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Credit card providers rewarding shoppers with Qantas points
Australians can rack up Qantas points through everyday shopping either by using a Qantas Money credit card or a rival card that also offers Qantas points.
Qantas Money has several different credit cards, including Qantas Premier Everyday, which charges an ongoing annual fee of $49 and an interest rate of 19.99 per cent (see table below).
Here’s how your day-to-day spending translates into Qantas points with Qantas Premier Everyday:
- Domestic spend – 0.75 points per $1 for first $3,000 of each month, 0.4 points for each additional $1
- International spend – 1 point per $1
- Qantas spend – 1 bonus point per $1
American Express, ANZ, Bank of Melbourne and Bankwest are some of the other providers that offer credit cards with Qantas points.
Credit card tip
Qantas points are a nice bonus if you earn them through regular spending that you were always going to do. However, if you make unnecessary purchases just to accumulate points, you might end up in a worse financial position. Also, if you don’t pay your bill in full each statement period, the amount you pay in interest could exceed the amount you gain in Qantas points.
Sign-up bonuses may be included
Some credit cards offer sign-up bonuses to entice new customers.
For example, in the first six months of having Qantas Money’s Qantas Premier Everyday card, cardholders can earn 7,000 points per month for spending $1,000 on eligible purchases each month, which is a total of 42,000 points.
Or by signing up for the ANZ Frequent Flyer card, cardholders can earn 25,000 bonus points by spending $1,000 on eligible purchases within the first three months.
Other kinds of incentives are also available. For example, Bank of Melbourne charges Amplify cardholders 0 per cent interest on purchases for the first 14 months. And Bankwest gives Qantas World Mastercard customers 50% off their annual fee in the first year.
Credit card tip
Rewards points are just one thing to consider when researching credit cards. You should also weigh up other criteria such as fees, interest rates, interest-free periods, credit limits and balance transfer offers, so you can find the best credit card for your situation.
| Provider | Card | Annual fee (ongoing) | Interest rate | Rewards |
|---|---|---|---|---|
| Qantas Money | Qantas Premier Everyday | $49 | 19.99% | Domestic spend – 0.75 points per $1 for first $3,000 of each month, 0.4 points for each additional $1 / International spend – 1 point per $1 / Qantas spend – 1 bonus point per $1 |
| Bank of Melbourne | Amplify | $79 | 19.74% | 0.5 points per $1 |
| ANZ | Frequent Flyer | $95 | 20.24% | 0.5 points per $1 for first $500 of each month, 0.25 points for each additional $1 |
| American Express | David Jones Card | $99 | 20.74% | 1.5 points per $1 at major supermarkets & petrol stations, 1 point per $1 at David Jones, 0.5 points per $1 everywhere else |
| Bankwest | Qantas World Mastercard | $270 | 20.49% | 1 point per $1 for first $5,000 of each month, 0.5 points for each additional $1 |
| American Express | Qantas Ultimate | $450 | 20.74% | Government bodies – 0.50 points per $1 / Other spending – 1.25 points per $1 / Qantas spend – 1 bonus point per $1 |
Disclaimer
This article is over two years old, last updated on September 2, 2019. While RateCity makes best efforts to update every important article regularly, the information in this piece may not be as relevant as it once was. Alternatively, please consider checking recent credit cards articles.
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Product database updated 28 Nov, 2024
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