Frequent Flyer Credit Cards

Earn up piles of bonus points with top card offers.

Reach your travel goal sooner with a top frequent flyer card. Plus, enjoy perks like travel credits, airport lounge passes and more.

How this page works: Browse this month’s featured card deals below. You have the option of clicking straight through to the secure card provider link to apply for the card. Alternatively, click ‘our review’ to read our detailed card write up and find out more. We may receive a commission if you apply and are approved for a card using a link from our site. Find out why you can trust us here.

Bonus Points
Up to 130,000 Qantas Points*
Annual Fee
$295 (reverts to $395 p.a after the first year)
Earn Rate
1 Qantas Point per $1 spent up to $5,000, then 0.5 points per $1 thereafter, capped at $20,000 per statement period
*Eligibility criteria, minimum spend, other T&Cs apply
Receive 130,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep your card open for over 12 months. Enjoy a reduced annual card fee (from $395 to $295) for the first year. NAB may vary or end this offer at any time.
Bonus Points
120,000 bonus Qantas Points + $200 back
Annual Fee
$425
Earn Rate
1 Qantas Point per $1 spent on eligible purchases (capped at $7,500 per statement period)
*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $425)
Earn 120,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black, when you spend $3,000 on eligible purchases in the first 3 months from approval.
Bonus Points
75,000 Qantas Points plus $150 back*
Annual Fee
$295
Earn Rate
0.75 Qantas Points per $1 spent on eligible purchases (capped at $3,000 per statement period)
*New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $295).
Receive 75,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Platinum when you spend $2,500 on eligible purchases in the first 3 months from approval.
Bonus Points
Up to 200,000 Membership Rewards points*New Card Members only.
Annual Fee
$1450
Earn Rate
Up to 2.25 Membership Rewards points per $1 spent
*Eligibility criteria, minimum spend, other T&Cs apply
Receive up to 200,000 Bonus Membership Rewards points – That’s 150,000 Bonus Membership Rewards Points when you apply online by 27 January 2021, are approved and spend $3,000 on your new Card within the first 3 months. Plus, an additional 50,000 Bonus Membership Rewards Points in Year 2 upon fee renewal. T&Cs apply. New Card Members only.
Bonus Points
55,000 Qantas Points*

New Card Members only
Annual Fee
$450
Earn Rate
1.25 Qantas Points per $1 spent, excl Govt bodies which earn 0.5 Qantas Points per $1 spent
*Eligibility criteria, minimum spend, other T&Cs apply
Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. New Card Members only.
Bonus Points
20,000 bonus Qantas Points
Annual Fee
$49
Earn Rate

0.75 Qantas Point per whole AU$1

*Eligibility criteria, minimum spend, other T&Cs apply
Earn 20,000 bonus Qantas Points by spending $3,000 or more on eligible purchases within 3 months of card approval. Offer ends 24 Feb 2021.
Bonus
50,000 Bonus Membership Rewards Points*

New Card Members only
Annual Fee
$195
Earn Rate
3 Membership Rewards points per $1 at major supermarkets & petrol stations, 2 points per $1 on overseas spend, and 1 point per $1 everywhere else
*Eligibility criteria, minimum spend, other T&Cs apply
Receive 50,000 Bonus Membership Rewards Points when you apply online by 27 January 2021, are approved and spend $1,500 on your new Card within the first 3 months. T&Cs apply. New Card Members only. Plus, receive a $200 Travel Credit each Card Membership year.
Bonus Points
Up to 150,000 Membership Rewards points*

New Card Members only
Annual Fee
$395
Earn Rate
2 Membership Rewards points per $1 on all purchases except Govt bodies where you will earn 1 point per $1 spent
*Eligibility criteria, minimum spend, other T&Cs apply
Receive up to 150,000 Bonus Membership Rewards points – That’s 120,000 Bonus Membership Rewards Points when you apply online by 27 January 2021, are approved and spend $3,000 on your new Card within the first 3 months. Plus, an additional 30,000 Bonus Membership Rewards Points in Year 2 upon fee renewal. T&Cs apply. New Card Members only. Plus, receive a $400 Amex Travel credit each year you hold the card.
Offer
0% p.a. interest on balance transfers for 26 months (1% BT fee applies)
Annual Fee

$0 first year annual fee (reverts to $129 in subsequent years)

Card Benefits

Earn up to 2 Rewards Plus points per $1 spent, get two airport lounge passes each year

*Eligibility criteria, minimum spend, other T&Cs apply
Cardholders also receive up to 55 days interest free on purchases. Plus, exclusive cardholder benefits including HSBC Instant Savings, Visa Premium and the Home&Away Privilege program can be accessed.
Bonus Points

New Card Members only
Annual Fee
$0
Earn Rate
0.75 Qantas Points per $1 spent on eligible purchases and 0.5 Qantas Points per $1 spent at Govt bodies in Australia
*Eligibility criteria, minimum spend, other T&Cs apply
Earn Qantas Points on your everyday spend without the hassle of an annual card fee. Get rewarded and save money with a range of American Express cardholder benefits.
Bonus Points
120,000 NAB Rewards points*
Annual Fee
$295
Earn Rate
1.25 NAB Rewards points per $1 spent on everyday purchases
*Eligibility criteria, minimum spend, other T&Cs apply
Receive 120,000 bonus NAB Rewards points when you spend $3,000 on everyday purchases in the first 60 days of account opening and keep your card open for over 12 months. NAB may vary or end this offer at any time.

Browse frequent flyer credit cards

Signing up for a frequent flyer credit card can be one of the easiest ways to build up your points and miles balance quickly.

Provided you pay it off in full each month, a frequent flyer credit card can help you to travel in style at low cost, by maximising the rewards you get for the things you already buy in your day-to-day life. With many credit cards now affiliated with frequent flyer programs, it’s easy to earn points if you’re in the know about the best cards to choose.

How does a frequent flyer credit card work?

Frequent flyer credit cards are linked to a loyalty program. There are a number of popular points and miles loyalty programs linked to rewards credit cards available in Australia. These loyalty programs include Qantas Frequent FlyerVelocity Frequent Flyer and American Express Membership Rewards.

A rewards credit card will generally offer a set number of points per $1 you spend (with some products offering up to 3 points per $1 in selected spend categories). By using a frequent flyer credit card on the things you purchase everyday, you can earn a significant number of points and miles. Selected credit cards also come with sign-on bonus points for new card members. Bonus points can help you to earn frequent flyer points quickly.

Does a frequent flyer credit card offer other benefits?

Yes, rewards credit cards often come with other benefits that can help to take the sting out of the annual fee and help you access cheap flights. These can include complimentary return flights, travel credits and airport lounge passes. A number of frequent flyer credit cards also offer complimentary travel insurance.

Are there downsides to consider when comparing frequent flyer credit cards?

Frequent flyer credit cards can come with valuable benefits, but there is a range of potential downsides to consider before you select a card. These include:

  • A high annual card fee. Many frequent flyer credit cards come with a high annual fee. When comparing credit card offers, consider whether you can use the card benefits and perks to offset the value of the annual fee. It is possible to obtain a $0 annual fee credit card. However, $0 annual fee credit cards usually include fewer rewards and a lower point per $1 earn rate when compared with higher tier rewards cards. It’s important to note that there can be a range of other fees and charges associated with credit cards.
  • A high-interest rate. Frequent flyer credit cards can often have high purchase interest rates. Rewards credit cards should only be used if you plan to pay off the full credit card balance each month. Otherwise, the interest you’ll incur could outweigh the value of the rewards.
  • Sign on bonus spend requirements. To take advantage of an introductory bonus point offer, you will generally need to spend a specific amount of money in a set period.

How many bonus points can I earn?

Credit card bonus points offers are offered throughout the year. Currently, the highest bonus point offer we have covered is 75,000 bonus Velocity points with the American Express Velocity Platinum Credit Card. The Champagne Mile does not provide information on all rewards cards and there are higher offers available.

Can a rewards credit card be linked directly with an airline?

Yes. In Australia, Virgin Australia and Qantas operate c0-brand credit cards through their loyalty schemes, Qantas Frequent Flyer and Velocity Frequent Flyer. With a Qantas Frequent Flyer credit card, points are generally credited directly to your account each month.

If you’re not yet a member of Qantas Frequent Flyer, you can join for free here.

Other airline loyalty programs that are popular in Australia include Singapore Airlines Krisflyer and Cathay Pacific Asia Miles. There is currently no direct-earning rewards card for Asia Miles in Australia, but points can be transferred across from AMEX Membership Rewards.

Is it possible to obtain a $0 annual fee rewards credit card?

Yes. There is a range of $0 annual fee frequent flyer credit cards available in Australia. It’s important to note that, $0 annual fee credit cards usually offer fewer rewards and card member benefits. Generally, these cards also offer a lower point or mile earn rate on day to day spend when compared with higher tier rewards cards that come with annual fees.

Will I lose my points or miles if I close my credit card?

If you hold a co-brand Velocity or Qantas Frequent Flyer credit card, this shouldn’t happen. The points that you earn are generally credited to your frequent flyer account each month. For AMEX Membership Rewards credit cards, however, you’ll need to transfer out or redeem points before you close your card. Either way, it’s helpful to speak with your credit card provider before you close your credit card to ensure you’re not going to lose out on any reward points.

Which rewards credit cards can I compare?

In Australia, American Express, Visa and Mastercard offer rewards credit cards, with a small range of Diners Credit Cards available through Citibank. Generally, acceptance of Visa and Mastercard is highest. However, American Express provides card members with high points earn rates and ongoing benefits.

The Champagne Mile only covers a small selection of credit cards available in Australia.

How can I maximise rewards from a frequent flyer credit card?

Once you’ve earned enough frequent flyer points or miles, it’s time to choose your reward. Popular redemption options include flights, flight upgrades, accommodation and gift cards.

Here at The Champagne Mile, we love to use frequent flyer points for first and business class flights and aspirational accommodation. From Qantas and Singapore Airlines first class, to a five-star stay in the desert, we try to get maximum value from rewards points. Get inspired by reading our range of in-depth reviews.

There are a number of frequent flyer credit cards available in Australia. Browse our range of rewards credit cards here.