Credit Card for Qantas Points and Ongoing Use

dmb0312 on 02/04/2025 - 23:15

Which credit card offer looks like it might offer the best value.

Ideally just want to capitalise on bonus bonus/introductory Qantas points as we're booking a holiday soon so could hit the minimum spend pretty comofrtably and would benefit from the insurance provided.

St George - Amplify Qantas Signature
Annual Fee - $150 first year then $295
Bonus Points
Up to 120,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k on eligible purchases† within 120 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.
Points/$ - 0.75
Extra - 2 lounge passes

NAB - Qantas Rewards Signature Card
Annual Fee - $100 off fee for members so down to $320
Bonus Points
100,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.
Points/$ - 1 up to $5000 spend then drops
Extras - Travel insurance

Commbank Ultimate Awards credit card
Monthly fee - No fee if you spend 4k/month
Bonus Points 70k
points/$ - 1.2
Extras - Insurance & 2 lounge passes

open to any other suggestions

Has anyone had luck calling a bank and trying to get the annual fee waived or reduced further?

Thanks!

Financial Credit Card

Comments

  • jv on 02/04/2025 - 23:37
    -3

    Which credit card offer looks like it might offer the best value.

    I like my free Amex and free CBA Mastercard. Both have good rewards programs.

  • candobetter on 02/04/2025 - 23:45
    +6

    Good list! They all have pros and cons depending on your situation.
    - NAB is best overall - good bonus; good earning rate; great insurance for both overseas and domestic car rentals, up to 10k excess covered.
    - Commbank is good for overseas spend, no overseas transaction fees; free if you spend above 4k monthly, which may not be that simple over the entire year - be ready to pay the monthly fee; however poor rental car insurance - only domestic covered and only small excess included (2.5k from memory).
    - St George no idea.

    If you can comfortably meet the minimum spending requirements on two cards, consider applying for two cards simultaneously. Since credit histories are updated infrequently, you have a good chance of getting approved for both before your credit report reflects the new accounts.

    • jv on 03/04/2025 - 00:30

      only domestic covered

      rubbish, it's all travel.

      • happydude on 03/04/2025 - 13:52
        +1

        This is correct.

      • candobetter on 03/04/2025 - 21:51

        I could be wrong, no doubts. The PDS has a table for Overseas Travel Policy Benefits, which clearly states Rental Vehicle Insurance excess coverage (up to $2,250 BTW) but there is no word about domestic cover. How do you know if domestic is covered?

        • candobetter on 03/04/2025 - 22:00

          Just noticed I typed originally "only domestic" covered while it's the other way around "only overseas covered, not domestic". My bad.

  • randomusername2017 on 03/04/2025 - 00:32
    +1

    Think there's also a $75 annual fee on St George cards for enrolment in QFfF.

  • HappyPants on 03/04/2025 - 11:52

    We have the ANZ QFF Black card…annual fee is $370 + $55 rewards fee, so $425. Have made a couple of travel insurance claims in the last couple of years, just due to delayed luggage and they have paid out no problem. Also was charged the annual fee a couple of weeks ago and I called them up and they reversed the $370 part of the fee for me. We have had the card for maybe 10 years or more though. Sometimes they reverse the fee, sometimes they don't. I would say 1 in 3 years they reverse it. Also give 2 Qantas lounge passes each year.

    • radissimo on 03/04/2025 - 16:05

      ANZ CC application process is a nightmare though (own experience, few times)

      • VQLD on 28/04/2025 - 14:51

        yep. but last time I was probably lucky and got it in a couple of days instead of the previous cards taking 2-3 weeks every time..

  • Kramo on 03/04/2025 - 13:32

    The CommBank is more realistically 0.8 points/$ on most things (groceries, petrol, dining) and 0.4 on other 'eligible' things.

  • dmb0312 on 03/04/2025 - 21:30

    Thinking St George may be the best best to just hit the minimum spend, get the points and use it for the insurance then cancel it after the trip. NAB wouldnt move on the annual fee when i called them

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