For Australian travellers passionate about exploring the world, Qantas Points remain a gateway to unforgettable adventures, from upgrading to business class on a long-haul flight to Sydney or redeeming for a spontaneous getaway to Bali.
As one of the most popular loyalty programs in Australia, Qantas Frequent Flyer allows savvy users to turn everyday spending into rewarding travel experiences.
After researching over 20+ cards and speaking with some of our readers, we’ve gathered together the best Qantas points credit cards, we highlight the top options that are ideal for jet-setters, whether you’re chasing bonus points for that dream holiday or seeking perks like lounge access to enhance your journeys.
Each card earns a “top pick” in a specific category, helping you align your choice with your travel lifestyle.
1. American Express Qantas Ultimate Card
Top pick for everyday earn rate
Ideal for frequent flyers who want to accumulate points on everyday purchases, the American Express Qantas Ultimate Card offers a competitive earn rate of 1.25 Qantas Points per $1 spent on everyday transactions, rising to 2.25 points per $1 on eligible Qantas products and services.
New cardholders can earn up to 90,000 bonus Qantas Points—70,000 after spending $3,000 in the first three months, plus 20,000 in the second year after a minimum spend and paying the annual fee (offer ends 13 January 2026, terms apply).
With a $450 annual fee, it includes valuable travel perks such as a $450 Qantas Travel Credit annually, two complimentary Qantas Club lounge invitations each year, and comprehensive travel insurance.
Why it appeals to travellers: This card turns grocery runs and coffee stops into points that fuel your next escape, with uncapped earning potential perfect for those logging miles both at home and abroad.
Sarah, a Melbourne-based travel blogger and Qantas loyalist, told Carousel Bondi, “I’ve redeemed over 100,000 points from my Amex Ultimate for a business class upgrade to Europe—it’s made my long flights feel like a luxury retreat!”
2. Qantas Premier Titanium Credit Card
Top pick for premium Qantas travellers
For high-flyers seeking elite status and luxury perks, the Qantas Premier Titanium Credit Card stands out with its generous 150,000 bonus Qantas Points for new cardholders who spend $5,000 in the first three months (terms apply).
It earns 1.25 Qantas Points per $1 on everyday spend, with a $1,200 annual fee offset by premium benefits like two complimentary Qantas First Lounge invitations annually, 20% bonus Status Credits on eligible Qantas flights, and complimentary travel insurance.
Why it appeals to travellers: The focus on status acceleration and first-class lounge access elevates your journeys, making it a must for those who prioritise comfort and exclusivity on international trips.
Mark, a Sydney executive who flies frequently for work, says: “The Titanium card’s bonus points and lounge perks have turned my business travel into something I actually look forward to—I’ve used them for family holidays to Fiji without dipping into savings.”
3. ANZ Frequent Flyer Black Credit Card
Top pick for bonus points enthusiasts
If maximising sign-up rewards is your goal, the ANZ Frequent Flyer Black Credit Card delivers up to 130,000 bonus Qantas Points plus $200 back—90,000 points after spending $6,000 in the first 120 days, and 30,000 more after your first purchase in year two (terms apply).
Earn 1 Qantas Point per $1 up to $7,500 per statement period, then 0.5 points thereafter, with a $425 annual fee. Perks include two Qantas Club lounge invitations yearly, international travel insurance, and 24/7 concierge service.
Why it appeals to travellers: The substantial bonus can cover multiple domestic flights or upgrades, ideal for adventurers planning frequent getaways while enjoying concierge-assisted bookings.
Emma, a Brisbane-based adventure seeker, notes: “That huge bonus from my ANZ Black card funded a spontaneous trip to the Great Barrier Reef—it’s like having a travel fund that builds itself!”
4. NAB Qantas Rewards Signature Card
Top pick for high spenders
Suited to those with larger budgets, the NAB Qantas Rewards Signature Card provides up to 120,000 bonus Qantas Points for eligible new cardholders, with an earn rate of up to 1 point per $1 spent (terms apply).
The $395 annual fee comes with benefits like complimentary travel insurance, Visa Premium Access for exclusive events, and a 24/7 concierge to streamline your trips.
Why it appeals to travellers: Uncapped points on high spending mean more rewards for globetrotters funding big adventures, from multi-stop itineraries to hotel redemptions.
David, a Perth photographer who travels for shoots, comments: “As a high on spend for gear and flights, the NAB Signature’s points have let me redeem for upgrades to Asia—it’s boosted my creative escapes immensely.”
5. CommBank Ultimate Awards Credit Card (Qantas)
Top pick for fee savvy jet-setters
For travellers avoiding extra costs abroad, the CommBank Ultimate Awards Credit Card with Qantas opt-in earns up to 1.2 Qantas Points per $1 at major supermarkets, department stores, and petrol stations, with no international transaction fees on purchases.
No annual fee if you spend $4,000 monthly; otherwise, $35 per month plus a $90 Qantas opt-in fee. Includes complimentary international travel insurance and two lounge passes annually.
Why it fits travellers: Fee-free overseas spending keeps more points in play for redemptions like Qantas Marketplace hotels, perfect for those wandering international destinations.
Lisa, an avid Sydney foodie and weekend explorer, adds: “Switching to the CommBank Ultimate has saved me hundreds on fees during Europe trips, turning those savings into points for more culinary adventures Down Under.”
Choosing the right card to upgrade your next trip with Qantas
Selecting among the best Qantas points credit cards boils down to your habits: Opt for everyday earning if daily spend drives your points, or premium options for lounge luxury and status.
With bonuses reaching 150,000 points, these cards can unlock flights worth thousands, but factor in fees, interest rates (around 20-24% p.a.), and whether you’ll clear balances monthly. Qantas Points don’t expire with activity, so build them wisely for that bucket-list journey.
Before applying, assess your finances and review provider terms, as eligibility (e.g., income requirements) applies. Consult a financial advisor for tailored advice.
Disclaimer: Offers and terms are subject to change. Always verify with issuers for current details.
