Best Credit Cards to Earn Qantas Frequent Flyer Points

Qantas credit cards are best for making online payments, especially when used for booking flights on Qantas. For Qantas frequent flyers, holding the right co-branded card can unlock the highest rewarding experience, as they can earn Qantas points every time they use it. There are various Qantas credit cards on the market, creating confusion about which to choose. If you are also fogged after seeing so many credit cards, then this guide is for you. Here, you'll find the top 5 Qantas credit cards for 2026 that help you earn the most Qantas frequent flyer points with the fewest fees.   

Top 5 Qantas Credit Cards To Earn The Most Qantas Points For Personal

To choose the best Qantas credit cards, you must consider numerous segments such as bonus points, earning rate, annual fees, and estimated points. Based on this, here are the top-most rewarding Qantas credit cards for personal use: 

1. The Qantas Money Titanium Card is currently the most rewarding credit card, offering up to 240,000 points. The annual fees are $1,200, with an earning rate of up to 1.25 points per dollar you spend. With this card, you earn 150,000 bonus points.
2. Westpac Altitude Qantas Black Credit Card that offers up to 150,000 bonus points, with an estimated Qantas points value of up to 191,000. The annual fees for this card are $295, and the points earn rate is up to 0.8 points per $1 spent. 
3. MyCard Prestige Qantas Card offers the highest earning rate with 1.5 points for each spent. This card has an annual fee of $749, and you can earn up to 125,000 bonus points. 
4. Qantas American Express Discovery Card offers 0 annual fees and lets you earn up to 54,000 points. However, no bonus points are included.  
5. ANZ Frequent Flyer Black Credit Card, which offers 130,000 points as a bonus and a 1 point earning rate. The annual fee is $425, which is slightly on the high side, but it can earn you up to 202,000 points. 

Best 5 Qantas Business Credit Cards Earn You The Most Qantas Points

The following list contains the best business credit cards where you can earn the most Qantas frequent flyer points:

1. The American Express Qantas Business Rewards Card offers you the highest estimated points total, up to 470,000 points, with 1.25 points per dollar spent. The annual charges are $450, and bonus points can be ~170,000. 
2. The ANZ Qantas Business Rewards Card has a 0.75 earning rate, making it the second-highest among all cards. The annual charges are $300, but the bonus points are 150,000 points, up to a maximum of 330,000 points. 
3. The NAB Qantas Business Signature Card has a $295 annual fee but gives you 150,000 bonus points and 0.66 points per dollar spent, up to 308,400 points. 
4. Westpac BusinessChoice Rewards Platinum Mastercard comes with a 0.5% earning rate and a $150 annual fee, but it allows you to earn up to 220,000 points, including 100,000 bonus points. 
5. Bendigo Bank Qantas Business Credit Card offers you 25,000 bonus points with a 0.6 points earning rate, $89 of annual fees, and your estimated earnings will be approximately 170,000 points. 

Final Thoughts

Taking the above comparison into account, choosing the best Qantas credit card, whether for personal or business use, depends solely on an individual's personal preference. The information above provides an overview of some of the top credit cards that earn you the most Qantas frequent flyer points. For a detailed comparison, you can check out the Qantas Airways official site by clicking here. 

Frequently Asked Questions

Q1. Which Qantas credit card offers the most Qantas points in 2026?

Ans: The American Express Qantas Business Rewards Card currently offers the most Qantas frequent flyer points, with a higher earn rate in 2026. 

Q2: How much is the annual fee for a Qantas credit card?

Ans: It depends on which Qantas credit card you use, as the annual fee varies by card type and ranges from $0 to $1,200 for personal cards and $80 to $500 for business cards. 

Q3.Is a Qantas credit card worth using?

Ans: Yes, using a Qantas credit card is generally worth it if you are booking flights or shopping with Qantas. You can earn rewards such as bonus points, Qantas frequent flyer points, and more. 

Q4. Which Qantas credit card offers zero bonus points?

Ans: Credit cards such as the CommBank Business Platinum Awards Credit Card, the Bendigo Bank Qantas Platinum Credit Card, and the Qantas American Express Discovery Card offer zero bonus points. 

Q5. Which Qantas credit card has no annual fees?

Ans: There are many Qantas credit cards with no annual fee, including the Qantas American Express Discovery Card and the CommBank Smart Awards Credit Card.