March's best Qantas Frequent Flyer credit card sign-up deals

March's best Qantas Frequent Flyer credit card sign-up deals

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

Both ANZ and Qantas Money have similar offers on the table this month, teasing 75,000 bonus Qantas Points with a new ANZ Frequent Flyer Black Visa or 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’).

Chris Chamberlin
Chris Chamberlin is a senior journalist with Australian Business Traveller and lives by the motto that a journey of a thousand miles begins with a single step, a great latte, a theatre ticket and a glass of wine!
 

17 comments

  • obanpointer

    obanpointer

    12 Mar, 2018 06:38 pm

    Hi chris What would be the best Amex option with uncapped points? I am about to loose my Westpac option in april and spend 600 000 to 700 000 a year on the card. I have found amex themselves very unhelpful with their credit card options offering me a 10k credit limit!! with an increase of 20% if I ask really nicely. I have an amexto send a few points to velocity but my status is with QFF

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  • Chris Chamberlin

    ChrisCh

    13 Mar, 2018 05:24 pm

    Hi obanpointer, as a media outlet, we can't provide readers with personal financial advice: we can simply publish factual stories based on general product information, as we've done here.
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  • Shark bait

    Shark bait

    15 Mar, 2018 11:31 am

    All the AMEX options above have ‘negatives’:
    AMEX Platinum charge card: only 1 QFF point per dollar.
    AMEX Qantas Business charge card: 1.25 QFF point per dollar but dynamic spend limit ‘Dynamic limit that changes with your payments with spend potential of up to 125K in the first year, 187K thereafter‘. These limits might affect you because of your yearly spend.
    QANTAS AMEX Ultimate credit card: best 1.5 QFF points per dollar BUT crap credit card limits, and inability to preload card (like you could with bank issued credit cards) due to AMEX not being a financial bank and them claiming it’s a potential laundering of cash to do so.
    The wild card will be the Westpac AMEX issued card. Details are still sketchy.
    My opinion obanpointer.... you have too much money and you need to spend more on me! At least buy me more coffee (I already have a headache writing this).
    Good luck with your choice!!
    No member give thanks

  • Brian Tonkin

    tonky

    22 Mar, 2018 06:26 pm

    The Qantas Ultimate AMEX card seems to be much ado about completely NOTHING. Firstly I wasted over an hour trying to sign up several times only to find the final "Submit" button wouldn't work. So I called Amex and got transferred with the message that the overseas call cost was at my expense. The girl at the Amex Help (??) desk was useless too. "Just try again Sir" (and waste another hour?). Now I read in this blog that only ATO tax return income is valid. Well I am a self funded superannuation pensioner and don't have to submit tax returns anymore. So a pension of over $150,000 per annum is totally ignored in the eyes of Amex. Another blogger here says that the maximum card limit is about $10,000 and that you can't overcome that by piddling limit by putting your card well into a credit balance in advance of spend !! I give up... why is Amex wasting their advertising money trying to sign up high card spenders. The Qantas Ultimate card seems useless for such card users. I hope someone can convince me otherwise.
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  • Shark bait

    Shark bait

    23 Mar, 2018 03:26 pm

    Hey tonky. I do agree with you.

    AMEX’s suite of products is so mismatched. There’s just not one excellent product.

    I do have the QANTAS Ultimate Amex credit card. I’m self employed, and when I applied online (it might have changed) it asked for all my details including income BUT I wasn’t required to substantiate it with any documentation. I did find it weird at the time and it was approved within 4 hours. 30k limit. I also found it odd that for someone above who only got offered a 10k limit but obviously earns way more than me. I choose this card because of the QFF 1.5 points per dollar earn (best for QFF at this stage). I use an ANZ QFF black for any non-Amex spends.

    The QANTAS Ultimate Amex credit card isn’t ideal but if used well, great points per dollar earn and the travel credit wipes the annual fee.

    I would persist with application if suits your needs and you’re after QFF points. If obanpointer used a card with only 1 point per dollar (eg Amex Platinum Charge card), he/she will be losing up to 350k points per year compared to the Ultimate card.
    No member give thanks

  • Brian Tonkin

    tonky

    23 Mar, 2018 05:03 pm

    Well Sharkbait, ultimately I did have another go at lodging a Qantas Ultimate application and this time the website worked ok. It appears that their probably automated systems didn't reject me out of hand even though I had little earned income and only a large superannuation pension. I know this because they obviously submitted my details to a credit checking bureau who then notified me as the law requires. Still Amex doesn't know the extent of my pension because their application only asks whether I am retired, how long and what's the balance of my super account. Some 24 hours have since elapsed and I've not been rejected yet. Another application oversight is they ask the income of the Companion card applicant but don't ask details of the Companions superannuation balance. Surely if income matters in her case then her super balance is equally relevant as in my own case. Well, I'll wait and see.
    Member who gave thanks

    Shark bait

  • Shark bait

    Shark bait

    26 Mar, 2018 11:06 am

    The same happened to me with my application as well tonky. Credit check, details of companion income... watch out though, with Amex your credit score will drop significantly (150 with mine). I’m assuming Amex is deemed high risk credit due to it essentially being an overseas based company.
    No member give thanks

  • Brian Tonkin

    tonky

    26 Mar, 2018 12:27 pm

    Thanks Shark Bait but where can I check my Credit Score.? It hasn't been an issue for me in the past and hopefully won't be in the future. Nevertheless, I'd still like to keep an eye on the matter.
    No member give thanks

  • Brian Tonkin

    tonky

    26 Mar, 2018 12:21 pm

    Well, following my previous criticism, I have to now be fair and reveal that I was contacted this morning by a very nice and very professional Amex lady who clarified various aspects of my application and then approved me for $15,000 on the spot, far less than I wanted. However the same lady advised that after 90 days of Amex use I can apply for a higher limit and provided I've been a reliable card user a higher limit should not be a problem.
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  • 346

    346

    16 Mar, 2018 09:23 am

    AMEX explorer is a good option.
    No member give thanks

  • Shark bait

    Shark bait

    16 Mar, 2018 10:22 am

    Amex Explorer won’t suit obanpointer. He’s after QFF points. Plus it’s still essentially an AMEX credit card and they are only offering him a 10k limit. I little low for his current yearly spend.
    No member give thanks

  • rockangel007

    rockangel007

    14 Mar, 2018 04:04 pm

    I have found that the main problem with bank issued cards (not the AMEX issued cards - I have a couple of those) is the restrictive and inflexible income proof requirements for a personal card. They will only accept payslips (useless for self employed) or ATO notices of assessment but as anyone knows, most people who actually earn a much higher income than normal do not have that income declared to the ATO in their personal tax return, they use legal means of distributing that income tax effectively. Yes we are with one private bank that bypasses that but when you are looking at "churning" cards between banks to get the sign up bonuses that isn't much help either. Maybe I should just stop being greedy with my points? or can someone point me in the direction of a bank that will take accountants declarations and the like rather than just ATO assessments or payslips.
    No member give thanks

  • 346

    346

    16 Mar, 2018 09:31 am

    So you want to be able to show a trust tax return, to which you are a beneficiary for proof of individual income, regardless of whether you received a distribution or not?
    I can definitely see why the bank wouldn't accept that tbh
    No member give thanks

  • jimkg

    jimkg

    28 Mar, 2018 06:25 am

    Assuming you have a discretionary trust with corporate trustee, just say you are full time employee and create your own pay slips. Then if you want to be extra cautious you can transfer ‘your pay’ according to pay slip into a bank account in your name to agree to pay slip. I’ve never worried about last part though and never had an issue.
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  • 346

    346

    28 Mar, 2018 03:31 pm

    But then he would have to declare the income in his personal tax return, which by the sounds he does not want to do.
    No member give thanks

  • Stanley Raj

    rsjones

    28 Mar, 2018 12:34 pm

    I want to know if we can change from Amex Qantas Ultimate to Amex explorer card wher i have more options in rewards program.
    No member give thanks

  • Chris Chamberlin

    ChrisCh

    28 Mar, 2018 12:41 pm

    Questions concerning your existing account would need to be directed to American Express.
    No member give thanks

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25 Sep, 2018 04:03 pm

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