The latest offers and best credit cards in Australia to earn points
Turn your everyday purchases into rewards with a credit card that earns points with a frequent flyer program or bank rewards program. Here you’ll find the best credit cards in Australia to earn Qantas points, Velocity points, Amex Membership Rewards points and more. Australian Frequent Flyer showcases a number of the best offers for American Express, Visa and Mastercard credit cards, along with in-depth guides for each card to help you maximise your points and travel benefits.
Note: Australian Frequent Flyer does not show offers across all credit cards in the market, or all rewards-program linked cards. Many of these cards will offer a bonus or commission for us sending you their way – you can read more about the policies on referrals here. Please bear in mind that none of the information here constitutes personal advice that is relevant to your own financial circumstances.
The Qantas Premier Platinum Mastercard has 70,000 bonus Qantas Points on offer for new cardholders, plus an additional 30,000 bonus Qantas Points for those who haven't earned Qantas Points with a credit or charge card in the last 12 months. The card comes with a discounted first-year annual fee, two complimentary airport lounge passes and 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee.
The Qantas American Express Ultimate Card has up to 90,000 bonus Qantas Points on offer for new American Express Card Members. It’s one of the highest-earning Qantas Point cards and comes with a $450 Qantas Travel Credit each year plus a range of premium travel benefits. Eligibility criteria, minimum spend and T&Cs apply. New Card Members only.
The American Express Qantas Business Rewards card has 150,000 bonus Qantas Points plus a $200 credit when you apply and spend $6,000 on eligible purchases on your Card in the first 3 months of the approval date. The card earns Qantas Points on spend and is transferred automatically into the business' Qantas Business Rewards account offering more flexibility for business owners. T&Cs apply. New Card Members only.
With 350,000 Bonus Membership Rewards points on offer for new American Express Card Members who apply by 5 November 2024 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval, the American Express Platinum Business Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits.
The American Express Platinum Card is offering 200,000 bonus Membership Rewards points for new American Express Card Members. It also comes with up to $400 in Global Dining Credit per calendar year and a $450 annual Travel Credit. A great card for those who want to earn Membership Rewards points on everyday spend and transferable to 12 major Airline Rewards Partner Programs.
The American Express Velocity Platinum Card has 60,000 bonus Velocity Points offer for new American Express Card Members, plus several perks including 2 Virgin Australia and 2 The Centurion® Lounge entries each year and a complimentary Virgin Australia domestic economy return flight. Terms, conditions and exclusions apply.
The American Express Platinum Edge Card is offering $0 annual Card Fee (usually $195) in the first year for new Card Members. The card comes with a $200 travel credit each year it is renewed, Smartphone Screen Cover and earns 3 points per $1 at major supermarkets and petrol stations, and 2 points per $1 on overseas spend.
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Qantas Frequent Flyer Credit Cards
It's easy to earn Qantas Frequent Flyer points directly into your account with one of the many Qantas co-branded credit cards available from Australian banks.
The Qantas Premier Platinum Mastercard has 70,000 bonus Qantas Points on offer for new cardholders, plus an additional 30,000 bonus Qantas Points for those who haven't earned Qantas Points with a credit or charge card in the last 12 months. The card comes with a discounted first-year annual fee, two complimentary airport lounge passes and 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee.
The Qantas American Express Ultimate Card has up to 90,000 bonus Qantas Points on offer for new American Express Card Members. It’s one of the highest-earning Qantas Point cards and comes with a $450 Qantas Travel Credit each year plus a range of premium travel benefits. Eligibility criteria, minimum spend and T&Cs apply. New Card Members only.
The American Express Qantas Business Rewards card has 150,000 bonus Qantas Points plus a $200 credit when you apply and spend $6,000 on eligible purchases on your Card in the first 3 months of the approval date. The card earns Qantas Points on spend and is transferred automatically into the business' Qantas Business Rewards account offering more flexibility for business owners. T&Cs apply. New Card Members only.
With 350,000 Bonus Membership Rewards points on offer for new American Express Card Members who apply by 5 November 2024 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval, the American Express Platinum Business Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits.
The American Express Platinum Card is offering 200,000 bonus Membership Rewards points for new American Express Card Members. It also comes with up to $400 in Global Dining Credit per calendar year and a $450 annual Travel Credit. A great card for those who want to earn Membership Rewards points on everyday spend and transferable to 12 major Airline Rewards Partner Programs.
The Qantas Premier Titanium Mastercard has 150,000 bonus Qantas Points plus a $400 Qantas Luxury Holidays voucher on offer for new cardholders, includes two complimentary Qantas First Class lounge passes per year, discounts on Qantas flights and can help you boost your Qantas status credits.
ANZ is offering up to 130,000 bonus Qantas Points for new cardholders of the ANZ Frequent Flyer Black credit card. Includes $200 back to your new card, two Qantas Club lounge passes, and complimentary insurance.
NAB is offering up to 120,000 bonus Qantas Points and a reduced first-year annual card fee of $295 (save $100) for new cardholders of the NAB Qantas Rewards Signature Visa. The card earns 1 Qantas Point per $1 up to $5,000 per statement period, and 0.5 Qantas Point per $1 thereafter, up to $20,000.
ANZ is offering 75,000 bonus Qantas Points plus $100 back for new cardholders of the ANZ Frequent Flyer Platinum credit card. New Frequent Flyer card. T&Cs, eligibility criteria, fees & charges apply.
NAB is offering 70,000 bonus Qantas Points plus a reduced first year annual fee for new cardholders of the NAB Qantas Rewards Premium Visa. It comes with complimentary insurances and earns 1 Qantas Point per $1.50 spent up to $3,000 per statement period, and 1 Qantas Point per $3 thereafter, up to $6,000.
The Qantas American Express Premium Card has 20,000 bonus Qantas Points on offer for new American Express Card Members who apply online, are approved, and spend $3,000 on your new Card within the first 3 months of approval date. The card comes with 2 Qantas Club invitations each Card Member year and earns up to 2 Qantas Points per $ on eligible purchases.
The Qantas Premier Everyday Mastercard is offering new cardholders 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases within the first 4 months from approval, for a total of up to 8,000 bonus Qantas Points. It comes with complimentary travel insurance and earns additional points on spend with Qantas.
The Qantas American Express Discovery is a great value entry-level Qantas card, with $0 Annual Fee, and offers an earn rate of up to 1.75 Qantas Points per $1 on spend.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
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Velocity Frequent Flyer Credit Cards
The loyalty program of Virgin Australia, Velocity Frequent Flyer partners with almost all the major Australian banks. You can earn Velocity rewards points directly with a co-branded credit card, or transfer points into Velocity Frequent Flyer from the bank's own points scheme including Amex Membership Rewards and ANZ Rewards.
The American Express Velocity Business Card is offering 100,000 bonus Velocity Points for new American Express Card Members who apply by 27 August 2024. The card has no pre-set spending limit and offers business owners and sole traders up to 2 Velocity Points per dollar on purchases within Australia.
The NAB Rewards Platinum Card is offering up to 80,000 Velocity Points (auto-converted from 160,000 NAB Rewards Points) and a reduced first-year annual fee for new cardholders. * NAB Rewards allows you to earn flexible points on eligible spend, and offers bonus points at eligible grocery stores and purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.
The American Express Velocity Platinum Card has 60,000 bonus Velocity Points offer for new American Express Card Members, plus several perks including 2 Virgin Australia and 2 The Centurion® Lounge entries each year and a complimentary Virgin Australia domestic economy return flight. Terms, conditions and exclusions apply.
The American Express Velocity Escape is an entry-level card aimed at budget-conscious points-hunters with $0 Annual Fee and earns 0.75 Velocity Points per $ spent.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
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AMEX Membership Rewards Credit Cards
American Express Membership Rewards points are a popular currency for frequent flyers because these points can be transferred into many useful airline frequent flyer and hotel loyalty programs, including Velocity, KrisFlyer, Etihad Guest and Marriott Bonvoy.
With 350,000 Bonus Membership Rewards points on offer for new American Express Card Members who apply by 5 November 2024 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval, the American Express Platinum Business Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits.
The American Express Platinum Card is offering 200,000 bonus Membership Rewards points for new American Express Card Members. It also comes with up to $400 in Global Dining Credit per calendar year and a $450 annual Travel Credit. A great card for those who want to earn Membership Rewards points on everyday spend and transferable to 12 major Airline Rewards Partner Programs.
The American Express Essential Rewards Card is offering up to 80,000 bonus Membership Rewards points for new Card Members who apply by 17 September 2024. The card earns up to 5 points per $1 spent for the first 10,000 points per month and has a range of insurance options for consumers, all for $9 per month.
American Express is offering 50,000 bonus Membership Rewards Points for new American Express Card Members who apply for the Explorer Card. Includes $400 Travel Credit each year as a regular benefit, plus free access to The Centurion® Lounge at Sydney and Melbourne airports along with a range of insurances and high points earn rates on spend.
American Express is offering $0 Annual Card Fee (usually $149) in the first year for new American Express Card Members who apply for the Business Explorer Credit Card until 20 August 2024. Benefits of this card include complimentary American Express lounge access plus a range of insurances and high points earn rates on spend.
The American Express Platinum Edge Card is offering $0 annual Card Fee (usually $195) in the first year for new Card Members. The card comes with a $200 travel credit each year it is renewed, Smartphone Screen Cover and earns 3 points per $1 at major supermarkets and petrol stations, and 2 points per $1 on overseas spend.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
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Business Credit Cards
A business credit card could allow your business to earn points on business and employee expenses, as well as providing access to other exclusive benefits.
The American Express Qantas Business Rewards card has 150,000 bonus Qantas Points plus a $200 credit when you apply and spend $6,000 on eligible purchases on your Card in the first 3 months of the approval date. The card earns Qantas Points on spend and is transferred automatically into the business' Qantas Business Rewards account offering more flexibility for business owners. T&Cs apply. New Card Members only.
With 350,000 Bonus Membership Rewards points on offer for new American Express Card Members who apply by 5 November 2024 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval, the American Express Platinum Business Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits.
The American Express Velocity Business Card is offering 100,000 bonus Velocity Points for new American Express Card Members who apply by 27 August 2024. The card has no pre-set spending limit and offers business owners and sole traders up to 2 Velocity Points per dollar on purchases within Australia.
American Express is offering $0 Annual Card Fee (usually $149) in the first year for new American Express Card Members who apply for the Business Explorer Credit Card until 20 August 2024. Benefits of this card include complimentary American Express lounge access plus a range of insurances and high points earn rates on spend.
St.George is offering 150,000 Amplify Rewards Points (equivalent to 75,000 Velocity Points or up to $675 in eGift cards) plus a reduced first-year annual fee for new cardholders of the Amplify Rewards Signature Card. Includes two complimentary airport lounge passes per year and you can also receive a 10% bonus reward of the points you earned for the previous year on your birthday.
The St.George Amplify Rewards Platinum Card has 100,000 bonus Amplify Points (can get you up to $450 in eGift cards) and a reduced first year annual card fee of $49 p.a. on offer for new cardholders, along with a range of complimentary insurances.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
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NAB-membership-rewards
NAB Rewards Credit Cards
Earn NAB Rewards Points, which can be converted to Velocity points, Singapore Airlines KrisFlyer miles, Asia Miles, Air NZ Airpoints or Flybuys points.
NAB is offering up to 180,000 bonus Rewards Points with the NAB Rewards Signature Card. NAB Rewards Points can be transferred to Velocity at a 2:1 ratio, Cathay miles or KrisFlyer miles at a 3:1 ratio, Flybuys at a 1:1 ratio and Air NZ Airpoints at a 200:1 ratio. The card has no international transaction fees on all eligible purchases and comes with a Delayed Flight Lounge Pass that gives you complimentary access to an airport lounge at selected locations in the event of a 60 minute or more delay to your domestic or international flight.
ANZ is offering 180,000 extra ANZ Reward Points (can get $800 in gift cards) plus $150 back to your new card for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.
Get rewarded with 100,000 extra ANZ Rewards Points and $50 back to your new card when you apply for the ANZ Rewards Platinum Card and spend $2,000 on eligible purchases in the first 3 months from approval. Features of this card include flexible points on spend, complimentary insurance, as well as Apple Pay and Google Pay support.
Fast track your way to Star Alliance Gold Status when you apply for the HSBC Star Alliance Credit Card and spend $4,000 or more on eligible purchases in the first 90 days from account opening. Includes $0 annual fee in the first year ($450 p.a. thereafter) and uncapped Star Alliance points earn on spend. Fee, charges and T&C's apply. Offer may end anytime.
