Compare Credit Cards that earn Qantas Points | Qantas Frequent Flyer AU (2024)

Earn 100,000 Qantas Points every year* with Qantas Money Home Loans

The home loan that comes with a great rate and 100,000 Qantas Points every year. Eligibility criteria, T&Cs apply.

70,000 Qantas Points with Citi Ready Credit

Citi Ready Credit is a line of credit with a predetermined limit that gives you access to funds when you need them. Earn 70,000 Qantas Points when you request the transfer of $5,000 or more to your bank account within 3 months of approval. Plus, enjoy a low rate of 8.9% p.a. for 5 years on the initial balance you request transferred to your bank account. Eligibility criteria, T&Cs, fees and charges apply. Rate reverts to standard variable rate.*

Be rewarded with La Trobe Financial

Earn up to 150,000 Qantas Points with the La Trobe Financial 12 Month Term Account

What is a credit card?

A credit card allows you to borrow money from a bank to make purchases. As long as you pay back the money you borrow within the interest-free period (usually between 45 and 55 days), you don’t have to pay any extra. If you don’t pay back the money within that time, interest will accrue. Besides offering greater spending power and financial flexibility, some credit cards also let you earn points on your spend - points you can then use to redeem for rewards, like flights, hotels and other products.

Differences between a credit and debit card

Different payment methods suit different situations, which is why many people have both a credit card and a debit card. The main difference between a credit card and a debit card is that with a debit card, you are spending your own money from your bank account; while a credit card allows you to borrow money and repay it later. Credit cards may also charge interest if you don’t pay your card off within the interest-free period.

Types of credit cards

There are two main types of credit cards - personal use credit cards and credit cards specially for business. The key difference is that business credit cards - as the name suggests - are designed for business use, while personal credit cards can be used by anyone. Within the personal use category, there are numerous types of credit cards that focus on different features and benefits, for example, low rate credit cards.

Which are the major credit card providers?

If you’ve been wondering which credit card provider to choose, for example, Visa, Mastercard or American Express; it pays to do a little comparative research to see which is the right one for you. All of the major banks including Westpac, ANZ, NAB CommBank and more, offer Qantas Points earning credit cards. Compare each bank’s card rates and benefits to determine which is the best card to suit your needs.

Other benefits to consider

When comparing the best credit card for you, other than the interest rate, other benefits you may want to consider include whether or not your card offers Lounge Invitations, what the currency conversion rate is and whether it offers travel insurance or travel credits/discounts.

Apple Pay, Google Pay and Samsung Pay

The three biggest options for mobile payment systems are Apple Pay, Google Pay and Samsung Pay. They all turn your smartphone (and some smartwatches) into a mobile wallet so you can pay for purchases without a physical credit card or cash. Google Pay is made for Android phones, Apple Pay works with iPhones and iPads, and Samsung Pay is geared for Samsung devices. Just go with the system you already use - that means Apple Pay if you have an iPhone and Google Pay or Samsung Pay if you have an Android device.

1. Click the ‘Sort by’ button to sort the cards in the order of your choosing

2. Click the ‘Filter’ button to add specific card features or benefits you want

3. Tick the ‘Compare’ box on up to 3 credit cards of your choice to view the relevant card information in the table