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Frequent Flyer Credit Cards

For some people, applying for a credit card isn’t just about managing their finances, it’s about cheaper travel. Frequent flyer credit cards can be a great way to boost your points balance. By paying off your card within the interest-free period every time, it’s also a cheap way to do it.

*iSelect (through its wholly owned subsidiary, Tyrian Pty Ltd) and Fair Comparison Pty Ltd (which operates this credit product comparison) may receive a commission if users click through, apply, or successfully qualify, for a loan or credit card product from or through a provider.

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  • Default
  • Rewards Rate
  • Longest Purchase Period
  • Longest Balance Transfer Period
  • Lowest Cash Advance Rate

Fair Comparison compares loan products from a range of banks and other financial or credit product providers and does not compare all products in the market or all product features. To filter the results, you will need to enter some basic information which will generate a comparison of products that fall within those parameters. The default ordering of products is based on reward rate. Fair Comparison do not take into account your objectives, financial situation or needs, or provide advice, assistance or recommendations.

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Product Image For American Express - The American Express Velocity Platinum Card

American Express - The American Express Velocity Platinum Card

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Bonus

60,000 bonus points

Program

Velocity Frequent Flyer

Rewards Rate One

2.25 point(s) per AUD$1
On spent on eligible purchases with Virgin Australia

Purchase Rate

23.99% p.a.
60,000 bonus Velocity Points when $3,000 is spent within the first 3 months.
Product Image For American Express - The Qantas American Express Ultimate Card

American Express - The Qantas American Express Ultimate Card

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Bonus

90,000 bonus points

Program

Qantas Frequent Flyer

Rewards Rate One

2.25 point(s) per AUD$1
On spent on eligible Qantas products and services

Purchase Rate

23.99% p.a.
Receive 90,000 bonus Qantas Points when you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. Offer available to new Card Members only.
Product Image For Citi - Premier Credit Card - Velocity offer

Citi - Premier Credit Card

Velocity offer

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Bonus

100,000 bonus points

Program

Velocity Frequent Flyer

Rewards Rate One

2 point(s) per AUD$1
On online spend up to 200,000 point(s) per year

Purchase Rate

21.49% p.a.
An annual fee of $150 and a purchase interest rate of 21.49% p.a..
Product Image For American Express - The Qantas American Express Premium Card

American Express - The Qantas American Express Premium Card

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Bonus

20,000 bonus points

Program

Qantas Frequent Flyer

Rewards Rate One

2 point(s) per AUD$1
On spent on eligible Qantas products and services

Purchase Rate

23.99% p.a.
20,000 Qantas Points when $3,000 is spent on a new card in the first 3 months.
Product Image For American Express - The Qantas American Express Discovery Card

American Express - The Qantas American Express Discovery Card

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Bonus

N/A

Program

Qantas Frequent Flyer

Rewards Rate One

1.75 point(s) per AUD$1
On spent on eligible Qantas products and services

Purchase Rate

23.99% p.a.
A $0 annual fee and 0.75 Qantas Points for every $1 spent.
Product Image For American Express - The American Express Velocity Escape Card

American Express - The American Express Velocity Escape Card

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Bonus

N/A

Program

Velocity Frequent Flyer

Rewards Rate One

1.75 point(s) per AUD$1
On spent on eligible purchases with Virgin Australia

Purchase Rate

23.99% p.a.
An annual fee of $0 and earns Velocity Points through purchases.
Product Image For CommBank - Ultimate Awards credit card - Qantas Reward Points

CommBank - Ultimate Awards credit card

Qantas Reward Points

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Bonus

N/A

Program

Qantas Frequent Flyer program

Rewards Rate One

1.2 point(s) per AUD$1
On eligible purchases

Purchase Rate

20.99% p.a.
An annual fee of $420 and a purchase interest rate of 20.99% p.a.
Product Image For Citi - Rewards Credit Card   - Velocity offer

Citi - Rewards Credit Card

Velocity offer

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Bonus

80,000 bonus points

Program

Velocity Frequent Flyer

Rewards Rate One

1 point(s) per AUD$1
On domestic spend up to $10,000 per statement

Purchase Rate

21.49% p.a.
80,000 Velocity Points when $5,000 is spent on eligible purchases within 90 days from card activation.
Product Image For ANZ - Frequent Flyer Black Credit Card

ANZ - Frequent Flyer Black Credit Card

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Bonus

90,000 bonus points

Program

Qantas Frequent Flyer

Rewards Rate One

1 point(s) per AUD$1
On eligible purchases up to $7,500 per statement

Purchase Rate

20.99% p.a.
Earn up to 90,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black.
Product Image For Bankwest - Qantas World Mastercard

Bankwest - Qantas World Mastercard

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Bonus

N/A

Program

Qantas Frequent Flyer

Rewards Rate One

1 point(s) per AUD$1
On eligible purchases

Purchase Rate

19.99% p.a.
Earn 1 Qantas Point for every dollar spent on everyday purchases. The Qantas Frequent Flyer membership fees are waived.

What is a frequent flyer credit card?

A frequent flyer credit card is just a credit card from a financial provider. The difference is, a frequent flyer credit card is linked to your frequent flyer scheme and will provide a certain amount of frequent flyer points for every dollar spent.

Frequent flyer credit cards often have an annual fee, which can vary from as little as $35 to, a more substantial, $1,200. The fee charged is generally directly related to the rewards given, as well as other services which the card may offer.

How do frequent flyer credit cards work?

Frequent flyer credit cards work just the same as other cards, the only difference is that when taking out the card, you may have provided details of the frequent flyer scheme that you’re a member of. Then, each time you make a purchase, points will be added to your frequent flyer balance.

The amount of points you earn per dollar varies. Generally, but not always, earning more points per dollar can involve paying a higher annual fee. So, you need to work out if the value of the points you’ll earn exceeds the dollar value of the annual fee.

Can I redeem my points on anything else

If you have a frequent flyer credit card, then your redemption options will be limited to what’s offered by your frequent flyer program. Some of them have options to purchase goods from them with your points. That’s a good option if it’s unlikely you’ll be flying anywhere in the near future.

Other rewards credit cards give you options to use your points, these include things like:

  • gift cards;
  • retail merchandise;
  • household items;
  • technology; and
  • movie or entertainment vouchers.

How do I choose a frequent flyer credit card?

The choice you make will depend on just how important earning extra frequent flyer points is to you. For some, it will be just nice to know that the rewards are going to something they care about, others may have a serious goal to earn as many points as they can.

What other features are worth considering when comparing frequent flyer credit cards?

  • What is the interest rate on purchases made, if not paid off on-time?
  • How many points do you earn per dollar with a given card?
  • What is the annual fee and is a higher fee worth the extra points?
  • A frequent flyer credit card may have higher interest rates than some. Can you budget to pay off your balance within the interest-free period each month?
  • Does the credit card come from a provider who you are happy to deal with?
  • Are the points offered per dollar likely to change over time?
  • Can you earn points if you transfer a balance from a previous credit card?
  • What is the minimum repayment required each month?
  • Is there a fee for transferring an existing balance to your new credit card?
  • Is there a fee for atm withdrawals with your card?

Banks and other credit card providers will often offer incentives to encourage you to sign up with them. One of the most popular schemes is linking your card to your preferred frequent flyer scheme. These rewards can be very attractive, but can also come with a cost, so it’s wise to know what you’re getting into before you sign on the dotted line.

Banks and other credit card providers will often offer incentives to encourage you to sign up with them. One of the most popular schemes is linking your card to your preferred frequent flyer scheme. These rewards can be very attractive, but can also come with a cost, so it’s wise to know what you’re getting into before you sign on the dotted line.

What are the pros and cons of a frequent flyer credit card?

As always, opting to go with a frequent flyer credit card or not, is a case of balancing your individual needs, as well as the various pros and cons.

Pros:

  • If you’re a frequent credit card user, you can earn points for your existing spending habits.
  • Some cards will offer extra points for certain purchases.
  • It can be an inexpensive way to boost your point balance.

Cons:

  • Frequent flyer cards can come with higher interest rates.
  • There may be a higher annual fee.
  • The value of the points may be outweighed by the cost of higher interest and annual fees.

Ready to fly?

If you’re ready to compare frequent flyer credit cards, let iSelect be your pilot.* Start here with us online to see the range of providers by simply clicking on an option that suits you to begin your application.

Ready to fly?

If you’re ready to compare frequent flyer credit cards, let iSelect be your pilot.* Start here with us online to see the range of providers by simply clicking on an option that suits you to begin your application.

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