Frequent Flyer Credit Cards

Are you searching for a way to save money and earn rewards, allowing you to travel more often? If you answered yes, then a frequent flyer credit card may be just what you need! With this type of travel rewards credit card, you earn frequent flyer points for every dollar spent. Over time, you will earn enough points for free flights – both domestic and international – as well as upgrades, car hire discounts, hotel stays, etc. Frequent flyer cards are available from most major banks in Australia and are linked to various rewards programs including Qantas Frequent Flyer, Velocity Frequent Flyer, Singapore Airlines KrisFlyer and Emirates Skywards. Take a few minutes to learn more about what a frequent flyer card can do for you, including how many points you can earn and what it takes to be eligible.

	credit card details	rewards program	purchase rate (p.a.)	frequent flyer points	annual fee	online application

	credit card details	rewards program	purchase rate (p.a.)	frequent flyer points	annual fee	online application
	HSBC Platinum Qantas Credit Card Get 10,000 bonus QFF points for signing up & then earn 1 QFF point per $1 spent.	Qantas Frequent Flyer	20.99%	$1 = 1 QFF point	$199	top choiceApplication
	Westpac Earth Credit Card Cheap balance transfer and Qantas rewards. Fast 60 second approval.	Qantas Frequent Flyer	19.99%	$1 = 1 QFF point (Amex)	$75	editor's choiceApplication
	American Express Qantas Ultimate Credit Card 30,000 QFF points signup bonus. Free annual domestic return economy flight plus travel insurance.	Qantas Frequent Flyer	20.74%	$1 = 1.5 QFF points	$250	editor's choiceApplication
	Qantas American Express Discovery Credit Card No annual fee. Earn 1 point per dollar. Get up to 10,000 QFF points if you apply before 31-Mar-12.	Qantas Frequent Flyer	20.74%	$1 = 1 QFF point	$0	editor's choiceApplication
	American Express Gold Ascent Credit Card Earn 1 Membership Rewards point per $1. Redeem on 7 airline rewards partner programs.	Membership Rewards Ascent	0% for 6 months (reverts to 20.74%)	$2 = 1 Membership Rewards point	$0	Application
	ANZ Frequent Flyer Credit Card Earn uncapped Qantas Frequent Flyer points. $1 = 1 QFF point earn rate. Low annual fee.	Qantas Frequent Flyer	19.74%	$1 = 1 QFF point	$95	Application
	ANZ Platinum Frequent Flyer Credit Card Earn uncapped QFF points at the higher earn rate of 1.5 QFF points per $1 spent.	Qantas Frequent Flyer	19.74%	$1.5 = 1 QFF point (Amex)	$295	Application
	Singapore Airlines Westpac Gold Credit Card Get 5,000 bonus KrisFlyer points after your first purchase. Complimentary travel insurance included.	Singapore Airlines KrisFlyer	19.49%	$1 = 1 KrisFlyer mile (Amex)	$125	Application
	Virgin Flyer Credit Card 4 Virgin Australia complimentary flights each year. Pay low interest on bal transfers for 9 months.	Velocity Frequent Flyer	20.99%	$1 = 1 Velocity Frequent Flyer point	$99	Application
	Westpac Earth Platinum Credit Card Maximise your Qantas Frequent Flyer points. Earn $1 = 1.5 QFF Points (Amex)	Qantas Frequent Flyer	19.99%	$1 = 1.5 QFF points (Amex)	$250	Application
	American Express Business Accelerator Credit Card Earn 2 Membership Rewards points per dollar spent.	Membership Rewards	20.74%	$1 = 2 Membership Rewards points	$160	Application
	American Express Platinum Business Credit Card Manage & track your business expenses. Earn Membership Rewards points per dollar spent.	Membership Rewards Ascent Premium	-	$1 = 1.5 Membership Rewards points	$1,200	Application
	American Express Platinum Edge Credit Card Receive 25,000 Membership Rewards points when you receive your credit card.	Membership Rewards	0% for 6 months (reverts to 20.74%)	$1 = 1.5 Membership Rewards points	$149	Application
	ANZ Rewards Credit Card 5 star Canstar Cannex winner. Uncapped points earning. Get 2 ANZ Rewards points per $1.	ANZ Rewards	19.74%	-	$89	Application
	ANZ Rewards Platinum Credit Card Earn uncapped ANZ Rewards points at the rate of 3 points per $1. Complimentary travel insurance.	ANZ Rewards	19.74%	$1 = 3 points	$149	Application

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Help with Choosing a Frequent Flyer Credit Card

Each and every frequent flyer points credit card offers unique features and benefits. However, some will be better suited for you than others. Here are several details to consider as you compare frequent flyer credit card offers.

• How many points will you earn for each dollar you spend? – The earn rate, or the number of points rewarded per dollar spent, is by far one of the most important details of any frequent flyer credit card. This will give you a better idea of how often you will earn points as well as how long it will take to get enough for a free ticket.
• Fees – There are many fees to be aware of when applying for a frequent flyer credit card. Will you be charged an annual fee? Do you have to pay a membership fee, or will it be waived?
• Terms and conditions are different – Unfortunately, it is common for the points earned on some frequent flyer credit cards to expire after a certain period of time. You need to be aware of this to ensure that you use your points before they are gone forever. Other cards reward points in tiers, gradually reducing as you spend. Watch out for these as it can really make a big difference.

Pros

• Points per dollar spent – No matter if you are shopping at home or internationally, when you spend money on your frequent flyer credit card you are going to receive points that can later be redeemed for free tickets. Do check the fine print before applying as some cards apply limitations on what purchases qualify for rewards points.
• More than just points – Although the main benefit of a frequent flyer points card is the points you can earn, there are other advantages that you should be aware of. Did you know that some of these cards have very competitive balance transfers and low interest rates? Don’t get so caught up in the rewards points that you overlook the other benefits.
• • Complimentary insurance* – Given that many of these cards are gold or platinum level, they frequently come with complimentary overseas and/or domestic travel insurance. Some go further and include complimentary insurance for travel accidents, flight inconvenience (delays and cancellations), lost luggage, purchase protection, and more.

Cons

• Difficulty determining points and rewards – This has been an issue with frequent flyer credit cards for many years and still continues to plague consumers from time to time. Do your best to learn the ins and outs of a card before applying, including how you earn points and how many you need to redeem for something you want, like a free flight or an upgrade.
• Expiry and tiering of points – It’s worth checking the fine print for details on whether the card’s earn rate, e.g. 1 point per dollar, stays the same regardless of how much you spend per month. Ideally you want a card that does not cap or tier the number of points you can earn. Nor do you want a card with an expiration date on points. Instead, look for a card that has no expiration date on the points you’ve earned so that you can save them up for a better reward.