Qantas Frequent Flyer Credit Cards

One of the easiest ways to increase your frequent flyer points balance is to use a linked credit card, but you need to have the right card to get the maximum benefit.

Rewards programs have been popular with Australian credit card holders for many years. Many of the programs allow card holders to redeem their points for various items, however some allow you to earn Qantas Frequent Flyer points instead.

The concept of frequent flyer points is fairly straightforward. You earn points each time you fly, and you can use your accumulated points to earn free flights. Additionally, you can earn points for spending on a credit card linked to your Qantas Frequent Flyer membership.

Points per Dollar Spent

If you are considering a credit card linked to your frequent flyer membership, one of the main factors to look at is the number of points you will earn for each dollar spent.

Many people wrongly assume that each dollar spent on their credit card will equal one frequent flyer point, however the difference from one card to the next can actually be quite dramatic.

Generally the cards with higher annual fees will attract the highest number of points per dollar spent. For example the Westpac Earth MasterCard gives only 0.5 points per dollar spent, whilst the Qantas American Express Ultimate card gives 1.5 points per dollar spent.

As we can see the American Express card rewards card holders with three times as many points as the Westpac card, however the $450 annual fee on the American Express card is a whopping six times larger than the $75 annual fee of the Westpac card.

Which is the better card really depends on your own spending habits. A person with a large monthly spend may benefit more from the American Express card, whilst a person with a smaller monthly spend may be better off with the Westpac card.

Interest Rates and Fees

Credit cards that link to Qantas Frequent Flyer memberships will generally attract higher fees and interest rates than cards that have no rewards program.

Many Australians do benefit from the frequent flyer points earned on their credit cards, but for some people it may be a better option to go with a low rate credit card without all the extra features.

If your monthly credit card spend is low, you may not be earning enough points to make the higher fees and interest charges worthwhile.

Choosing a Qantas Frequent Flyer Credit Card

Once you have determined that a frequent flyer credit card is right for you, the next step is to choose the card which will be most appropriate for your needs.

Finding a card with low fees and interest may seem like a good start, but not if it’s going to restrict your ability to earn points. As we saw earlier, the number of points earned per dollar spent does vary dramatically from card to card, so you need to take that into account before choosing based on the fees alone.

Some credit cards also have limits on the number of points you can earn per month or per year. Cards with higher fees tend to have higher points limits, and in some cases they can have no limit on points. This is a feature worth looking at if you are a high volume user of your card.

Qantas Frequent Flyer credit cards certainly have their advantages, however you need to do your homework to ensure you choose the right card for you.

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