Frequent Flyer Credit Cards

Want to redeem flights, accommodation and more rewards? Compare frequent flyer credit cards and get to your next destination faster.

Frequent flyer credit cards let you earn points for every $1 spent to help you redeem flights and rewards sooner. Enjoy a range of additional features including complimentary travel insurance, bonus points offers, airline lounge access and promotional interest rates.

This guide goes through everything you need to know to do exactly that, including how they work, tips for earning and using points, comparing frequent flyer credit cards and insights that will help you choose the right card for you.

Sponsorship-ANZ Frequent Flyer Plat-FF-PE-3190

Frequent Flyer Credit Card Offer

Earn Qantas Points with the ANZ Frequent Flyer Platinum Card for every $1 spent on eligible purchases.

  • Receive 50,000 Qantas Points when you make an eligible purchase within the first 3 months of card approval using your ANZ Frequent Flyer Platinum credit card
  • Earn up to 1.5 Qantas Points for every $1 spent on eligible purchases using the ANZ Frequent Flyer Platinum American Express® card and 0.5 Qantas Point per $1 spent on eligible purchases using ANZ Frequent Flyer Platinum Visa card
  • Offer available to new and approved applicants

    Compare Frequent Flyer Credit Cards

    Rates last updated September 29th, 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
    70,000 bonus points 1 0 $99 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
    Citi Qantas Prestige Credit Card
    Citi Qantas Prestige Credit Card
    70,000 bonus points 1 $350 p.a. annual fee for the first year ($700 p.a. thereafter) 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
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $425 p.a. Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    50,000 bonus points 0 1 $450 p.a. Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    Citi Rewards Credit Card - Signature
    Citi Rewards Credit Card - Signature
    75,000 bonus points 1.5 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info

    Qantas Rewards Program

    Rates last updated September 29th, 2016.

    ANZ Frequent Flyer Black

    Removed annual fee waiver and minimum spend requirement for bonus points offer.

    June 15th, 2016

    Citi Qantas Prestige Credit Card

    70,000 bonus Qantas Points plus 0% p.a. for 6 mos. on balance transfers will end on 30 Sep 2016.

    August 17th, 2016

    American Express Qantas Discovery Card

    7,500 bonus points and 0% p.a. on balance transfers for 12 months

    August 17th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    HSBC Platinum Qantas Credit Card
    HSBC Platinum Qantas Credit Card
    60,000 bonus points 1 0 $199 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Citi Qantas Signature Credit Card
    70,000 bonus points 1 0 $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    Citi Qantas Prestige Credit Card
    Citi Qantas Prestige Credit Card
    70,000 bonus points 1 $350 p.a. annual fee for the first year ($700 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
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    50,000 bonus points 0 1 $450 p.a. Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $425 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    ANZ Frequent Flyer Platinum
    50,000 bonus points 0.5 1.5 $295 p.a. Go to site More info
    American Express David Jones - Qantas Rewards
    American Express David Jones - Qantas Rewards
    22,500 bonus points 0 0.75 $99 p.a. Go to site More info

    Velocity Rewards Program

    Rates last updated September 29th, 2016.

    NAB Velocity Rewards Card

    10k bonus points and 0% p.a. for 15 months on purchases and balance transfers will end on 2 Oct 2016

    August 9th, 2016

    Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Balance transfer offer has been extended until 31 October 2016.

    September 26th, 2016

    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer

    Balance transfer offer has been extended until 31 October 2016.

    September 26th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    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
    NAB Velocity Rewards Card
    NAB Velocity Rewards Card
    10,000 bonus points 0.5 1 $95 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
    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 Velocity Escape Card
    American Express Velocity Escape Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    NAB Velocity Rewards Premium Card
    NAB Velocity Rewards Premium Card
    20,000 bonus points 0.5 1.5 $150 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 Velocity Business Card
    American Express Velocity Business Card
    0 1 $249 p.a. Go to site More info

    Other Rewards Programs

    Rates last updated September 29th, 2016.

    Commonwealth Bank Business Platinum Awards credit card

    First year annual fee waiver has been extended until 31 October 2016.

    September 2nd, 2016

    Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Balance transfer offer has been extended until 31 October 2016.

    September 26th, 2016

    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer

    Balance transfer offer has been extended until 31 October 2016.

    September 26th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    ANZ Rewards Platinum
    ANZ Rewards Platinum
    50,000 bonus points 1 2 $95 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Citi Qantas Signature Credit Card
    70,000 bonus points 1 0 $99 p.a. annual fee for the first year ($395 p.a. thereafter) 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
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card
    1 0 $149 p.a. 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
    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
    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 Velocity Platinum Card
    American Express Velocity Platinum Card
    50,000 bonus points 0 1 $349 p.a. Go to site More info
    American Express Essential Credit Card
    American Express Essential Credit Card
    1 $0 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    ANZ Frequent Flyer Platinum
    50,000 bonus points 0.5 1.5 $295 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
    ANZ Rewards Black Credit Card
    ANZ Rewards Black Credit Card
    75,000 bonus points 1.25 3 $375 p.a. Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $425 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 Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    Citi Rewards Credit Card - Classic Card
    Citi Rewards Credit Card - Classic Card
    1 0 $99 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 Business Black
    ANZ Business Black
    50,000 bonus points 1 $450 p.a. 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
    Citi Rewards Credit Card - Platinum Card
    Citi Rewards Credit Card - Platinum Card
    1.25 0 $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
    Citi Rewards Credit Card - Signature
    Citi Rewards Credit Card - Signature
    75,000 bonus points 1.5 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) 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
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    50,000 bonus points 0 1 $450 p.a. Go to site More info
    American Express Platinum Card
    American Express Platinum Card
    80,000 bonus points 0 1 $1,200 p.a. Go to site More info
    David Jones American Express Platinum Card
    David Jones American Express Platinum Card
    40,000 bonus points 1 $295 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Citi Rewards Platinum Card - Cashback Offer
    1.25 0 $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
    David Jones American Express
    David Jones American Express
    30,000 bonus points 1 $99 p.a. Go to site More info
    Commonwealth Bank Business Platinum Awards credit card
    Commonwealth Bank Business Platinum Awards credit card
    1 3 $0 p.a. annual fee for the first year ($300 p.a. thereafter) Go to site More info

    The finder.com.au best* frequent flyer credit cards

    Compare the features and bonus points and earn rate of frequent flyer cards below.

    Credit CardBonus PointsPoints earnt per $
    ANZ Frequent Flyer Platinum Credit Card50,0001.5
    American Express Explorer Credit Card100,0002
    Bankwest Qantas Platinum MasterCard50,0000.5
    Citi Rewards Credit Card – Signature75,0001.5

    How do you use this table?

    Compare and find a frequent flyer card easily with this table:

    • To receive the most bonus points: use the ‘Bonus Points‘ column to order credit cards in ascending or descending order of bonus points provided
    • To earn the most rewards points per $1 spent: use the Rewards Points per $ spent (VISA/ MC) and Rewards Points per $ spent (AMEX) columns
    • To compare Qantas frequent flyer credit cards: use the ‘Qantas Rewards Program‘ table
    • To compare Velocity frequent flyer credit cards: use the ‘Velocity Rewards Program‘ table
    • To compare other frequent flyer credit cards including Emirates, Singapore Airlines and Jetstar: use the ‘Other Rewards Programs‘ table

    How does a frequent flyer credit card work?

    Frequent flyer credit cards let you earn points when you spend on eligible purchases. These cards have a set earn rate of rewards for every dollar spent (e.g. 1 point per $1). So the more you pay with plastic, the more frequent flyer rewards you can get.

    Depending on the type of reward credit card you use, there are different ways to earn and redeem frequent points, which we explain in detail below.

    How a frequent flyer credit card can benefit you and improve your lifestyle

    Below are some of the most common pros and cons of frequent flyer credit cards to be aware of before you apply. Please keep in mind that these factors may vary depending on the card.

    Benefits for choosing a frequent flyer credit card 

    • Redeem flights and travel upgrades faster. By earning points on your everyday spend you can reach your rewards goals in less time.
    • Large range of rewards. Use your points to redeem rewards including flights, hotels, online shopping and other lifestyle benefits.
    • Increase membership status faster. By earning more points you can reach the next membership tier sooner, giving you access to even more perks and benefits.
    • Travel perks. Travel comfortably with access to airline lounges, 24/7 concierge service and travel insurance.
    • Sign up bonus points. Some banks often provide an amount of bonus points upon sign-up as an added incentive for joining. This is a great way to boost your points balance and redeem for more expensive rewards such as flights and holidays.
    • Complimentary insurance. Save on stand-alone insurance costs and get peace of mind when travelling with complimentary insurance covers including purchase security insurance, travel insurance and interstate flight inconvenience insurance.

    Considerations when choosing a frequent flyer credit card 

    • High interest rates. Frequent flyer interest rates often come with less competitive interest rates than other cards. As such, these cards are best suited to cardholders who pay their balance off each month so that the accumulated interest doesn’t outweigh the value of the rewards.
    • Higher annual fees. As well as high interest rates, these cards often come with higher annual fees than no frills cards. Again, make sure that the value your get from your rewards is more than the annual fee to ensure that you’re benefiting from the card.
    • Temptation to spend. If you need to consolidate a debt or struggle to repay your credit card on time, a rewards card might tempt you to spend for the sake of points when really you should be reigning in your purchases.

    Types of Frequent Flyer Credit Cards on the market

    How to compare and find the best* Frequent Flyer Credit Card for your needs

    The wide range of frequent flyer credit cards on the market gives you a chance to compare options and find one that suits your individual goals and circumstances. Below you’ll find a checklist of the different factors you should consider when looking at credit cards that earn frequent flyer points.

    1. The frequent flyer program. Choosing a credit card that earns points for a frequent flyer program (or programs) you already use will help you maximise your rewards.

    2. Point earning rate. Check the standard rate of points per $1 and be aware of any differences if it is a dual credit card (with an AMEX and a MasterCard of Visa), or if a different earning rate is applied for certain purchases (i.e. overseas spending).

    3. Reward values. Consider the types of rewards you will want to claim and check how their values measure up between programs so that you know exactly how many points you will need – and how much spending that requires – before you apply for a card.

    4. Annual fee. Ideally, the annual fee should be worth less than the rewards and any complimentary extras on the card that you intend to use.

    5. Promotional rates and features. Frequent flyer credit cards sometimes have promotions for new customers, such as bonus points, 0% purchase ratesbalance transfer offers or even no annual fee for the first year. These benefits can add a lot of value to the card that you choose, but make sure you read the terms and conditions for details of the requirements and honeymoon period so that they work for you (and not the other way around).

    6. Complimentary extras. Reward and frequent flyer credit cards often come with a wide range of complimentary extras, such as international travel insurance, extended warranties, concierge services and airline lounge access. The value of these perks can be used to offset the cost of the annual fee – as long as you know you will actually use them – and they are often handy to have available just in case you ever need them.

    How to earn and redeem frequent flyer points with a credit card

     Earning Points

    Points are a key factor when choosing and using a frequent flyer credit card, and there are two main options to consider.

    1. Direct earn cards

    These credit cards earn you points for a specific airline rewards program, which are credited directly to your frequent flyer account. For example, the American Express Qantas Premium card earns 1 Qantas point per $1 spent, and the Virgin Australia Velocity Flyer card earns 1 Velocity point per $1.

    Direct earn cards generally have a better earn rate as well, so you could potentially get more rewards for your spending if you’re loyal to one program.

    2. Indirect earn cards

    Other reward credit cards earn points that can be transferred to a wide range of frequent flyer programs.

    For instance, the ANZ Rewards Black credit card earns 3 ANZ Reward points per $1 spent, which can then be exchanged for Air New Zealand AirpointsSingapore Airlines KrisFlyer miles or Velocity Frequent Flyer reward points.

    Unlike direct earn frequent flyer credit cards, the point values of these cards may differ when transferred to a frequent flyer account. For instance, 2.5 CommBank Award points is worth 1 Qantas Frequent Flyer point, so you would need to factor in this exchange rate when choosing the card.

     FAQs about earning frequent flyer points

    How can I maximise my frequent flyer credit card points?

    While the amount of frequent flyer points you earn varies between credit cards, there are a number of ways you can maximise your rewards, including:

    • Earning points on everyday purchases. This type of credit card lets you earn points on day-to-day purchases including groceries, refilling the car and direct debit for bills. The sooner you link your credit card to your billers the more points you can accumulate.
    • Bonus point offers. Many reward credit cards offer thousands of bonus points to new customers when they are approved for a card and spend a certain amount in the first few months. These additional points are often worth hundreds of dollars, and may even be enough to fly overseas in some cases.
    • Spending with program partners. Some credit cards partner with airlines, retailers, fuel providers or supermarkets to offer additional points when you spend money on your card with them. Check the credit card issuer’s website for details of participating partners, and try to shop with them more to boost your rewards.
    • American Express dual credit cards. To maximise points potential, some credit card issuers offer reward cards with both an AMEX and MasterCard or Visa. For example, the ANZ Frequent Flyer credit card, which earns 0.5 points per $1 on the Visa and 1 point per $1 on the AMEX card.
    • Supplementary credit cards. Requesting an additional credit card means you can share your account with a partner or family member, giving them a chance to use it for their spending and boost your points balance.
    • Gold, platinum and black cards. Gold, platinum and black credit cards are more premium than standard options, and many offer more points per dollar and/or higher points caps as a result.

    How do points caps work?

    Earning frequent flyer/ rewards points are capped or uncapped. Capped points allow you to earn points at the normal rate up to a specified amount during a given period e.g. 7,500 points per statement cycle. After you have reached the points cap you will either be unable to accumulate points for the remainder of the period or given a lower points earning rate for the remainder of the period.

    How do bonus points offers work?

    Frequent flyer bonus points are a great way to boost your points balance and are usually awarded as a sign-up bonus. To receive this bonus you may be required to make a certain amount of purchases within a given time frame e.g. $2,500 of purchases within 3 months of card approval.

    Can I cancel my credit card after receiving a bonus points offer?

    In most cases you can cancel the credit card with no additional fees or charges after receiving your bonus points. If your credit card has $0 annual fee for the first year and you cancel it before card renews then you can avoid this charge. If you are chasing extra points, it is important to note that the same bank will not allow you to apply for a bonus points offer for 12 months from the date of card cancellation.

    Can I earn points for balance transfers and cash advances?

    Unfortunately not. Points are only earned by making eligible purchases.

    Can I earn points across different frequent flyer programs?

    Airline partners and alliances let you use your points to travel with other airline partners. Learn more about airline partners and alliances.

     Using your points

    Here’s some of the great rewards you can redeem your points for:

    Flights

    Flights (Return)

    Melbourne

    Flight from Sydney to Melbourne:

    Qantas 16,000 points
    Velocity 15,600 points

    Tokyo (1)Flight from Sydney to Tokyo:Qantas 70,000 points
    Velocity 89,600 points
    LondonFlight from Sydney to London:Qantas 120,000 points
    Velocity 119,600 points
    New-York-ManhattanFlight from Sydney to New York:Qantas 120,000 points
    Velocity 119,600 points

    Gift Vouchers

    Gift Vouchers

    JB Hi fi Voucher (1)

     

     

     

     

     

     

     

     

     

    • Qantas
      $100 Gift Voucher (Myer, David Jones, JB Hi-Fi): 16,000 Qantas Points
    • Velocity
      $100 Gift Voucher (Myer, David Jones, Target, Westfield): 18,000 Velocity Points

    Hotels

    Hotels
    5 star hotel qantas rewards

    Qantas
    $250 credit (Sofitel, Ibis Hotel, Novotel, Pullman, Accor, Mercure): 41,000 Qantas Points
    Velocity
    $250 credit (Crown Hotels, Hilton): 36,000-41,000 Velocity Points

    Choosing your frequent flyer program will ultimately depend on the type of rewards and benefits you are after. Redeeming frequent flyer points can be summarised into two types of main benefits 1) Airport/ flight benefits and 2) retail/ lifestyle rewards.

    • Airport/ flight benefits. Points can be used for flight upgrades, lounge benefits and other frequent flyer membership benefits.
    • Retail/ lifestyle rewards. Can benefit you at home or abroad. Get access to hotels, car rentals, travel insurance whilst overseas and shopping online. Frequent flyer programs can enrich your lifestyle at home with holiday benefits, food and wine, online shopping and even mobile phone and internet perks.

     FAQs about redeeming frequent flyer points

    How do I redeem points?

    While credit card and airline reward programs all have their own specific steps for redeeming or transferring points, the following steps can be used as a guide for most of online reward point redemptions:

    1. Log in to your reward account
    2. Check your point balance to see how many points you have to use
    3. Select the “Redeem” option
    4. Choose the type of redemption you want to make (e.g. “flights”)
    5. Select the specific option you want (e.g. single flight from Sydney to Melbourne)
    6. Follow the prompts to book or secure the reward; and
    7. Confirm the redemption.

    Some frequent flyer credit cards also give you a “points plus pay” option, which means you can use a combination of points and cash to redeem your reward.

    How can I claim missing points?

    Did you forget to quote your frequent flyer number at the time of booking or have your points not appeared in your account? Discover how you can claim missing points.

    How much are my credit card points worth?

    Depending on which credit card you are applying for the amount of rewards points will vary per $1 spent. When it comes to the value of your rewards points this will depend on the types of rewards you redeem. An upgrade to business class could boast a lot more value than redeeming for multiple gift vouchers.

    A simple principle to use is to ensure that the value received from your credit card is greater than the annual fee.

    What rewards can I redeem?

    Credit card and frequent flyer reward programs offer a wide range of rewards that you can claim using your points, including:

    • Airfares
    • Flight upgrades
    • Accommodation
    • Travel packages
    • Gift cards
    • Jewellery
    • Electronics
    • Homewares
    • Cashback

    The amount of points required varies between redemptions, and not all of them are equal. For example, you need 10,200 points (or 6,900 plus $21.11) to redeem a one-way flight from Sydney to Melbourne via Virgin Australia’s Velocity Rewards, and 18,000 points to get a $100 gift card for Westfield.

    The different amounts of points required for each redemption has a direct impact on the value of your rewards, so comparing these costs before you use points will help you get more out of them in the long run.

    How come the value of frequent flyer points is different across points programs?

    • If you are transferring your rewards points to a frequent flyer program than the conversion rate may not be 1:1. Often a reduced conversion rate is provided since you have the flexibility of earning both rewards and frequent flyer benefits.

     How to choose a frequent flyer program

    This section will compare frequent flyer programs based on credit card points earnings. To learn the benefits of each frequent flyer program and decide which one suits your needs please see to the link below.

    Full guides to frequent flyer programs and benefits

    • Qantas frequent flyer. Qantas Frequent Flyer credit cards can earn between 0.25 and 1.5 Qantas Frequent Flyer points per $1. These points can be redeemed for flights with over 400 program partners and products from the Qantas store.
    • Jetstar rewards. Jetstar is directly linked to Qantas, so you can actually redeem Qantas Frequent Flyer points for Jetstar flights. There are also two Jetstar credit cards that earn Jetstar Dollars that can be used exclusively for flights with the airline and you won’t have to pay the booking fee.
    • Velocity frequent flyer. Velocity frequent flyer credit cards typically earn between 0.5 and 1.5 points per $1 spent, with membership perks including express boarding, complimentary baggage, flight upgrades and lounge access. You can redeem rewards for flights with Virgin Australia and its partners plus rewards from the Velocity store.
    • Tigerair. As it’s partnered with Virgin Airways, you can use your Velocity Frequent Flyer credit card to earn points that can be redeemed for rewards with either Virgin or Tigerair. Just log in to your Velocity Frequent Flyer account, select the “Redeem” option and choose “Tigerair Australian Redemption” in the flights section.
    • Emirates Skywards rewards. You can earn 1 mile per $1 up to 10,000 Skywards Miles with the Emirates Citi World credit card. Otherwise, you can earn Membership Rewards with an American Express credit card and redeem these for Emirates Skywards Miles. You can redeem your miles for flight rewards and upgrades with Emirates and its partners.
    • Singapore Airlines KrisFlyer program. There aren’t any KrisFlyer direct earn credit cards on the Australian market, but you can trade American Express Membership Rewards, Citi Rewards and Westpac Altitude Rewards for KrisFlyer miles. You can redeem these for flights with Singapore Airlines, SilkAir or any members of the Star Alliance airline network.

    Qantas Frequent Flyer Credit Cards – How to choose the best credit card* for Qantas Frequent Flyer Points

    Choosing the best credit card* to earn Qantas Frequent Flyer points will depend on your spending habits, minimum income and the credit card features you are looking for. Frequent flyer credit cards often include additional perks, with airport lounge passes, complimentary travel insurance and bonus points offers. As a result, these cards can come with a much higher annual fee compared to other types of credit cards, so it’s important to compare and read the terms and conditions – especially if there is a $0 annual fee offer included.

    Some of the benefits you can expect from a Qantas frequent flyer credit card include:

    • Bonus points. Get a boost to your Qantas Points balance with a bonus points offer. Varying from 10,000 to 75,000 Qantas Points, these offers often carry a spend requirement in order to receive the points.
    • Qantas Points per $1 spent. Earn more Qantas Points for your everyday purchases. You can earn 0.5, 0.75, 1.00, or 1.5 Qantas Points per $1 spent depending on which bank and credit card you apply for. Higher tier cards including Gold, Platinum and Black will reward you more points per $1 spent.
    • Additional perks. Frequent flyer credit cards often provide additional benefits with airport lounge passes, complimentary travel insurance and 24/7 concierge services to make your travels easier.

    Velocity Frequent Flyer Credit Cards – How to choose the best credit card* for Velocity Frequent Flyer points

    The best credit card* to earn Velocity Frequent Flyer points varies depending on factors including your spending habits, income and the other features you want on a credit card. It’s also important to consider the costs of the card, such as annual fees and interest rates, and any specific requirements associated with complimentary extras. Reading the terms and conditions of each card you compare will help you understand the ongoing responsibilities and charges so that you can choose a card that is convenient and affordable for you.

    Some of the benefits you can get with a Velocity Frequent Flyer credit card include:

    • Bonus points. Some Velocity Frequent Flyer credit cards offer bonus points for new customers as a way to boost your account balance. Usually these promotions require you to spend a certain amount in the first few months you have a new credit card so that you can get the points. Providing you meet the conditions of the offer, you could get anywhere from 5,000 to 50,000 Velocity Frequent Flyer points in one go.
    • Velocity points for everyday spending. A Velocity Frequent Flyer credit card will offer you a set number of points for every $1 spent on eligible purchases. You could get between 0.5 and 1.5 points per $1 depending on the card, with more premium cards offering greater earn rates.
    • Complimentary extras. The perks you can get with a Velocity credit card include travel insurance, flight gift vouchers and airport lounge passes. These benefits can add value to the card, but only if you use them.

    Jetstar – How to choose the best credit card* for Jetstar flights

    As the low-cost carrier owned to Qantas, Jetstar doesn’t really have its own frequent flyer program. But it does offer the following credit cards that earn Jetstar Dollars you can cash in for flights:

    • The Jetstar MasterCard. This credit card earns 1 Jetstar Dollar per $100 spent. It has a standard variable purchase rate of 14.99% p.a. and a standard annual fee of $59, making it a low-cost frequent flyer credit card option. You can also choose to earn Qantas Points on this card, at a rate of 0.5 points per $1.
    • The Jetstar Platinum MasterCard. This credit card earns 1 Jetstar Dollar for every $50 spent on eligible purchases, or 1 Qantas Point per $1 if you opt to earn rewards as part of the Qantas Frequent Flyer program. It has a standard variable purchase rate of 19.99% p.a., an annual fee of $149 and complimentary extras including overseas travel insurance.

    Emirates Skywards – How to choose the best credit card* for Emirates Skywards Miles

    If you want to find the best credit card* to earn Emirates Skywards Miles, you’ll need to consider your spending habits, income and the credit card features you’re interested in. It’s also important to consider the interest rates and annual fees of credit cards that offer Emirates Skywards Miles, so that you can make sure the benefits outweigh these charges. The Emirates Citi World MasterCard is the only credit card currently available that directly earns Skywards Miles per $1 spent. As well as this card, you can consider cards that allow you to transfer points to your Emirates Skywards account, such as those linked to the American Express Membership Rewards program.

    Some of the benefits you can get with an Emirates Skywards credit card include:

    • Introductory offers. Rewards credit cards linked to the Emirates frequent flyer program may benefits to new customers, including thousands of bonus points or a discount on Emirates flights. To get these offers, you usually need to be a new customer and spend a certain amount of money on the card in the first few months you have it.
    • Points per $1 spent. You can earn between 0.5 and 1.5 Skywards Miles per $1 spent on a credit card linked to the Emirates frequent flyer program. Some of these cards limit or cap the number of points you can each, so make sure you check these details and factor that into your decision about which card to apply for.
    • Travel perks. The complimentary benefits you can get with an Emirates credit card include international travel insurance, hotel room upgrades, dining programs and 24/7 concierge services.

    Frequent Flyer alliances

    Frequent flyer programs all have their own networks of partner and alliance airlines that let you earn and redeem points all around the world.

    oneworld alliance

    A network of 15 of the largest airlines in the world, including Qantas, British Airways, American Airlines, AirBerlin and Cathay Pacific. Any Qantas Frequent Flyer credit card will give you access to the oneworld alliance network, which means you can earn and spend your points with a broader range of airlines.

    Star Alliance

    This is the world’s largest airline association, with 28 different members including Singapore Airlines, Air Canada, Air China, Air New Zealand, Lufthansa, SWISS, THAI and United. You can gain access to the Star Alliance network by becoming a member of one of these airline loyalty programs, and can boost your points with an indirect earning frequent flyer credit card.

    Virgin Australia airline network

    While Virgin Australia is not a member of either of these networks, you can directly redeem Velocity reward points with it’s following network of partners: Delta Air Lines, Etihad Airways, Singapore Airlines, SilkAir and selected codeshare flights operated by Virgin America. Just select the “Book a Flight” option when redeeming, and choose where you want to go.

    Credit cards have become one of the most popular ways to earn frequent flyer points, with both direct and indirect ways to boost your balance when you pay with plastic. Now that you know more about how they work, the potential benefits and pitfalls and what you should consider when comparing frequent flyer credit cards, you can make a more informed decision about the next credit card you apply for so that it really works for you.

    Back to top

    Common frequent flyer credit card questions from our users

    How do I get complimentary access to lounges?

    You can compare and apply for cards that provide complimentary lounge access here.

    How many points do I need to fly from A to B?

    The number of points you’ll need will depend on the route you take and the status of your flight seat (e.g. business, first class). Most frequent flyer programs offer an online and free points calculator that can be used to estimate how many points you’ll need.

    Can I transfer my points to another program?

    This will depend on the program you’re with. Generally, this is a no. However, although you may not be able to directly transfer your points to another program, you can redeem your points with a partner airline for flights, upgrades and other rewards.

    What happens if my points expire?

    As a general rule, most frequent flyer points cannot be redeemed after they have been expired. Some will expire after a certain amount of time, whereas others will expire if your rewards account has remained inactive (meaning you haven’t earned or redeemed any points) over a particular period. Make sure to confirm when and how your points can expire before signing up.

    How many frequent flyer points do I have?

    To check your current points balance, you can either log in to your frequent flyer account or contact the airline directly.

    Was this content helpful to you? No  Yes
    American Express Essential Credit Card
    American Express Essential Credit Card

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    ME Bank frank Credit Card
    ME Bank frank Credit Card

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    127 Responses to Frequent Flyer Credit Cards

    1. Default Gravatar
      Andrea | July 19, 2016

      HI
      I want to get a credit card to pay all bills and outgoings but want one with all the benefits.
      Can you tell me if you earn points when paying utility, rates etc bills? or is just on purchases of products that qualify?

      • Staff
        Anndy | July 19, 2016

        Hi Andrea,

        Thanks for your question.

        If you are looking for a credit card that lets you earn Frequent Flyer rewards or points when you pay bills, you can check this page for credit card providers that allow that. Once you have selected a provider, you can then proceed to choosing a credit card they offer that has the features or benefits you are looking for.

        You may also want to check our guide on how to earn frequent flyer points on utilities.

        Cheers,
        Anndy

    2. Default Gravatar
      Roy | May 24, 2016

      Hi,

      For ANZ Frequent Flyer Credit Card – car insurance included local as well or only for use in overseas?

      Thanks.

      • Staff
        May | May 25, 2016

        Hi Roy,

        Thanks for your question.

        Unfortunately, with ANZ Frequent Flyer Credit Card, the complimentary travel insurance is not one of its benefits. But ANZ premium cards do have complimentary travel insurance and it includes rental vehicle excess cover which is for overseas trips only. Please refer to this page that details the ANZ complimentary travel insurance.

        Hope this helps.

        Cheers,
        May

    3. Default Gravatar
      Tom | February 1, 2016

      Hi Finder,

      I am looking for a credit card that gives me complimentary travel insurance. However the ones I have looked in to do not cover me for places where the govt has advised to ‘reconsider your need for travel’. I want to travel to places like Ethiopia but it falls under that category so I wouldn’t be covered. Do you know any credit cards that offer really good quality travel insurance that would cover me for places like that?

      Thanks so much for your help!
      Tom

      • Staff
        Debbie | February 2, 2016

        Hi Tom,

        Thanks for your inquiry.
        Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend specific providers, products or services.

        You may refer to our comparison page for credit cards that offer free travel insurance.

        If you are after for a more comprehensive travel insurance, you can review standalone policies from Australian Travel Insurance Companies from this page.

        I hope this helps.

        Cheers,
        Debbie

      • Default Gravatar
        Tom | February 2, 2016

        Hi Debbie,

        Thanks for your help! I will check out those links now.

        Cheers
        Tom

      • Staff
        Debbie | February 2, 2016

        No worries Tom. Just let us know we can assist you further. Thanks!

    4. Default Gravatar
      Chandy | December 13, 2015

      hi guys
      just wanted to ask
      how i could get a Frequent flyer Velocity Promo Code
      thank you v much
      Cheers,

      • Staff
        Debbie | December 15, 2015

        Hi Chandy,
        Thank you for your inquiry.
        Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend specific providers, products or services.

        Please refer to link I’ve sent in your email for the list of special offers from Velocity. You can also check this page for a list of latest Velocity promo codes from Virgin Australia.
        I hope this helps.

        Cheers,
        Debbie

    5. Default Gravatar
      brian | October 20, 2015

      how often do I pay ,is it annually or monthly
      if monthly I will cancel,please advice before I make my next payment on my a/e account

      • Staff
        Jonathan | October 21, 2015

        Hi Brian, thanks for your inquiry!

        Generally credit card repayments are monthly. To allow us to assist you further could you specify which credit card you are using?

        Cheers,

        Jonathan

    6. Default Gravatar
      Robyn | August 27, 2015

      Is there a FF CC that can be used with any airline?
      thanks
      Robyn

      • Staff
        Jonathan | August 27, 2015

        Hi Robyn, thanks for your inquiry!

        Most credit cards have a partnership with one or a few airlines/ frequent flyer programs. You may like to review the Oneworld Alliance program which combines the benefits of multiple airlines.

        Cheers,

        Jonathan

    7. Default Gravatar
      Mick | August 18, 2015

      Hello
      I have just received my Velocity Frequent Flyer Prepaid Card. I went to the Velocity Global Wallet to activate my card, but I’m lost as to the next step.
      Please advise.
      Thanks
      Mick.

      • Staff
        Jonathan | August 19, 2015

        Hi Mick,

        Thanks for your inquiry.
        To activate your Velocity Global Wallet, you will need to log into the Global Wallet Account Centre online and enter your 16-digits Velocity membership number and account password.
        Please refer to the link I have sent to your email for the Velocity Account Centre activation page.
        You might also want to check this page for further information about the Velocity Global Wallet.

        I hope this has helped.

        Cheers,

        Jonathan

    8. Default Gravatar
      Sarah | August 17, 2015

      Hi

      Can you advise when the St George 55,000 bonus points ended? I saw this before I applied in July?

      Thanks
      Sarah

      • Staff
        Jonathan | August 17, 2015

        Hi Sarah, thanks for your question!

        Unfortunately St.George does not currently have any rewards points promotions with the last offer ending approximately in April. You may like to refer to more Reward’s credit cards on this page.

        Cheers,

        Jonathan

    9. Default Gravatar
      Debbie | August 11, 2015

      When you earn Qantas flyer points, can these be used for Jetstar flights

      • Staff
        Jonathan | August 11, 2015

        Hi Debbie, thanks for your inquiry!

        Qantas points can be used to book both Qantas and Jetstar flights. You may like to compare Qantas Frequent Flyer cards on this page.

        Cheers,

        Jonathan

    10. Default Gravatar
      Macca | June 20, 2015

      When booking flights, does any program provide more chances of booking a flight on the dates of your choice?

      • Staff
        Jonathan | June 22, 2015

        Hi Macca, thanks for your inquiry!

        The availability of flights depends on a few factors including the desired booking date, how busy the flight season is, respective airline and the class/grade you are flying in (Economy, Business, First class).

        Cheers,

        Jonathan

    Credit Cards Comparison

    Rates last updated September 29th, 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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