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, December 2 2019
Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

With up to 150,000 bonus Qantas Points to be had from a single credit card application, this month's batch of top Qantas Frequent Flyer credit card deals come packed with points and perks.

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, Citibank, Macquarie 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 February 26 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. Citi Signature Qantas Credit Card

Sign-up Bonus: Apply by January 31 2020 and spend $5,000 within 90 days of approval to pocket 100,000 bonus Qantas Points. Plus, get an extra 50,000 bonus Qantas Points after your first anniversary of holding the card: that's up to 150,000 bonus Qantas Points in total.

Rewards: You can earn 1 Qantas Point per $1 spent on eligible international transactions, as well as purchases made in Australia directly with major airlines, hotel chains and restaurants, all uncapped. You can also earn 0.75 Qantas Points per $1 spent at major Australian supermarkets, petrol outlets and national retailers: also uncapped. Everywhere else, the earn rate is 0.5 Qantas Points per $1 spent up to $20,000 per statement period, except on government transactions where no points are earned.

Annual Fee: Pay a $49 'rewards fee' in the first year, and $444 in total annual fees in subsequent years: including on the first card anniversary to earn the second part of that welcome 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.

ANZ disclaimer: To apply for this credit card, you must:
-Be 18 years of age or over, and;
-Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa.

ANZ disclaimer: New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $425).

4. Qantas Premier Platinum Mastercard

Sign-up Bonus: Eligible new Qantas Premier Platinum Mastercard customers who apply by February 26 2020 can earn 20,000 bonus Qantas Points per month for the first six months, when spending at least $1,500 in each of those months: up to 120,000 bonus Qantas Points after month six.

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: Reduced to $199 in the first year, $299 thereafter. A $50/year charge also applies when having an additional cardholder on the account.

5. NAB Qantas Rewards Signature Card

Sign-up Bonus: Begin with 90,000 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 120,000 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.

6. American Express Westpac Altitude Black Bundle

Sign-up Bonus: Apply for the Altitude Black Bundle – pairing a Westpac Altitude Black Mastercard with an American Express Westpac Altitude Black Card – by March 31 2020 and spend $4,000 on eligible purchases within 90 days of card approval using the Altitude Black Mastercard to earn 80,000 bonus Qantas Points.

You could also pocket 20,000 bonus Qantas Points when spending $3,000 on eligible purchases within the same 90-day period using the American Express Westpac Altitude Black Card, for a total of up to 100,000 bonus Qantas Points.

Rewards: Under the Altitude Qantas rewards scheme, the American Express Westpac Altitude Black Card delivers 1.25 Qantas Points per $1 spent on most everyday purchases within Australia – reduced to 0.5/$1 on government spend, but boosted to 2.25/$1 on eligible charges directly with Qantas. All overseas purchases on this card provide 2 Qantas Points per $1 spent.

Using the Altitude Black Mastercard, eligible transactions at home and abroad earn a flat 0.75 Qantas Points per dollar spent, except for government spend which earns no points, and charges directly with Qantas which accrue 1.75 Qantas Points per $1 spent.

Annual Fee: $250 for the Mastercard, plus a $50/year Qantas Rewards fee when earning Qantas Points via the Altitude Qantas program. The AMEX has its own $99 annual fee in the first year, reverting to $199 thereafter. No additional cardholder fee.

7. St. George Amplify Signature Visa with Qantas Points

Sign-up Bonus: Apply online for the Amplify Signature with Qantas Points card by February 12 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 when applying online.

8. Westpac Altitude Black Mastercard

Sign-up Bonus: Separate to the Altitude Black Bundle offer above, Westpac's Altitude Black Mastercard is also available as a standalone product (without the AMEX), and right now, comes with 80,000 bonus Qantas Points for eligible new customers who apply by March 31 2020 and spend $4,000 on purchases within 90 days of card approval.

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.

9. American Express Westpac Altitude Platinum Bundle

Sign-up Bonus: Splitting your bonus points into two distinct servings, new customers could first earn 60,000 bonus Qantas Points when applying for the American Express Westpac Altitude Platinum Bundle by March 31 2020 and spending $3,000 on eligible purchases within 90 days of card approval using the Altitude Platinum Mastercard (issued and serviced by Westpac).

In addition, you could earn 15,000 bonus Qantas Points after spending $3,000 on eligible purchases within 90 days of card approval using the using the American Express Westpac Altitude Platinum Card (issued and serviced by American Express), for a grand total of up to 75,000 bonus Qantas Points, as one card application (lodged by March 31 2020) can cover both the American Express card and the Mastercard.

Rewards: Using the American Express Westpac Altitude Platinum Card, cardholders can earn 1 Qantas Point per $1 spent on most purchases in Australia, except for government spend which earns 0.5/$1, and purchases made directly with Qantas, giving 2/$1. All international transactions instead earn 1.5 Qantas Points per $1 spent.

On the Westpac Altitude Platinum Mastercard, there's instead a flat earn rate of 0.5 Qantas Points per $1 spent both at home and abroad, excluding government spend in Australia (no points earned), and purchases directly with Qantas in Australia (1.5/$1 earned in total).

Annual Fee: There's a $50/year Qantas Rewards fee to be paid when earning Qantas Points. Westpac's Altitude Platinum Mastercard attracts a $150 annual card fee (including from the first year), although the separate annual fee on the American Express Westpac Altitude Platinum Card is waived in the first year, reverting to $49 thereafter.

10. St.George Amplify Platinum Visa with Qantas Points

Sign-up Bonus: Apply online for the Amplify Platinum with Qantas Points card by February 12 2020 and spend $2,000 on eligible purchases within 90 days of card approval to earn 60,000 bonus Qantas Points.

Rewards: You'll also earn 0.5 Qantas Points per $1 spent on everyday purchases.

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

This same bonus points offer, annual fee and earning rate combination 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 when applying online.

11. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by March 31 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.

12. Qantas American Express Ultimate Card

Sign-up Bonus: Apply for the Qantas AMEX Ultimate Card as a new AMEX card member and spend $3,000 on purchases within the first three months to earn 55,000 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.

13. 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.

ANZ disclaimer: To apply for this credit card, you must:
-Be 18 years of age or over, and;
-Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa.

ANZ disclaimer: New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee of $295).

14. 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.

15. Qantas American Express Premium Card

Sign-up Bonus: New AMEX card members who apply for the Qantas AMEX Premium Card and spend $3,000 on purchases within the first three months can earn an easy 30,000 bonus Qantas Points.

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

Annual Fee: $249, with no additional cardholder fees, two Qantas Club lounge passes every year, and more.

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 and sign-up incentives such as statement credits are considered in determining rank.

Ranking updates

ANZ's Frequent Flyer Black card climbs to rank #3 this month with the launch of a new deal promising 120,000 bonus Qantas Points and $275 back as a statement credit for eligible new customers. Its Frequent Flyer Platinum card also increases its cashback offer to $195 for eligible new customers, alongside 50,000 bonus Qantas Points.

Moving in the opposite direction, American Express' Qantas Ultimate Card slides to rank #12 this month with its previous offer of 120,000 bonus Qantas Points reduced to 55,000 Qantas Points, with other cards increasing in rank by one place as a result of the change.

Macquarie Bank has also halved the number of bonus points available on its Qantas-earning credit cards, causing the Macquarie Black card to depart from these ranks as of December 2019.

In its place at rank #15, the Qantas AMEX Premium Card with its offer of 30,000 bonus Qantas Points. While the NAB Qantas Rewards Premium Card also offers 30,000 bonus Qantas Points, the AMEX card has a higher ongoing earn rate and two Qantas Club lounge passes every year at practically the same annual fee.

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 the amount the cardholder spends.

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, bonus status credits, 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

Citi Signature Qantas Card

Up to 150,000

0.5

$49 (1st year)
$444 (ongoing)

Earn extra points on certain transactions

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

Qantas Premier Platinum

Up to 120,000

1 (0.5 above $10,000/month)

$199 (1st year)
$299 (ongoing)

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

NAB Qantas Signature

Up to 120,000

1 (0.5 above $5,001, 0 above $20,000)

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

No additional cardholder fee, insurance cover

American Express Westpac Altitude Black Bundle (with Altitude Qantas)

Up to 100,000

0.75 (Mastercard)
1.25 (AMEX)

MC: $250
AMEX: $99/$199
Qantas Rewards fee: $50

Two Qantas Club lounge passes plus two AMEX Lounge visits per year

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

Westpac Altitude Black Mastercard (with Altitude Qantas)

80,000

0.75

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

Uncapped and untiered points earning, Qantas lounge passes

American Express Westpac Altitude Platinum Bundle (with Altitude Qantas)

Up to 75,000

0.5 (Mastercard)
1.0 (AMEX)

MC: $150
AMEX: $0/$49
Qantas Rewards fee: $50

Travel insurance, no additional cardholder fee or points capping

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

Qantas AMEX Ultimate

120,000

1.25

$450

$450 Qantas Travel Credit, AMEX & Qantas lounge passes

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.

Qantas AMEX Premium

30,000

1

$249

Earn 1 bonus point per $1 spent 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.

Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

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!