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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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22 listings


Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,446 reviews
Purchase Rate21.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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


One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.


Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • 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
  • 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

Qantas American Express Ultimate

4.0 from 66 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • 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
  • Sign-Up Bonus : Receive 120,000 bonus Qantas Points when you apply by Nov 18 and spend $4,500 within the first 3 months.
  • Regular Bonus Point Offers (currently 120,000)

  • 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

Sign-Up Bonus Points120,000


Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.6 from 40 reviews
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance
  • 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
  • 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


ANZ Rewards Travel Adventures

ANZ Rewards Travel Adventures

3.7 from 23 reviews
Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: ANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
  • 75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

  • Complimentary return domestic flight and two Virgin Australia lounge passes each year

  • No Overseas Transaction Fee on purchases

  • 1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

  • Complimentary Overseas Travel Insurance

  • Complimentary Extended Warranty Insurance and Purchase Security Insurance

  • High $225 Annual Fee

  • Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)

  • Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period

Sign-Up Bonus Points75,000


American Express Platinum

American Express Platinum

3.2 from 37 reviews
Annual Fee$1,450 p.a.
Interest Free Period 44 days
  • 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
  • Sign-Up Bonus : Receive a welcome bonus of 120,000 Membership Rewards points when 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

Sign-Up Bonus Points120,000


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
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 70,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.
  • $400 Travel Credit each year

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

  • 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

Sign-Up Bonus Points70,000


Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • 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
  • Sign-Up Bonus : Receive 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 within 90 days.
  • 100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation

  • 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

Sign-Up Bonus Points100,000


American Express Platinum Edge

American Express Platinum Edge

2.6 from 61 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • 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
  • $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


American Express Velocity Platinum

American Express Velocity Platinum

3.8 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Maximum Credit Limit : $10,000
  • Minimum Income : $65,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 50,000 bonus Velocity Points when you spend $3,000 within the first 3 months.
  • 50,000 bonus Velocity Points on offer

  • Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

  • Complimentary Travel Insurance

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

  • $375 Annual Fee

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

Sign-Up Bonus Points50,000


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
  • 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
  • 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

Sign-Up Bonus Points50,000


American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $0 Annual Fee

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

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee


Qantas Premier Everyday

Qantas Premier Everyday

2.8 from 16 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • 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
  • Sign-Up Bonus : 25,000 bonus Qantas points when you spend $1,000 on eligible purchases each month for over the first 5 months.
  • Reduced First Year Annual Fee : $29
  • 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

Sign-Up Bonus Points25,000


ANZ Frequent Flyer

ANZ Frequent Flyer

2.4 from 26 reviews
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • 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
  • Sign-Up Bonus : Received 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

Sign-Up Bonus Points25,000


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
  • 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
  • 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

Sign-Up Bonus Points30,000


NAB Qantas Rewards Signature

NAB Qantas Rewards Signature

4.0 from 2 reviews
Purchase Rate19.99% p.a.
Annual Fee$195 p.a.
Interest Free Period 44 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 120,000 Bonus Qantas Points (90,000 points when you spend $4,000 within 60 days of account opening and 30,000 points when you keep your card for over 12 months)
  • Sign up and receive up to 120,000 Qantas Points (see Details)

  • Points Earn Rate: 1 Qantas Point per $1 up to $5,000 per statement period

  • 0% p.a. on Balance Transfers for 6 months

  • Seven Complimentary Insurances, including Overseas Travel Insurance

  • $395 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000

Sign-Up Bonus Points90,000


Macquarie Bank Platinum - Qantas Rewards

Macquarie Bank Platinum - Qantas Rewards

4.0 from 1 review
Purchase Rate20.70% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $50,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
  • Sign-Up Bonus : Receive 20,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 60 days of approval.
  • Reduced First Year Annual Fee : $99

Sign-Up Bonus Points20,000


Qantas American Express Premium

Qantas American Express Premium

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$249 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

  • $249 Annual Fee

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

Sign-Up Bonus Points30,000


ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

3.0 from 9 reviews
Purchase Rate20.24% p.a.
Annual Fee$425 p.a.
Interest Free Period 55 days
  • Benefits: Cashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Minimum Income : $75,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 100,000 bonus Qantas Points and $200 back when you spend $4,000 on eligible purchases in the first 3 months of approval
  • 100,000 Bonus Qantas Points and $200 cashback 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

Sign-Up Bonus Points100,000


Westpac Altitude Business Gold

Westpac Altitude Business Gold

3.0 from 7 reviews
Purchase Rate20.24% p.a.
Annual Fee$150 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Income : $30,000
  • Rewards Program: Qantas Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
  • Reduced First Year Annual Fee : $0
  • 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

Sign-Up Bonus Points60,000


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