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Best Frequent Flyer & Travel Credit Cards

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38 listings

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,730 reviews
Purchase Rate21.99% p.a.
Annual FeeA$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 (1,020)
  • Customer Service
    4.3 (1,042)
  • Rates and Fees
    4.5 (1,063)
  • Rewards
    2.9 (177)
  • Online Experience
    4.3 (1,010)
  • Application Process
    4.5 (890)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$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 FeeA$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 A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$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 67 reviews
Purchase Rate20.74% p.a.
Annual FeeA$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 A$3,000
  • Minimum Income A$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 FeeA$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 A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$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 FeeA$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 A$15,000
  • Maximum Credit Limit A$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 FeeA$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • $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

  • 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 A$3,000
  • Minimum Income A$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

3.0 from 46 reviews
Annual FeeA$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 (29)
  • Customer Service
    3.7 (30)
  • Rates and Fees
    2.4 (29)
  • Rewards
    3.1 (26)
  • Online Experience
    3.4 (28)
  • Application Process
    3.8 (24)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income A$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 FeeA$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 A$1,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$20,000
  • Contactless PaymentsApple Pay and Google Pay
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual FeeA$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • 80,000 Bonus Awards Points when you apply by 28 October 2020 and spend $4,000 on eligible purchases 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

  • Transparency
    3.7 (21)
  • Customer Service
    4.0 (21)
  • Rates and Fees
    2.8 (21)
  • Rewards
    2.8 (17)
  • Online Experience
    4.0 (21)
  • Application Process
    4.0 (15)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$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 FeeA$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 A$3,000
  • Minimum Income A$50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Citibank Citi Premier

Citibank Citi Premier

2.8 from 22 reviews
Purchase Rate21.49% p.a.
Annual FeeA$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points70,000

  • Up to 70,000 Bonus Rewards Points on offer

  • 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

  • $395 Annual Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000

  • Transparency
    4.1 (10)
  • Customer Service
    4.0 (10)
  • Rates and Fees
    3.7 (10)
  • Rewards
    3.9 (10)
  • Online Experience
    4.0 (10)
  • Application Process
    3.7 (9)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Maximum Credit Limit A$100,000
  • Minimum Income A$75,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
ANZ Frequent Flyer Platinum

ANZ Frequent Flyer Platinum

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

Sign-Up Bonus Points60,000

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

  • Travel insurance and shopping insurance available

  • 60,000 bonus Qantas Points and Waived 1st Year Annual Fee 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)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Reduced First Year Annual Fee A$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 FeeA$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

  • 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 $1,000 per month is required to receive 5,000 Bonus Qantas Points each month for 5 months

  • 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 A$4,000
  • Maximum Credit Limit A$30,000
  • Minimum Income A$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 FeeA$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 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 A$1,000
  • Minimum Income A$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

2.0 from 53 reviews
Purchase Rate19.99% p.a.
Annual FeeA$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
    2.3 (48)
  • Customer Service
    2.2 (46)
  • Rates and Fees
    2.4 (41)
  • Rewards
    3.2 (34)
  • Online Experience
    2.2 (45)
  • Application Process
    2.8 (43)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Reduced First Year Annual Fee A$199
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

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

Sign-Up Bonus Points70,000

  • 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 A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$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 A$65
  • Contactless PaymentsSamsung Pay
ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

2.6 from 13 reviews
Purchase Rate20.24% p.a.
Annual FeeA$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 A$15,000
  • Minimum Income A$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 FeeA$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 A$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 65 reviews
Purchase Rate19.99% p.a.
Annual FeeA$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
    2.5 (8)
  • 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 A$2,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$30,000
  • Rewards ProgramQantas Frequent Flyer
  • Reduced First Year Annual Fee A$0
Macquarie Bank Platinum

Macquarie Bank Platinum · includes 2 listings

2.1 from 13 reviews
Purchase Rate20.70% p.a.
Annual FeeA$99 p.a. and A$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, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$50,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 to 1.25 points per $1
  • Reduced First Year Annual Fee A$99
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay
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