Comprehensive Comparison of Qantas Credit Cards in 2026

Introduction

In 2026, Qantas credit cards remain a popular choice for Australians seeking to maximise their travel rewards through the Qantas Frequent Flyer program. These cards offer varying benefits such as bonus points, high earn rates, and travel perks. Understanding each card's features can help you select the most suitable option for your needs. Last verified: 2026-07-25.

Key Takeaways

• Qantas credit cards offer lucrative bonus point opportunities.
• Annual fees range from $99 to $1,200.
• Card benefits often include travel credits and bonus status credits.
• Always check current terms before applying.

Top Picks

The table below compares the top options across key features.

Card/Product	Key Feature	Earn Rate	Annual Fee	Verdict
Qantas American Express Ultimate Card	100,000 bonus points	1.25 points per $1 spent	$450	Strong welcome offer [1]
ANZ Frequent Flyer Black Card	130,000 bonus points	Up to 1 point per $1 spent	$425	High bonus, moderate fee [1]
Qantas Money Titanium Card	150,000 bonus points	Up to 1 point per $1 spent	$1,200	Premium benefits, costly [4]

Pros and Cons

Here is a summary of the card's main advantages and disadvantages.

Pros

• Significant bonus points for new cardholders.
• High earn rates enhance point accumulation.
• Valuable travel perks like lounge access.

Cons

• High annual fees on premium cards.
• Minimum income requirements may apply.
• Limited to Qantas airline benefits.

How It Compares

The table below shows how this card stacks up against direct competitors.

Card	Annual Fee	Earn Rate	Welcome Bonus	Foreign Fee	Best For
Qantas American Express Ultimate Card	$450	1.25 points/$1	100,000 points	3%	High earn rate [5]
ANZ Frequent Flyer Black Card	$425	Up to 1 point/$1	130,000 points	3%	High bonus [1]
Qantas Money Titanium Card	$1,200	Up to 1 point/$1	150,000 points	3%	Max benefits [4]

The Qantas American Express Ultimate Card suits those seeking high earn rates, while the ANZ Frequent Flyer Black Card is ideal for those attracted by a high bonus. The Qantas Money Titanium Card, despite its considerable cost, appeals to frequent travellers valuing extensive benefits.

Real World Example

Consider a cardholder who spends $30,000 annually on their Qantas Money Titanium Card. With an earn rate of up to 1 point per $1 [4], they would accumulate 30,000 Qantas Points. Adding the 150,000 bonus points, they receive a total of 180,000 points in the first year. Assuming the value of Qantas Points is 1 cent each, this amounts to $1,800 in rewards value. Deducting the $1,200 annual fee, the net benefit stands at $600.

What is the annual fee for this card?

The Qantas Money Titanium Card has an annual fee of $1,200 [4]. It's important to consider if the benefits justify the cost. Always check the issuer's website for any updates.

How do I earn points with this card?

Points are earned for every dollar spent. The Qantas Money Titanium Card offers up to 1 point per $1 spent [4]. This typically applies to eligible purchases, excluding cash advances and balance transfers.

Can I transfer my Qantas Points?

No, Qantas Points cannot generally be transferred. They are intended to be used within the Qantas Frequent Flyer program. Always refer to the program rules for specific redemption opportunities.

Does this card offer travel insurance?

Some cards, like the Qantas American Express Ultimate Card, provide complimentary travel insurance [5]. This can cover various travel incidents if you meet certain spending criteria pre-trip.

Is there a minimum income requirement?

The Qantas Money Titanium Card requires a minimum income of $200,000 [4]. This ensures that cardholders can meet potential repayments and makes this card more exclusive.