These Black credit cards earn unlimited Qantas frequent flyer points
By Chris C., November 9 2016
Disclaimer
Executive Traveller may receive a commission when you apply for these credit cards via our links.
The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your own personal circumstances before applying for any financial product.
While many banks are winding back the number of Qantas frequent flyer points you can earn every month, there are three Black-tier credit cards that continue to serve up Qantas Points without caps, limits or tiering: rewarding you for each and every dollar you spend.
Don’t settle for second-best or a meagre points cap from your existing bank: if your current credit card is holding you back, look for something more suitable – such as one of the cards below – to maximise both your points, and your perks.
ANZ Qantas Frequent Flyer Black credit cards
Topping the list is the ANZ Qantas Frequent Flyer Black American Express and Visa combo, serving up 1.5 Qantas Points per dollar spent on the AMEX and 0.75 Qantas Points per dollar via the Visa, both uncapped and without tiering.
Take advantage of ANZ’s current sign-up deal and you’ll also pocket a bonus 75,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months, with no annual fee for the first year.
Further, you’ll earn an extra Qantas Point for every dollar spent directly with Qantas including on flights and Qantas Club membership, with an annual fee of $425 in subsequent years.
AusBT review: ANZ Qantas Frequent Flyer Black AMEX, Visa
Westpac Altitude Black credit cards with Altitude Qantas
Look also to Westpac for unlimited Qantas Points on its Altitude Black American Express and World MasterCard duo when choosing ‘Altitude Qantas’ as your rewards option against a $395 annual fee.
You’ll net the same 1.5 Qantas Points per dollar on the AMEX card as with ANZ, but a marginally lower 0.625 Qantas Points per $1 on the MasterCard in Australia.
You'll also collect an extra Qantas Point per dollar spent directly with Qantas, and could earn up to 100,000 bonus Qantas Points after charging at least $5,000 to the card within the first 90 days.
The MasterCard’s earning rate also jumps to a solid 1.5 Qantas Points per dollar spent overseas and with a lower 3.0% overseas transaction fee than the 3.5% fee you’d incur to use the AMEX, all while taking advantage of MasterCard’s larger network of card-accepting merchants.
AusBT review: Westpac Altitude Black American Express, MasterCard
Citi Prestige Visa Infinite credit card
Fancy a single everyday credit card with a great earning rate? Then take a look at the Citi Prestige Visa Infinite credit card, on which you’ll earn one Qantas Point per dollar spent at home and abroad, again without any limits or reductions.
Enticing new customers through the door is an offer of 70,000 bonus Qantas Points after your first spend within 90 days, although with a total annual fee of $749, you'll want to make the most of the card's other perks like free hotel stays, status upgrades, airport lounge access and a Harrods VIP card.
Using this card to purchase Qantas flights or Qantas Club membership also nets an extra Qantas Point per dollar spent.
Also read: This month's top Qantas Frequent Flyer credit card sign-up deals
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Disclaimer
Executive Traveller may receive a commission when you apply for these credit cards via our links.
The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your own personal circumstances before applying for any financial product.
Chris is a a former contributor to Executive Traveller.
Qantas - Qantas Frequent Flyer
02 Jul 2011
Total posts 1374
Do any of these cards have points restrictions on government payments - I suspect that is an important question to some?
Qantas - Qantas Frequent Flyer
06 Nov 2014
Total posts 357
If you are referring to ATO payments, then the answer is yes. ANZ black will stop awarding payments to ATO from next Mon. Westpac earns 0.75 Qantas points for ATO payments made with Amex and nothing on Matercard. I don't know about Macquarie, so if someone can shed some lights on that would be great.
Whereas for council rates, land tax...etc, AFAIK you still get full point earn. But they don't accept Amex so point earn is minimal.
24 Apr 2012
Total posts 2432
Different councils accept different cards. Brisbane City Council doesn't accept AMEX but councils in other cities can and do accept AMEX.
QF
11 Jul 2014
Total posts 999
Overall I think I will stick to my Qantas Credit Union Visa Card that gives point per dollar spent.
Qantas - Qantas Frequent Flyer
26 Feb 2016
Total posts 8
Some Councils do not accept Amex directly, but if they take BillPost Pay, and take Paypal, then you can use your Amex via Paypal for the extra points.
And then you get Councils like Parkes that can't even take any credit card payment (even over the phone) except via BPay.
Jetstar Airways - Qantas Frequent Flyer
25 Mar 2015
Total posts 7
I thought that Westpac did not allocate FF points for ATO payments anymore - is it correct that you can earn 0.75 Qantas points if you use Westpac Amex?
Qantas - Qantas Frequent Flyer
08 Jun 2014
Total posts 168
Does anyone know what the merchant fees are on these cards. Ie how much they charge the merchant for u to use them?
10 Jun 2015
Total posts 6
My Bankwest World card still seems to have these beat. 1 point per $ (on a Mastercard so EVERYONE takes it) and it has no cap + seems to earn points on ATO payments. Love it.
I think its invitation only though... So you have to start with a Platinum card and spend your way into getting an invite to change over to the World card (which is also the most unassuming, drabbiest grey plane Jane card you can possibly imagine - which i quite like considering the outrageous limit on it. Theives would definitely pick the flashier looking platinum card over the world card to pinch any day.)
Qantas - Qantas Frequent Flyer
28 Dec 2015
Total posts 4
The macquarie platinum card has been giving out 1 QFF point for $1, even for ATO payments, but sadly this finishes on 10 May 2016.
09 Nov 2016
Total posts 2
Also with the ANZ Black if you have their breakfree home loan package, there is no annual card fee, only the reward fee which I think is $70.
Qantas - Qantas Frequent Flyer
29 Nov 2013
Total posts 475
These annual fees are starting to creep up - and with no additional upside like the AMEX Platinum charge card...$425, $400, $750...though I do note the Citi card has some additional perks
QFF
19 Sep 2013
Total posts 205
As someone who has just finished booking a J RTW using points for only $1200, I believe that it's ALL about maximising points accumulation, and I for one will continue paying the small annual charge to obtain more points for the next J flight.
05 May 2016
Total posts 616
The annual fee is worth it to get the sign up bonus if you need the points e.g. for upgrading work trips. Once you have the sign up bonus on your QF Frequent Flyer activity statement you should cancel before the second year's annual fee gets charged, wait at least 12 months then apply for the card again.
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