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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.

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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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37 listings

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,750 reviews
Purchase Rate21.99% p.a.
Annual Fee$0 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
    4.4 (1,035)
  • Customer Service
    4.3 (1,060)
  • Rates and Fees
    4.5 (1,081)
  • Rewards
    2.9 (183)
  • Online Experience
    4.3 (1,030)
  • Application Process
    4.5 (904)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% 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)

  • Transparency
    4.4 (37)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Qantas American Express Ultimate

3.9 from 68 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • 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
    4.2 (38)
  • Customer Service
    4.5 (40)
  • Rates and Fees
    3.5 (40)
  • Rewards
    4.5 (39)
  • Online Experience
    4.2 (38)
  • Application Process
    4.4 (41)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews
Purchase Rate17.99% 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

  • Transparency
    4.5 (31)
  • Customer Service
    4.1 (33)
  • Rates and Fees
    4.5 (31)
  • Rewards
    2.2 (9)
  • Online Experience
    4.2 (33)
  • Application Process
    4.4 (31)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $65,000
  • Contactless PaymentsApple Pay and Google Pay
Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.5 from 41 reviews
Purchase Rate20.24% p.a.
Annual Fee$349 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
    4.0 (28)
  • Customer Service
    4.3 (30)
  • Rates and Fees
    3.3 (31)
  • Rewards
    3.4 (28)
  • Online Experience
    4.3 (29)
  • Application Process
    4.1 (24)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Up to 150,000 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
    4.2 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
American Express Platinum

American Express Platinum

2.9 from 47 reviews
Annual Fee$1,450 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

  • $1,450 Annual Fee

  • Minimum required income of $100,000

  • Transparency
    3.2 (30)
  • Customer Service
    3.6 (31)
  • Rates and Fees
    2.4 (30)
  • Rewards
    3.0 (27)
  • Online Experience
    3.4 (29)
  • Application Process
    3.7 (25)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income $100,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 48 reviews
Purchase Rate17.99% 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

  • Transparency
    3.7 (21)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    3.8 (21)
  • Rewards
    2.4 (7)
  • Online Experience
    3.4 (20)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Minimum Income $20,000
  • Contactless PaymentsApple Pay and Google Pay
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • 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 Service
    3.9 (22)
  • Rates and Fees
    2.7 (22)
  • Rewards
    2.9 (18)
  • Online Experience
    4.0 (22)
  • Application Process
    4.0 (16)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • 50,000 Bonus Membership Rewards points on offer

  • $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

  • $195 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    3.5 (10)
  • Customer Service
    3.5 (11)
  • Rates and Fees
    3.0 (11)
  • Rewards
    3.1 (9)
  • Online Experience
    3.7 (11)
  • Application Process
    4.0 (10)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum

3.0 from 15 reviews
Purchase Rate19.99% p.a.
Annual Fee$295 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

  • 0.75 points per $1 for the first $3,000 each statement period

  • Travel insurance and shopping insurance available

  • 75,000 bonus Qantas Points and $150 back when you spend $2,500 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

  • Transparency
    3.9 (7)
  • Customer Service
    3.9 (7)
  • Rates and Fees
    2.1 (7)
  • Rewards
    3.0 (6)
  • Online Experience
    3.7 (7)
  • Application Process
    3.7 (6)
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas Premier Everyday

Qantas Premier Everyday

2.6 from 19 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

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

  • Earn up to 1 Qantas Point per $1 spent

  • 20,000 bonus Qantas Points on offer

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Transparency
    3.1 (15)
  • Customer Service
    2.9 (14)
  • Rates and Fees
    2.8 (14)
  • Rewards
    3.4 (10)
  • Online Experience
    2.7 (15)
  • Application Process
    3.6 (13)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $30,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
ANZ Frequent Flyer

ANZ Frequent Flyer

2.3 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points25,000

  • 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 per $1 above $500 per statement period)

  • $65 additional cardholder fee

  • Transparency
    2.0 (3)
  • Customer Service
    2.0 (3)
  • Rates and Fees
    2.0 (3)
  • Rewards
    2.0 (2)
  • Online Experience
    2.3 (3)
  • Application Process
    3.5 (2)
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas Premier Platinum

Qantas Premier Platinum

1.9 from 59 reviews
Purchase Rate19.99% p.a.
Annual Fee$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • Up to 100,000 Bonus Qantas Points & 75 Bonus Status Credits on offer if you apply by 24 February 2021

  • 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 $199 in your first year)

  • 3% International Transaction Fee

  • Transparency
    2.2 (53)
  • Customer Service
    2.2 (51)
  • Rates and Fees
    2.3 (46)
  • Rewards
    3.2 (39)
  • Online Experience
    2.1 (51)
  • Application Process
    2.8 (49)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Reduced First Year Annual Fee $199
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 75 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points40,000

  • 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 Service
    2.8 (22)
  • Rates and Fees
    2.8 (21)
  • Rewards
    3.4 (18)
  • Online Experience
    2.8 (22)
  • Application Process
    3.8 (17)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $35,000
  • 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 $65
  • Contactless PaymentsSamsung Pay
ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

2.6 from 13 reviews
Purchase Rate20.24% p.a.
Annual Fee$425 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 120,000 Bonus Point & $200 Cash Back 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
    3.1 (9)
  • Customer Service
    2.9 (10)
  • Rates and Fees
    2.3 (10)
  • Rewards
    3.4 (11)
  • Online Experience
    2.7 (10)
  • Application Process
    2.9 (8)
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.2 from 19 reviews
Purchase Rate19.99% p.a.
Annual Fee$250 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 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 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

  • Transparency
    3.2 (6)
  • Customer Service
    2.8 (6)
  • Rates and Fees
    2.6 (5)
  • Rewards
    2.7 (6)
  • Online Experience
    3.3 (6)
  • Application Process
    3.3 (6)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • 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

Jetstar Credit Card · includes 2 listings

1.7 from 66 reviews
Purchase Rate19.99% p.a.
Annual Fee$29 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
    2.6 (8)
  • Customer Service
    2.3 (9)
  • Rates and Fees
    2.6 (7)
  • Rewards
    3.0 (7)
  • Online Experience
    2.4 (8)
  • Application Process
    3.0 (8)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $50,000
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer and Jetstar Dollars
  • Reduced First Year Annual Fee $0
Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

2.4 from 11 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Points on offer

  • Earn 1.25 Rewards points per dollar spent

  • Complimentary International Travel Insurance and Extended Warranty Insurance

  • $129 Annual Fee

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months

  • Transparency
    3.0 (9)
  • Customer Service
    2.7 (9)
  • Rates and Fees
    2.9 (10)
  • Rewards
    2.9 (9)
  • Online Experience
    2.6 (10)
  • Application Process
    2.9 (9)
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $30,000
  • Rewards ProgramSuncorp Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Macquarie Bank Platinum

Macquarie Bank Platinum · includes 2 listings

2.1 from 13 reviews
Purchase Rate20.70% p.a.
Annual Fee$99 p.a. and $249 p.a.

Sign-Up Bonus Points20,000

  • 0% p.a. balance transfer for 14 months

  • No international transaction fees

  • Some Travel and Purchase insurances included

  • Need to spend ~$3,200 to receive a $20 gift card

  • Transparency
    4.5 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    4.5 (2)
  • Rewards
    4.5 (2)
  • Online Experience
    4.5 (2)
  • Application Process
    4.5 (2)
  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $50,000
  • Rewards ProgramQantas Frequent Flyer and Macquarie Rewards
  • Points Earn Rate 1 to 1.25 points per $1
  • Reduced First Year Annual Fee $99
  • Contactless PaymentsApple Pay, Google Pay, Fitbit Pay and Garmin Pay
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