With the year slowly winding down, Christmas isn't too far away – but before the big day comes, you could decide to reward yourself with an early Christmas present of up to 120,000 bonus Qantas Points, just by applying for a new credit card and meeting its spending criteria.
This could also be a great way to be rewarded for your Christmas shopping and all your regular purchases, too, so without delay, here are the top personal credit card deals to know about from American Express, ANZ, Bank of Melbourne, BankSA, Bendigo Bank, Citibank, NAB, St. George and Westpac this month.
1. American Express Westpac Altitude Black Bundle, ANZ Frequent Flyer Black Visa
Still with the most generous credit card offer in Australia for Qantas Points, the American Express Westpac Altitude Black Bundle tempts new customers with up to 120,000 bonus Qantas Points across the Westpac Altitude Black Mastercard and the American Express Westpac Altitude Black Card.
Also tying for first place, the ANZ Frequent Flyer Black Visa with an offer of 120,000 bonus Qantas Points, $150 back to your card and 75 bonus Qantas Status Credits for eligible new customers.
With Westpac, the bonus points are split into two bounties, beginning with 80,000 bonus Qantas Points when you apply for the Black bundle by April 2 2019 and spend $3,000 on eligible purchases within 90 days of card approval using the Altitude Black Mastercard (issued and serviced by Westpac).
As a separate bonus, you can collect 40,000 bonus Qantas Points when spending $3,000 on eligible purchases within the same 90-day period using the American Express Westpac Altitude Black Card (issued and serviced by American Express), which also generates 1.25 Qantas Points per $1 spent on most everyday purchases in Australia, uncapped.
Combined, that's up to 120,000 bonus points on offer. The Altitude Black Mastercard carries a $250 annual fee; the AMEX, a $199 annual fee; and there's also a $50/year Qantas Rewards fee levied for earning Qantas Points.
Over at ANZ, the offer is straightforward: take home 120,000 bonus Qantas Points and $150 back on your new ANZ Frequent Flyer Black card when you apply by March 31 2019 spend $7,500 on eligible purchases in the first three months.
The card also delivers one Qantas Point per $1 spent on everyday purchases (up to and including $7,500 per month, halved thereafter), with a total annual fee of $425: although the true 'cost' of this is just $275 in the first year, when you factor in the $150 statement credit after spending $7,500 on eligible purchases in the first three months.
2. NAB Qantas Rewards Signature Card
Currently offering 90,000 bonus Qantas Points, the NAB Qantas Rewards Signature Card also comes with a reduced annual fee of $295 in the first year, reverting to $395 thereafter.
Eligible new customers could earn those bonus points by spending $4,000 on everyday purchases within 60 days of account opening. All the points earned on your card are directly credited to your Qantas Frequent Flyer account.
That includes the points earned on everyday purchases, on which you could get one Qantas Point per $1 spent up to $5,000 per month; then 0.5/$1 on spends of $5,001-$20,000, and no points thereafter until the next monthly statement period. Points aren't earned on ATO payments at any time.
3. St. George Amplify Signature, Westpac Altitude Black Mastercard, AMEX Platinum
With separate offers of 80,000 bonus Qantas Points this month, the St. George Amplify Signature Visa with Qantas Points, the standalone Westpac's Altitude Black Mastercard, and the AMEX Platinum Charge Card – here's what you need to know about each deal.
St. George: apply online for the Amplify Signature with Qantas Points card by January 23 2019 and spend $4,000 on purchases within 90 days of card approval, while also earning 0.75 Qantas Points per $1 spent on everyday purchases, plus a 10% 'birthday bonus' awarded in the month of your special day, taking that to 0.825 Qantas Points per $1 spent.
You'll also find this bonus offer on the near-identical Bank of Melbourne Amplify Signature Visa with Qantas Points and the BankSA Amplify Signature Visa with Qantas Points credit cards when applying online – which, like St. George, are backed by Westpac Group.
Westpac: Separate to the Black bundle offer above, Westpac's Altitude Black Mastercard is also available as a standalone product (without the AMEX), and right now, comes with up to 80,000 bonus Qantas Points for eligible new customers who apply by April 2 2019 and spend $3,000 on purchases within 90 days of card approval, while paying the card $250 annual fee plus the bank's $50/year Qantas Rewards fee to earn Qantas Points.
Eligible purchases provide 0.75 Qantas Points per $1 spent, excluding ATO payments.
American Express: Apply for the AMEX Platinum Charge Card, pay a $1,450 annual fee and spend $3,000 on purchases within the first three months to pocket 80,000 bonus Membership Rewards Ascent Premium points, and between 0.5 and 3 points per $1 spent on the card depending on each transaction, all of which can be converted into Qantas Points at a 1:1 rate.
4. ANZ Frequent Flyer Platinum Visa, American Express Westpac Altitude Platinum Bundle
Apply for ANZ's card and you could qualify for that offer – plus $75 back on your statement (reducing the sting of the $295 annual fee to $220 in the first year) – after spending $5,000 on eligible purchases in the first three months, along with an 'everyday' earn of 0.75 Qantas Points per $1 spent on eligible purchases, up to and including $3,000 per monthly statement period (0.5/$1 thereafter).
Over at Westpac, its Platinum-grade bundle deal mirrors the Altitude Black Bundle by splitting your bonus points into two distinct amounts: firstly, with 60,000 bonus Qantas Points for new customers who apply for the American Express Westpac Altitude Platinum Bundle by April 2 2019, and spend $3,000 on eligible purchases within 90 days of card approval using the Altitude Platinum Visa (issued and serviced by Westpac).
In addition, you could earn 15,000 bonus Qantas Points after spending $3,000 on eligible purchases within 90 days of card approval using the using the American Express Westpac Altitude Platinum Card (issued and serviced by American Express), for a grand total of up to 75,000 bonus Qantas Points, as one card application (lodged by April 2 2019) can cover both the American Express card and the Visa.
Also as with Westpac's Black-level cards, there's a $50/year Qantas Rewards fee to be paid when earning Qantas Points, although the usual $150 annual fee on the Altitude Platinum Visa is currently waived in the first year (a $49 annual fee applies on the American Express card from the first year).
5. Citi Prestige Qantas Credit Card
Finally this November, an offer of 70,000 bonus Qantas Points on the Citi Prestige Qantas credit card, for eligible new customers who apply and make a purchase on the card once within 90 days of approval.
On the pricier side, this card attracts a $700 annual fee – plus a $49/year charge to participate in the Citi Qantas Rewards Program – although allows you to earn 1.5 Qantas Points per $1 spent on all eligible international spend, and at major restaurants, hotel chains, airlines (flight only), travel agencies and travel aggregators in Australia.
You can also earn one Qantas Point per $1 spent at major petrol outlets, supermarkets and national retailers in Australia, and 0.5 Qantas Points per $1 spent on all other eligible purchases in Australia, with some exclusions like government and government-related transactions which award no points (such as payments to the ATO).