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Frequent Flyer Credit Cards

Earn Frequent Flyer Points while shopping and start travelling!

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. Need more info? We have put together a list of the best frequent flyer credit card offers out there.

Frequent Flyer credit card comparison:

20,000 Bonus Qantas Points

Up to 2 QFF points for every $1 spent overseas, 2 Qantas Club Lounge passes per year. 60K min income required.

20.99%
p.a.
21.99%
p.a.
0%
for 6 months
$199

15,000 bonus points

This Virgin Velocity Flyer card deal offers 15,000 points, 1 Velocity point per $1 spent, alongside buy 2 Virgin Australia seats and get exclusive reduced flights offer.

20.74%
p.a.
20.99%
p.a.
0%
for 6 months
$129

15,000 bonus miles

Citibank's Emirates World card offers half annual fee for the first year, 1 Emirates Skyward miles per $1 spent and much more

20.99%
p.a.
21.24%
p.a.
0%
for 9 months
$299

7,500 bonus Velocity points

No Annual Fee card with up to 2 points per $1 spent + free additional card holder

20.74%
p.a.
20.74%
p.a.
0.99%^
for 6 months
$0

50,000 bonus Qantas Points

The ANZ Frequent Flyer Black features complimentary premium travel + purchases insurances. 50,000 bonus points are awarded when you spend $1,500 on eligible purchases in the first 3 months

19.99%
p.a.
21.49%
p.a.
N/A
$0~

Bonus 5,000 Reward Points

$0 annual fee in the first year, $195 thereafter. ^ A one-off credit plan establishment fee of 1% applies to any balances transferred.

20.74%
p.a.
N/A
0.99%^
for 6 months
$0~

Bonus 7,500 QFF Points

Earn up to 1 QFF point per $1 uncapped. ^A one-off credit plan establishment fee of 1% applies to any balances transferred

20.74%
p.a.
20.74%
p.a.
0.99%^ for 6 months
$0

60,000 Bonus Velocity Points

Pay 1.9% p.a. on balance transfers for the first 12 months and 4 x flight discount offers, every year.

20.74%
p.a.
20.99%
p.a.
1.9%
for 12 months
$289^

Earn up to 50,000 Velocity Points

Two complimentary single lounge passes every year and complimentary platinum insurance covers.

20.74%
p.a.
20.74%
p.a.
0.99%^
for 6 months
$349

Frequently Asked Questions about Frequent Flyer Credit Cards

Why would I need a Frequent Flyer Credit Card?

Quick Tip

Not sure whether a frequent flyer credit card is best for you? Check out our handy guide to help you find the best credit card for you and start comparing the right credit card now.

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 no international transaction fees, free 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.

Annual Fees

You will pay no interest on balances transferred from existing credit cards for a given length of time. If you have a large amount to transfer from your current credit cards, then choosing a 0% balance transfer credit card with a long pay-back period will maximise the amount you save in interest. This will allow you a chance to pay back the amount you owe quicker by saving paying an interest rate on it.


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.

 

 

 

Is a frequent flyer credit card suitable for you?

YES

I plan to use the flyer points on offer

YES

I understand how the flyer points work

YES

I plan to pay the balance of the card off regularly

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