Frequent flyer bank cards reward you with free flights, upgrades and different journey perks only for doing all of your on a regular basis spending. There’s a card for every thing: you may select from primary, no-frills choices to playing cards that dish out huge factors and massive options.
Loads of frequent flyer bank cards include epic sign-up bonus factors to kickstart your rewards stash, and a few have steadiness switch options if you wish to shift your debt to a brand new card for 0% curiosity and to pay it off sooner.
Or, in case you’re simply saying “present me the factors!”, search for bank cards that pay out the best variety of frequent flyer factors for each greenback you spend.
We’ve made it straightforward by summarising the options of every card proper right here. You may click on the cardboard to see the cardboard’s full particulars on the financial institution’s web site, and apply from there too.
Right here’s the highest frequent flyer bank cards for January 2024
Try our prime frequent flyer offers for this month. Click on ‘go to supply’ for a full rundown of the cardboard’s options, and to use.
Qantas Premier On a regular basis Credit score Card – as much as 8,000 bonus Qantas Factors
The Qantas Premier On a regular basis Credit score Card provides a spread of advantages. For the primary 4 months from card approval, cardholders can earn 2 bonus Qantas Factors per $1 spent on eligible purchases, on prime of the usual earn charges. This permits for a most of 8,000 bonus Qantas Factors when making use of by April 10, 2024. The cardboard incorporates a low annual charge, complimentary worldwide journey insurance coverage, and a 0% p.a. rate of interest on steadiness transfers for 12 months with no steadiness switch charge.
Qantas Premier Platinum Credit score Card – as much as 80,000 bonus Qantas Factors
With the Qantas Premier Platinum Credit score Card, you’ll rise up to 80,000 bonus Qantas Factors – 60,000 once you apply by 01 Could 2024, and spend $3,000 or extra on eligible purchases inside 3 months from card approval, plus an extra 20,000 in case you haven’t earned Qantas Factors with a bank card within the final 12 months. Their rewards program is strong too, providing you with 1.5 factors per $1 spent on worldwide purchases, 1 level for home spending (as much as $10,000 per assertion interval, then reverts to 0.5 factors) and a bonus level once you purchase chosen Qantas services and products. This card has another good perks, like a concierge service, discounted flights for as much as 8 companions, lounge entry and a decreased annual charge for the primary 12 months, plus 0% p.a. on steadiness transfers for 12 months.
ANZ Frequent Flyer Platinum Credit score Card – 75,000 bonus Qantas Factors and $100 again
ANZ Frequent Flyer Platinum Credit score Card supplies loads of platinum perks plus, a really interesting introductory provide of 75,000 bonus Qantas Factors and $100 again to your card once you spend $2,500 on eligible purchases within the first 3 months from approval. This card enables you to earn Qantas Factors as you store – 0.75 Qantas Factors per $1 spent on eligible purchases as much as $3,000 per assertion interval, then 0.5 Qantas Factors per $1 spent on eligible purchases above $3,000 per assertion interval. On prime of that, take pleasure in platinum advantages together with complimentary Worldwide and Home Journey Insurance coverage, Buy Safety Insurance coverage, Prolonged Guarantee Insurance coverage, and eligibility for Visa Gives + Perks.
Qantas American Categorical Final – 100,000 bonus Qantas Factors plus $450 Qantas Journey Credit score
The Qantas American Categorical Final Credit score Card is a premium card that provides a great deal of journey advantages and factors. New cardholders might obtain 100,000 bonus Qantas Factors once they apply on-line by 2 April 2024, get accepted, and spend $3,000 on eligible purchases on their new Card inside the first 3 months. Earn as much as 1.25 Qantas Factors on on a regular basis purchases, 0.5 Qantas Factors on authorities spend, and an extra 1 level per $1 on eligible Qantas services and products with no factors capping. Every year you’ll obtain a $450 Qantas Journey Credit score for eligible home or worldwide Qantas flights when booked by means of American Categorical Journey, which compensates for the $450 annual charge.
American Categorical Qantas Enterprise Rewards Card – 150,000 bonus Qantas Factors
In case you’ve bought a enterprise and also you’re in search of alternatives to earn essentially the most of your transactions, it’s best to make the most of this huge welcome provide of 150,000 bonus Qantas Factors from the American Categorical Qantas Enterprise Rewards Card. Obtain 150,000 bonus Qantas Factors once you apply by 2 April 2024, are accepted, and spend $3,000 on eligible purchases in your Card within the first 2 months from approval. Take pleasure in TRIPLE Qantas Factors for your corporation on eligible Qantas flights and a couple of Qantas Factors on Qantas services and products. This can be a cost card with no pre-set spending restrict which ensures larger fee flexibility. Gives two new thrilling advantages – as much as $200 again with Dell Applied sciences.
ANZ Frequent Flyer Black Credit score Card – As much as 130,000 bonus Qantas Factors and $250 again
A high-earning rewards card – ANZ Frequent Flyer Black Credit score Card provides as much as 130,000 bonus Qantas Factors – 100,000 bonus Qantas Factors and $250 again to your new card once you spend $5,000 on eligible purchases within the first 3 months from approval plus 30,000 bonus Qantas Factors once you hold your card for a 12 months. Earn 1 Qantas Level per $1 spent as much as $7,500 per assertion interval, then 0.5 Qantas Factors per $1 spent above $7,500 per assertion interval, uncapped. Take pleasure in its glorious collection of options together with, complimentary Qantas Frequent Flyer membership, yearly Qantas Membership lounge invites, and journey insurance coverage covers.
Discovering the Greatest Credit score Card Gives on Frequent Flyer Playing cards
Frequent flyer factors (and the redemption packages they’re hooked up to) could be a complicated world to dive into, however they’re additionally among the greatest perks a bank card can provide.
You’ll earn rewards factors only for doing all of your day-to-day spending, and convert these factors into journey freebies and privileges, and even retail merchandise.
Now positive learn how to discover your greatest card? We’ve bought you coated. Beneath is a straightforward information on frequent flyer factors, how they work, and learn how to discover the bank card that’ll provide the most bang to your buck.
When you’re prepared to match, you may try our listing of the highest frequent flyer bank cards for this month, or use our comparability device to kind frequent flyer playing cards by completely different options, and examine what number of factors you would possibly earn in a 12 months primarily based in your regular spending habits.
Step 1: Issues to look out for when evaluating frequent flyer bank cards:
- The frequent flyer program it’s hooked up to
- Whether or not the factors could be transferred to different frequent flyer packages
- Introductory bonus factors you get for signing up
- Any expiration dates in your factors
- The earn price (factors you earn per greenback spent)
- Caps on the factors you may earn
- Annual charges
- Different bonus options of the cardboard
Let’s check out some intimately.
Introductory Bonus Factors
Some frequent flyer playing cards provide you with bonus rewards factors on sign-up, as much as the tune of 120,000 factors (or much more). However there’s a small catch – you’ll want to fulfill the eligibility standards to get your factors, which normally means spending a minimal quantity in your card inside a sure timeframe. Examine the quantity required and ensure you can meet it – it’s usually within the neighborhood of $3,000 spent inside 90 days of approval, however could be kind of.
What number of factors you possibly can earn
Rewards factors are handed out for the {dollars} you spend on eligible purchases. Some issues gained’t earn rewards factors, like Bpay transactions, money advances (the place you withdraw cash out of your bank card) and a few authorities funds.
Most instances, rewards additionally gained’t apply on steadiness transfers, the place you progress your steadiness remaining from one bank card to a brand new one which has 0% or low curiosity utilized to the transferred quantity. Examine the cardboard’s PDS and the TMD to ensure.
We clarify all about steadiness switch bank cards in our information to utilizing steadiness transfers to assist pay down debt.
The quantity of factors you may earn will depend on a number of issues:
- The earn price. That’s what number of factors per $1 you spend. 1 frequent flyer level per greenback is pretty customary, though some playing cards provide 0.5 or 0.75 factors per $1.
- Tiered factors. Generally the earn price modifications relying on what you purchase and the place. As an illustration, a card would possibly pay 1 level per $1 for eligible purchases as much as a certain quantity monthly, after which it drops to 0.5 factors per $1 after that. You would possibly earn extra factors for worldwide purchases, or for getting merchandise by means of an affiliate enterprise or airline.
- Factors caps. Some playing cards put a restrict on the quantity of frequent flyer factors you may earn in a 12 months (as an illustration, 100,000 factors yearly). Nevertheless, in some circumstances, factors which can be earned for purchases made with specific companies are uncapped factors and don’t depend in the direction of your whole factors depend. So you possibly can earn, for instance, 125,000 factors in a 12 months even when the cap is 100,000, as a result of 25,000 had been earned from uncapped purchases at sure shops.
- Membership standing. Relying on the cardboard, you could earn standing factors together with your spending that transfer you up into extra prestigious tiers, probably providing extra factors per $1, and unlocking extra journey options like additional checked baggage, flight upgrades and lounge entry.
To take advantage of factors out of your spending, you may take into consideration how a lot you spend in your card every month, and select a proposal with uncapped factors or the next spending tier so that you don’t lose out on beneficial rewards by hitting the factors incomes restrict.
Additionally, think about the belongings you purchase usually. In case you use your card for grocery store spending, search for a card with the perfect earn price on these purchases. Or, in case you use your card for journey, discover a card that rewards spending on flights, lodging and automotive leases.
Annual charges and ongoing prices (and the trifecta candy spot)
The balancing act of discovering an excellent frequent flyer card for you is weighing up the annual charge, the earn price and the introductory provide.
Tremendous helpful recommendations on annual charges:
- A card with a giant introductory provide is prone to have the next earn price, but in addition the next annual charge.
- A card with a average introductory provide will normally have a decrease earn price, and a decrease annual charge to swimsuit.
Discovering a card that hits your trifecta candy spot means trying on the worth you’ll get from the frequent flyer rewards, and deciding if it outweighs the annual charge.
For instance, in case you earned 45,000 factors per 12 months on a Qantas frequent flyer bank card that supplied 1 level per $1 spent, and had an annual charge of $350, you would need to weigh up in case your factors earn was definitely worth the barely greater yearly charge.
Contemplating 36,000 factors can get you to Christchurch and again from Sydney utilizing Qantas factors (plus any regular taxes and airline charges), and including in every other perks the cardboard provides like free journey insurance coverage, the cardboard may go out effectively in your favour even with the next annual charge.
And naturally, that instance doesn’t embody any bonus provide factors once you enroll.
On that time, some playing cards provide decreased annual charges for the primary 12 months, or decrease ongoing annual charges in case you spend a minimal quantity per 12 months. Examine for the newest frequent flyer bank card annual charge offers utilizing the ‘annual charge’ toggle on our one-click comparability device.
The curiosity you’ll be charged
If you use your bank card and don’t repay the steadiness (the quantity you owe) earlier than the due date or inside any interest-free intervals the cardboard provides, you’ll should pay curiosity on the steadiness.
It’s additionally known as the acquisition price, and frequent flyer bank cards are likely to have greater buy charges as a result of they’re a high-value card.
Examine the acquisition price and ensure you’re assured you may carry on prime of your repayments so that you’re not slugged with excessive curiosity fees, as a result of that may scale back the worth of your journey rewards.
Expiration dates on frequent flyer factors
Some frequent flyer factors by no means expire, however some expire inside a sure timeframe, or in case you don’t use your card for a specified period of time. It’s usually straightforward to maintain your account energetic since you’ll be incomes factors each time you spend in your card.
| Frequent Flyer program | Factors expiry coverage | Tips on how to hold factors energetic |
|---|---|---|
| Velocity Factors | Sure, after 24 months of inactivity |
|
| Qantas Factors | Sure, after 18 months of inactivity in your account |
|
| American Categorical Journey Factors | No expiry, however factors can be misplaced if all playing cards related to this system are cancelled |
|
At all times examine the positive print of the frequent flyer program for expiration insurance policies, and any conditions the place they might cancel the rewards program.
Step 2: Unpacking the perfect frequent flyer program for you
Every frequent flyer bank card is linked to a selected frequent flyer program you can redeem the factors by means of.
Right here’s a snapshot of the frequent flyer packages accessible that cowl Australian and worldwide airways:
- Qantas – Qantas Frequent Flyer
- Virgin – Virgin Australia Velocity Frequent Flyer
- Singapore – Airways Singapore Airways KrisFlyer
- Cathay Pacific – Marco Polo Membership
- Etihad – Etihad Visitor
- Emirates – Skywards
- Malaysia Airways – Enrich
- British Airways – British Airways Government Membership
- American Airways – AAdvantage Frequent Flyer
- United – Mileage Plus
As you’re evaluating playing cards, you’ll discover most hyperlink up with Qantas Frequent Flyer, Virgin Velocity Frequent Flyer or American Categorical packages. Nevertheless, you should still use your frequent flyer factors for different airways inside the identical community, like Singapore Airways Krisflyer, Cathay Pacific Asia Miles, Air New Zealand Airpoints, Emirates Skywards and Etihad Visitor.
Becoming a member of a frequent flyer program
If you apply for a bank card hooked up to a frequent flyer program, you’ll must turn out to be a member to begin incomes and spending factors.
Most packages are free to affix, or provide you with alternative to affix without spending a dime by means of different partnerships.
For instance, becoming a member of Qantas Frequent Flyer normally prices $99.50, however some bank cards provide free membership, or you may be part of by way of your Woolworths On a regular basis Rewards card.
Earlier than you apply, it’s a good suggestion to examine the small print on the cardboard to learn how and when the factors you earn are transferred to your frequent flyer account. Some playing cards provide direct switch, others switch factors on the finish of every month, whereas others solely provide handbook switch on the cardholder’s request – with a minimal switch quantity required.
Try how one can maximise your points-earning potential in your chosen card. This may occasionally imply utilizing your card with sure companions inside the journey trade, similar to accommodations and automotive rent firms, or with sure retailers.
Sure, it’s a bit tedious, however studying a bit about your frequent flyer card can actually give your factors incomes a lift.
What are you able to redeem frequent flyer factors on?
It’s an excellent concept to examine the frequent flyer program and its retailer, so can select one that provides the belongings you need (and, it’s extra enjoyable once you’ve already chosen the reward you need to get without spending a dime!).
Usually, you need to use frequent flyer factors for:
- Journey. That features flights, upgrades, accommodations and lodging, and automotive rental.
- Procuring. Go to this system’s on-line rewards retailer to seek out and redeem your factors at standard shops.
- Reward playing cards. You may redeem frequent flyer factors for reward playing cards, however usually you’ll get extra worth utilizing them for journey.
- Enjoyable eating extras. Some packages provide freebies and reductions on eating. For instance, Qantas Factors could be redeemed on Qantas wine.
In case you don’t have sufficient factors to cowl the whole value of the acquisition, many playing cards provide points-and-pay, the place you may pay money to cowl any shortfalls in your factors.
Step 3: Trying out your card’s different options
Many bank cards provide a bunch of different options apart from rewards factors, and frequent flyer playing cards – particularly the fancier, dearer ones – are sometimes choc-full of them.
Options you would possibly discover on a frequent flyer bank card:
- Complimentary journey insurance coverage (may very well be home, worldwide, or each)
- Airport lounge entry
- Airport transfers
- Journey credit score
- Concierge providers
- Reductions with partnering companies
- Cashback provides
- VIP entry to occasions
All the additional ‘dazzle’ on a card might help offset the upper annual charge, particularly in case you like to journey, dine and luxuriate in social occasions.
In case you’re after factors to spend on retail, you would possibly need to take a look at the perfect rewards-earning bank cards, that are linked to financial institution rewards packages (not particular frequent flyer memberships) and have decrease annual charges.
Different provides to look out for
Introductory provides are one huge advantage of frequent flyer bank cards, however you may as well search for reductions on annual charges and any cashback provides.
Some playing cards waive the annual charge for the primary 12 months, or in case you hit a minimal spend yearly.
There are additionally cashback or journey credit on provide, the place you’ll have a nominal quantity paid again to your account, or earn a journey voucher to spend annually. Each options assist offset any ongoing charges on the cardboard.
Some lenders provide 0% curiosity on steadiness transfers, which is the place you progress the debt from a bank card to 1 that gained’t cost curiosity for a sure timeframe.
Earlier than you ask, you gained’t earn factors once you switch a steadiness. Which implies combining a steadiness switch (the place the objective is to repay debt) with a card that’s about incomes rewards on huge spending is probably not the perfect mixture.
In case you’re eager to get forward of your bank card steadiness, use our one-click comparability device to discover a steadiness switch card that may assist you to most.
FAQs
What’s an ‘eligible transaction’ for incomes factors?
An eligible transaction normally means common spending on on a regular basis objects, like groceries, consuming out and reserving tickets (together with flights). Usually, you gained’t earn factors on money advances (the place you withdraw cash out of your bank card) and any balances transferred from a distinct card.
Usually, you gained’t earn factors on authorities transactions both, like paying your charges invoice.
The bank card’s PDS will define which transactions are eligible for incomes factors.
Are all frequent flyer factors value the identical quantity?
No, every frequent flyer program has their very own worth system. For instance, a $100 Bunnings reward voucher will value 23,170 Qantas Factors, or 21,800 Velocity Factors.
If you wish to get essentially the most out of your factors, you may search the completely different rewards packages and select the one with the higher factors redemption on belongings you’re most definitely to purchase.
Can I add further cardholders?
Including members of the family to the account is an efficient method to bump up your factors earnings sooner, however not all playing cards permit further cardholders, and a few make you pay.
The extra cardholder charge may be minimal, like $10 per 12 months, however may additionally require a charge to affix the membership program.
At all times examine the phrases for including additional cardholders to ensure it’s not going so as to add ongoing bills that outweigh the advantages.
How do I select my card as soon as I’ve selected my Rewards Program?
If which frequent flyer program you need to be part of, you may evaluate the playing cards hooked up to your program through the use of our one-click comparability device:
Evaluate all Qantas Frequent Flyer bank cards.
Evaluate all Velocity Frequent Flyer bank cards.
Or, you may evaluate bonus factors for all rewards playing cards, together with non-frequent-flyer packages, on our bonus factors comparability web page.
In case you’re nonetheless undecided, you may evaluate all bank cards providing frequent flyer factors and click on every card to learn its professionals and cons.
Can I earn factors on authorities funds, like my ATO invoice?
Most bank cards don’t provide factors on authorities transactions, and people who do are most frequently enterprise bank cards. Nevertheless, some American Categorical frequent flyer playing cards provide factors on funds to authorities our bodies.
As all the time, examine the cardboard’s particulars to seek out out.
