Listed below is a comparison of the most competitive Frequent Flyer credit cards on offer to Australians for online application.
Credit cards with Frequent Flyer point reward programs can be rewarding and of great value. They do tend to have fairly high annual fees, however. This means you will need to spend a large amount per year to outweigh your annual fee with the value of your redeemed rewards. Many Frequent Flyer Membership Reward cards are Gold and Platinum, which means a minimum annual earnings is necessary ($40,000+ per annum), as well as an above average credit rating. The Qantas Frequent Flyer rewards program is one of the most generous on the market, and is not limited to flights only. The Velocity Rewards program is also becoming increasingly popular.
Qantas Frequent Flyer Credit Card Offer
With the Qantas American Express Discovery Card, you’ll earn Qantas Frequent Flyer points on purchases, and you won’t have to pay an annual card fee. For a limited time you can also earn up to 7,500 extra Qantas Frequent Flyer points when you apply successfully. Features include:
- Earn up to 7,500 extra Qantas Frequent Flyer points
- $0 annual card fee
- Earn 1 Qantas Frequent Flyer point per $1 spent on purchases with your Card
- Uncapped Qantas Frequent Flyer points earning
- Redeem points for Award flights with Qantas or any of their participating partner airlines
- Up to 44 interest free days on purchases
- Global Card support
Conditions Apply – click here for more information about this offer.
Compare Frequent Flyer Credit Card Offers
To find out more about the benefits and disadvantages of reward credit cards, browse our reward program guide.
Frequent Flyer Credit Card Comparisons
- Direct Earn Frequent Flyer Credit Cards
- Uncapped Frequent Flyer Credit Cards – No Points Expiry, No Points Capping
- Travel Credit Cards – Overseas Spending
- Business Frequent Flyer Credit Cards
Frequent Flyer Rewards Programs:
To rewards customers for their loyalty, the frequent flyer program is an incentive program designed to reward customers. As a traveller, it’s possible to earn free miles every time you fly on a particular airline.
If you’re a frequent flyer, you may have considered getting a frequent flyer card to accumulate the miles for a free flight. You may already have multiple flyer cards with different benefits and rewards and the best part, you could earn miles without travelling.
QANTAS: One of the first ones to hit the market, the Qantas Frequent Flyer program is one of the most popular. The programs lets you earn points for purchases made using your QANTAS Frequent Flyer credit card on everyday and travel purchases. QANTAS has over 400 program partners, which means bonus points can be easily earned as well. Depending on your level of membership you can receive benefits
like extra baggage, flight upgrades and access to the QANTAS Club lounge
VIRGIN: The Virgin Australia Velocity Rewards program lets members redeem their points for flights, seat upgrades and priority check in and boarding. Using their Velocity credit card, they can gain points on purchases and bonus points with program partners. There is a huge range of rewards available for members including charity donations and a Virgin estore.
EMIRATES: Customers can be rewarded by the Emirates Skywards Frequent Flyer program, by using their Skywards Frequent Flyer credit card for purchases. Points can be redeemed for flights, seat upgrades, hotels and other rewards. Gold members can benefits from guaranteed seat reservations and priority baggage delivery
KRISFLYER: Singapore Airlines offer a program called KrisFlyer that rewards loyal customers with a KrisFlyer linked credit card.
Rewards include free or discounted flights and access to lounges.
Air miles and only valid of three years.
The Ultimate Guide to Frequent Flyer Credit Cards
A quick guide to the frequent flyer programs in Australia and how you can be rewarded as much as possible.
A quick guide to the frequent flyer programs in Australia and how you can be rewarded as much as possible.
A frequent flyer is somebody who is enrolled into a program that allows you to earn frequent flyer miles according to the distance flown on that airline or its partners. ‘Miles’ can include kilometers, points and segments.
Many airline programs are now linked to a co-branded credit card where cardholders are awarded points for spending on their credit cards, rather than air travel. Acquired points can be redeemed for air travel, goods and services as well as airline class upgrades, VIP access to lounges or priority bookings.
Table of Contents:
- Compare frequent flyer credit cards
- How do frequent flyer credit cards work?
- How to compare frequent flyer credit cards
- How to use a frequent flyer credit card
What are ‘Frequent Flyer’ Points?
Frequent flyers points are the points awarded to a member in a frequent flyer program. Usually, points are earned by a linked credit card and by making purchases. Bonus points are also offered with program partners. Points can be redeemed for a variety of things, such as flight discounts, free upgrades, hotels, merchandise and vouchers. If you’re looking to be part of these programs, compare credit cards that are linked to the Airline that you travel with most frequently.
Qantas Points were one of the first, and still most popular reward programs available to Australians. You gain access to redeem your reward points for discounted Qantas flights, both domestic and international as well as a range of retail goods, electronics and vouchers.
Most cards, particularly Gold and Platinum cards have a wide range of additional travel luxuries, such as medical insurance, flight cancellation refunds and extended personal possession warranties.
Take note that reward programs which let you transfer your reward points over to Qantas points will no longer be functioning as of April 1st 2009.
How do I earn points?
- Fly with that particular airline and partner airlines. You can earn points of eligible flights with the airline that your credit card is linked to, as well as their partners. Every card will have their own set of terms and conditions as to what you can redeem for, so please remember to read them before applying.
- Using your linked credit card. You can instantly earn points using your credit or charge card with everyday spending. By making purchases you can earn points without even flying.
- Shop with partners. Airlines with frequent flyer programs often have many partners to get you spending. Look out for any partnered supermarkets so you can earn extra points when you do your grocery shopping. For example, Qantas is partnered with Woolworths Supermarkets, so if you’re a regular Woolies shopper, a Qantas frequent flyer card could be for you. You can find out who your Airline is partnered with by logging onto their website.
What is a frequent flyer program?
A frequent flyer program is a reward program offered by many airlines, designed to keep your loyalty. Typically customers need to enrol into the program and then accumulate ‘miles’ which they can redeem for discounted flights depending on the distance. Recently there has been a change to loyalty programs, with co-branded credit card hitting the market so consumers could spend and earn points. Points can be redeemed for a variety of things such as like flight upgrades, access to VIP lounges and priority bookings.
When you enrol you usually start at the most basic level and the more you fly or spend, the higher your membership status. The airline program will usually keep you updated on how many points you’ve accumulated and there’s often affiliated airlines, so you’re not just restricted to the one you’ve signed up with.
You can also link your credit card with the airline’s frequent flyer program. This could let you accumulate points faster because you don’t need to fly. Shopping with their partners can also let you earn bonus points.
Choosing a frequent flyer program
Comparing frequent flyer programs and choosing the right one could mean that you are truly rewarded for your spending. Since these programs are designed to keep your loyalty, it may be worthwhile to choose one that will reward you both in the short and long term. A program that lets you consolidate your miles from both your credit card spending and travel rewards could be useful.
- Points or miles caps and expiration. Before considering any frequent flyer program, you should consider the expiration of the points and miles. If you don’t travel frequently, by the time you decide to take a holiday, a portion of your points could have expired.
Frequent flyer credit cards with uncapped points earning
- Airline partners. Have a look at the partners linked to the frequent flyer program you’re interested in. If they match the same retailers that you regularly shop at, chances are you can accumulate points faster. They may also have relationships with a major bank or credit card company that will reward you with a certain amount of bonus points when you make your first eligible purchase within a certain time frame.
- How can you use your points. If you’re dedicated to giving back to the community, then you may want to consider an airline that lets you donate your points to charity. Some airline programs will let you donate your miles to a selected charity. If pooling your points together as a family is something you want to do, then you will need to also read the terms and conditions for the limitations as to how you can do so.
- Your travel style. Being a member of multiple travel programs can be confusing. If you’re loyal to one particular program then it may be more practical to be a member of just one. If you don’t regularly fly, then you may just want an airline program that offers goods and services as rewards – not just miles.
How to make the most a frequent flyer credit card
Tony applies for a Woolworths Qantas credit card and receives a bonus 16,000 Qantas Points because he applied and made his first eligible purchase by 31 August. Tony also regularly shops at Woolworths and has spent a total of $1,000 over time with about half those transactions over $30.
- Bonus 16,000 points (equivalent to a Syd-Mel flight)
- $500 regular spend = 500 points
- $500 worth of transactions over $30 = 1,000 points
- Total of 17,500 points
Over the course of his spending, Tony’s accumulated enough points for a economy flight from Sydney to Melbourne including all taxes, fees and carrier charges and still has points left over.
What if i’m an infrequent flyer?
Not everyone has the luxury of travelling frequently, but you can still benefit from frequent flyer programs. Compare the programs and choose one that lets you earn miles and points for non-flight activities. Have a look at your patterns of shopping, affiliated partners and see if you redeem for any non-flight rewards like vouchers, discounted goods and services.
Pros and cons of frequent flyer programs
- Higher status equals more rewards. This is one of the main benefits of a frequent flyer program – when you’ve reached a new tier on your membership, you receive extra privileges.
- Be rewarded for your spending. If you regularly use your credit card for spending, then you may as well take advantage of it by using an air miles card. The rewards are tangible and may be more practical than saving for a particular item.
- Large range of rewards. You can redeem your points for quality brands or you can donate to your favourite charity. Most programs will also offer beyond 3,000 products and services with free delivery. There is a range of technology, travel and luggage, home and garden, beauty and fashion, baby and kids, sports and outdoors, food, wine and experiences as well as gift cards and charity donations.
- Terms and conditions. Since there’s so many options available in frequent flyer programs as well as the credit cards that are linked to them, you will have to properly research which ones are suitable for your financial situation. It’s important to understand the fine print so you know what you can and can’t do with your points. While this can be quite time consuming, the value that you receive may be worth it.
Things to avoid with frequent flyer programs
- Overspending. These loyalty programs are designed to make you spend – don’t spend just to accumulate points. It’s much better to align your spending habits with the perks of the credit card, rather letting the credit card control you.
- Poor credit risks. A good credit history is required for these types of cards. Continually applying for the same credit card would only damage your credit rating more.
Decoding the terms and conditions
With any financial product, its important to pay attention to the small details like the fine print. It’s important to consider these key things;
- The points don’t necessarily belong to you. Even though it’s your membership, the program belongs to the airline. In many terms and conditions, it states that the points do not represent property of the cardholder.
- Restrictions. Every airline has restrictions to how you can use your points. They can include certain dates or periods, seating availability or certain locations. Airlines can always change these restrictions, so always check the fine print beforehand to avoid any shocks.
- Miles only count for direct flights. If need to make a transit on your trip, airlines don’t give mileage for voluntary changes. The miles usually only count from origin to destination, which means you may need to cover the costs of any mid-flight changes.
- Flight cancellations. If your flight is cancelled, its possible that you won’t be credit for the original flights miles – especially in the case if the original airline changes. Every airline has different policies regarding this, so again its important to check the terms and conditions before applying.
- Hidden fees and charges. Most airlines will offer a fee-free enrollments, but there could be fees later for redeeming your points or miles, inactive accounts as well as lost or replacement tickets.
Using Frequent Flyer points and redemption
Most programs have a straightforward process of redeeming your miles or points. It’s always handy to have your membership number ready when you do purchase your tickets or rewards. Redeeming can be done both online and offline as airlines will give you an online access, as well as mail you with offers and promotions.
There are a few considerations before redeeming your points, which could affect what type of rewards you want;
- The actual monetary value of your frequent flyer miles is nowhere near what you actually spend to accrue those points. It may be smarter to save your miles and purchase a lower cost ticket to your destination, given that the points don’t expire.
- Airlines have a reputation for strict terms and conditions, which means that there could be blackout dates and limited seat availability for frequent flyer customers.
How to redeem your points
- Login into the website of your airline. Once you’re ready to redeem your points, make sure you have all your login details to log into the homepage of the airline.
- Check your balance. Your airline should indicate to you how many points you have accrued.
- Redeem your points. Your airline should have a page dedicated to telling you what rewards are on offer. Simply follow the prompts to redeem your rewards and fill in the required details. Some airlines will allow you to use ‘points plus pay’ – where you can pay cash for a portion of the rewards, and points for the other.
Which stores can you redeem frequent flyer points
Airlines are constantly changing the types of rewards and promotions they offer, so it may be worthwhile to shop around before redeeming any rewards.
Frequently Asked Questions
What are some of the best credit cards for frequent flyer programs?
This depends entirely on your financial situation and your spending habits. Creditcardfinder.com.au also offer exclusive deals.
Should I link my business to a frequent flyer program?
Like personal credit cards, you will need to have a look at the cash flow and style of business.
What is an airline credit card?
Frequent flyer programmes often extend to airline credit cards. Instead of earning points as you fly, you can earn points of purchases. Some airlines also offer bonus points on signup, as well as bonus points when you make a purchase of a certain amount in the introductory period. Usually, the credit cards are linked to one particular loyalty program, so it may be beneficial to compare airline credit cards and see what their partners are so you can get maximal points.
How do air miles credit cards work?
Upon signing up with your credit card, you can indicate whether you’re an existing member of a frequent flyer program. It’s important that you sign up with a credit card that is linked to your existing membership, otherwise you’ll be signed up to multiple frequent flyer programs. If you’re an existing member, the credit card provider will simply link your credit card to your account. If you’re a new member, usually the credit card provider will sign up on your behalf.
After linking your account and credit card together, the points will automatically be accrued when you spend, but please note that it may take a few days or weeks to appear on your credit card statement.
For many years, the most popular type of rewards credit card has been the air miles credit card. This is also know as the frequent flyer credit card, and certain credit card providers may have their own pet names for their scheme. Although cashback credit cards have become a popular alternative recently, the idea of building up air miles for your spending remains a very attractive proposition for many people.
Air miles then and now
Air miles started off as loyalty programs run by the airlines, enabling frequent flyers to accumulate credits based on the number of miles flown. These then counted towards future flights, or could completely pay for them. Credit card providers soon realised that this would be a great hook to lure people into making an application for their cards, and so began the air miles credit card. Nowadays, you don’t have to be a frequent flyer to own a frequent flyer credit card, and air miles cover more than just flights; they may also count towards brochure holidays, hotel accommodation, car hire, ocean cruises, airport parking, and days out.
Earning air miles
You earn points on an air miles credit card in the same way as you would accumulate points on a rewards credit card – by spending money on it. You don’t have to be making flights to earn air miles; anything will count, even your weekly groceries or fuel payments. So long as the points are racking up, so are the air miles. Neither do you need to be a member of any frequent flyer club to take such a card. The credit card itself will become your membership, although some of the more dedicated programs will charge an annual fee.
Points earned per dollar will vary according to the provider and the prestige of the credit card. One point per dollar spent would be pretty average, but you should check the details of the card you are interested in, and verify how your points are then turned back into rewards. Different frequent flyer credit cards will assign different values to their frequent flyer points. You should also look out for introductory offers on air miles credit cards, where more points per dollar are awarded for perhaps the first three months. Some may be so generous that they enable a reward to be claimed almost immediately. Similar offers and discounts may also appear at regular intervals as you go along.
Flying with the affiliated airlines, and spending with partners
Naturally, your frequent flyer credit card will earn points if you use it to pay for flights with the affiliated airline or airlines. Flying with these partners may also earn you bonus points. Equally, there may be affiliated travel services, such as car rental companies or hotel chains, or other card partners that will create bonus points for you. These are issues you will need to research so that you can take full advantage of your air miles credit card.
Be aware that points will not be awarded for any cash transactions made on the card, nor any balance transfers made to it. They are only gained when you spend on purchases or services.
Spending air miles
Air miles can obviously be redeemed for flights, but you can also spend them on hotels, holiday packages, on other travel services, and sometimes on non-travel-related products. Your credit card provider should have an online facility where you can log in and view how many miles you have, any current offers, and exchange your points. You may also be able to redeem your air miles over the phone.
You do not have to save for an entire flight with an air miles credit card. Most programs will allow you to pay for part of the flight with cash, and the rest with your points.
How to compare air miles credit cards
If you have decided to compare air miles credit cards, then you already suspect that the benefits of owning one of these cards will suit you and your lifestyle. Here, then, is some information to help you better understand what to look for when you are deciding which card to choose.
Most suitable for
Regular flyers and holidaymakers
An air miles credit card is ideal for people who love hopping onto a plane as often as possible, or business travelers who must pay their own way. You may already be a member of an airline frequent flyer program, so adding points from an affiliated credit card is only going to help your cause. You should also find that some credit cards have several partner airlines so you have some flexibility.
Credit card users
If you use a credit card for your spending, then you are halfway there already. You may as well take advantage of that spending with an air miles credit card. The rewards are tangible and worthwhile, and so much better than saving for a spare toaster, in case the first three blow up.
Anyone prone to overspending
If you need little excuse to spend on your credit card, you may not want to add another. With such an attractive offer at the end of it all, you could be spending just to accumulate points. Having said that, if you really can’t stop yourself, you may as well get something back for your debt.
Poor credit risks
A good credit rating is required to apply for an air miles credit card. Making an application that will fail due to a poor rating will only further drop your credit score.
What are the benefits?
This is a key question to ask when you compare frequent flyer credit cards. You need to know what you can expect back from your spending. Flights will not be the only thing on offer.
We’ll start with the blindingly obvious first. An air miles credit card is mainly designed with the avid air traveler in mind. These may not be with one airline; there may be several in the program. You may well earn extra points when you pay for your affiliated airline flights with your credit card, or spend time at a partner hotel chain.
Bonus air miles
These may be added in the “honeymoon” period of card ownership, when you may be able to earn a reward almost straight away with very little effort. Many air miles credit cards offer bonus points as a joining incentive when you open the account or when you first spend on the card. Make sure you know what this offer period is, and don’t let it pass by unused.
Frequent flyer membership
Air miles credit cards usually offer an automatic membership of the airlines’ flyer programs. For some, though, there may be an extra charge, so be careful if you are not a high spender, or you may end up paying more on the fee than you get back in rewards. Benefits may include priority check-ins, access to VIP airport lounges, special offers and discounts, and free upgrades. The more miles you earn, the higher level of membership you achieve, and the better offers and discounts.
Companion tickets and upgrade offers
Your air miles credit card may have discounts when two people travel instead of one. You may also be able to upgrade yourself through that mysterious curtain into a better seat alongside the big cheeses.
You want to know…
The airlines involved
Starting with the obvious again, the first thing when you compare air miles credit cards is to know which airlines are partnered with the program. Air Uzbekistan and Cameroon Air Service may have very shiny Douglas DC9s, but they may not be the right carriers for you. Make sure you will use the airline and that it services the routes you want to fly on.
How many points per dollar?
This is very important and you will normally find an ongoing exchange of one to one. However, you must look further than this and find out the value of your points when it comes to redemption. Different programs work in different ways, and assign different values to their points. You need to be able to fly with your points, not just buy a coffee in airport departures. Check out the fine print – and you will need to do this. These are the details that can make or break a deal, so check before you make that application.
It is a mean provider that will not tempt you in with some special offer for the first month or few. These will often allow you to earn extra points per dollar for a limited time. You may even be able to earn enough for an immediate reward.
This may include free travel insurance. You may have to pay a fee for an air miles program that offers this, or it may well come standard with gold or platinum cards.
The usual stuff
Don’t forget when you compare air miles credit cards to check out the annual APR, the annual credit card fee, the amount of interest-free days, and any charges that could be applied if you break the rules. It is still a credit card you are dealing with, and these issues are very important.
Be aware of
Annual fees for rewards schemes in general are not unusual, and they can make the difference between a program earning you or costing you. If your air miles program involves an annual fee, you must do some calculations to make sure this will not outweigh any benefits derived from it. The benefits of some of the more prestigious air miles credit cards can only be enjoyed by paying a fee, but the perks, such as free insurance and medical expenses, will often be such that you more than cover that cost.
Don’t get carried away (except by the airline). If you spend so much on your card that you are unable to pay off your balance every month, then you will attract interest charges. Depending on how much you are spending and how many points you are therefore accumulating, that interest may well negate the value of the points you earn.
Air miles are only awarded on purchases and services; they are not awarded for cash transactions such as ATM withdrawals or buying foreign currency or traveler’s cheques.
You cannot properly compare air miles credit cards if you do not read the Terms & Conditions. This must be done before signing on the dotted line. Know what you are getting into, and what you will get out of it.
How To Use Air Miles Rewards Cards
Air miles credit cards are of no use to you sitting in your purse or wallet. To earn points, you need to spend. That does not mean with reckless abandon simply to accumulate points. That will end up costing you dear. But you must certainly look to shift some of your regular spending to your air miles credit card to take full advantage of it.
Spend and earn with your air miles credit cards:
The more you spend on your frequent flyer credit card, the more points you will accumulate. Making purchases and paying for services will all count. That means it is possible to shift all your regular spending – even utility bills – onto your card to add hundreds or even thousands of dollars spending to it each month. However, if you are going to load your card with every bill that comes your way, you need to know that you will still be able to pay off your balance in full every month. Shifting bills to a credit card obviously means cash and bank accounts are not reduced. You have to be disciplined and realise that this is not then a surplus amount you can spend elsewhere. It must be saved to pay off your credit card bill in full. If not, you will be charged interest, and that will far outweigh any benefits derived from your air miles.
Provided it fully suits you, whenever you fly make sure you fly on your affiliated airline to earn extra points. Also make certain you know what other program partners there are, such as hotel chains, travel operators, and car rental companies, so you can switch your allegiance to them – again, provided it suits your purpose.
Make use of any introductory offers on your air miles credit card before they expire, which may be in one to three months. These may enable you to build up a mass of bonus points very quickly, and even earn a reward straight away. Your qualifying purchase may cost you buttons, but could earn you a real treat.
Think of getting an additional card for someone you trust, so that their spending will also count towards your points.
Offer to be the one who pays for family or group holidays with your frequent flyer credit card, so that you earn all those lovely points for yourself, then everyone else can pay you back in cash and think you’re a jolly helpful soul.
Careful now …
Pay off your credit card bill in full every month. We can all get unavoidable expenses that blow our monthly budget, but spending on unnecessary things, especially if it’s with an eye to building up your points, is foolhardy in the extreme. The interest charges you incur when a balance is not paid in full can wipe out the value of any points earned. It will also void your interest-free days for the following month, and that could impact any large and necessary purchase you may have to make in that month. Paying for a family holiday at the start of a month in which you have no interest-free facility would be a great shame. If your frequent flyer credit card is to give you truly free rewards, then you must maintain a clear balance on your account each month.
Your only alternative if you have lost your interest-free days is to try and pay off your debt as early as possible in the month via online banking, so your per-day interest charges are kept to a minimum.
Avoid cash advance transactions and balance transfers on your air miles credit card. They will not earn you any points and could cost you some serious money. Cash withdrawals are charged at a higher rate than your purchases, and are not subject to your interest-free days, and will attract a cash-handling fee. As for balance transfers, if you have made one because your provider has made you a 0% or low rate offer, this then will be the debt that is paid off first. All your other debts at a higher rate of interest will remain untouched by your repayments until the transferred amount is paid off in full. Its called the “adverse order of payments” rule, and it makes your provider quite a lot of money.
Frequent Flyer Practical Examples
Qantas Frequent Flyer Case Study
Commonwealth Bank Awards MasterCard
- 1 awards point for every dollar spent
- 1 Qantas Point for every 2 awards points you earn
- Amount spent on card $5,000
- $5,000 = 5000 awards points = 2500 Qantas Points
For a flight from Sydney to Melbourne, you would need to spend $16,000 on your Commonwealth Bank Awards MasterCard.
Points required for a Qantas flight
|Trip||Points||Points including taxes,fees and carrier charges||Miles|
|Sydney to Melbourne||8,000||14,000||439|
|Melbourne to Perth||18,000||24,000||1,682|
|Perth to Adelaide||18,000||24,000||1,318|
Velocity Frequent Flyer Case Study
Virgin Australia Velocity Flyer
- 1 Velocity point for every dollar spent up to 1,500 points
- After 1,500 points, you’ll earn 1 point for every $2 spent
- Amount spent on card $5,000
- $5,000 = 1,500 points + (3,500 divide by 2) = 3,250 Velocity points
For a flight from Sydney to Melbourne, you would need to spend $12,300 on your Virgin Australia Velocity Flyer.
Points required for a Virgin flight
|Trip||Points||Points including taxes,fees and carrier charges||Miles|
|Sydney to Melbourne||6,900||+ $14.62 AUD Taxes||439|
|Melbourne to Perth||16900||+ $24.77 AUD Taxes||1,682|
|Perth to Adelaide||18,000||+ $24.77 AUD Taxes||1,318|
Which is the best program to join?
This entirely depends on your spending and travelling style. It’s important to note that frequent flyer points always belong to the airline, and if the airline collapses for any reason, all your points could be lost.
Some loyalty programs could have a one-off joining fee or could be free to sign up. The pros and cons will vary according to which airline you sign up with, so its important to compare programs so you make the most informed decision. Keep in mind that frequent flyer program usually have different levels, so the more you spend or keep loyal to one, the higher level of membership you could reach.
- Remember: The goal with any frequent flyer program is to maximise the value from the points or miles earned, relative to the annual fee or joining up fee. These programmes are also designed to make you spend, so due diligence is highly recommended so you can control your spending.