Air Miles Credit Cards

Information verified correct on October 1st, 2016
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Air Miles credit cards are ideal for anyone who is a frequent traveller.

Let’s face it, most of us enjoy the finer things in life, and we all like to be rewarded in some way for the way we conduct ourselves day to day. Savvy credit card companies noticed this, and came out with a range of products that reward it’s members with air miles, exclusive club access, free gifts and access to a wide range of merchandise. These clever little super powers of the card world are the air miles credit cards.

All members have to do to access these rewards is spend money on their account. The great thing with these cards is that you do not need to be buying air tickets to earn your points. Normal day to day spending counts too, so whether you are filling the car up with petrol or going to a theatre you still earn points.

How air miles credit cards work

The points you earn per dollar spent will vary greatly, depending on which air miles credit cards you hold. In the same way, what you are able to redeem your points on will vary from card to card, although the principles are basically the same.

What you will often find with these kind of cards is that they can come with a fairly hefty annual fee. This is almost the equivalent of a membership fee, so you need to be spending enough on the card in order to earn enough points, or air miles to make having the card and paying the annual fee worth your while. As this type of card requires you to spend a large sum of money, it is really only suitable for consumers who are able to pay off their monthly debt in full. If you do not then you will end up paying interest, which will in theory void any rewards you may have earned.

Generally air miles credit cards will be offered to people on higher salaries, and therefore will not be suitable for the average consumer. If you are the type that is prone to overspending on your credit card or spending beyond their means then I would avoid these kinds of offers.

If however you are a regular payer, do a large amount of world travel, and enjoy the perks of exclusive memberships, then air miles and reward credit cards will be just what you are looking for. There are tons of offers around and with every lender scrapping for our business, there has never been a better time to net yourself a great deal on one of these credit cards.

Frequent Flyer Credit Cards Comparison

Rates last updated October 1st, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 $195 p.a. Go to site More info
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 $95 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
20,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 $249 p.a. Go to site More info
ANZ Rewards Travel Adventures card
ANZ Rewards Travel Adventures card
1 2 $225 p.a. Go to site More info

Earn air miles

There is the reassurance that each and every time that you use your rewards credit card towards the purchase of your airline flight, you will earn air miles. As your air miles accumulate, you have the option to use them for things such as additional airplane tickets, upgrades from coach to business class, or extra boarding privileges.

For the busy traveller that spends a lot of time on the road travelling for either business or pleasure, airline credit card rewards are very good benefits to have. For the business traveller, these earned rewards makes the missed time spend from home a little bit more tolerable. They generally improve the conditions that you normally would have had to endure if you did not have them. For the traveller who is on vacation, airline credit card rewards make a wonderful trip even more enjoyable.

But, how does this apply to the person who does not travel the globe for pleasure or business? How does this type of credit card benefit this type of person? Contrary to belief, you do not have to fly all over the world in order to accumulate airline miles. Although in the beginning, this was how the airlines first got people to fly a particular airline, this is not the only way in which you can accumulate and earn airline miles. The following are just a few of the alternatives.

Points

Many rewards cards have a built in point system set in place. The cards which are usually Visa, MasterCard, or American Express can be used at many different places that accept these particular cards. Whenever you make a purchase, you gain points which are applied towards airline miles.

Depending on the credit card company, you will be awarded points for every dollar you spend. For example, if you were to spend 1 dollar, you might earn 1 point towards airline miles. Or, you might be able to find a credit card company that is willing to award 2 points for every dollar that you spend. So, it is really within your best interest to time your time during the credit card comparison phase and find the credit card that awards the most benefit.

Purchases

Earning points is a wonderful way to earn and accumulate airline miles; however, this will not happen if you do not use your card. Hence, the name, you will be rewarded for the more times that you use your card. This means that it would be a wise decision to use your card for everyday purchases that you would normally make anyway. Use it for groceries, gas, clothing, restaurant purchases, car rentals, or hotels. All in all, the more you use your card, the more air miles you will earn.

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Credit Cards Comparison

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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