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Are you a member of or ready to join a frequent flyer program like Qantas Frequent Flyer or Velocity Frequent Flyer? Get a frequent flyer credit card and earn points as you spend, including on everyday expenses. You'll be able to redeem points that you earn on a wide variety of benefits including flights, hotels and transport.
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The best credit card for you is dependent on which travel rewards program you are a member of. Combine our filters and you'll find one that offers you the benefits you need. For example, are you looking for a Qantas credit card with complimentary travel insurance? View your options here.
If aren't a member of any frequent flyer program yet, you might want to consider which features matter the most to you before choosing a card and its accompanying rewards program. If you travel overseas frequently or shop online from global retailers, you may prefer a card with no international transaction fees.
If you're travelling and worried about losing your cards or would simply prefer to carry less with you, consider cards that allow contactless payments through your phone or other devices. If you have an iPhone or Android phone, look for cards that have Apple Pay or Google and Samsung Pay. If you use a wearable device like a Fitbit or Garmin watch, be completely hands free and get a card that has Fitbit Pay or Garmin Pay.
The Rates & Fees group of filters is also useful, as the overall cost of the card will be dependent on various costs such as the Annual Fee and Purchase Rate. As the ability to earn points is considered a feature by financial companies, this often comes at the cost of higher annual fee so make sure you choose one with an annual fee that you're comfortable with.
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Latitude 28 Degrees Global Platinum Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
No Annual Fee
No International Transaction Fees
No Currency Conversion Fees
Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)
Website and app experience seen as sub-par
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
Commonwealth Bank Diamond Awards
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance
- Minimum Credit Limit : $15,000
- Maximum Credit Limit : $50,000
- Rewards Program: CommBank Awards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Earn 1.25 Awards Points per $1
International Travel Insurance included
Cashback offers with Mastercard Travelers Rewards
$349 Annual Fee
3% International Transaction Fee
Minimum Credit Limit of $15,000
ANZ Rewards Travel Adventures
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: ANZ Rewards and Velocity Frequent Flyer
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval
Complimentary return domestic flight and two Virgin Australia lounge passes each year
No Overseas Transaction Fee on purchases
1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period
Complimentary Overseas Travel Insurance
Complimentary Extended Warranty Insurance and Purchase Security Insurance
High $225 Annual Fee
Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)
Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period
Commonwealth Bank Platinum Awards
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $50,000
- Rewards Program: CommBank Awards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation
Earn 1 Awards point for every $1 spent
International Travel Insurance included
$249 Annual Fee
3% International Transaction Fee
Points are capped at 150,000 points per year
ANZ Frequent Flyer Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0.75 points per $1 for the first $3,000 each statement period
Travel insurance and shopping insurance available
50,000 bonus Qantas Points and $100 back when you spend $2,000 in the first 3 months
Points earn rate reduced to 0.5 after $3,000 per statement period
$295 annual fee, plus $65 for additional cardholders
ANZ Frequent Flyer
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
25,000 bonus Qantas Points when you spend $1,000 in the first 3 months
Accessible $1,000 minimum credit limit
Low points earn rate (0.5 per $1 up to $500, 0.25 above $500 per statement period)
$65 additional cardholder fee
NAB Qantas Rewards Premium
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening
Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period
0% on Balance Transfers for 6 months
Seven complimentary insurances including Overseas Travel Insurance
$250 Annual Fee
3% International Transaction Fee
2% Balance Transfer Fee
Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period
NAB Qantas Rewards Signature
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Sign up and receive up to 120,000 Qantas Points (see Details)
Points Earn Rate: 1 Qantas Point per $1 up to $5,000 per statement period
0% p.a. on Balance Transfers for 6 months
Seven Complimentary Insurances, including Overseas Travel Insurance
$395 Annual Fee
2% Balance Transfer Fee
3% International Transaction Fee
Minimum Credit Limit of $15,000
Macquarie Bank Platinum - Qantas Rewards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $50,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
ANZ Frequent Flyer Black
- Specifications
- Pros & Cons
- Benefits: Cashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Minimum Income : $75,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
100,000 Bonus Qantas Points and $200 cashback on offer
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period
Complimentary Travel and Shopping Insurances
Two complimentary Qantas Club Lounge invitations every year
$425 Annual Fee
Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
Westpac Altitude Business Gold
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Income : $30,000
- Rewards Program: Qantas Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0% Annual Card Fee for the first year
Earn up to 1 Altitude Point per $1 spent on eligible business purchases
Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance
Complimentary Travel and Purchase-related Insurances
$150 Annual Card Fee after the first year
3% Foreign Transaction Fee
Macquarie Bank Platinum - Macquarie Rewards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $50,000
- Rewards Program: Macquarie Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay