Compare Qantas Credit Cards in New Zealand

We’ve compiled below a list of Qantas Credit Cards to help you find the Best Qantas Points Credit Card for you. In New Zealand some American Express Credit Cards and BNZ credit cards allow you to convert their membership rewards points into Qantas points as detailed below. Note: Qantas itself does not offer credit cards that allow you to directly earn Qantas points in NZ.

Amex: 2 Membership rewards points = 1 Qantas Point
BNZ: 4 BNZ rewards points = 1 Qantas Point

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

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Updated: 22 Nov, 2024

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Qantas Credit Cards

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
BNZ Advantage Visa Platinum Credit Card Gold Award	Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^.	18.95%	N/A	18.95%	$90.00	55 days More Info » Apply Now »
BNZ Advantage Classic Visa Credit Card Gold Award	Earn 1 BNZ Point for every $1 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.67 cash equivalent^.	20.95%	N/A	22.95%	$40.00	55 days More Info » Apply Now »
The American Express Gold Rewards Credit Card Platinum Award	Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$200.00	55 days More Info » Apply Now » No documents required to apply1

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

Overview of Qantas Credit Cards in New Zealand

American Express Options

In New Zealand, American Express offers two primary credit cards that earn Qantas Frequent Flyer points: the American Express Gold Rewards Card and the American Express Platinum Card. The Gold Rewards Card has an annual fee of $200, while the Platinum Card, known for its exclusivity, comes with a $1,250 annual fee. Both cards allow you to earn Membership Rewards Points, which can be converted to Qantas Frequent Flyer points at a rate of 2:1.

BNZ Options

BNZ also provides credit cards that earn Qantas points. With BNZ Rewards, you earn BNZ Points for every dollar spent on eligible purchases using your BNZ Advantage card. These points can be converted to Qantas Points, with 200 BNZ Points equating to 50 Qantas Points. Note that there is a minimum transfer requirement of 400 BNZ Points.

Key Benefits

• Earning Qantas Points: Both American Express and BNZ cards allow you to earn Qantas Frequent Flyer points on your everyday purchases.
• Travel Benefits: Enjoy free travel insurance and other travel-related benefits with both American Express and BNZ credit cards.
• Customer Dispute Terms: American Express offers favourable customer dispute terms, actively supporting you in cases of fraud or transaction disputes.

How to Earn Qantas Points with Credit Cards

Membership Rewards Points

Earning Qantas Points couldn’t be easier. By using your Qantas credit card for everyday purchases, you can accumulate points that can be converted into Qantas Frequent Flyer points. Whether you are booking your next holiday or flying for business or pleasure, you could be earning points on all sorts of things with our partners.

Conversion Rates

Understanding the conversion rates is important to maximising your Qantas Points. Typically, the points you earn on your credit card can be converted to Qantas Points at a specific rate. For example, 1 Membership Rewards point might convert to 0.5 Qantas Points. Always check the latest conversion rates with your card issuer to ensure you are getting the best value.

Eligible Purchases

To make the most out of your Qantas credit card, focus on eligible purchases that earn the most points. These often include:

• Flights booked with Qantas or partner airlines
• Hotel stays
• Car hire
• Dining and entertainment
• Everyday shopping

By strategically using your credit card for these purchases, you can quickly accumulate a significant number of Qantas Points.

Comparing American Express and BNZ Qantas Credit Cards

Annual Fees

When comparing the annual fees of American Express and BNZ Qantas credit cards, there are notable differences. American Express offers two primary cards for Qantas frequent flyers: the American Express Gold Rewards Card, which has an annual fee of $200, and the high-end American Express Platinum Card, which comes with a substantial annual fee of $1,250. On the other hand, BNZ credit cards generally have lower annual fees, making them a more cost-effective option for some users.

Points Conversion

The points conversion rates between American Express and BNZ credit cards also differ significantly. With American Express, you earn Membership Rewards Points, which can be transferred to Qantas Frequent Flyer points at a rate of 2:1. This means that for every 1 NZD spent, you earn 1 Qantas point. BNZ credit cards, however, offer a different conversion rate 4:1, with a minimum transfer requirement of 400 BNZ Points.

Travel Perks

Both American Express and BNZ Qantas credit cards offer a range of travel perks, but there are some differences worth noting. American Express cards are known for their extensive travel benefits, including free travel insurance and favourable customer dispute terms. For instance, if you experience fraud or wish to question a transaction, American Express will actively fight in your corner. BNZ credit cards also offer travel perks, such as free travel insurance, but they may not be as comprehensive as those provided by American Express.

In summary, while both American Express and BNZ offer credit cards that earn Qantas Frequent Flyer points, they cater to different needs and preferences. American Express cards are ideal for those who prioritise higher points conversion rates and extensive travel perks, despite the higher annual fees. BNZ cards, with their lower annual fees, may appeal to users looking for a more budget-friendly option.

Eligibility and Application Process

To apply for a Qantas credit card in New Zealand, you must first be a member of the Qantas Frequent Flyer program. Membership is essential as it allows you to earn and redeem Qantas Points. If you are not already a member, you can join the program online. Note that some credit card providers may offer complimentary Qantas Frequent Flyer membership as part of their card benefits.

When applying for a Qantas credit card, you must meet the following criteria:

1. Age: You must be over 18 years of age.
2. Residency: You must be a permanent resident or citizen of New Zealand.
3. Credit History: A good credit history is essential.
4. Income: You must meet the minimum income criteria for the specific card you are applying for.
5. Self-Employment: If you are self-employed, you need to have been trading for at least 18 months, or 12 months if you already hold an American Express-issued card.

Maximising Your Qantas Points

Spending Tips

To make the most of your Qantas Points, consider the following spending tips:

• Use your Qantas credit card for everyday purchases: From groceries to utility bills, using your card for regular expenses can help you accumulate points quickly.
• Pay your balance in full each month: Avoid interest charges by paying off your balance, ensuring that the points you earn are not offset by fees.
• Take advantage of bonus points offers: Keep an eye out for promotions that offer extra points for specific purchases or spending thresholds.

Bonus Points Opportunities

Maximise your points by leveraging bonus points opportunities:

1. Sign-up bonuses: Many Qantas credit cards offer substantial sign-up bonuses. Ensure you meet the minimum spend requirements to qualify.
2. Partner promotions: Earn additional points by shopping with Qantas partners, including airlines, hotels, and car hire services.
3. Seasonal offers: Look out for special promotions during holidays or sales events that provide bonus points.

Redeeming Points

Redeeming your Qantas Points effectively can provide significant value:

• Flights and upgrades: Use your points to book flights or upgrade your existing bookings for a more comfortable travel experience.
• Hotels and car hire: Points can also be redeemed for hotel stays and car rentals, adding flexibility to your travel plans.
• Shopping and gift cards: If travel is not on your agenda, consider using points for shopping vouchers or gift cards from various retailers.

Alternative Credit Card Options in New Zealand

Air New Zealand Airpoints Cards

Air New Zealand Airpoints cards are a popular alternative to Qantas credit cards. These cards allow you to earn Airpoints Dollars, which can be redeemed for flights, upgrades, and other travel-related expenses. Providers such as ANZ, Kiwibank, and American Express offer various Airpoints credit card options.

Frequently Asked Questions

What are the main Qantas credit card options available in New Zealand?

The primary Qantas credit card options available in New Zealand are American Express cards and BNZ cards. The most popular American Express cards among Qantas frequent flyers are the American Express Gold Rewards Card and the American Express Platinum Card.

How can I earn Qantas Points with a credit card in New Zealand?

You can earn Qantas Points by using certain American Express or BNZ credit cards for eligible purchases. For American Express, you earn Membership Rewards Points which can be transferred to Qantas Points at a rate of 2:1. For BNZ, you earn BNZ Points which can also be converted into Qantas Points at at rate of 4:1.

Do Qantas credit cards offer any travel perks?

Yes, both American Express and BNZ Qantas credit cards offer travel perks such as free travel insurance and bonuses for joining. American Express cards also have favourable customer dispute terms, especially in cases of fraud.

Are there any alternative credit card options in New Zealand that earn points?

Yes, besides Qantas credit cards, there are other options such as Airpoints Credit Cards, which earn Airpoints Dollars.