The Ultimate Australian Credit Card Points Transfer Matrix

Credit cards are one of the easiest ways to earn frequent flyer points in Australia. While there are credit cards that earn Qantas points or Velocity points directly, other cards allow you to earn points with the bank’s own credit card rewards program. You can then transfer these points onwards to an airline frequent flyer program as required.

There are many advantages to earning flexible credit card rewards points. For example, you’re not locked to using one specific frequent flyer program that may or may not be the best option for a given reward flight redemption. There is also less risk of your points expiring unused – just make sure you don’t let your credit card points expire.

Each Australian credit card rewards program has its own mix of airline transfer partners. The rate at which you can convert your points also varies.

For easy comparisons, we created a matrix below. You can view exactly which airlines partner with each Australian credit card provider and the rate at which you can transfer points!

Keep in mind that the below chart only shows you the conversion ratio from the bank’s own loyalty program to the target frequent flyer program. It doesn’t take into account the number of points you’ll earn per dollar spent with any particular credit card.

Note that many banks offer the option to either opt-in to earn Qantas Frequent Flyer points or points with the bank’s own rewards program – but not both. In general, you cannot transfer points from a credit card loyalty program to Qantas Frequent Flyer. The only exception in Australia is if you have an American Express Platinum or Centurion charge card that earns Amex Membership Rewards Ascent Premium points.

Australian credit card points transfer matrix

Without any further ado, here’s our Australian credit card points transfer matrix. The most recent update was in November 2024. In this update, we’ve removed Diners Club Rewards (which is no longer offered in Australia), added Virgin Money Rewards, and added Everyday Rewards as a program you can transfer points into from Westpac and St.George.

You can click on the image below to view a larger version:

Credit card matrix footnotes

• *You can only transfer Amex Membership Rewards points earned with the Amex Platinum & Amex Centurion cards to Qantas Frequent Flyer.

• **Points earned with a CommBank Awards credit card (the lowest level of CommBank Awards card) can be transferred to Velocity Frequent Flyer at a 2.5:1 rate. Please also note that CommBank Awards may change its other points transfer partners and/or conversion rates at any time.

• Citi Rewards points earned with a Citi Rewards, Citi Classic or Citi Gold card transfer to Virgin Australia Velocity at a 2.5:1 rate.

• HSBC Rewards Plus points can only be transferred to KrisFlyer or Cathay if earned on a Premier card.

For more information about transferring Australian credit card reward points, check out the AFF Credit Card Points Transfer Assistant.

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Matt Graham

The editor of Australian Frequent Flyer, Matt's passion for travel has taken him to over 90 countries… with the help of frequent flyer points, of course!
Matt's favourite destinations (so far) are Germany, Brazil & Kazakhstan. His interests include aviation, economics & foreign languages, and he has a soft spot for good food and red wine.

You can connect with Matt by posting on the Australian Frequent Flyer community forum and tagging @AFF Editor.