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Find all the features listed to make the best choice possible.
 0.99% Balance Transfer for 6 months~Amplify Rewards points on everyday purchases ~ Or earn Qantas Frequent Flyer points instead. |
 Balance Transfer Rate reverts to 20.74% after 6 months |
0.99% for 6 months; thereafter reverts to 20.74%
| No Annual Fee EVER ~ 2.9% p.a. Balance Transfer Rate for 6 months ~ Low Purchase Rate 18.99% p.a ~ Choice of colours!
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Balance Transfer Rate reverts to 20.99% p.a.after 6 months. |
| 0% Balance Transfer for 7 months ~ Earn 4 Air Miles per $1 spent up to 25,000 Miles ~ Best International Frequent Flyer Program 20 |
The Purchase Rate is 20.99% p.a.~ Annual Fee $229 |
0% Balance Transfer for 7 months; thereafter 21.24%
| 1.9% p.a. on Balance Transfers for first 9 months ~ 1 Velocity Point per $1 spent ~ complimentary domestic flights ~ Annual Fee $9 |
Purchase Rate is 20.99% p.a. |
1.9% p.a. on Balance Transfers for the first 9 months, reverting to the cash advance rate thereafter.
| Uncapped Qantas Frequent Flyer pts for everyday purchases ~ 10,000 bonus points ~ Add another cardholder free. |
Annual Fee $95 |
| Uncapped Frequent Flyer points and Comp Qantas Frequent Flyer membership ~ Overseas Travel & Medical Insurance etc. |
Annual fee is $295. |
| 4.99% p.a. Balance Transfer rate for 12 months ~ Earn extra More Rewards Bonus Points or Qantas FF points~ 3 Free additional cardh |
No introductory rate on purchases ~ $89 Annual Fee |
4.99% p.a.for 12 months; 19.24% thereafter.
| 1.9% p.a. Balance Transfer rate for 6 months~ 15,000 bonus Velocity Points when you spend $5000 in first 3 months~ Comp Travel Ins |
Annual Purchase Rate is 20.99% |
1.9% p.a. for 6 months
| 6.9% p.a.Balance Transfer rate for 9 months ~ 50,000 Citibank Reward points or 50,000 Qantas FF Points ~ Comp Insurance |
Purchase Rate is 20.74% ~ Annual Fee is $700 |
Balance Transfer rate is 6.9% p.a. for 9 months; thereafter 21.24%Frequent Flyer Credit Cards
Frequent flyer credit cards and airline cards allow you to collect miles for every purchase you make with your card, which you accumulate and cash in for free or discounted flights, upgrades, hotel stays, car rentals or other travel-rated perks.
Some cards will also give you access to special airport lounges, if you travel frequently and they may include a batch of initial points as a "teaser" to get you to sign up.
These programmes shouldn't be confused with the Frequent Flyer schemes that the airlines themselves run as loyalty schemes and reward their passengers with miles for flying with them every time.
Benefits of Frequent Flyer Credit Cards
In the same way that cash back programs are attractive perks, a Frequent Flyer credit card works well for people if all the other features of the card work well too. It is not usually a main reason to choose one card over another.
If you are financially organised enough to pay off your balance in full every month then a frequent flyer credit card can give you excellent rewards over time.
Potential Drawbacks of Frequent Flyer Credit Cards
Unless you travel frequently and can rack up the reward miles to their full, these cards may not be worthwhile.
Also, don’t be fooled by the perks! Many reward credit cards are only worth considering if you pay your balance off in full each month because, if the accompanying interest rates are high, the interest you pay on purchases will far outweigh the advantages you get from the frequent flyer miles.
The Lower Bills Promise
We can't promise you'll be approved but we can promise to provide you with the right information so that you apply for the best credit cards possible!
