Best credit card for points in Australia right now? (Newbie question)

vardan22

Junior Member
Joined
Jan 26, 2026
Posts
10
Hi everyone 👋


I’m pretty new to the points game and recently started learning more about credit cards and frequent flyer programs.


I wanted to ask the experts here — what’s the best credit card in Australia right now for earning points (and welcome bonus), especially for people who want to maximise Qantas / Velocity / travel rewards?


A few things I’m curious about:


  • Which cards give the best value welcome bonus currently?
  • Which cards are best for everyday spending (groceries, bills, etc.)?
  • Any cards that are good for airport lounge access / travel perks?
  • Any tips for beginners to avoid common mistakes?

Would really appreciate any guidance from the gurus here 🙏
Thanks in advance!
 
Hi everyone 👋


I’m pretty new to the points game and recently started learning more about credit cards and frequent flyer programs.


I wanted to ask the experts here — what’s the best credit card in Australia right now for earning points (and welcome bonus), especially for people who want to maximise Qantas / Velocity / travel rewards?


A few things I’m curious about:


  • Which cards give the best value welcome bonus currently?
  • Which cards are best for everyday spending (groceries, bills, etc.)?
  • Any cards that are good for airport lounge access / travel perks?
  • Any tips for beginners to avoid common mistakes?

Would really appreciate any guidance from the gurus here 🙏
Thanks in advance!
You really do have some reading to do.....

 
There is no single answer, it depends on your spend habits, appetite for an annual fee and your income/ credit rating.
I find a good starting point to check current offers is finder.com.au (desktop version is better) or if you just want to look at Qantas
Financial Services - Earn Qantas Points | Qantas Frequent Flyer › Finder may not have all offers and beware they like to apply their filter to only list offers they get a kickback from, but this can be removed.
 
Read our AFF credit card guides and start earning more points now.

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Hi everyone 👋


I’m pretty new to the points game and recently started learning more about credit cards and frequent flyer programs.


I wanted to ask the experts here — what’s the best credit card in Australia right now for earning points (and welcome bonus), especially for people who want to maximise Qantas / Velocity / travel rewards?


A few things I’m curious about:


  • Which cards give the best value welcome bonus currently?
  • Which cards are best for everyday spending (groceries, bills, etc.)?
  • Any cards that are good for airport lounge access / travel perks?
  • Any tips for beginners to avoid common mistakes?

Would really appreciate any guidance from the gurus here 🙏
Thanks in advance!
Do some research, things don't turn up on a platter.

Ah the youth!! Let someone else do the work.
 

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