The leaves may soon start falling from the trees, but so far this autumn, Australia's credit card sign-up deals remain as hot as summer, with up to 120,000 bonus Qantas Points from a single card application, and almost 1.5 million bonus frequent flyer points on the table from these offers alone.
Without further ado, take a look at this month's top Qantas credit card offers from American Express, ANZ, Bank of Melbourne, BankSA, Citibank, HSBC, NAB, Qantas Money, St. George and Westpac.
1. American Express Platinum charge cards
Taking home the trophy this month, the American Express Platinum Business Card's huge offer of 120,000 bonus Qantas Points for new AMEX cardholders who apply by July 2 2018 and spend $5,000 or more on everyday business expenses using the card within the first three months, while paying a $1,500 annual fee.
Those points come as 120,000 Membership Rewards Ascent Premium points, which can be manually converted into Qantas Points at a 1:1 rate. However, even if you're not running your own business, you could instead take advantage of the AMEX's Platinum Charge Card's offer of 80,000 bonus Qantas Points, essentially being the personal version of the same card.
Like the business card, personal shoppers receive 80,000 Ascent Premium points after applying, paying a $1,200 annual fee and spending $1,500 on purchases within the first three months: also earning up to three Qantas Points per $1 spent via the Ascent Premium scheme, while business cardholders can earn up to two points per dollar spent.
2. AMEX Qantas Business Rewards, NAB Qantas Rewards Signature
With solid offers of 100,000 bonus Qantas points, the AMEX Qantas Business Rewards and NAB Qantas Rewards Visa Signature credit cards are also dressed to impress this month.
Business owners could aim for the AMEX Qantas Business Rewards card: applying by July 2 2018, spending at least $3,000 on purchases within two months of card approval and paying an annual fee of $450 to earn the same bonus, while also collecting up to 1.25 Qantas Points per dollar spent on everyday business buys.
Over at NAB, you'd need to apply by June 17 2018, pay a $395 annual fee and spend $4,000 on everyday purchases within 60 days of account opening. An identical offer is also available on the bank's Qantas Business Signature Card for business owners, except for the annual fee which is lower at $295 on the business card.
3. St. George Amplify Signature Visa credit card
St. George remains on the podium this month with a great offer of 90,000 bonus Qantas Points on the bank's Amplify Signature Visa credit card: yours when you apply by September 26 2018, spend $4,000 on purchases within 90 days of card approval and pay a $279 annual fee, while also earning up to 0.825 Qantas Points per $1 spent.
Just be sure to choose ‘Amplify Qantas’ as your loyalty option if Qantas Points are the goal, which promises 0.75 Qantas Points per $1 spent each month, plus a 10% ‘birthday bonus’ awarded in the month of your birthday on all the points you’ve earned on the card over the past year (except for the sign-up bonus), taking your total haul to 0.825 points per $1.
If you prefer to bank with the Bank of Melbourne or BankSA – which, like St. George, are both part of the Westpac Group – you can avail of the same offer through the Bank of Melbourne Amplify Signature Visa and the BankSA Amplify Signature Visa credit cards, which also have the same frequent flyer earning rates and fees.
4. Westpac Altitude Black World Mastercard credit card
Close behind St. George is Westpac, tempting travellers with 80,000 bonus Qantas Points on the bank's Altitude Black World Mastercard, for customers who apply by June 11 2018 and spend $5,000 on the card within 90 days of card approval.
You'll also pay a reduced annual fee of $250 in the first year, instead of $395. From April 4 2018, $250/year becomes the 'normal' annual fee too, although a separate annual charge of $50 will apply to those earning Qantas Points, taking the total ongoing cost to $300 per year – but which is still cheaper than the previous, all-inclusive price of $395.
Spending on the card under the 'Altitude Qantas' rewards option currently provides 0.625 Qantas Points per $1 spent, but from April 4, that's pleasingly increasing to 0.75 Qantas Points per $1 spent, with no points capping or tiering to get in your way.
5. ANZ Frequent Flyer Black Visa, Qantas Premier Platinum Mastercard
With ANZ, you'll pay no annual fee in the first year (a $425 saving) when you apply and spend $2,500 on eligible purchases within three months, on which you'll also get one Qantas Point per $1 spent up to $7,500 per month, and 0.5 Qantas Points per $1 spent thereafter.
Or, look to the Qantas Premier Platinum card for a reduced annual fee of $149 in the first year ($299 ongoing) for customers who apply by March 31 2018 and spend $3,000 within 90 days of card approval.
Citibank’s Citi Qantas Prestige Visa credit card has a close offer of 70,000 bonus Qantas Points for new customers, but with a high minimum income requirement of $150,000/year and a minimum credit limit of $30,000, it's not a card that's easy to qualify for.
Other reasonable deals on the table this month include an offer of 65,000 Qantas Points on the ANZ Frequent Flyer Platinum Visa with no annual fee in the first year (spend $2,500 within the first three months), and 60,000 Qantas Points on the HSBC Platinum Qantas Visa (spend $3,000 within three months) and Westpac Altitude Platinum (spend $3,000 within 90 days of card approval via ‘Altitude Qantas’).