Air Miles Credit Cards

1 - 15 of 56

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Qantas American Express Ultimate Card Qantas Frequent Flyer	Bonus points 90,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Go to site More Info Compare	Get a yearly $450 Travel Credit and up to 90,000 bonus Qantas Points (70,000 when you spend $3,000 in the first 3 months and 20,000 points in year 2).
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 19.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Westpac Altitude Qantas Black Qantas Frequent Flyer	Bonus points 120,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $370	Go to site More Info Compare	Up to 120,000 bonus Qantas Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to site More Info Compare	(ABN holders w/ $75k revenue). Earn 150,000 bonus Qantas Points and a $200 credit when you spend $6,000 in the first 3 months.
NAB Rewards Signature Card NAB Rewards	Bonus points 180,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $288	Go to site More Info Compare	Earn up to 180,000 bonus NAB Rewards Points (worth $880 in eGift cards): 130k points when you spend $3,000 in the first 60 days and 50k after 12 months.
ANZ Rewards Platinum - Velocity Points Velocity Frequent Flyer	Bonus points 100,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $149	Go to site More Info Compare	Get up to 100,000 bonus Velocity Points: 70k points when you spend $2,000 in the first 3 months and 30k points after 15 months.
NAB Rewards Platinum Card – Velocity Points Velocity Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $95 first year ($195 after)	Go to site More Info Compare	Get up to 80,000 bonus Velocity Points: 60k points when you spend $1,000 in the first 60 days and 20k after 12 months.
ANZ Qantas Business Rewards Qantas Business Rewards	Bonus points 130,000	Points per $ spent 0.75	Purchase rate p.a. 20.24%	Annual fee $375	Go to site More Info Compare	ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.
Westpac Altitude Platinum Card Westpac Altitude Rewards	Bonus points 120,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $49 first year ($175 after)	Go to site More Info Compare	Up to 120,000 bonus Altitude Points (90,000 points when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
Qantas Premier Everyday Qantas Frequent Flyer	Bonus points 8,000	Points per $ spent 0.75	Purchase rate p.a. 19.99%	Annual fee $99	Go to site More Info Compare	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
NAB Rewards Platinum Card NAB Rewards	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $45 first year ($195 after)	Go to site More Info Compare	Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80k points when you spend $1,000 in the first 60 days and 20k after 12 months.
American Express Velocity Platinum Card Velocity Frequent Flyer	Bonus points 60,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $375	Go to site More Info Compare	Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Velocity Business Card Velocity Frequent Flyer	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 0%	Annual fee $249	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Finder Award Velocity Frequent Flyer	Bonus points N/A	Points per $ spent 0.66	Purchase rate p.a. 20.74%	Annual fee $0 first year ($149 after)	Go to site More Info Compare	Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
Qantas American Express Discovery Card Qantas Frequent Flyer	Bonus points N/A	Points per $ spent 0.75	Purchase rate p.a. 23.99%	Annual fee $0	Go to site More Info Compare	Earn uncapped Qantas Points per $1 spent, plus a $0 annual fee.

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What is an air miles credit card?

Also known as a frequent flyer credit card, you can use an air miles credit card to earn points or miles per $1 on your everyday spending. You can redeem these points for flights, upgrades, accommodation and more.

Many air miles credit cards in Australia come with perks like airport lounge passes, complimentary insurance and even flight vouchers or travel credits. If you get a new card, you could also enjoy a big bonus points offer.

How do air miles credit cards work?

Air miles credit cards earn frequent flyer points or miles when you use them to make payments. You'll typically earn between 0.5 and 2 frequent flyer points for each $1 of eligible spending on an air miles credit card.

These points or miles are added to your airline loyalty account, either directly or through a points transfer between the credit card rewards program and your frequent flyer account. From there, you can redeem reward flights, upgrades, accommodation and other rewards.

What is an "eligible transaction"?

The eligible transactions that earn points or airline miles usually include most of your everyday spending on things like dining, retail and supermarket shopping, petrol and entertainment. But transactions that don't usually earn points include:

Cash advances
Balance transfers
BPAY payments
Card fees and charges
Refunded purchases

If you're not sure whether a transaction will earn points, you can also check the terms and conditions or ask the credit card company.

Earning points for more than one airline loyalty program with a credit card

Some rewards credit cards allow you to transfer your points to several partnered frequent flyer programs (sometimes known as indirect earn cards). This type of card gives you a greater choice of rewards if you're a member of a few frequent flyer programs.

It's also a way to earn more miles with airline loyalty schemes that don't offer co-branded credit cards in Australia, such as KrisFlyer Miles, Asia Miles or Skywards Miles.

Madeleine G's tip

I'm convinced the best wedding planning tip is to pay for the event in cash but use a points card for the transactions. After paying for our wedding in 2023, we were able to book two business class seats with Singapore Airlines from Melbourne to London. The lobster thermidor has lived rent-free in my head ever since! If you don't have enough points to get you all the way, it's worth looking into how much you have to pay to buy the additional points for the seat you want. In our case, we ended up spending an extra ~$1500 to top up our points balance, which was still cheaper than if we had paid for the seats with cash.

— Madeleine G, Finder crew member

How to compare air miles credit cards

Bonus points offers. These cards often have introductory offers that give you a way to earn thousands of bonus points. Usually, you'll need to meet a spend requirement to earn the points (such as spending $3,000 in the first 90 days). As long as this spend requirement lines up with your budget, a bonus points offer is an easy way to earn a lot of points quickly.
Earn rate. This term refers to the number of frequent flyer points or miles you earn per $1 spent. Credit cards with higher earn rates also usually come with higher annual fees and interest rates, so you should weigh these up when deciding.
Points cap. Some cards limit the number of points you can earn. For example, a card may have a points cap of 50,000 points in a year, meaning you can't earn more than that no matter how much you spend. Or, a card may offer 1 point per $1 spent up to $5,000 in a statement period, then 0.5 points per $1 for the rest of that statement period. If you think you'll spend less than a points cap, it probably won't affect you. But if you'll spend more, compare cards with higher point caps.
Annual fee. Credit cards with airline rewards and perks typically have higher annual fees than more basic cards. In fact, they can go up to $1,450 on cards for personal use (and higher for business cards). Ideally, you should get more value from the rewards and other benefits than what you pay for the card. So you may want to calculate the value of your points, as well as any other perks you'll use before you apply.
Interest rates. Air miles credit cards often charge higher purchase interest rates than other cards. These cards are best suited to people who can pay off their balance in full and avoid interest each month.
Card perks. These cards can come with complimentary benefits such as free travel insurance, airport lounge access and personal concierge services. If you use these benefits, they could help justify the card's costs. But if you don't use them, they won't add any value.

Can you earn air miles without a credit card?

Yes – if you're a member of an airline loyalty program, you'll earn miles or points when you fly with the airline and its partners. Some loyalty programs also offer other ways to earn points, such as with retail partners. Check the airline loyalty program website for details of how to earn miles, or learn more about frequent flyer programs with Finder's guides.

How to redeem air miles

You can redeem frequent flyer points or miles directly through your airline loyalty program, either online or over the phone. Each loyalty program has its own process, but here are the basic steps involved in redeeming air miles online.

Go to the airline loyalty program's website and log in with your account details.
Check how many points or miles you have earned so that you know what rewards you'll be able to redeem.
Search for the reward that you want and follow the prompts to redeem it.

Keep in mind that a lot of frequent flyer programs give you the option of using a combination of points and cash to redeem rewards – including flights – if you don't have enough points for the reward that you want.

Types of air miles rewards

The rewards you can get with air miles or points will depend on the loyalty program. But usually it includes:

Flights. You can redeem your points for flights with the relevant airline and its partners. If you have a flight booking, you may be able to use your points to upgrade your flight to a higher flight class.
Hotels, car rental and travel packages. You can often use your points to pay for accommodation with partnered hotels, car rental and travel packages that include flights, hotels and activities.
Products from a rewards store. Use your points to shop at the online store, with rewards ranging from clothing, jewellery, homewares, electronics and toys.
Shopping and gift vouchers. Australian frequent flyer programs have lots of retail partners, so you can exchange your points for store vouchers either to be used online or at their bricks-and-mortar outlets. But you'll typically get more value from flight and travel rewards.

Are air miles credit cards worth it?

A credit card that earns air miles or frequent flyer points typically offers the most value to people who pay the total amount listed on their credit card statements by the due date. This allows you to make use of interest-free days for purchases, while also earning airline miles when you're not flying.

But air miles credit cards are not suited to everyone. People who typically take a few months to repay their credit card, or who don't want to pay an annual fee, may prefer to get value from cards that offer lower rates and fees.

So before you get an air miles credit card, consider your spending habits, lifestyle and rewards goals to help decide if it's right for you.

How to apply for an air miles credit card

Similar to other credit cards in Australia, you can apply for an air miles credit card online in around 10 to 20 minutes. You just need to check you meet the eligibility criteria, then to fill in a secure application form.

You'll also need to provide some personal and financial details, as well as supporting documents. Here are some key factors to keep in mind.

Income:
Some air miles credit cards have a minimum income requirement, such as $50,000 per year. But even if there is no minimum income listed, you typically need to earn a regular income. You can provide recent payslips, Australian Taxation Office assessment notices or bank statements to help the lender verify these details (which they need to do as part of their responsible lending obligations).
Spending and savings:
As well as income, you'll be asked about your savings, any other assets and existing loans or credit accounts. You also need to include an estimate of your regular expenses. This includes bills, groceries and other essentials, as well as entertainment, dining and other spending.
Frequent flyer details:
If you're applying for a credit card linked to one airline loyalty program, or where you need to nominate your chosen program, you may be asked for your frequent flyer details during the application. But you can also add these details to your account after approval for any air miles credit cards. Or call the credit card brand for support.
Other eligibility requirements:
As well as earning a regular income, you'll need to be at least 18 years of age. You also need to meet the Australian residency requirements and any other specific eligibility criteria that's listed for the card you choose.

After you submit your application, the credit card issuer will assess it and provide you with an outcome. If you're approved, you should get your card in 5-10 business days. And if you have any questions, just contact the issuer to discuss them.

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Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 587 Finder guides across topics including:

Credit cards
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