly spends of $5,001-$20,000. No points are awarded on monthly spends exceeding $20,000, or on ATO payments at any time.

Annual Fee: $295 in the first year, and $395 every year thereafter: including on the first card anniversary, which is payable in order to receive the second part of your sign-up bonus.

3. ANZ Frequent Flyer Black

Sign-up Bonus: Pocket 120,000 bonus Qantas Points and $275 back to your new card, when you apply and spend $4,000 on eligible purchases in the first three months from approval.

Rewards: You can earn one Qantas Point per $1 spent on everyday purchases up to and including $7,500 per month, and 0.5/$1 thereafter. Plus, one additional point per $1 spent on selected Qantas products and services in Australia.

Annual Fee: $425, although taking into account the $275 statement credit as part of the sign-up offer, the 'cost' of the annual fee drops to $150 in the first year. A $65 fee applies per additional cardholder.

4. Westpac Altitude Black Mastercard

Sign-up Bonus: Westpac's Altitude Black Mastercard comes with up to 120,000 bonus Qantas Points for eligible new customers who apply by August 5 2020, select Altitude Qantas as their rewards option and meet the spending requirements.

Initially, you'll get 90,000 bonus Qantas Points when you apply by that date and spend $4,000 or more on eligible purchases within 90 days of new card approval. Then, a further 30,000 bonus Qantas Points after making the first eligible purchase in the second year of your card account being active.

Rewards: Eligible purchases generate 0.75 Qantas Points per $1 spent, excluding ATO payments.

Annual Fee: A $250 annual card fee applies, plus the bank's $50/year Qantas Rewards fee to earn Qantas Points, although there's no extra charge for an additional cardholder.

5. Qantas Premier Platinum Mastercard

Sign-up Bonus: Eligible new Qantas Premier Platinum Mastercard customers who apply by May 28 2020 can earn 80,000 bonus Qantas Points after spending $5,000 or more on eligible purchases within 90 days of approval, plus an additional 20,000 bonus Qantas Points after the first anniversary of approval: that's up to 100,000 bonus Qantas Points in total.

Rewards: Earn 1 Qantas Point per $1 spent in Australian dollars up to $10,000 per month, reducing to 0.5/$1 thereafter – except on government transactions which earn no points. Collect one bonus Qantas Point per dollar spent on selected Qantas products and services in Australia, over and above the applicable 'everyday' earning rate. All foreign currency transactions provide 1.5 Qantas Points per $1 spent, uncapped.

Annual Fee: $299. A $50/year charge also applies when having an additional cardholder on the account.

6. Qantas American Express Ultimate Card

Sign-up Bonus: Apply for the Qantas AMEX Ultimate Card by April 14 2020 as a new AMEX card member and spend $3,000 on purchases within the first three months to earn 100,000 bonus Qantas Points.

Rewards: Reel in 1.25 Qantas Points per $1 spent on most purchases, except on selected Qantas products and services in Australia where you'll earn a higher 2.25 Qantas Points per $1, and on government spend where the earn rate is reduced to 0.5/$1.

Annual Fee: $450, with no additional cardholder fee.

7. St. George Amplify Signature Visa with Qantas Points

Sign-up Bonus: Apply for the Amplify Signature with Qantas Points card by June 2 2020 and spend $6,000 on eligible purchases within 90 days of card approval to earn 80,000 bonus Qantas Points.

Rewards: You'll take home 0.75 Qantas Points per $1 spent on everyday purchases – plus a 10% 'birthday bonus' awarded in the month of your special day – taking that to 0.825 Qantas Points per $1 spent.

Annual Fee: Pay a reduced annual fee of $139 in the first year, reverting to $279 thereafter. No additional cardholder fee.

This same bonus points and reduced annual fee offer is also available on the near-identical Bank of Melbourne Amplify Signature Visa with Qantas Points and the BankSA Amplify Signature Visa with Qantas Points credit cards.

8. St.George Amplify Platinum Visa with Qantas Rewards

Sign-up bonus: Apply for the Amplify Platinum with Qantas Rewards card by June 2 2020 and spend $2,000 on eligible purchases within 90 days from card approval to earn 60,000 bonus Qantas Points.

Rewards: Earn 0.5 Qantas Points per $1 spent on everyday purchases, uncapped.

Annual Fee: $99, with no additional cardholder fee, or separate fee for earning Qantas Points.

A similar offer of 60,000 bonus Qantas Points is also available on the near-identical Bank of Melbourne Amplify Platinum Visa with Qantas Points and the BankSA Amplify Platinum Visa with Qantas Points credit cards.

9. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by August 5 2020 and spend $3,000 on eligible purchases within 90 days of card approval to earn 60,000 bonus Qantas points.

Rewards: Earn 0.5 Qantas Points per $1 spent on everyday purchases, uncapped. This excludes government spend such as ATO payments.

Annual Fee: There's a $150 annual card fee plus a $50 yearly Qantas Rewards fee.

10. ANZ Frequent Flyer Platinum

Sign-up Bonus: Apply and you could take home 50,000 bonus Qantas Points and $195 back to your new ANZ Frequent Flyer Platinum card when you spend $2,000 on eligible purchases in the first three months from approval.

Rewards: You can also earn 0.75 Qantas Points per $1 spent on eligible purchases up to and including $3,000 per monthly statement period, reverting to 0.5 Qantas Points per $1 spent thereafter. Plus, one bonus Qantas Point per dollar spent on selected Qantas products and services.

Annual Fee: $295, but factoring in the $195 statement credit as part of the sign-up deal, that 'cost' is reduced to $100 in the first year. A $65 fee applies per additional cardholder.

11. AMEX Platinum Charge Card

Sign-up Bonus: Eligible new customers can collect 80,000 bonus Membership Rewards Ascent Premium points, worth 40,000 Qantas Points after a 2:1 conversion, when applying for the card and spending at least $3,000 in the first three months.

Rewards: Most purchases earn 2.25 Membership Rewards points per dollar spent, being 1.125 Qantas Points. Except, that is, for government payments, which earn one Membership Rewards point per dollar spent: 0.5 Qantas Points.

Annual Fee: There's a hefty $1,450 annual fee, although the points you can earn are uncapped, and the card offers an extensive range of travel benefits including unlimited airport lounge access, complimentary hotel status and more.

12. Commonwealth Bank Platinum, Ultimate Awards Mastercards

With near-identical offers across two cards from the same bank, the CBA Platinum Awards Mastercard and the newly-launched CBA Ultimate Awards Mastercard share 12th place.

Sign-up Bonus (Platinum Awards): Eligible new customers can take home 100,000 bonus CBA Awards points when applying by June 30 2020 and spending $4,000 on eligible purchases within 90 days of card activation. Via the bank's Qantas Frequent Flyer Direct earning option which converts points to Qantas each month at a 2.5:1 rate, that's equal to 40,000 Qantas Points.

Sign-up Bonus (Ultimate Awards): The Ultimate card serves up a similar offer of 100,000 bonus CBA Awards points (40,000 bonus Qantas Points via Qantas Frequent Flyer Direct) when applying by May 30 2020 and spending $5,000 on eligible purchases within 90 days of card activation.

Rewards (Platinum Awards): Via the CommBank Awards scheme, earn the equivalent of 0.4 Qantas Points per $1 spent (1 CBA Awards points per $1, with the 2.5:1 monthly conversion), up to a maximum of 60,000 Qantas Points (150,000 CBA Awards points) per calendar year. No points are earned on ATO payments, however.

Rewards (Ultimate Awards): Earn 3 Awards points (1.2 Qantas Points) per $1 spent on international transactions; 2 Awards points (0.8 Qantas Points) per $1 spent at major supermarkets, department stores and petrol stations; and 1 Award point (0.4 Qantas Points) per $1 spent elsewhere. From May 2020, all monthly spending above $10,000 (regardless of category) earns points at a reduced rate of 0.5 Awards points (0.2 Qantas Points) per $1 spent.

Annual Fee: On the Platinum card, there's a $249 annual fee to pay, plus $10/year for an additional cardholder. The Ultimate card instead has a monthly fee of $35, which is waived if you spend at least $2,500 in your statement period and receive statements electronically, with no fee for an additional cardholder. Earning Qantas Points via either card attracts a $30/year Qantas Frequent Flyer Direct opt-in fee.

13. David Jones American Express Platinum Card

Sign-up Bonus: Apply for the David Jones AMEX Platinum Card, select Qantas Frequent Flyer as your rewards option and spend $1,500 on your new card within the first three months at locations excluding David Jones to earn 30,000 bonus Qantas Points.

Rewards: Via that Qantas Frequent Flyer rewards option, you'll earn 2 Qantas Points per $1 spent at David Jones, 1.5 Qantas Points per $1 spent at major supermarjets and petrol stations, and 0.5 Qantas Points per $1 spent everywhere else, uncapped.

Annual Fee: $295, with no fees for additional cardholders (up to four).

14. Qantas American Express Premium Card

Sign-up Bonus: Receive 30,000 bonus Qantas Points when you apply online for the Qantas AMEX Premium Card, are approved, and spend $3,000 on your new card in the first three months from the card approval date.

Rewards: Most purchases made using the card earn one Qantas Point per $1 spent, uncapped. However, this is doubled (2/$1) on spends made directly with Qantas, and halved (0.5/$1) at government bodies in Australia, such as at Australia Post and the ATO.

Annual Fee: $249, with no fee for additional cardholders (up to 4).

15. NAB Qantas Rewards Premium Card

Sign-up Bonus: Take home 30,000 bonus Qantas Points when you apply for the NAB Qantas Rewards Premium Card and spend $2,500 on everyday purchases within 60 days of account opening.

Rewards: Earn 0.66 Qantas Points per $1 spent (that's 1 Qantas Point per $1.50 spent) for the first $3,000 of monthly purchases; then, 0.33 Qantas Points per $1 spent (1 Qantas Point per $3 spent) on monthly spends of $3,001-$6,000. No points are earned on spends exceeding $6,000 per month.

Annual Fee: $250, with one additional cardholder permitted at no extra cost.

How we ranked and rated these cards

Ranking criteria

This page provides a list of the most rewarding Qantas Frequent Flyer credit card sign-up offers in Australia, as available at the time of publishing.

This list includes personal credit cards and general, public sign-up offers, but does not include business or corporate credit cards, or deals that are private, restricted or targeted, with the exception of any offers targeted to Executive Traveller readers, which may offer more points or reduced fees compared to a bank's standard public offering.

Credit cards listed above as part of this 'top 15' appear in descending order based on the total number of Qantas Points offered via the card's sign-up bonus.

Where more than one card is offering the same number of bonus points, other factors such as annual fees, minimum spend requirements, points earning rates for ongoing purchases, ongoing benefits and sign-up incentives such as statement credits are considered in determining rank.

Ranking updates

Much has changed over the past month, beginning with Westpac which boosted its offer of 80,000 bonus Qantas Points up to 120,000 bonus Qantas Points on the Altitude Black Mastercard, and extended its expiring deal of 60,000 bonus Qantas Points on its Altitude Platinum Mastercard.

Similarly, St.George's offer on its Amplify Platinum card has been extended from March 31 until June 2 2020.

Some cards have also departed from these rankings as the result of offer changes or withdrawal from sale, including the Citi Prestige Qantas Credit Card, which was not accepting new applications as at April 1 2020.

This has seen many cards move up in rank, and new additions to this 'top 15' including the David Jones AMEX Platinum Card, the Qantas AMEX Premium Card and the NAB Qantas Rewards Premium Card, all of which are offering 30,000 bonus Qantas Points.

What are frequent flyer credit cards and how do they work?

As the name suggests, frequent flyer credit cards allow people to earn frequent flyer points from their credit card purchases – with Qantas Frequent Flyer credit cards naturally awarding Qantas Points on those spends.

Unlike some other programs, Qantas Frequent Flyer usually requires credit card holders to have a Qantas-branded or Qantas-affiliated credit card in order to earn Qantas Points, rather than being able to convert bank rewards points into Qantas Frequent Flyer points, with a few exceptions.

Usually, these credit cards offer a certain number of frequent flyer points for every $1 spent on the card, and that earning rate may change depending on how much the cardholder has spent every month or in that year. These points are usually credited directly to the cardholders' nominated frequent flyer account monthly.

Pros & cons of frequent flyer credit cards

While credit cards that earn frequent flyer points can be highly rewarding for those who make the most of them, they do tend to come with higher annual fees than credit cards with no points attached.

Those annual fees can sometimes be offset by features included with each credit card – such as airport lounge access, travel vouchers/credits, complimentary flights or insurance cover – or from the value of the points earned via the card and the rewards they can unlock, but this does vary from card to card, and may also vary depending on how much a cardholder spends every year, as the number of points earned usually aligns with cardholder expenditure.

Frequent flyer credit cards can also have higher interest rates on purchases and cash advances than non-frequent flyer cards, particularly 'low rate' cards.

While most credit cards levy no interest charges when paying the statement closing balance in full and on time every month (these being 'interest-free days'), people who need to carry a balance from month to month – either occasionally, or regularly – may find that those interest charges exceed the value of the rewards and features received, and may prefer a card with a lower interest rate.

Some higher-tier credit cards, particularly those offering the highest number of points, may also have higher minimum income requirements than entry-level credit cards, along with higher minimum credit limits, both of which can make them harder to qualify for.

As well, some types of cards – particularly American Express and Diners Club – are not as widely accepted as the likes of Visa or Mastercard, or may attract higher credit card surcharges when used, so although the number of points earned per dollar spent may be higher, they may be fewer opportunities to do so, or there may be an additional cost to doing so.

On the plus side, using a frequent flyer credit card effectively can help unlock extensive rewards ranging from free flights and upgrades to business class through to perks like airport lounge access, discounts when purchasing flights and more, with interest charges generally not applying to those who spend only within their means and pay the full closing balance every month.

Qantas Frequent Flyer credit card FAQs

Can you combine frequent flyer miles and points?

In the Qantas Frequent Flyer scheme, yes, eligible family members can transfer Qantas Points between their accounts at no charge. This can be useful in a household where both members of a couple are earning Qantas Points, as these can be combined in order to book a flight.

Can you link Qantas Frequent Flyer accounts?

Not directly, but you can transfer Qantas Points between family accounts as above.

Can I earn miles or points if I buy a ticket for someone else?

Yes. While the traveller may earn their own miles or points from the flight itself (depending on the airline and airfare), purchasing a flight is just like any other transaction, with the credit cards above offering a certain number of Qantas Points per dollar spent on purchases, including airfares.

Can I use Qantas Points to buy a ticket for someone else?

Yes, provided the traveller is an eligible family member or a domestic partner. Just note, frequent flyer points (and status credits) are generally not earned on flights booked using points: only on eligible paid airfares.

Table: 15 best Qantas Frequent Flyer credit card sign-up offers

Credit card

Bonus Qantas Points

Qantas Points per $1 spent *

Annual fee

Other benefits

Qantas Premier Titanium

150,000

1.25 (0.5 above $12,500/month)

$1,200

Two Qantas First Lounge invitations per year + 20% bonus status credits

NAB Qantas Signature

Up to 130,000

1 (0.5 above $5,001, nil above $20,000)

$295 (1st year)
$395 (ongoing)

No additional cardholder fee, insurance cover

ANZ Frequent Flyer Black

120,000

1 (0.5 above $7,500/month)

$425

Get $275 back with that sign-up bonus, Qantas Club discounts

Westpac Altitude Black Mastercard (with Altitude Qantas)

Up to 120,000

0.75

$250 (MC)
$50 (Qantas Rewards fee)

Uncapped and untiered points earning, Qantas lounge passes

Qantas Premier Platinum

Up to 100,000

1 (0.5 above $10,000/month)

$299

20% discount on Qantas flights once per year, lounge passes

Qantas AMEX Ultimate

100,000

1.25

$450

$450 Qantas Travel Credit, AMEX & Qantas lounge passes

St.George Amplify Signature with Qantas Points

80,000

0.825 (incl. Birthday Bonus)

$139 (1st year)
$279 (ongoing)

Two yearly Qantas Club lounge passes, no additional cardholder fee

St.George Amplify Platinum with Qantas Points

60,000

0.5

$99

Low annual fee with travel insurance, no points capping

Westpac Altitude Platinum Mastercard (with Altitude Qantas)

60,000

0.5

$150 (MC)
$50 (Qantas Rewards fee)

No points capping or additional cardholder fee, travel insurance

ANZ Frequent Flyer Platinum

50,000

0.75 (0.5 above $3,000/month)

$295

Get $195 back alongside the sign-up bonus, plus other savings

AMEX Platinum Charge Card

40,000

1.125

$1,450

Unlimited lounge access, hotel status boosts

CBA Platinum & Ultimate Awards

40,000

0.4 (Platinum)
0.4 (Ultimate <$10k/mth)
0.2 (Ultimate, >$10k/mth)

$279 (Platinum)
$35/month (Ultimate, waived on >$2.5k spend)

Pay no overseas transaction fees on the Ultimate Awards card

David Jones AMEX Platinum

30,000

0.5

$295

Free alterations, gift wrapping and more at DJs

Qantas AMEX Premium Card

30,000

1

$249

Qantas lounge passes, Qantas Wine Premium

NAB Qantas Rewards Premium Card

30,000

0.66 (0.33 above $3,000, nil above $6,000)

$250

Earn bonus points on spends directly with Qantas

* Qantas Points earned per $1 spent is based on everyday eligible purchases on transactions within Australia. Some spending categories may earn more, fewer or no points on each card, such as government transactions, overseas purchases, spend directly with Qantas, etc.

Chris Chamberlin

Chris Chamberlin is the Associate Editor of Executive Traveller and lives by the motto that a journey of a thousand miles begins with a single step, a great latte, a theatre ticket and a glass of wine!