Greatest Frequent Flyer Credit score Playing cards


Frequent flyer bank cards reward you with free flights, upgrades and different journey perks only for doing all your on a regular basis spending. There’s a card for all the things: you’ll be able to select from primary, no-frills choices to playing cards that dish out large factors and large options.

Loads of frequent flyer bank cards include epic sign-up bonus factors to kickstart your rewards stash, and a few have stability switch options if you wish to shift your debt to a brand new card for 0% curiosity and pay it off sooner.

Or, when 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 simple by summarising the options of every card proper right here. You’ll be able to 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 November 2021

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.

Citi Premier Qantas Credit score Card – 100,000 bonus Qantas Factors

Get pleasure from a bountiful 100,000 bonus Qantas Factors once you apply for a brand new Citi Premier Qantas Credit score Card by April 28, 2022 and spend $4,000 on eligible transactions inside the first 90 days from card approval. Enhance earned factors with 1 Qantas Level per $1 spent on eligible transactions on-line and internationally, and 0.5 factors per $1 on home spend elsewhere. So as to add extra the attractiveness of this card, Citi now gives a half low cost on annual payment which saves you $175 for the primary yr once you meet the annual spend requirement of $48,000, at the moment $375. You can too reap the benefits of the 0% p.a. curiosity on stability transfers for six months with no stability switch payment. Add as much as 4 further cardholders at no additional prices. Cashback and reductions with collaborating retail and repair supplier companions plus complimentary lounge passes and journey insurance coverage at hand.

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ANZ Frequent Flyer Black – As much as 130,000 bonus Qantas Factors and $255 again

The ANZ Frequent Flyer Black bank card may give you as much as 130,000 plus a cashback. Earn 100,000 bonus Qantas Factors and $255 again to your new card once you spend $3,000 on eligible purchases within the first 3 months from approval and a further 30,000 Qantas Factors once you preserve your card for over 12 months. You’ll earn 1 Qantas Level per $1 on eligible purchases per assertion interval as much as $7,500, then 0.5 Qantas factors thereafter, and get a bonus level once you purchase chosen Qantas services. This card additionally has first-class advantages like two Qantas Lounge invitations per yr, free worldwide journey and buy safety insurance coverage, entry to invite-only occasions by Exclusives by ANZ, and a 24/7 private concierge service. The annual payment is somewhat larger at $425 p.a. as a result of it is a premium card with above common rewards.

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Citi Rewards Card – Factors & Present Card Supply – 90,000 Citi reward Factors and a $100 Coles eGift Card

The Citi Rewards Card does what it says: it gives 90,000 Citi reward Factors (the equal of $300 in digital present playing cards with collaborating sellers), plus a $100 Coles eGift Card once you spend $3,000 on eligible purchases inside 90 days from approval. You’ll earn 1 Citi rewards Level per $1 spent on all eligible transactions, together with abroad spending. One large level of distinction is you can earn reward factors on paying hire, taxes, training charges and childcare utilizing Citi PayAll, and a pair of Citi rewards Level per $1 spent on all eligible transactions made utilizing the Linked Diners Membership Card. Citi reward Factors could be transformed to some journey rewards applications like Flybuys. The annual payment is discounted to $49 for the primary yr, and $149 onwards, and also you’ll get free journey insurance coverage, and cashback gives with accomplice companies. At the moment, it gives 0% p.a. for 15 months on stability transfers with no stability switch payment.

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Qantas Premier Platinum Credit score Card – 90,000 bonus Qantas Factors

With the Qantas Premier Platinum Credit score Card, you’ll get 90,000 bonus Qantas Factors once you apply for a brand new card by 28 February 2022, and spend $3,500 or extra on eligible purchases inside 3 months from card approval. Their rewards program is strong too, supplying 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. This card has another good perks, like a concierge service, discounted flights for as much as 8 companions, lounge entry and a lowered annual payment for the primary yr, plus 0% p.a. on stability transfers for 18 months.

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ANZ Rewards Black Credit score Card – 180,000 bonus Reward Factors

Huge on rewards, the ANZ Rewards Black Credit score Card gives 180,000 bonus factors once you spend $2,000 on eligible purchases within the first 3 months. It’s received nice earn potential too, supplying you with 2 Reward Factors per $1 spent on eligible purchases (as much as $5,000 per assertion interval, then 1:1 after that). ANZ Reward Factors could be transformed to a wide range of journey companions like Velocity Frequent Flyer factors, Air New Zealand Airpoints {Dollars}, Singapore Airways and Asia Miles. ANZ can also be waiving the $375 annual payment for the primary yr.

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NAB Qantas Rewards Signature Credit score Card – As much as 110,000 bonus Qantas Factors

The NAB Qantas Rewards Signature Credit score Card dishes out some good rewards and a lowered annual payment of $295 for the primary yr. You’ll be able to rise up to 110,000 bonus Qantas Factors as a brand new applicant, with a couple of circumstances: you’ll unlock 90,000 factors once you spend $3,000 on eligible purchases inside 60 days, and one other 20,000 when you maintain the cardboard for 12 months. The earn fee is first rate too, at 1 Qantas level per $1 spent as much as $5,000 per thirty days, after which 0.5 Qantas Factors per $1 as much as $20,000. This card additionally comes with free journey insurance coverage for abroad and home journey (circumstances apply), and concierge companies.

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Discovering the Greatest Credit score Card Affords on Frequent Flyer Playing cards

Frequent flyer factors (and the redemption applications they’re connected to) generally is a complicated world to dive into, however they’re additionally among the finest perks a bank card can provide.
You’ll earn rewards factors only for doing all your day-to-day spending, and convert these factors into journey freebies and privileges, and even retail merchandise.
Now positive the best way to discover your finest card? We’ve received you coated. Beneath is a straightforward information on frequent flyer factors, how they work, and the best way to discover the bank card that’ll provide the most bang in your buck.

When you’re prepared to match, you’ll be able to try our record of the highest frequent flyer bank cards for this month, or use our comparability instrument to kind frequent flyer playing cards by totally different options, and verify what number of factors you would possibly earn in a yr based mostly in your regular spending habits.

Step 1: Issues to look out for when evaluating frequent flyer bank cards:

  • The frequent flyer program it’s connected to
  • Whether or not the factors could be transferred to different frequent flyer applications
  • Introductory bonus factors you get for signing up
  • Any expiration dates in your factors
  • The earn fee (factors you earn per greenback spent)
  • Caps on the factors you’ll be able to earn
  • Annual charges
  • Different bonus options of the cardboard

Let’s check out some intimately.

Introductory Bonus Factors

Some frequent flyer playing cards offer you 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 often means spending a minimal quantity in your card inside a sure timeframe. Examine the quantity required and be sure to can meet it – it’s typically within the neighborhood of $3,000 spent inside 90 days of approval, however could be kind of.

What number of factors you can earn

Rewards factors are handed out for the {dollars} you spend on eligible purchases. Some issues received’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 occasions, rewards additionally received’t apply on stability transfers, the place you progress your stability 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 verify.

We clarify all about stability switch bank cards in our information to utilizing stability transfers to assist pay down debt.

The quantity of factors you’ll be able to earn depends upon a couple of issues:

  1. The earn fee. That’s what number of factors per $1 you spend. 1 frequent flyer level per greenback is pretty commonplace, though some playing cards provide 0.5 or 0.75 factors per $1.
  2. Tiered factors. Typically the earn fee 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 per thirty days, 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 an affiliate enterprise or airline.
  3. Factors caps. Some playing cards put a restrict on the quantity of frequent flyer factors you’ll be able to earn in a yr (for example, 100,000 factors yearly). Nonetheless, in some instances, factors which are earned for purchases made with explicit companies are uncapped factors and don’t depend in direction of your complete factors depend. So you can earn, for instance, 125,000 factors in a yr even when the cap is 100,000, as a result of 25,000 have been earned from uncapped purchases at sure shops.
  4. Membership standing. Relying on the cardboard, it’s possible you’ll 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’ll be able to take into consideration how a lot you spend in your card every month, and select a suggestion with uncapped factors or the next spending tier so that you don’t lose out on priceless rewards by hitting the factors incomes restrict.

Additionally, take into account the belongings you purchase typically. For those who use your card for grocery store spending, search for a card with the very best earn fee on these purchases. Or, when you use your card for journey, discover a card that rewards spending on flights, lodging and automobile leases.

Annual charges and ongoing prices (and the trifecta candy spot)

The balancing act of discovering an amazing frequent flyer card for you is weighing up the annual payment, the earn fee and the introductory provide.

Tremendous useful recommendations on annual charges:

  • A card with an enormous introductory provide is more likely to have the next earn fee, but in addition the next annual payment.
  • A card with a reasonable introductory provide will often have a decrease earn fee, and a decrease annual payment to go well with.

Discovering a card that hits your trifecta candy spot means wanting on the worth you’ll get from the frequent flyer rewards, and deciding if it outweighs the annual payment.

For instance, when you earned 45,000 factors per yr on a Qantas frequent flyer bank card that supplied 1 level per $1 spent, and had an annual payment of $350, you would need to weigh up in case your factors earn was well worth the barely larger yearly payment.

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 another perks the cardboard gives like free journey insurance coverage, the cardboard may fit out properly in your favour even with the next annual payment.

And naturally, that instance doesn’t embody any bonus provide factors once you enroll.

On that time, some playing cards provide lowered annual charges for the primary yr, or decrease ongoing annual charges when you spend a minimal quantity per yr. Examine for the newest frequent flyer bank card annual payment offers utilizing the ‘annual payment’ toggle on our one-click comparability instrument.

The curiosity you’ll be charged

Once you use your bank card and don’t repay the stability (the quantity you owe) earlier than the due date or inside any interest-free intervals the cardboard gives, you’ll need to pay curiosity on the stability.

It’s additionally referred to as the acquisition fee, and frequent flyer bank cards are likely to have larger buy charges as a result of they’re a high-value card.

Examine the acquisition fee and be sure to’re assured you’ll be able to carry on prime of your repayments so that you’re not slugged with excessive curiosity fees, as a result of that can cut 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 when you don’t use your card for a specified period of time.

Frequent Flyer program Factors expiry coverage Find out how to preserve factors lively
Velocity Factors Sure, after 24 months of inactivity
  • Use your card for spending no less than as soon as in 24 months
  • Switch FlyBuys factors to your Velocity account
  • Redeem factors out of your card
Qantas Factors Sure, after 18 months of inactivity in your account
  • Use your card for spending no less than as soon as in 18 months
  • Redeem factors out of your card
  • Use the Qantas Wellbeing app that rewards you with Qantas factors for sleeping and exercising
  • Use your On a regular basis Rewards card at Woolworths and set the factors to switch on to your Qantas Factors account (2,000 Everday Rewards factors = 1,000 Qantas factors)
American Specific Journey Factors No expiry, however factors can be misplaced if all playing cards related to this system are cancelled
  • Preserve one Amex card open and connected to your Membership account
  • Use your factors earlier than you cancel the cardboard
  • Switch the factors to an airline within the Amex community

Fortunately, when you’re selecting a frequent flyer bank card, it’s simple to maintain your account lively since you’ll be incomes factors each time you spend in your card.

At all times verify the nice 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 very best frequent flyer program for you

Every frequent flyer bank card is linked to a selected frequent flyer program you can redeem the factors by.

Right here’s a snapshot of the frequent flyer applications out there that cowl Australian and worldwide airways:

  • Qantas – Qantas Frequent Flyer
  • Virgin – Virgin Australia Velocity Frequent Flyer
  • Jetstar – Jetstar 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 Specific applications. Nonetheless, you should still use your frequent flyer factors for different airways inside the similar 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

Once you apply for a bank card connected to a frequent flyer program, you’ll have to turn out to be a member to begin incomes and spending factors.

Most applications are free to affix, or offer you alternative to affix without cost by different partnerships.

For instance, becoming a member of Qantas Frequent Flyer often prices $99.50, however some bank cards provide free membership, or you’ll be able to be part of through your Woolworths On a regular basis Rewards card.

Earlier than you apply, it’s a good suggestion to verify the small print on the cardboard to learn the way 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 will likely imply utilizing your card with sure companions inside the journey business, reminiscent of motels and automobile 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 amazing thought to verify 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 wish to get without cost!).

Sometimes, you should utilize frequent flyer factors for:

  • Journey. That features flights, upgrades, motels and lodging, and automobile rental.
  • Purchasing. Go to this system’s on-line rewards retailer to seek out and redeem your factors at well-liked shops.
  • Present playing cards. You’ll be able to redeem frequent flyer factors for present playing cards, however usually you’ll get extra worth utilizing them for journey.
  • Enjoyable eating extras. Some applications provide freebies and reductions on eating. For instance, Qantas Factors could be redeemed on Qantas wine.

For those who don’t have sufficient factors to cowl all the price of the acquisition, many playing cards provide points-and-pay, the place you’ll be able to pay money to cowl any shortfalls in your factors.

Step 3: Testing your card’s different options

Many bank cards provide a bunch of different options moreover rewards factors, and frequent flyer playing cards – particularly the fancier, costlier ones – are sometimes choc-full of them.

Options you would possibly discover on a frequent flyer bank card:

  • Complimentary journey insurance coverage (could possibly be home, worldwide, or each)
  • Airport lounge entry
  • Airport transfers
  • Journey credit score
  • Concierge companies
  • Reductions with partnering companies
  • Cashback gives
  • VIP entry to occasions

All the additional ‘dazzle’ on a card might help offset the upper annual payment, particularly when you like to journey, dine and luxuriate in social occasions.

For those who’re after factors to spend on retail, you would possibly wish to take a look at the very best rewards-earning bank cards, that are linked to financial institution rewards applications (not particular frequent flyer memberships) and have decrease annual charges.

Different gives to look out for

Introductory gives are one large advantage of frequent flyer bank cards, however you too can search for reductions on annual charges and any cashback gives.

Some playing cards waive the annual payment for the primary yr, or when 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 every year. Each options assist offset any ongoing charges on the cardboard.

Some lenders provide 0% curiosity on stability transfers, which is the place you progress the debt from a bank card to at least one that received’t cost curiosity for a sure timeframe.

Earlier than you ask, you received’t earn factors once you switch a stability. Which suggests combining a stability switch (the place the objective is to repay debt) with a card that’s about incomes rewards on large spending might not be the very best mixture.

For those who’re eager to get forward of your bank card stability, use our one-click comparability instrument to discover a stability switch card that can assist you most.

FAQs

What’s an ‘eligible transaction’ for incomes factors?

An eligible transaction often means common spending on on a regular basis gadgets, like groceries, consuming out and reserving tickets (together with flights). Usually, you received’t earn factors on money advances (the place you withdraw cash out of your bank card) and any balances transferred from a distinct card.

Typically, you received’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 present voucher will price 23,170 Qantas Factors, or 21,800 Velocity Factors.

If you wish to get essentially the most out of your factors, you’ll be able to search the totally different rewards applications and select the one with the higher factors redemption on belongings you’re most definitely to purchase.

Can I add further cardholders?

Including relations to the account is an efficient approach to bump up your factors earnings sooner, however not all playing cards enable further cardholders, and a few make you pay.

The extra cardholder payment is perhaps minimal, like $10 per yr, however can also require a payment to affix the membership program.

At all times verify the phrases for including additional cardholders to verify 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 you realize which frequent flyer program you wish to be part of, you’ll be able to examine the playing cards connected to your program by utilizing our one-click comparability instrument:

Examine all Qantas Frequent Flyer bank cards.

Examine all Velocity Frequent Flyer bank cards.

Or, you’ll be able to examine bonus factors for all rewards playing cards, together with non-frequent-flyer applications, on our bonus factors comparability web page.

For those who’re nonetheless undecided, you’ll be able to examine all bank cards providing frequent flyer factors and click on every card to learn its execs 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. Nonetheless, some American Specific frequent flyer playing cards provide factors on funds to authorities our bodies.

As at all times, verify the cardboard’s particulars to seek out out.

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