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Qantas Points

Turn your everyday banking into a rewarding experience with Qudos Bank

Banking that's more rewarding

With our Qantas Points banking range you are rewarded for what you’re already doing. By simply switching your home loan, savings account, credit card or car loan to a Qantas Points earning product you’ll be rewarded with Qantas Points1 each month.

Bank more, travel more - it doesn't get any better than that.

Start earning Qantas Points today

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Qantas Points Home Loan

Make your home loan work for you by earning Qantas Points.1

> $0 ongoing bank fees

> Free multiple offset accounts

> Earn 150 Qantas Points1 per annum for each $1,000 of the average balance of your home loan, credited monthly

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Qantas Points Saver

Not only will you receive a competitive interest rate on your savings, but you'll also earn Qantas Points on the Average Balance of your account.1

> $0 account keeping fees & no penalties for withdrawals

> Earn 400 Qantas Points1 per annum for every $1,000 of your average balance, credited monthly

> Qantas Points can be earned on balances up to $1,000,0001

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Qantas Points Car Loan

Start earning Qantas Points1, making your next trip a reality sooner than you think.

> Earn 1,000 Qantas Points1 per annum for each $1,000 of the average balance of your car loan, credited monthly

> Available for cars, caravans, boats, and motorcycles up to 5 years old3

> Borrow up to $150,0003

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Visa Platinum Credit Card

Turn your transactions into travel. Enjoy a great range of platinum features and earn Qantas Points1 on your everyday purchases.

> Earn 1 Qantas Point for every $1 spent on eligible purchases2 ($1 -$2,500) per calendar month

> Complimentary international travel insurance4

> 24/7 worldwide Visa Premium Concierge Service5

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How it works

1. Join

Qudos Bank members enjoy complimentary Qantas Frequent Flyer membership2 when applying for the first time at qantas.com/joinffqudos.

2. Use

Bank like normal! Whether you’re spending, saving or repaying - you can earn Qantas Points just by banking like you do everyday.

3. Earn

With an eligible account, you’ll be earning Qantas Points in no time. Collect them each month for a rewarding banking experience.

4. Rewards

Redeem your Qantas Points for flights, hotels and more! At Qudos Bank, being rewarded for your loyalty comes standard.

Banking that takes you places

Holding a Qantas Points earning product means more travel and more rewards. Find out where banking with us could take you.

Los Angeles

economy return flight from Sydney for two people

167,600 Qantas Points

plus $750 in taxes, fees and carrier charges*

Honolulu

economy return flight from Sydney for one person

63,000 Qantas Points

plus $375 in taxes, fees and carrier charges*

Singapore

economy return flight from Melbourne for one person

50,400 Qantas Points

plus $295 in taxes, fees and carrier charges*

*Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are accurate as at 11 October 2024 and are subject to change. Classic Flight Rewards are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) in addition to the points required. For more information, visit qantas.com/classicflightrewards.

Frequently asked questions

Got questions? We've got answers.

Can I use my Qantas Points on rewards other than travel?

Absolutely, Qantas Points can be redeemed on a huge range of items. Redeem your Qantas Points on flights and hotels to enjoy a well deserved break, treat yourself to a little something special from Qantas Marketplace or even indulge in gourmet food and wine. Find out all the ways you can use your Qantas Points here.

How long until I get my Qantas Points?

Your Qantas Points are calculated at the end of each month and are generally credited to your Qantas Frequent Flyer account within four weeks. Once you have provided us with your Qantas Frequent Flyer Membership number, you don’t have to do anything - just sit back and watch the points come in.

Do I need a Qantas Frequent Flyer Membership in order to earn Qantas Points?

Yes, you must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. The joining fee is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos.

How do I maximise my Qantas Points earnings?

Whether you’re saving, spending or paying off a home or car - there’s a Qudos Bank product that will help give you the chance to earn Qantas Points.

You can earn Qantas Points when purchasing your groceries, planning a day out, shopping online, booking a stay for your next vacation or even reviewing your household providers! The best way to make sure you’re getting the most out of your Qantas Points is by checking out the Earn Qantas Points website regularly.

Latest blogs

How to maximise your Qantas Points earn potential

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Helpful tips to boost your Qantas Points balance

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Where would you go with 200,000 Qantas Points?

Learn more

How can we help?

Standard variable interest rate which your account will revert to after the introductory offer.

Intro variable rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable interest rate.

Annual fee charged upon account opening and annually thereafter.

Interest free days on purchases only apply if your account is paid in full by the due date each month. Excludes cash advances and BPAY transactions. Payment must be received by Qudos Bank by close of business.

Intro rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable interest rate.

Current standard variable interest rate is 12.84% p.a. for Visa Lifestyle, 16.35% p.a. for Visa Lifestyle Plus and 19.49% p.a. for Visa Platinum Credit Cards.

Intro rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable interest rate.

Current standard variable interest rate is 12.84% p.a.

Construction period is up to the date the final progress payment is made or 12 months from the date we first advance money to you, whichever is earliest.

Product deposit requirements vary, split options must meet the highest minimum deposit amount.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee  is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Access the 24/7 Visa Premium Concierge service in Australia on 1800 639 607. For country contact numbers, terms and conditions and more information, click here.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305, (Qudos Bank), which allows eligible Qudos Bank account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Travel Insurance Policy Information Booklet: Effective 22 May 2024 which may be amended from time to time. An excess may be deducted from any benefit paid. Qudos Bank does not guarantee this insurance.

A maximum amount of $150,000 applies for vehicles up to 3 years old and $75,000 for vehicles between 3 and 5 years old.

Eligible purchases do not include cash advances, ATO payments, Bpay, interest, balance transfers, fees and charges or traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Credit Card Terms and Conditions. Qantas Points can be earned on a maximum of $200,000 of eligible purchases per customer for each 12 month period, commencing from the date your account is opened and each account anniversary thereafter (Eligible Transaction Cap), regardless of the number of Qudos Bank Platinum Credit Cards held by you.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee  is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas, purchases from Qantas Freight, Qantas Holidays, Qantas Business Travel, Jetset Travel world channels, Qantas Staff Travel, the Jetstar Group of companies or goods or services supplied by QFF Program partners.

Eligible purchases do not include cash advances, ATO payments, Bpay, interest, balance transfers, fees and charges or traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Credit Card Terms and Conditions. Qantas Points can be earned on a maximum of $200,000 of eligible purchases per customer for each 12 month period, commencing from the date your account is opened and each account anniversary thereafter (Eligible Transaction Cap), regardless of the number of Qudos Bank Platinum Credit Cards held by you.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee  is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305, (Qudos Bank), which allows eligible Qudos Bank account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Travel Insurance Policy Information Booklet: Effective 22 May 2024 which may be amended from time to time. An excess may be deducted from any benefit paid. Qudos Bank does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Access the 24/7 Visa Premium Concierge service in Australia on 1800 639 607. For country contact numbers and more information, click here.

Intro rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable rate

Current standard variable interest rate is 19.49% p.a.

Annual fee charged upon account opening and annually thereafter.

Up to 55 days interest free on purchases only applies if your account is paid in full by the due date each month. Excludes cash advances and BPAY transactions. Payment must be received by Qudos Bank by close of business.

Intro rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable interest rate.

Current standard variable interest rate is 16.35% p.a.


If you would like to request a larger amount, please call us on 1300 747 747.

A maximum amount of $150,000 applies for vehicles up to 3 years old and $75,000 for vehicles between 3 and 5 years old.

Rate applies to term deposits account opened during the term of your Qantas Points Home Loan. Special terms of 3, 6, 9 and 12 months are available and are upon request.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Mortgage insurance is required for home loans over 80% and is subject to approval.

An establishment fee of $600 applies to this loan.

Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.

Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. An unsecured loan of $10,000 with a term of 3 years, or a secured loan of $30,000 with a term of 5 years (as applicable) and a monthly repayment frequency have been used to calculate the comparison rate for all personal loans.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee  is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Home Loan, Qantas Points Saver and Qantas Points Car Loan, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Bonus Rate applied if no withdrawals are made during the month.

WARNING: The comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rates assume a loan of $150,000 for 25 years. For fixed rate loans, the comparison rate is based on the initial fixed rate period, reverting to the current interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, for the relevant purpose (ie. owner-occupied or investment). For fixed interest only loans, the interest only period is equal to the fixed period.

Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit or equity of 10% is required. Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate will revert to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% of more, for the relevant purpose (ie. owner-occupied or investment).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000 for 25 years. The comparison rate is based on a 12 months interest only period, reverting to the interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more for the relevant purpose (ie. owner-occupied or investment).

Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit or equity of 10% is required. After completion of construction, your interest rate will revert to the current interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, for the relevant purpose (ie. owner-occupied or investment).

Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit or equity of 5% is required. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the interest rate will revert to the variable interest rate applicable to a new principal and interest Standard Variable Home Loan with a deposit or equity of 20% or more, for the relevant purpose (ie. owner-occupied or investment). Interest only available for 1 to 5 years and are subject to approval.

Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit or equity of 10% is required. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the interest rate will revert to the variable interest rate applicable to a new principal and interest home loan for the relevant variable home loan product, and for the relevant purpose (ie. owner-occupied or investment) with a deposit or equity of 20% or more. Interest only available for 1 to 5 years and are subject to approval.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit or equity of 20% or more for the relevant purpose (ie. owner-occupied or investment).

Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit or equity of 20% is required. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the interest rate will revert to the variable interest rate applicable to a new principal and interest No Frills Home Loan for the relevant purpose (ie. owner-occupied or investment) with a deposit or equity of 20% or more. Interest only terms available for 1 to 5 years and are subject to approval.