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Frequent Flyer & Travel Credit Cards

Are you a member of or ready to join a frequent flyer program like Qantas Frequent Flyer or Velocity Frequent Flyer? Get a frequent flyer credit card and earn points as you spend, including on everyday expenses. You'll be able to redeem points that you earn on a wide variety of benefits including flights, hotels and transport.

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The best credit card for you is dependent on which travel rewards program you are a member of. Combine our filters and you'll find one that offers you the benefits you need. For example, are you looking for a Qantas credit card with complimentary travel insurance? View your options here.

If aren't a member of any frequent flyer program yet, you might want to consider which features matter the most to you before choosing a card and its accompanying rewards program. If you travel overseas frequently or shop online from global retailers, you may prefer a card with no international transaction fees.

If you're travelling and worried about losing your cards or would simply prefer to carry less with you, consider cards that allow contactless payments through your phone or other devices. If you have an iPhone or Android phone, look for cards that have Apple Pay or Google and Samsung Pay. If you use a wearable device like a Fitbit or Garmin watch, be completely hands free and get a card that has Fitbit Pay or Garmin Pay.

The Rates & Fees group of filters is also useful, as the overall cost of the card will be dependent on various costs such as the Annual Fee and Purchase Rate. As the ability to earn points is considered a feature by financial companies, this often comes at the cost of higher annual fee so make sure you choose one with an annual fee that you're comfortable with.

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Latitude 28 Degrees Global Platinum Mastercard
Purchase Rate21.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 21.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • No Annual Fee

  • No International Transaction Fees

  • No Currency Conversion Fees

  • Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)

  • Website and app experience seen as sub-par


Qantas American Express Discovery
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 44 days
  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)


Qantas American Express Ultimate
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $450 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months.
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere


Coles Rewards Mastercard
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • 50,000 Bonus Points when you apply by 30 September 2019 and spend $1,500 in the first 3 months

  • No International Transaction Fee

  • Earn 2 flybuys Points per $1 on eligible spend

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 0% p.a. on balance transfers for 6 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee


Commonwealth Bank Diamond Awards
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • Annual Fee: $349 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : 120,000 Bonus Awards Points when you apply by 31 October and spend $6,000 by 31 January 2020.
  • 120,000 Bonus Awards Points if you apply by 31 Oct 2019 and spend $6,000 by 31 Jan 2020

  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • Cashback offers with Mastercard Travelers Rewards

  • $349 Annual Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000


American Express Platinum Edge
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $50,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $195 p.a.
  • Interest Free Period : 55 days
  • $200 Travel Credit each year

  • Earn up to 3 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Complimentary Travel Insurance

  • Add up to 4 Cards at no additional cost

  • $195 Annual Fee

  • 1% Balance Transfer Fee


Bankwest Zero Platinum MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $65,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Fee

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • 2.99% p.a. on Balance Transfers for the first 9 months

  • No attached rewards program


BankWest Zero MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee


Commonwealth Bank Platinum Awards
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • Annual Fee: $249 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 100,000 Bonus Awards Points when you apply by 31 October and spend $4,000 by 31 January 2020.
  • 100,000 Bonus Awards Points if you apply by 31 Oct 2019 and spend $4,000 by 31 Jan 2020

  • Earn 1 Awards point for every $1 spent

  • International Travel Insurance included

  • $249 Annual Fee

  • 3% International Transaction Fee

  • Points are capped at 150,000 points per year


American Express Platinum
Purchase Rate-
Annual Fee$1,450 p.a.
Interest Free Period 44 days
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income : $100,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $1,450 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive up to 150,000 Membership Rewards Points (50,000 points for each month you spend $1,500 in the first 3 months)
  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000


ANZ Frequent Flyer Platinum
Purchase Rate19.99% p.a.
Annual Fee$295 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $295 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 50,000 bonus Qantas Points when you spend $2,000 in the first 3 months.
  • 0.75 points per $1 for the first $3,000 each statement period

  • Travel insurance and shopping insurance available

  • 50,000 bonus Qantas Points and $100 back when you spend $2,000 in the first 3 months

  • Points earn rate reduced to 0.5 after $3,000 per statement period

  • $295 annual fee, plus $65 for additional cardholders


ANZ Frequent Flyer
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $95 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • 25,000 bonus Qantas Points when you spend $1,000 in the first 3 months

  • Accessible $1,000 minimum credit limit

  • Low points earn rate (0.5 per $1 up to $500, 0.25 above $500 per statement period)

  • $65 additional cardholder fee


Qantas Premier Platinum
Purchase Rate19.99% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $149 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive up to 120,000 Qantas Points (20,000 points each month when you spend $1,500 each month for the first 6 months)
  • Reduced First Year Annual Fee : $199.00
  • Up to 120,000 Bonus Qantas Points on offer if you apply by 31 October 2019

  • Earn up to 1.5 Qantas Points per $1 spent

  • 0% p.a. on Balance Transfers for 18 months

  • Complimentary Travel Insurance & Complimentary Lounge Invitations each year

  • $199 Annual Fee in your first year, $299 Annual Fee in subsequent years

  • 3% International Transaction Fee

  • Minimum spend of $1,500 per month is required to receive 20,000 Bonus Qantas Points each month for 6 months


Citibank Citi Rewards Signature
Purchase Rate20.99% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $100,000
  • Minimum Income : $75,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $395 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee : $199.00
  • Up to 120,000 Bonus Rewards Points on offer

  • 0% p.a. on Balance Transfers for 15 months

  • Earn up to 2 Citi Rewards Points per $1 spent

  • Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

  • Complimentary International Travel Insurance and Two Airport Lounge Passes each year

  • High $199 Annual Fee in the first year & $395 for each subsequent year

  • 1% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000


Virgin Australia Velocity Flyer
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Earn up to 75,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months).
  • Introductory Rate : 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee : $64.50
  • Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2019

  • $129 Virgin Australia Gift Voucher each year

  • Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period

  • 3.3% International Transaction Fee

  • Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period


Qantas Premier Everyday
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $30,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $49 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Earn up to 42,000 bonus Qantas points (7,000 points per month when you spend $1000 or more per month for the first 6 months)
  • Reduced First Year Annual Fee : $29.00
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 0% p.a. on Balance Transfers for 12 months

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months


Jetstar Mastercard
Purchase Rate14.99% p.a.
Annual Fee$69 p.a.
Interest Free Period At least 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $30,000
  • Rewards Program: Jetstar Dollars and Qantas Frequent Flyer
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $69 p.a.
  • Interest Free Period : At least 55 days
  • Reduced First Year Annual Fee : $0.00
  • Flexibility to choose between Jetstar Dollars or Qantas Frequent Flyer rewards

  • Low 14.99% purchase rate

  • No booking fees on jetstar.com

  • $69 annual fee after the first year

  • Relatively low QFF points earn rate (0.5 points per $1)

  • $10,000 spend required to receive a $100 Jetstar travel voucher


NAB Qantas Rewards Premium
Purchase Rate19.99% p.a.
Annual Fee$250 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $250 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 30,000 Bonus Points when you spend $2,500 on everyday purchases within 60 days of account opening
  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening

  • Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

  • 0% on Balance Transfers for 6 months

  • Seven complimentary insurances including Overseas Travel Insurance

  • $250 Annual Fee

  • 3% International Transaction Fee

  • 2% Balance Transfer Fee

  • Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period


Virgin Australia Velocity High Flyer
Purchase Rate20.74% p.a.
Annual Fee$289 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $289 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Earn up to 100,000 bonus Velocity Points (25,000 Points each month when you spend $3,000 or more in the first 3 months and 25,000 Points after your first anniversary).
  • 100,000 Bonus Velocity Points on offer (see Details below)

  • Earn 1 Velocity Point per $1 spent up to $8,000 per statement period

  • $129 Virgin Australia Gift Voucher and Two Single Entry Virgin Australia domestic Lounge passes each year

  • Complimentary Travel Insurance

  • $289 Annual Fee

  • Minimum Credit Limit of $15,000

  • Minimimum Income requirement of $75,000

  • 3.3% International Transaction Fee


Citibank Citi Signature Qantas
Purchase Rate21.49% p.a.
Annual Fee$444 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 21.49% p.a.
  • Annual Fee: $444 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
  • Reduced First Year Annual Fee : $0.00
  • Up to 150,000 Bonus Qantas Points on offer

  • $49 Annual Fee in your first year

  • Earn up to 1 Qantas Point per $1 spent

  • 0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

  • Complimentary Insurances, including International Travel Insurance

  • $444 Annual Fee after your first year

  • Minimum Credit Limit of $15,000

  • 3.4% International Transaction Fee


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