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Qantas Points with Afterpay

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While you can double dip by paying with Afterpay + paying off Afterpay using your credit card, if you have a QFF direct earn card, I've found that most offer 1 additional point per dollar when paying for Qantas services. This means there's no real advantage to using Afterpay (except the 500pt sign up bonus).
You can't use Afterpay for to pay for Qantas flights anyway so this wouldn't apply.

You can use Afterpay with Jetstar, but most of the cards you refer to don't offer the extra points on Jetstar spend, only Qantas.

The 'double dipping' referred to here is normal everyday purchases where you would just be using your normal credit card, but where Afterpay is accepted. Allowing you to earn 1 point per dollar on the Afterpay transaction itself, then x amounts of points per dollar when you use your points earning CC to pay off the Afterpay balance.
 

encryptededdy

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You can't use Afterpay for to pay for Qantas flights anyway so this wouldn't apply.

You can use Afterpay with Jetstar, but most of the cards you refer to don't offer the extra points on Jetstar, just Qantas bookings.

The 'double dipping' referred to here is referring to normal everyday purchases where you would just be using your normal credit card, but where Afterpay is accepted. Allowing you to earn 1 point per dollar on the Afterpay transaction itself, then x amounts of points per dollar when you use your points earning CC to pay off the Afterpay balance.
Oops, I completely misread OP.
 
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I was under the impression that merchants are not allowed to pass on the cost from Afterpay.
Not sure what the Afterpay terms are for merchants around this but Jetstar are pretty open about it. They charge a 1.5% fee.

From https://www.jetstar.com/au/en/afterpay

"If you choose to use Afterpay for your Jetstar Flights booked online at Jetstar.com, a 1.5% payment fee will apply at the time of making the booking, but payments are interest-free."
 

serfty

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If you have already used Afterpay it is not so lucrative:

How Australian customers can earn Qantas Points with Afterpay:

New to Afterpay:
Earn 500 Qantas Points for joining and adding your Qantas Frequent Flyer membership number to your Afterpay account and earn 1 Qantas Point per $1 spent, up to a total of 5,000 Qantas Points.

Already shopped with Afterpay: Link your Qantas Frequent Flyer membership number to your Afterpay account. Once you’ve spent $1,000 you’ll earn 1 Qantas Point per $1 spent, up to a total of 5,000 Qantas Points. The offer to existing Afterpay customers is limited to the first 50,000 members who link their membership number to their Afterpay account.
 

Diadrat5

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Meanwhile, the 2 founders Anthony Eisen and Nick Molnar of Afterpay are selling $250 MILLION of their shares at the same time as they are asking shareholders to tip in $1 billion in fresh capital. The ACCC and APRA still can't decide within their collective navel gazing whether to classify BNPL as a credit payment system. Combined with QFF, the benefits to the customer is minimal... those of us still trying to get a refund from Qantas should know.
 

gusty

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Looks like the offer is now live as I just linked my QFF to my Afterpay account. May be worth it for new signups.
 
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I had been told these types of services play havoc on credit reporting, so i have always stayed away from them. Does anyone know if its true?
In practice Afterpay does not perform credit checks. However they retain the right to do so in their T&C's so for this reason if it's a concern you may want to avoid on that basis alone.

Their competitor, ZipPay, does actively perform credit checks.

There's a great breakdown of all the services and whether they will impact your credit report here:
 

danoleary55

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Ultimately Afterpay will likely end up with credit checks however the Buy Now Pay Later (BNPL) Sector is really Buy Now Pay Smarter. Many people don't need or shouldn't have a credit card and I think points earn for BNPL is the final frontier in credit cards falling away for the mass over credit cards being more business employee use. However banks won't go away without kicking and screaming about another hit to their profit centre. In reality more people that use credit cards are paying interest, it's a trap that has been able to persist for too long and at a point on BNPL will accelerate the shift away from credit cards I think.
 

pauleg

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In practice Afterpay does not perform credit checks. However they retain the right to do so in their T&C's so for this reason if it's a concern you may want to avoid on that basis alone.

Their competitor, ZipPay, does actively perform credit checks.

There's a great breakdown of all the services and whether they will impact your credit report here:
I think the concern with BNPL is not for the Credit Checks but rather that they appear on your bank statements which are reviewed by prospective lenders. Evidence of inability to defer gratification ;)
 

eastwest101

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Ultimately Afterpay will likely end up with credit checks however the Buy Now Pay Later (BNPL) Sector is really Buy Now Pay Smarter. Many people don't need or shouldn't have a credit card and I think points earn for BNPL is the final frontier in credit cards falling away for the mass over credit cards being more business employee use. However banks won't go away without kicking and screaming about another hit to their profit centre. In reality more people that use credit cards are paying interest, it's a trap that has been able to persist for too long and at a point on BNPL will accelerate the shift away from credit cards I think.
Thats actually a good point to make, if a consumer is paying credit card interest rates (i.e. not paying off the balance before the interest free period) then yes the BNPL may be a better option for them, but when you consider it closely, consumers who can't be organized enough or have poor cash flow planning/budgeting and are paying credit card interest rates, are just as likely be caught out by the periodic 4 even BNPL repayments being dishonoured by having a lack of funds in a bank account and then being hit by the late fees of BNPL (which admittedly probably aren't' as bad as interest rates charged on credit cards).

I wonder what the stats are, out of all the credit card accounts in Australia re: how many cards have the balance paid before interest is due vs how many accounts accumulate interest and become revolving debt ?

Use of BNPL account with a long interest period credit card with a point earning capacity, might be a viable way of double dipping on everyday purchases as well as stretching out repayment terms and smoothing out cashflow for some people who have a stable income and capacity to repay.

If its all about delaying payment as long as humanly possible then I assume the best option is still the instore 24-36 months interest free type finace that you see like at Hervey Norman etc ? The only downside to that is the high interest rates that kick in after the interest free period.
 
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Has the program launched yet? Original article dated July 6 states “later this week”. After reading this thread, I can see that joining and spending using afterpay will earn good extra QF points (as long as you don’t want to return the purchase).
 
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Thank you. Done. Whether I use it is another matter, but who doesn’t like double dipping?
Also if you're shopping at a merchant that is on the Qantas Mall that also accepts Afterpay, you could potentially triple dip!

- x points per dollar for clicking through from Qantas Mall
- 1 point per dollar for paying with Afterpay
- x points per dollar when you make your Afterpay repayments with a points earning CC
 

samh004

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Looks like the offer is now live as I just linked my QFF to my Afterpay account. May be worth it for new signups.
Thank you. Done. Whether I use it is another matter, but who doesn’t like double dipping?
Exactly my thoughts when I signed up, linked and made an eBay purchase last night that I could have easily put on my AMEX.
Also if you're shopping at a merchant that is on the Qantas Mall that also accepts Afterpay, you could potentially triple dip!

- x points per dollar for clicking through from Qantas Mall
- 1 point per dollar for paying with Afterpay
- x points per dollar when you make your Afterpay repayments with a points earning CC
Wish I'd thought of this before clicking buy... oh well, the double dip will be good enough.

Will continue to evaluate its usefulness in the future, but chances are high I'll stick with my credit cards I think.
 

Hoffsare

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Also if you're shopping at a merchant that is on the Qantas Mall that also accepts Afterpay, you could potentially triple dip!

- x points per dollar for clicking through from Qantas Mall
- 1 point per dollar for paying with Afterpay
- x points per dollar when you make your Afterpay repayments with a points earning CC
Yep, I did a purchase with Catch today. 3 point per dollar for them and 1 per dollar for both afterpay and CC.

5 points per dollar is a nice multiplier at no cost.
 

Nathant123

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So for existing customers you only earn points from $1001 onwards but does it take into consideration previous transactions prior to linking the QF account or only on $1000 spent after linking? I'm an existing customer apparently and don't even remember using it. Don't even have a transaction history!
 

anchew

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So for existing customers you only earn points from $1001 onwards but does it take into consideration previous transactions prior to linking the QF account or only on $1000 spent after linking? I'm an existing customer apparently and don't even remember using it. Don't even have a transaction history!
You may still be considered a new customer:

" #New to Afterpay: Individuals who sign up for the Afterpay Service or have previously signed up for the Afterpay Service but not made a purchase using the Afterpay Service in the twelve months prior to 8 July 2020 will be eligible to earn 500 bonus Qantas Points. "
Source: Qantas Points Afterpay - Buy Now Pay Later with Afterpay
 

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