Compare Qantas Points Credit Cards

Points on these cards credit to a Qantas Frequent Flyer account, either directly or by transfer from the bank's own program, so you need a membership number ready to link. Earn rates are usually tiered, with a higher rate up to a monthly spend cap and a lower one above it, and government payments, BPAY and cash advances typically earn nothing. Purchase rates here start at 18.95% p.a. with BankVic's Qantas Credit Card.

Rates checked against every provider’s own published data on 19 Oct 2026

Last updated 19 Oct 2026 · Who wrote this

Written by Joshua PevyReviewed by Jordan PearceLast updated 19 Oct 2026How We Rank This PageEditorial StandardsOur Writers

Comparing 15 products

		Actions
BankVic	Purchase rate18.95%	Compare BankVic Qantas Credit Card	Intro 9.96% for 6 monthsFeatures: Rewards	For Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union members
NAB	Purchase rate19.50%	Compare NAB NAB Qantas Business Signature Card	Business onlyFeatures: Rewards	Get more from your business credit card purchases. Maximise your Qantas Points.
Bankwest	Purchase rate19.99%	Compare Bankwest Bankwest Qantas Platinum Mastercard	Intro 2.99% for 9 months on balance transfersFeatures: Rewards	A credit card for earning unlimited Qantas Points.
Bankwest	Purchase rate19.99%	Compare Bankwest Bankwest Qantas World Mastercard	Intro 2.99% for 9 months on balance transfersFeatures: Rewards	A credit card for earning unlimited Qantas Points.
Bendigo Bank	Purchase rate19.99%	Compare Bendigo Bank Qantas Business Credit Card	Business onlyFeatures: Rewards	With one of the lowest annual fees in the market, and a range of insurances, the Qantas Business Credit Card will help your points soar. You will also receive up to 55 days interest free on purchases.
Bendigo Bank	Purchase rate19.99%	Compare Bendigo Bank Qantas Platinum Credit Card	Features: Rewards	With one of the lowest annual fees in the market, and a competitive interest rate, make every day purchases using your Qantas Platinum Credit Card and watch your points soar. Plus, you will also…
ANZ	Purchase rate20.24%	Compare ANZ ANZ Qantas Business Rewards	Business onlyFeatures: Rewards	A credit card facility for businesses where you can earn Qantas points on eligible transactions and receive complimentary domestic and international travel insurance
Qantas Money Credit Cards	Purchase rate20.99%	Compare Qantas Money Credit Cards Qantas Money Everyday Credit Card	Features: Rewards	The Product is a low annual fee rewards credit card that provides Individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to…
Qantas Money Credit Cards	Purchase rate20.99%	Compare Qantas Money Credit Cards Qantas Money Platinum Credit Card	Features: Rewards	The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to ancillary Qantas benefits…
Qantas Money Credit Cards	Purchase rate20.99%	Compare Qantas Money Credit Cards Qantas Money Titanium Credit Card	Features: Rewards	The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to ancillary Qantas benefits…
MyCard	Purchase rate22.49%	Compare MyCard MyCard Premier Qantas	Features: Rewards	The Product is a premium rewards credit card that provides individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to ancillary…
NAB	Purchase rate22.49%	Compare NAB NAB Qantas Rewards Premium Card	Intro 0% for 12 months on balance transfersFeatures: Rewards	Earn Qantas Points and enjoy platinum services and complimentary insurances
NAB	Purchase rate22.49%	Compare NAB NAB Qantas Rewards Signature Card	Intro 0% for 12 months on balance transfersFeatures: Rewards	The Qantas Rewards Signature card gives customers the opportunity to be rewarded for the purchases they make by earning Qantas Frequent Flyer points at the fastest rate. Includes Signature benefits…
Bank of Melbourne	Purchase rate23.98%	Compare Bank of Melbourne Amplify Qantas Platinum	Features: Rewards	Our mid-tier credit card for Qantas point lovers
Bank of Melbourne	Purchase rate23.98%	Compare Bank of Melbourne Amplify Qantas Signature	Features: Rewards	Our top-tier credit card for Qantas point lovers

Rates and fees are sourced from each provider’s CDR Product Reference Data where the provider publishes it.

Important information

About this table: we publish this table so you can research credit products, by bringing together in one place the banking data lenders publish under the Consumer Data Right. Using that data, we have tried to show products that match this table’s title. This table does not compare all products, and there may be products with a lower rate in the market that are not shown here. Do your own research to find a product that suits your needs and financial goals. See how we choose products for tables like this.

Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.

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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

This table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.

This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.

What to compare on

Qantas sign-up bonus
The bonus points on offer and the spend needed to earn them.
Qantas earn rate
Qantas Points earned per dollar on everyday spending.
Low-fee Qantas cards
Earns Qantas Points with a smaller annual fee.

Earning Qantas Points with a credit card

A Qantas Points credit card earns points into the Qantas Frequent Flyer program on your everyday spending, either directly or through a bank program that transfers to Qantas. For Qantas flyers, that can turn routine spending into flights, upgrades and other rewards.

Qantas cards often advertise a large sign-up bonus for meeting a minimum spend in the first few months. The ongoing earn rate, the points per dollar and any bonus categories are what determine the points earned beyond the first year.

Annual fees and points caps

Higher-earning Qantas cards usually carry higher annual fees and may apply monthly points caps. The fee and any cap sit against the points realistically earned and the value of a Qantas flight to the cardholder. Carrying a balance erodes the benefit quickly.

How Qantas points cards compare

The sign-up bonus, ongoing earn rate, annual fee and points caps are the four figures that separate them. Cards can be compared side by side, alongside Velocity points cards and the credit cards hub.

Expert view

“A six-figure sign-up bonus is only worth what a Qantas Point is worth to the person earning it. After year one, the earn rate, the annual fee and any monthly cap are what remain, and none of it counts for anything when a balance is carried.”

Jordan Pearce

Senior finance writer, CompareThat

Glossary

The key terms you’ll meet when comparing these products, reading product disclosures or talking to a provider.

Term	What it means
Annual fee	The yearly fee for holding the card, sometimes waived in the first year or reduced for higher spend.
Balance transfer	Moving debt from one card to another, often at a low or 0% introductory rate for a set period.
Earn rate	How many reward points you earn per dollar spent, which can vary by spend category.
Foreign transaction fee	A fee, often around 3%, on purchases made overseas or in a foreign currency.
Interest-free days	A period (often up to 44 or 55 days) where purchases attract no interest, provided you pay the closing balance in full.
Minimum repayment	The smallest amount you must pay each statement period to keep the account in order; paying only this means interest accrues.
Points cap	A limit on points earned at the standard rate within a period, after which earning may reduce or stop.
Purchase rate	The interest rate charged on purchases that aren’t paid off by the due date.
Qantas Frequent Flyer	Qantas’s loyalty program, where Qantas Points are earned and redeemed for flights, upgrades and rewards.
Rewards points	Points earned on spending that can be redeemed for flights, gift cards, cashback or merchandise.
Sign-up bonus	A one-off batch of bonus Qantas Points for opening a card and meeting a minimum spend within a set time.

Common questions

How do I earn Qantas Points with a credit card?

Either with a card that earns directly into Qantas Frequent Flyer, or with a bank rewards card whose points you transfer to Qantas. Both earn on your everyday spending.

How much are Qantas card sign-up bonuses worth?

A large bonus can be valuable if you’ll meet the minimum spend without overspending and pay the balance in full. The ongoing earn rate decides the value beyond year one.

Why do Qantas cards charge high annual fees?

Higher-earning cards bundle faster earn rates and perks, funded by a higher fee. Whether it’s worth it depends on your spend and how you value Qantas Points.

Is there a cap on Qantas Points earning?

Some cards cap points earned at the standard rate each month. Above the cap the earn rate may drop, which matters most for high spenders.

Do Qantas Points expire?

Qantas Points expire after 18 consecutive months with no eligible earning or redeeming activity on the account. Any eligible earn or redemption resets the 18 months; transfers between family members do not count. The current program terms set out the detail.

The Numbers Behind This Market

What this market is paying or charging on average right now, and the official figures behind it.

Why you can trust CompareThat

We are not a lender, broker or bank. Product data comes straight from each provider’s own Consumer Data Right feed (Australia’s official open banking system) and is refreshed daily, so what you see reflects published rates and fees, not a sales pitch.

Not a credit provider: we do not lend, arrange loans or take applications.
Sourced from each provider’s CDR Product Reference Data, refreshed daily.
Payment can change where a product appears, never which products we show.
General information, not credit advice. CompareThat compares; it does not recommend.

Rates and fees are sourced from each provider’s CDR Product Reference Data as of the date shown. They are general information only. Not credit advice. CompareThat is not a credit provider. Payment can change where a product appears, never which products we show.