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The Highest Earning Qantas Credit Cards In 2021

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Tom Goward | 23/09/2021

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What’s the best credit card to earn Qantas Points? It’s one of our most received questions at Flight Hacks, and for good reason. Being armed with a great Qantas credit card opens up a world of travel possibilities. Naturally, the answer isn’t conclusive, but most of the time people are interested in a Qantas Frequent Flyer credit card that comes with a massive sign-up bonus. However, there are times when this isn’t the case.

For some, the sign-up bonus is somewhat irrelevant compared to a card’s earn rate. Big spenders who put everything on their frequent flyer credit card can often earn more from a high earn rate than churning sign-up bonuses.

In this guide, we list Qantas Credit Cards with a high earn rate, and review our top picks for 2021.

CardAnnual FeeBase Rate CapBase Earn RateCapped Earn RateInternational PurchasesSupermarketsPetrol StationsAdditional on QF Spend
Woolworths Qantas Platinum$169uncapped0.5-0.510.5-
Westpac Altitude Qantas Platinum$200uncapped0.5-0.50.50.5-
Westpac Altitude Qantas Black$300uncapped0.75-0.750.750.75-
St.George Amplify Qantas Rewards$79uncapped0.5-0.50.50.5-
St.George Amplify Qantas Platinum$99uncapped0.5-0.50.50.5-
St.George Amplify Qantas Signature$279uncapped0.75-0.750.750.75-
Qudos Bank Platinum Visa$249$2,50010.51111
Qantas Premier Titanium$1,200$12,5001.250.521.251.252
Qantas Premier Platinum$299$10,00010.51.5111
Qantas Premier Everyday Card$49$3,0000.750.410.750.751
NAB Qantas Rewards Signature$395$5,00010.51111
NAB Qantas Rewards Premium$250$3,0000.660.330.660.660.661
HSBC Platinum Qantas$99$1,00010.5111-
Bankwest Qantas World$270$5,00010.5111-
Bankwest Qantas Platinum$160$2,5000.750.30.750.750.75-
Bank SA Amplify Qantas Rewards$79uncapped0.5-0.50.50.5-
Bank SA Amplify Qantas Platinum$99uncapped0.5-0.50.50.5-
Bank SA Amplify Qantas Signature$279uncapped0.75-0.750.750.75-
Bank of Melbourne Amplify Qantas Rewards$79uncapped0.5-0.50.50.5-
Bank of Melbourne Qantas Platinum$99uncapped0.5-0.50.50.5-
Bank of Melbourne Qantas Signature$279uncapped0.75-0.750.750.75-
Bank Australia Qantas Platinum$189$20,0000.75-0.750.750.751
ANZ Frequent Flyer$95$5000.50.250.50.50.51
ANZ Frequent Flyer Platinum$295$3,0000.750.50.750.750.751
ANZ Frequent Flyer Black$425$7,50010.51111
Qantas American Express Discovery$0uncapped0.75-0.750.750.751
Qantas Amex Premium$249uncapped1-1111
Qantas Amex Ultimate$450uncapped1.25-1.251.251.251
David Jones American Express$99uncapped0.5-0.51.51.5-
David Jones American Express Platinum$295uncapped0.5-0.51.51.5-
Commbank Awards Qantas$89-0.4-0.40.40.4-
Commbank Platinum Awards Qantas$279-0.4-0.40.40.4-
Commbank Diamond Awards Qantas$379-0.5-0.50.50.5-
Commbank Ultimate Awards Qantas$379$10,0000.40.21.20.80.8-
Bendigo Bank Qantas Platinum$149-0.6-0.60.60.6-
Citi Premier Qantas$175-0.5-10.50.5-
Citi Prestige Qantas$749-0.5-1.511-

Qantas Premier Titanium

Annual Fee: $1,200

Earn Rate:

  • 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter
  • 2 Qantas Points per AU$1 equivalent spent on international purchases
  • 2 additional Qantas Points per $1 spent with Qantas

Cardholder Benefits:

  • 150,000 bonus Qantas Points after spending $5,000 within 3 months of approval
  • 10% off the base fare of eligible Qantas flights for up to 2 travellers twice a year
  • Two Qantas First lounge invitations for Qantas First Lounges in Sydney, Melbourne or Los Angeles
  • Two domestic Qantas Club or Qantas International Business lounge invitations
  • 20% bonus Status Credits when you book Qantas flights using your card
  • Qantas Wine Premium membership
  • Up to 20,000 Qantas Points per year through the Qantas Wellbeing App

Qantas Premier Titanium

Qantas American Express Ultimate

Annual Fee: $450

Earn Rate:

  • 2.25 Qantas Points per $1 spent on eligible Qantas products and services
  • 1.25 Qantas Points per $1 spent on card purchases
  • 0.5 Qantas Points per $1 spent on purchases at government bodies in Australia

Cardholder Benefits:

  • 110,000 bonus Qantas Points and $200 after spending $3,000 in the first 3 months
  • $450 annual Qantas travel credit for use via American Express Travel
  • Two American Express Lounge entries per year
  • Two Qantas Club lounge invitations each year after purchasing eligible Qantas products and services
  • Qantas Wine Premium membership

Help us help you by applying for the Qantas Amex Ultimate card here.

American Express Qantas Ultimate Credit Card

Qantas American Express Premium

Annual Fee: $249

Earn Rate:

  • 2 Qantas Points per $1 spent on eligible Qantas products and services
  • 1 Qantas Points per $1 spent on card purchases
  • 0.5 Qantas Points per $1 spent on purchases at government bodies in Australia

Cardholder Benefits:

  • 33,000 bonus Qantas Points after spending $3,000 in the first 3 months
  • Two Qantas Club lounge invitations each year after purchasing eligible Qantas products and services
  • Qantas Wine Premium membership

Help us help you by applying for the Qantas Amex Premium card here.

Qantas American Express Premium

Citi Prestige Qantas

Annual Fee: $749

Earn Rate:

  • 1.5 Qantas Points per $1 spent on eligible international purchases
  • 1.5 Qantas Points per $1 spent on purchases with major airlines, hotel chains and restaurants in Australia
  • 1 Qantas Point per $1 spent on purchases with major supermarkets, petrol outlets and national retailers
  • 0.5 Qantas Points per $1 spent on other eligible domestic purchases

Cardholder Benefits:

  • 100,000 bonus Qantas Points when you spend $7,500 on eligible purchases within 60 days from approval
  • Priority Pass lounge access for you and one guest
  • 4th night free when you book four consecutive nights at a range of hotels
  • Luxury car transfers up to the value of $100 in selected cities across Australia
  • A complimentary bottle of wine at any of Citi’s partner restaurants in Australia

Citi Prestige Qantas

Qantas Premier Platinum

Annual Fee: $299

Earn Rate:

  • 1 Qantas Points per $1 up to $10,000 per statement period and 0.5 thereafter
  • 1.5 Qantas Points per AU$1 equivalent spent on international purchases
  • 1 additional Qantas Points per $1 spent with Qantas

Cardholder Benefits:

  • 80,000 bonus Qantas Points when you spend $4,000 or more within 3 months
  • 80 bonus Status Credits when you make an eligible purchase by 31 October 2021
  • Up to 20% off selected Qantas domestic flights for up to 9 people, once per year
  • Two domestic Qantas Club or Qantas International Business lounge invitations

Qantas Premier Platinum Credit Card

NAB Qantas Rewards Signature

Annual Fee: $396

Earn Rate: 1 Qantas Point per $1 spent up to $5,000 then 0.5 Qantas Points per $1 spent from $5,001 to $20,000

Cardholder Benefits:

  • 90,000 bonus Qantas Points when you spend $3,000 in the first 60 days, plus an additional 20,000 Qantas Points when you
  • keep your card open for over 12 months

Help us help you by applying for the NAB Qantas Rewards Signature card here.

NAB Qantas Rewards Signature Visa

Westpac Altitude Qantas Black

Annual Fee: $300

Earn Rate: 0.75 Qantas Points per $1 spent on eligible purchases

Cardholder Benefits:

  • Up to 120,000 bonus Qantas Points (90K after spending $4,000 within 90 days, plus 30K after the first eligible purchase in year 2)
  • Existing Westpac customers save $100 on their first-year annual card fee
  • Two Qantas Club lounge passes each year

Westpac Altitude Black

St. George Amplify Qantas Signature

Annual Fee: $279

Earn Rate: 0.75 Qantas Points per $1 spent on eligible purchases

Cardholder Benefits:

  • 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 90 days from new card approval
  • Two Qantas Club lounge passes each year

St. George Amplify Signature

ANZ Frequent Flyer Black

Annual Fee: $425

Earn Rate: 1 Qantas Point per $1 spent up to $7,500 per statement period, 0.5 thereafter

Cardholder Benefits:

  • 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months
    Two Qantas Club lounge passes each year

 

ANZ Frequent Flyer Black credit card

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Tom Goward

Flight Hacks editor with a passion for aviation and travel

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