Frequent flyer credit cards for Australia

Compare and apply for your new frequent flyer credit card and earn points.

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These frequent flyer point earning credit cards are all worth considering if you’re looking for a new frequent flyer or credit card points program card to ensure you’re earning the most points from your everyday spending. Frequent Flyer Credit Cards showcases a number of the best offers for American Express, Visa & Mastercard branded Credit Cards, along with in-depth guides to each card.

Note: Frequent Flyer Credit Cards does not show all credit cards in the market, or all rewards-program linked cards. Many of these cards will offer a commission to us for sending you their way – you can read more about the policies on referrals here. The information here does not constitute personalised advice relevant to your financial circumstances.

American Express Frequent Flyer Credit Cards

Credit cardBonus pointsEarn rateAnnual fee ($)ExpiryLearn more

American Express
Platinum Business
200,000 Membership Rewards Points2:1$1,750 p.a.OngoingApply now
on American Express’
website

American Express Platinum
150,000 Membership
Rewards Points
2:1$1,450 p.a.OngoingApply now
on American Express’
website

ANZ Rewards Black
180,000 ANZ
Rewards Points
3:1$375 p.a.No current offer end dateApply now
on American Express’
website

Westpac Altitude Black
140,000 Altitude Points3:1$150 for the first year,
$295 p.a.
1 November 2023Apply now
on American Express’
website

NAB Rewards Signature
Up to 140,000 NAB
Rewards Points
3:1$295 p.a.No current offer end dateApply now
on American Express’
website

American Express Explorer
50,000 Membership
Rewards Points
2:1$395 p.a.OngoingApply now
on American Express’
website

Qantas Frequent Flyer Credit Cards

Credit cardBonus pointsEarn rateAnnual fee ($)ExpiryLearn more

American Express
Platinum Business
200,000 Membership Rewards Points2:1$1,750 p.a.OngoingApply now
on American Express’
website

American Express Platinum
150,000 Membership
Rewards Points
2:1$1,450 p.a.OngoingApply now
on American Express’
website

ANZ Rewards Black
180,000 ANZ
Rewards Points
3:1$375 p.a.No current offer end dateApply now
on American Express’
website

Westpac Altitude Black
140,000 Altitude Points3:1$150 for the first year,
$295 p.a.
1 November 2023Apply now
on American Express’
website

NAB Rewards Signature
Up to 140,000 NAB
Rewards Points
3:1$295 p.a.No current offer end dateApply now
on American Express’
website

American Express Explorer
50,000 Membership
Rewards Points
2:1$395 p.a.OngoingApply now
on American Express’
website

Velocity Frequent Flyer Credit Cards

Credit cardBonus pointsEarn rateAnnual fee ($)ExpiryLearn more

American Express
Platinum Business
200,000 Membership Rewards Points2:1$1,750 p.a.OngoingApply now
on American Express’
website

American Express Platinum
150,000 Membership
Rewards Points
2:1$1,450 p.a.OngoingApply now
on American Express’
website

ANZ Rewards Black
180,000 ANZ
Rewards Points
3:1$375 p.a.No current offer end dateApply now
on American Express’
website

Westpac Altitude Black
140,000 Altitude Points3:1$150 for the first year,
$295 p.a.
1 November 2023Apply now
on American Express’
website

NAB Rewards Signature
Up to 140,000 NAB
Rewards Points
3:1$295 p.a.No current offer end dateApply now
on American Express’
website

American Express Explorer
50,000 Membership
Rewards Points
2:1$395 p.a.OngoingApply now
on American Express’
website

What is a Frequent Flyer Credit Card?

Frequent flyer credit cards are specially designed to cater to the needs of frequent travelers. These cards offer various benefits, including the ability to earn airline miles or points for every dollar spent on eligible purchases. The accumulated miles or points can then be redeemed for flights, seat upgrades, hotel stays, car rentals, and other travel-related expenses.

How Frequent Flyer Credit Cards Work

Frequent flyer credit cards work on a simple principle: the more you spend, the more rewards you earn. Each time you use your card for eligible purchases, you can earn a certain number of miles or points, typically based on a ratio of dollars spent. These rewards accumulate over time and can be redeemed with the respective airline or their partner airlines for various travel perks.

Benefits of Frequent Flyer Credit Cards

There are several benefits associated with frequent flyer credit cards that make them attractive for frequent travelers. Some of the key advantages include:

  1. Earn Travel Rewards: By using a frequent flyer credit card, you earn valuable rewards that can be redeemed for flights, hotel stays, and other travel-related expenses.
  2. Flight Upgrades: Many frequent flyer programs allow you to use your accumulated points to upgrade your seat class, providing you with a more luxurious and comfortable travel experience.
  3. Travel Insurance Coverage: Some frequent flyer credit cards offer travel insurance coverage, including trip cancellation insurance, lost baggage coverage, and emergency medical assistance.
  4. Airport Lounge Access: Certain credit cards provide complimentary access to airport lounges, allowing you to relax and unwind before your flight.
  5. Exclusive Offers: Frequent flyers often enjoy access to exclusive offers, such as discounts on flights, hotel bookings, and car rentals.

Choosing the Right Frequent Flyer Credit Card

With so many options available in the market, choosing the right frequent flyer credit card can be a daunting task. To help you make an informed decision, consider the following factors:

1. Airline Affiliation

If you have a preferred airline or frequently travel with a specific airline, it would be wise to choose a frequent flyer credit card affiliated with that airline. This allows you to maximize your rewards and enjoy additional perks such as priority boarding and free checked bags.

2. Reward Structure

Evaluate the reward structure of the credit card. Look for cards that offer a competitive earning rate, bonus points for specific spending categories, and flexible redemption options. Some cards also provide introductory bonus offers, which can significantly boost your rewards in the initial months.

3. Annual Fee

Consider the annual fee associated with the credit card. While some cards may have higher annual fees, they often come with additional benefits and higher earning potential. Assess whether the benefits justify the fee and align with your travel habits and spending patterns.

4. Interest Rates and Fees

It’s essential to review the interest rates and fees associated with the card, especially if you plan to carry a balance. Higher interest rates can negate the value of the rewards earned. Additionally, take note of foreign transaction fees, ATM withdrawal fees, and late payment charges.

5. Additional Perks

Apart from travel-related benefits, frequent flyer credit cards often offer additional perks like complimentary insurance coverage, free airport lounge access, concierge services, and exclusive discounts with partner merchants. Consider these extras, as they can enhance your overall travel experience.

Frequently Asked Questions

Can I earn frequent flyer points with any purchase using a frequent flyer credit card?

Yes, you can earn frequent flyer points with almost any purchase using a frequent flyer credit card. However, it’s important to note that not all purchases may be considered eligible for earning points. Cash advances, balance transfers, and certain government payments are typically excluded from earning points.

Can I transfer my frequent flyer points to another loyalty program?

In most cases, frequent flyer points can only be redeemed with the respective airline or its partner airlines. However, some credit cards offer the option to transfer points to other loyalty programs within a specific network, allowing you to maximize the value of your rewards.

Are there any restrictions on using frequent flyer points for flights?

While frequent flyer points can be redeemed for flights, there may be certain restrictions and blackout dates depending on the airline and availability of seats. It’s advisable to book well in advance and be flexible with your travel dates to increase your chances of securing flights using your points.

Do frequent flyer credit cards have an expiration date for earned points?

Most frequent flyer credit cards have a points expiration policy. The validity period can vary depending on the credit card issuer and the airline’s frequent flyer program. It’s important to familiarize yourself with the expiration policy and ensure you redeem your points before they expire.

Can I earn frequent flyer points on additional cardholders?

Some credit cards allow you to link an additional cardholder to your account. In such cases, any eligible purchases made by the additional cardholder can contribute to earning frequent flyer points. However, it’s essential to review the terms and conditions of the credit card to confirm this feature.

How do I keep track of my frequent flyer points?

Most credit card issuers provide an online portal or mobile app where you can track your frequent flyer points. Additionally, the respective airline’s frequent flyer program also has a dedicated portal or app that allows you to monitor your points balance, view upcoming trips, and manage your rewards.

Is it worth paying an annual fee for a frequent flyer credit card?

The value of paying an annual fee for a frequent flyer credit card depends on your travel habits and spending patterns. If you travel frequently and can take advantage of the associated benefits and rewards, paying an annual fee may be worthwhile. It’s crucial to evaluate the benefits against the fee and determine if it aligns with your financial goals.

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