The Ultimate Australian Credit Card Points Transfer Matrix

The AFF Credit Card Points Transfer Assistant

Credit cards are one of the easiest ways to earn frequent flyer points in Australia. While some credit cards earn Qantas or Velocity points directly, other cards allow you to earn points with the bank’s own credit card rewards program. You can then transfer these points onwards to an airline frequent flyer program as required.

There are many advantages to earning flexible credit card rewards points. For example, you’re not locked to using one specific frequent flyer program. This may or may not be the best option for a given award flight redemption. There is also less risk of your points expiring unused.

Each Australian credit card rewards program has its own mix of airline transfer partners. The rate at which you can convert your points also varies. For easy comparisons, we created a matrix below. You can view exactly which airlines partner with each Australian credit card provider and the rate at which you can transfer points!

Keep in mind that the below chart only shows you the conversion ratio from the bank’s own loyalty program to the target frequent flyer program. It doesn’t take into account the number of points you’ll earn per dollar spent with any particular credit card.

Note that many banks offer the option to either opt-in to earn Qantas Frequent Flyer points or points with the bank’s own rewards program – but not both. In general, you cannot transfer points from a credit card loyalty program to Qantas Frequent Flyer. The only exception in Australia is if you have an American Express Platinum or Centurion charge card that earns Membership Rewards Ascent Premium points.

The American Express Platinum Card

American Express Platinum Card
Earn
2.25

American Express Membership Rewards (Ascent Premium) Points on everyday purchases

Signup Bonus

200,000 bonus Membership Rewards points

Apply by 09th Apr 2024

Annual Fee
$1,450 p.a.
Read the guide

Australian credit card points transfer matrix

Without any further ado, here’s our Australian credit card points transfer matrix. The most recent update was in February 2024. You can click on the image below to view a larger version:

AFF's Australian Credit Card Points Transfer Matrix as of February 2024.
Credit card matrix footnotes
  • *You can only transfer Amex Membership Rewards points earned with the Amex Platinum & Centurion cards to Qantas Frequent Flyer.

  • ***Points earned with a CommBank Awards credit card (the lowest level of CommBank Awards card) can be transferred to Velocity Frequent Flyer at a 2.5:1 rate. Please also note that CommBank Awards may change its other points transfer partners and/or conversion rates at any time.

  • Citi Rewards points earned with a Citi Rewards, Citi Classic or Citi Gold card transfer to Virgin Australia Velocity at a 2.5:1 rate.

  • HSBC Rewards Plus points can only be transferred to KrisFlyer or Cathay if earned on a Premier card.

For more information about transferring Australian credit card reward points, check out the AFF Credit Card Points Transfer Assistant.

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The editor of Australian Frequent Flyer, Matt's passion for travel has taken him to over 70 countries… with the help of frequent flyer points, of course!
Matt's favourite destinations (so far) are Germany, Brazil & Kazakhstan. His interests include economics, aviation & foreign languages, and he has a soft spot for good food and red wine.

You can connect with Matt by posting on the Australian Frequent Flyer community forum and tagging @AFF Editor.
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