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Best 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.
Read More...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.
38 listings
3.8 from 1,796 reviews
Purchase Rate21.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
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
- Transparency 4.3 (1,071)
- Customer Service4.2 (1,100)
- Rates and Fees4.4 (1,113)
- Rewards2.7 (208)
- Online Experience4.2 (1,067)
- Application Process4.5 (926)
- Foreign Transaction Fee 0%
- BenefitsNo Foreign Transaction Fee
- Minimum Credit Limit $6,000.00
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
2nd Best Frequent Flyer & Travel Credit Card
4.1 from 56 reviews
Purchase Rate20.74% p.a.
Annual Fee$0.00 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
- Transparency 4.3 (40)
- Customer Service4.5 (38)
- Rates and Fees4.3 (36)
- Rewards4.1 (35)
- Online Experience4.3 (36)
- Application Process4.5 (37)
- BenefitsTravel Credit
- Minimum Credit Limit $2,000.00
- Maximum Credit Limit $100,000.00
- Minimum Income $35,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
3.7 from 72 reviews
Purchase Rate20.74% p.a.
Annual Fee$450.00 p.a.
Interest Free Period 44 days
Sign-Up Bonus Points100,000
Regular Bonus Point Offers
High Points Earn Rate
Uncapped Annual Points Accrual
$450 annual Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
- Transparency 4.0 (41)
- Customer Service4.3 (43)
- Rates and Fees3.3 (43)
- Rewards4.3 (42)
- Online Experience4.0 (41)
- Application Process4.2 (44)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $3,000.00
- Minimum Income $65,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
3.9 from 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0.00 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
- Transparency 4.4 (31)
- Customer Service3.9 (33)
- Rates and Fees4.5 (30)
- Rewards2.1 (10)
- Online Experience4.1 (33)
- Application Process4.3 (30)
- Foreign Transaction Fee 0%
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $6,000.00
- Maximum Credit Limit $50,000.00
- Minimum Income $65,000.00
- Contactless PaymentsApple Pay and Google Pay
3.5 from 42 reviews
Purchase Rate20.24% p.a.
Annual Fee$349.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points100,000
100,000 Bonus Points on offer
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
- Transparency 3.9 (29)
- Customer Service4.2 (31)
- Rates and Fees3.2 (32)
- Rewards3.3 (29)
- Online Experience4.2 (30)
- Application Process4.1 (24)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000.00
- Maximum Credit Limit $50,000.00
- Rewards ProgramCommBank Awards
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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What you need to know about store finance credit cards
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Credit Card Awards 2020
Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.
Wendy Z.
3.6 from 19 reviews
Purchase Rate20.74% p.a.
Annual Fee$395.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points50,000
Up to 50,000 bonus Membership Rewards points on offer
$400 Travel Credit each year
Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports
Earn up to 2 Membership Rewards points per $1
Complimentary Travel Insurance
$395 Annual Fee
1% Balance Transfer Fee
- Transparency 4.1 (16)
- Customer Service4.4 (15)
- Rates and Fees3.1 (18)
- Rewards3.9 (16)
- Online Experience3.9 (18)
- Application Process4.6 (14)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $3,000.00
- Minimum Income $65,000.00
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
2.9 from 49 reviews
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
No annual fee
Accessible $1,000 minimum credit limit
0% p.a. for 34 months on balance transfers
2.95% foreign transaction fee
2% balance transfer fee
- Transparency 3.5 (22)
- Customer Service3.3 (22)
- Rates and Fees3.6 (22)
- Rewards2.3 (8)
- Online Experience3.2 (21)
- Application Process3.9 (20)
- Foreign Transaction Fee 2.95%
- Minimum Credit Limit $1,000.00
- Maximum Credit Limit $25,000.00
- Minimum Income $20,000.00
- Contactless PaymentsApple Pay and Google Pay
2.7 from 57 reviews
Annual Fee$1,450.00 p.a.
Interest Free Period 44 days
Sign-Up Bonus Points200,000
Up to 200,000 bonus Membership Points on offer (see Details)
No pre-set spending limit
Card is made of metal
2.25 Membership Rewards points per $1 spent
$450 travel credit each year
$1,450 Annual Fee
Minimum required income of $100,000
- Transparency 2.9 (38)
- Customer Service3.2 (40)
- Rates and Fees2.3 (39)
- Rewards2.9 (35)
- Online Experience3.1 (38)
- Application Process3.6 (30)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Income $100,000.00
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 2.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points80,000
Up to 80,000 Bonus Awards Points on offer
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
- Transparency 3.5 (22)
- Customer Service3.9 (22)
- Rates and Fees2.7 (22)
- Rewards2.9 (18)
- Online Experience4.0 (22)
- Application Process4.0 (16)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000.00
- Maximum Credit Limit $50,000.00
- Minimum Income $50,000.00
- Rewards ProgramCommBank Awards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
2.6 from 65 reviews
Purchase Rate20.74% p.a.
Annual Fee$195.00 p.a.
Interest Free Period 55 days
$200 Travel Credit each year
$0 Annual Card Fee in the first year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
$195 Annual Fee
1% Balance Transfer Fee
- Transparency 3.3 (11)
- Customer Service3.3 (12)
- Rates and Fees2.8 (12)
- Rewards2.9 (10)
- Online Experience3.5 (12)
- Application Process3.7 (11)
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Travel Credit
- Minimum Credit Limit $3,000.00
- Minimum Income $50,000.00
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 3 points per $1
- Reduced First Year Annual Fee $0.00
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
2.7 from 18 reviews
Purchase Rate19.99% p.a.
Annual Fee$295.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points75,000
75,000 bonus Qantas Points and $150 back when you spend $2,500 in the first 3 months
0.75 points per $1 for the first $3,000 each statement period
Travel insurance and shopping insurance available
Points earn rate reduced to 0.5 after $3,000 per statement period
$295 annual fee, plus $65 for additional cardholders
- Transparency 3.1 (10)
- Customer Service3.1 (10)
- Rates and Fees2.3 (10)
- Rewards3.2 (9)
- Online Experience3.1 (10)
- Application Process3.1 (9)
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000.00
- Minimum Income $35,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Reduced First Year Annual Fee $0.00
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
2.6 from 19 reviews
Purchase Rate19.99% p.a.
Annual Fee$49.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points8,000
Up to 27,000 bonus Qantas Points on offer
Earn up to 1 Qantas Point per $1 spent
0% p.a. on Balance Transfers for 12 months
Complimentary Travel Insurance
3% Foreign Transaction Fee
- Transparency 3.3 (14)
- Customer Service3.1 (13)
- Rates and Fees2.9 (13)
- Rewards3.4 (10)
- Online Experience2.8 (14)
- Application Process3.6 (13)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $4,000.00
- Maximum Credit Limit $30,000.00
- Minimum Income $35,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
2.3 from 28 reviews
Purchase Rate20.24% p.a.
Annual Fee$95.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points25,000
Accessible $1,000 minimum credit limit
Complimentary Qantas Frequent Flyer Membership
Low points earn rate (0.5 per $1 up to $500, 0.25 per $1 above $500 per statement period)
$65 additional cardholder fee
- Transparency 2.0 (3)
- Customer Service2.0 (3)
- Rates and Fees2.0 (3)
- Rewards2.0 (2)
- Online Experience2.3 (3)
- Application Process3.5 (2)
- Foreign Transaction Fee 3%
- Minimum Credit Limit $1,000.00
- Minimum Income $15,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.5 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
4.0 from 6 reviews
Purchase Rate20.49% p.a.
Annual Fee$160.00 p.a.
Interest Free Period 44 days
Earn up to 30,000 bonus Qantas Points
No Foreign Transaction Fee
Earn 0.75 point per $1 spent on eligible purchases for the first $2,500 each month
Complimentary Overseas Travel Insurance
$160 Annual Fee
- Transparency 3.3 (3)
- Customer Service4.3 (3)
- Rates and Fees3.0 (3)
- Rewards3.7 (3)
- Online Experience4.0 (3)
- Application Process4.7 (3)
- Foreign Transaction Fee 0%
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $3,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay and Google Pay
1.9 from 76 reviews
Purchase Rate20.74% p.a.
Annual Fee$129.00 p.a.
Interest Free Period 44 days
Sign-Up Bonus Points100,000
Multiple Promotional Offers to choose from (see Details below)
$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
- Transparency 2.9 (22)
- Customer Service2.7 (23)
- Rates and Fees2.8 (21)
- Rewards3.4 (18)
- Online Experience2.8 (22)
- Application Process3.7 (18)
- Foreign Transaction Fee 3.3%
- BenefitsReduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $6,000.00
- Maximum Credit Limit $50,000.00
- Minimum Income $35,000.00
- Rewards ProgramVelocity Frequent Flyer
- Points Earn Rate 0.66 points per $1
- Introductory Rate 0% p.a. for up to 14 months on purchases.
- Reduced First Year Annual Fee $64.50
- Contactless PaymentsSamsung Pay
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Nathan S.
1.8 from 75 reviews
Purchase Rate19.99% p.a.
Annual Fee$299.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points80,000
Up to 80,000 Bonus Qantas Points on offer (see Details)
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
$299 Annual Fee (reduced to $225 in your first year)
3% International Transaction Fee
- Transparency 2.2 (65)
- Customer Service2.1 (64)
- Rates and Fees2.3 (59)
- Rewards3.3 (53)
- Online Experience2.0 (65)
- Application Process2.8 (63)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000.00
- Minimum Income $35,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1.5 points per $1
- Reduced First Year Annual Fee $225.00
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
2.2 from 19 reviews
Purchase Rate19.99% p.a.
Annual Fee$250.00 p.a.
Interest Free Period 44 days
Sign-Up Bonus Points65,000
65,000 Bonus Qantas Points when you spend $2,500 on everyday purchases within 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 12 months
Six complimentary insurances including Overseas Travel Insurance
$250 Annual Fee
3% International Transaction Fee
3% Balance Transfer Fee
Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period
- Transparency 3.2 (6)
- Customer Service2.8 (6)
- Rates and Fees2.6 (5)
- Rewards2.7 (6)
- Online Experience3.3 (6)
- Application Process3.3 (6)
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Jetstar Credit Card
· includes 2 listings1.7 from 66 reviews
Purchase Rate19.99% p.a.
Annual Fee$29.00 p.a.
No booking fees on jetstar.com
Complimentary Club Jetstar membership
$69 annual fee after the first year
$10,000 spend required to receive a $100 Jetstar travel voucher
- Transparency 2.4 (9)
- Customer Service2.2 (10)
- Rates and Fees2.4 (8)
- Rewards2.8 (8)
- Online Experience2.2 (9)
- Application Process2.8 (9)
- Foreign Transaction Fee 3%
- BenefitsReduced First Year Annual Fee
- Minimum Credit Limit $2,000.00
- Maximum Credit Limit $50,000.00
- Minimum Income $30,000.00
- Rewards ProgramQantas Frequent Flyer and Jetstar Dollars
- Reduced First Year Annual Fee $0.00
2.1 from 20 reviews
Purchase Rate20.24% p.a.
Annual Fee$425.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points130,000
130,000 Bonus Qantas Points & $255 back on offer
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period
Complimentary Travel and Shopping Insurances
Two complimentary Qantas Club Lounge invitations every year
$425 Annual Fee
Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
- Transparency 2.4 (15)
- Customer Service2.3 (16)
- Rates and Fees2.2 (16)
- Rewards3.2 (17)
- Online Experience2.2 (16)
- Application Process2.4 (14)
- Foreign Transaction Fee 3%
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000.00
- Minimum Income $75,000.00
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
3.0 from 7 reviews
Purchase Rate20.24% p.a.
Annual Fee$150.00 p.a.
Interest Free Period 55 days
Sign-Up Bonus Points80,000
$0 Annual Card Fee for the first year
Earn up to 1 Altitude Point per $1 spent on eligible business purchases
Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance
Complimentary Travel and Purchase-related Insurances
$150 Annual Card Fee after the first year
3% Foreign Transaction Fee
- Foreign Transaction Fee 3%
- BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Income $30,000.00
- Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rate 1 points per $1
- Reduced First Year Annual Fee $0.00
- Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay