Frequent Flyer Credit Card Offers

Frequent flyer credit cards typically have a high level of interest and are best used by people that spend a decent amount of money on their credit cards and pay off their balance in full each month. Most importantly frequent flyer credit cards users must be interested in travel and want to earn travel rewards.

	Recommended Frequent Flyer Credit Card: Virgin Flyer Credit Card
	Virgin Flyer Credit Card Exclusive Offer: $0 Annual Fee for the first year (Reverts to $99) 1.9% p.a. for 12 months on balance transfers Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 Buy a seat on Virgin Australia and get a second seat for FREE Up to 44 Interest free days Please note a minimum income of $35,000 a year is required to apply for this card.

What sets Frequent Flyer Credit Cards Apart?

Allowing you to earn points that can be redeemed for travel, a frequent flyer credit card offers one of the most popular types of reward programs and is perfect for those people who travel often and use their credit card frequently. Also known as an air miles credit card, these cards earn points that can be redeemed for flights, accommodation, rentals and more. There are many options on the market, so be sure to spend some time to compare what's on offer, and choose a credit card that will provide the benefits that suit you.

	Qantas American Express Dsicovery Credit Card No annual credit card fee Pay 0% p.a. on purchases for the first 6 months Up to 7,500 Qantas Frequent Flyer Points Earn up to 1 Qantas Frequent Flyer point per $1 on eligible purchases with uncapped number of Qantas Frequent Flyer points you earn Global card support, Emergency card replacement virtually anywhere in the world Purchase protection, refund protection and online fraid protection guarantee				Woolworths Qantas Credit Card 16,000 Bonus Qantas Frequent Flyer Points A low 5.99% p.a. for 6 months on balance transfers Earn 1 Qantas Frequent Flyer point for every $1 spent on most purchases Concierge is available Low annual fee of $89 with free additional cardholder Up to 55 days interest free on purchases Standard purchase rate 19.99% p.a. MasterCard PayPass				HSBC Platinum Qantas Credit Card Special offer: 20,000 Bonus Qantas Frequent Flyer Points 0% p.a. for 6 months on balance transfers (with 2% handling fee) Up to 55 days interest free 2 Complimentary invitations to the Qantas Club lounge every year 2 Qantas Frequent Flyer Points on Select Purchases Overseas 1 Qantas Frequent Flyer Points on Select Purchases in Australia Platinum Personal Concierge Service Comprehensive Insurance Cover

	American Express Velocity Gold Ascent Earn up to 20,000 bonus Velocity Points Get 0% p.a. on purchases for the first 6 months Half annual fee first year, only $99 (Usually $199) Earn up to 2.5 Velocity points for every $1 that you spend Two complimentary single entry passes to the Virgin Australia lounge each year Complimentary Domestiic and International travel insurance Access to supplementary cards at no extra costs Purchase and Cash Advance rate of 20.74% p.a. with up to 44 days interest free				Emirates Citibank Platinum Credit Card Get 0.9% on Balance Transfers for 12 Months 25,000 Bonus Miles Complimentary lounge access in Australia and Dubai and chauffeur-drive service to and from Australian airports Complimentary international travel and purchase cover insurance 24/7 Personal concierge around the world				NAB FlyBuys Credit Card Receive 10,000 bonus FlyBuys Rewards Points Earn 1 FlyBuys point for every $1 spent 4.99% p.a. on balance transfers for the first 6 months Up to 44 days interest free on purchases Complimentary Overseas Travel Insurance 24/7 Platinum Concierge Service Additional cardholder at no extra cost

	Earth Platinum Credit Card Earn 1.5 Qantas Frequent Flyer points per $1 spent on purchases 0.99% p.a. on balance transfers for up to 6 months Annual card fee $250 Variable interest rate of 19.99%pa on purchases Up to 45 days interest free on purchases Up to 6 months complimentary Overseas Travel Insurance cover Complimentary Purchase Security insurance cover Complimentary Extended Warranty Insurance cover				ANZ Frequent Flyer 10,000 Bonus Qantas Frequent Flyer points Interest Rate of 19.89% p.a. on purchases and 20.99% p.a. on cash advances. Up to 44 days interest free credit on purchases Annual card fee of $95 Qantas Frequent Flyer American Express: Earn 1 Reward Points for every $1 spent on purchases. Qantas Frequent Flyer Visa: Earn 1 Reward Points for every $2 spent on purchases				Westpac Altitude Credit Card 3.99% p.a. on balance transfers for up to 6 months Receive 5,000 bonus Altitude points when you first use either card for a purchase. Annual fee $100 Interest rate of 19.99%p.a. on purchases Up to 45 interest free days on purchases Altitude rewards program

Frequent Flyer Credit Card Basics

I myself am a regular flyer and big spender on my credit card, I have the Qantas Ultimate American Express. I earn 1.5 points for every dollar spent with no points capping. This leads to free business class flights even to Europe. Therefore this more than covers the huge annual fee charged on the card.

Planning is key before you make your decision on whether a frequent flyer card is right for you and if so, then which one to get. Firstly work out the total amount you will spend on the card in a year. Look at the rewards, "flights", that you can achieve from this spend. Which works out better? While doing this exercise also look at the other key features of the credit card. What is the annual fee? Take the annual fee amount off any benefits you get from points. Most frequent flyer credit cards offer special benefits e.g. a free flight each year. If this is useful then add this benefit in dollar terms. This way you should really be able to see what card is best for your needs..

Common Questions about Frequent Flyer Cards

Why would I need a Frequent Flyer credit card?

If you use your credit card regularly, you may want to be rewarded for the purchases you make. The frequent flyer credit card is the perfect way to get something back when you use your credit card. While there are many rewards programs out there, the frequent flyer programs are still among the most popular.

It is a great option if you are a frequent traveler, and you want to get more when you travel. By using your frequent flyer credit card to pay for flights, accommodation and rentals, you can earn points that can be redeemed for future travel. If you take a lot of holidays, or if you travel regularly for business and have to pay your own way, a frequent flyer credit card is an excellent way to get something back that you will actually use. Depending on the card you choose, you can also take advantage of a range of benefits, such as travel insurance, a concierge service and access to VIP airport lounges.

What are the benefits?

Earning Points:

One of the most obvious benefits would have to be the frequent flyer points you earn when using the credit card. These points can be redeemed to pay for future flights, accommodation and car rental on your next holiday or business trip.

Bonus Points:

Depending on the credit card you choose, you also have the opportunity to earn bonus points. These are normally attached to an introductory offer and may have an expiry date, so make sure you check all the details before signing up. Also, try not to be swayed by a great introductory offer if it means the credit card you end up with is not as good in the long-term as another card without an offer.

Upgrades and Other Offers:

Some frequent flyer credit cards may offer upgrades when you fly, or the chance to take advantage of offers like two for one, where you get discounts when two people travel instead of one.

Frequent Flyer Membership:

Each card will be different, but many will offer automatic free membership to their frequent flyer program. Other frequent flyer credit cards will charge for this service, so make sure it is one that you will get most out of so you don't waste money. Advantages of membership include free upgrades, special offers, priority check-in, access to airport lounges and more.

When would a Frequent Flyer credit card not be the best choice for me?

Each credit card has its pros and cons, so one card may be great for one person, but not as beneficial for another. One of the most important things to consider when choosing a frequent flyer credit card is how much you plan to use the card. To get the most out of this type of credit card, you really need to use it frequently. You need to spend more to earn more, or you may end up paying more in annual fees than you get back in rewards.

If you are not a high spender, you may not see the full benefits of this type of credit card. In which case, you can choose a different type of card, or you can change the way you spend. To use your credit card more frequently, you can use it to pay for household expenses and bills, which could allow you to earn more points to make it more worth your while.

As well as usually having higher annual fees than regular credit cards, frequent flyer credit cards can also attract higher interest rates. If you tend to carry a balance each month, then you may end up paying a lot in interest. If this describes you, you may find that you end up paying more in interest than you get back in rewards, meaning that it might be better for you to choose a credit card with a lower interest rate.

Lastly, if you are not a frequent traveler, you may find that you don't get much out of this type of credit card. Some frequent flyer credit cards will have an expiry date on points, meaning that your points might expire before you have the chance to use them. It may be more beneficial to choose another type of rewards credit card where you can actually take advantage of the points you earn.

Do I need to spend money on flights to earn frequent flyer points?

You don't need to be using your card to buy flights in order to earn points. Each frequent flyer credit card will have affiliated partners, so the amount of money you spend with certain companies will earn a different number of points. You can earn points just by doing your day-to-day shopping. Check the terms and conditions on your credit card to make sure you understand how the points system works.

How do I earn points on a Frequent Flyer credit card?

Each frequent flyer credit card will have different points systems, so that you earn different amounts of points for different purchases. Similarly, the value of each point will be different for each card. Depending on the card you choose, there will be different spending tiers, so if you use your credit card for certain purchases, you will earn more points than if you were using your card elsewhere.

To earn points on a frequent flyer credit card, make sure you know where you can earn points, and that you choose a card where you can earn points where you usually shop. Then all you need to do is use your credit card to pay for the items you usually buy, whether it is the weekly food shopping or flights overseas, and you will earn points that can be redeemed.

How do I get the most out of a Frequent Flyer credit card?

To get the most out of a frequent flyer credit card, you will need to use it regularly. Spend more and you can earn more points. Be sure to choose a card that gives you the highest number of points for the amount you spend, as well as giving you the most back for each point you earn. It's also a good idea to choose a card that rewards you for buying the things you normally buy. There's no point buying things you don't need just to get rewards points.

You need to make sure that the credit card you choose gives you the rewards you need. Check to see what airlines you can use your points with before signing up. Also make sure that the amount you pay in annual fees and interest is not more than the amount you get back in rewards.

How do I redeem points on a Frequent Flyer credit card?

Most frequent flyer credit cards should have an online store that you can log in to. Here you will be able to check your points balance, check what you can buy with your points, and see what special offers are available. You should be able to use this online store when you want to redeem your points, making it easy to claim your rewards. Most credit card providers also let you split the cost of items, so you can pay using a combination of cash and points.

Do I need to be a member of a frequent flyer club?

Many frequent flyer credit cards will give you automatic membership to their frequent flyer club, however there are some that don't. You will need to pay a one-off fee to join, after which, you can take advantage of the perks of being a member. Check the terms on your card before you sign up.

Do I need to have a good credit history to apply?

Usually, credit card providers will insist on applicants having a good credit history in order to be approved. Depending on the provider, there is usually a higher minimum income than regular credit cards as well. However, there are a lot of options out there, so shop around and you may be able to find the perfect card for you.

What should I compare when choosing a Frequent Flyer credit card?

Point to Dollar Value:

When you are earning points, you want to make sure that you get as much back as possible. Spend some time comparing how many points you earn for purchases, and what value each point will have. Try to choose a frequent flyer credit card that will reward you with the most amount of points from the purchases you usually make, as well as giving you a high dollar value for each point.

With some cards you may need to spend a dollar to earn one point, or you may get three points. However, it's important to check how much each point is worth, as you may need more points to redeem less. Some credit card providers will also offer an American Express card as well as a Visa or MasterCard. By using the AMEX, you may earn more points per dollar.

Program Partners:

Each frequent flyer credit card will be affiliated with different companies, both for earning and using points. Be sure to choose a credit card that is partnered with companies that you usually buy from. In doing this, you will be more likely to use your credit card there to earn points, and you will be able to redeem your points with companies you like. For example, there is no point choosing a card that will only give you frequent flyer points with an airline you never fly with.

Introductory Offers:

As with many types of credit card, there are numerous frequent flyer credit cards that offer excellent sign-up bonuses and introductory offers to get you in the door. While some of these are great value, there are others that will leave you stuck with a credit card that you don't need and can't use. Sometimes it is better to choose a card with no offer that works better for you in the long run.

Extra Features and Benefits:

Many frequent flyer credit cards come with extra perks, such as a concierge service and complimentary insurances. This is especially the case if you choose a Platinum or Gold credit card. Be sure to check that the benefits you receive are worth what you are paying for them and that you actually need them, as you may find that these cards charge higher fees.

Points Capping and Expiry:

As with many rewards credit cards, some credit card providers choose to cap points or have points that expire after a certain period of time. Try to choose a card that will give you the freedom to earn and redeem points in a way that suits you.

Annual Fees:

This is one of the most important things to think about when comparing frequent flyer credit cards. Earning points on a credit card is essentially a service that you are paying for, and the way you normally pay for it is through the annual fees. Typically, frequent flyer credit cards come with higher annual fees than regular credit cards, so make sure you are getting more back in rewards than you are paying out in fees.

Interest Rates:

As with annual fees, you may find that frequent flyer credit cards charge slightly higher interest rates than regular credit cards. Credit card providers need to make the money back on what they give out in rewards, which usually means you will pay more for another feature on the card. If you carry a balance each month, try to choose a card that has a lower interest rate, or you may end up losing what you earn in rewards with the amount of interest you pay.

Find out more about frequent flyer credit cards with our 5 part article series

• What are Frequent Flyer Credit Cards?
• Benefits of Frequent Flyer Credit Cards
• How to Get the Most Out of Frequent Flyer Credit Cards
• Is a Frequent Flyer Credit Card Right for You?
• How to Compare Frequent Flyer Credit Cards at CreditCardOffers.com.au