All credit cards
ANZANZ Frequent Flyer Black
NABNAB Qantas Rewards Signature
100,000 Qantas Frequent Flyer points60,000 Qantas Frequent Flyer pointsQantas Frequent FlyerQantas Frequent Flyer10.75
Credit cards · Side by side
ANZ Frequent Flyer Black vs NAB Qantas Rewards Signature
vs
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First-year value after costs, on an assumed $2,000 a month
$167
$192 rewards + $400 bonus, less costs
$223
$152 rewards + $520 bonus, less costs
NAB Qantas Rewards Signature's first-year value is $56 higher than ANZ Frequent Flyer Black's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
$167
$223
$56 more · Higher value after costs
Sign-up bonus
in dollars, points at what a point buys
$800
100,000 Qantas Frequent Flyer points$120 more · Larger sign-up bonus
$680
60,000 Qantas Frequent Flyer pointsWhat the bonus asks
spend on the card
$6,000 in 3 months
50,000 points in year one
$5,000 in 3 months
40,000 points in year one
Annual fee
ongoing, with any rewards program fee
$425
$24 less · Lower annual fee
$449
First-year fee
$425
the same as later years
$24 less · Lower first-year fee
$449
the same as later years
Rewards program
Qantas Frequent Flyer0.80¢ a point
Qantas Frequent Flyer0.80¢ a point
Earn rate
on everyday spend, at what a point buys
1Qantas Frequent Flyer points per $1 · about 0.80% back
0.20% more back · Higher earn rate
0.75Qantas Frequent Flyer points per $1 · about 0.60% back
Purchase rate
22.49%
a year
22.49%
a year
Interest-free days
on purchases, at most
44 days
44 days
Overseas transaction fee
3.50%
of each overseas purchase
3.50%
of each overseas purchase
Balance transfer rate
23.49%
0.00%
then 22.99%
23.49 lower · Lower balance transfer rate
Balance transfer period
No offer
12 months
Cash advance rate
23.49%
a year
22.99%
a year
0.50 lower · Lower cash advance rate
Additional cardholder fee
$65
a year for each extra card
None
a year for each extra card
$65 less · Lower additional cardholder fee
Minimum credit limit
$15,000
$15,000
Complimentary travel insurance
Included
Included
Airport lounge access
No
No
Network
Visa
Black
Visa
Platinum
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, ANZ Frequent Flyer Black charges $425 a year and its sign-up offer is 100,000 Qantas Frequent Flyer points; NAB Qantas Rewards Signature charges $449 a year and its sign-up offer is 60,000 Qantas Frequent Flyer points. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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