The Best Credit Cards for Earning Avios in Australia

Earn Qatar Airways Avios with Australian credit cards
You can earn Avios, the currency of the Qatar Airways and British Airways loyalty programs, with several Australian credit cards. Image: Qatar Airways.

Avios are a very useful currency to have, for multiple reasons. It isn’t quite as easy to earn Avios in Australia than it is to earn, say, Qantas or Velocity points. But there are ways to do this, including with several Australian credit cards.

Avios is the common points currency of six frequent flyer programs, including four Oneworld alliance members:

  • Qatar Airways Privilege Club
  • British Airways Executive Club
  • Iberia Plus
  • Finnair Plus
  • Aer Lingus AerClub
  • Vueling Club

Finnair Plus started using Avios most recently in May 2024.

Once you have Avios with one of the above airline programs, you can then transfer them to your own account with another program that uses Avios. For example, you can instantly transfer Avios from Qatar Airways Privilege Club to British Airways Executive Club at a 1:1 conversion rate. This makes them very flexible, opening up more ways for you to use your Avios.

Why Avios?

Most of the airlines that use Avios are in the Oneworld alliance. You can already access reward seats on Oneworld airlines using Qantas Frequent Flyer points… so why would you want to collect Avios?

Well, there are multiple good reasons to earn Avios, even if you live in Australia…

Cheaper redemptions

Many Oneworld airline redemptions cost fewer Avios compared to Qantas points. For example, you’d pay 6,000 Avios in Economy or 12,500 Avios in Business to fly Qantas from Sydney to Hobart. By comparison, Qantas Frequent Flyer charges 12,000 points in Economy or 27,600 points for Business on the same route.

Or, when redeeming Qatar Airways Avios to fly Virgin Australia from Perth to Melbourne in Business Class, you’d pay 22,000 Avios. Velocity Frequent Flyer charges 35,500 points for the same flight.

Virgin Australia PER-MEL award flight on the Qatar Airways website
Virgin Australia award flights are bookable on the Qatar Airways website.

However, one downside when using Avios is that most redemptions are priced as point-to-point flights. So, if you have a connecting itinerary with multiple flights, you’ll be charged the sum of the Avios required for every individual sector.

Access to more reward seats on British Airways and Qatar Airways

On every flight, British Airways reserves a certain number of reward seats in Economy, Premium Economy and Business Class for its own Executive Club members. This means, with Avios, you’ll have access to more inventory on British Airways flights than you would using, say, Qantas points.

British Airways Club Suite business class
The last four Business Class reward seats on every British Airways flight are reserved for Executive Club members. Photo: British Airways.

With Avios, you’ll also be able to book Qatar Airways Business and First Class reward seats up to 355 days in advance. This means you get first dibs, before Velocity members and well before Qantas Frequent Flyer members get access. (Qantas frequent flyers have to wait until three days before departure – by which time, most seats are already long gone.)

You can also use Qatar Avios to access Flexi awards on Qatar Airways flights, which have more availability than regular award seats.

Plus, when using Avios to fly Qatar Airways from (for example) Melbourne to London, you’d pay just 90,000 Avios. That’s instead of 139,000 Velocity points or 159,000 Qantas points. The carrier charges are also a bit lower when using Avios.

Qatar Airways website showing award availability from MEL to LHR
You can get the best availability and pricing on Qatar Airways Business Class reward flights when using Avios. Screenshot from the Qatar Airways website.

Access reward seats on more non-Oneworld airlines

Since you can transfer Avios between your accounts with Qatar Airways, British Airways and Iberia, you can also access reward seats on all of these airlines’ partners. In addition to Oneworld airlines, British Airways Avios can be used to fly on Aer Lingus, and you can use Iberia Plus Avios on Avianca.

Qatar Airways also has a unique list of non-Oneworld partner airlines, including:

  • JetBlue
  • Virgin Australia
  • Bangkok Airways
  • RwandAir
  • Oman Air (soon to join Oneworld)
  • LATAM Airlines
  • Middle East Airlines (MEA)
You can earn Avios with Australian credit cards, then redeem them to fly JetBlue
You can redeem Qatar Avios to fly on US-based JetBlue. Photo: JetBlue.

Upgrade on Qatar & British Airways flights

Oneworld has been hinting for years that alliance-wide upgrades are coming soon, but as yet this hasn’t happened. So, there’s currently no way to redeem Qantas points to upgrade on Qatar Airways or British Airways. But if you have Avios, you can redeem those towards an upgrade on either airline.

Qatar Airways A380 First Class
Qatar Airways A380 First Class. Photo: Qatar Airways.

Earning Avios in Australia

There are a few ways to earn Avios in Australia. An obvious method is to credit flights on Qantas or Oneworld airlines to a frequent flyer program that uses Avios. But this isn’t the only way.

If you have PayRewards points, you can transfer these to Qatar Airways Privilege Club. You can also transfer points to an airline program that uses Avios from many hotel loyalty programs, including Marriott Bonvoy.

Another possibility is to simply buy Avios. The best value way to buy Avios is with a subscription from British Airways Executive Club.

You can also earn Avios with several Australian credit cards. If you spend a lot on your credit cards (or are able to take advantage of some good sign-up bonuses), you could earn a lot of Avios this way for a relatively low marginal cost!

How to earn Avios with Australian credit cards

Qatar Airways Privilege Club is the only frequent flyer program using Avios that also partners directly with Australian banks.

You can transfer points from the following Australian credit card reward programs into Qatar Privilege Club:

Credit Card Rewards ProgramConversion rate
Amex Membership Rewards2:1
CommBank Awards3.5:1 (subject to change)
Citi Rewards (Prestige card only)3:1

Of course, once the Avios hit your Privilege Club account, you could choose to transfer them into your British Airways account.

The best Australian credit cards for earning Avios in 2024

So, which are the best Avios-earning personal credit cards in Australia? We’ve put together a list of the top ones…

Note: If you’re viewing this article on a smartphone, the table below may look better if you rotate your device horizontally.

CardLoyalty ProgramFeeAvios earned per $1More information
Amex Platinum card (personal) artAmex PlatinumAmex Membership Rewards (Premium Ascent)$1,450/year1.125Read the guide button
Amex Explorer credit cardAmex ExplorerAmex Membership Rewards (Gateway)$395/year1Read the guide button
American Express Essential Rewards CardAmex Essential RewardsAmex Membership Rewards (Gateway)$9/month0.5Read the guide button
Amex Platinum Edge cardAmex Platinum EdgeAmex Membership Rewards$195/year0.5Read the guide button
Citi Prestige cardCiti PrestigeCiti Rewards$700/year0.33
CommBank Ultimate Awards credit cardCommBank Ultimate AwardsCommBank Awards$35/month0.29 (up to $10,000/month)

The CommBank Smart Awards and CommBank Awards cards also earn the equivalent of 0.29 Avios per $1 spent on everyday purchases. But this is only on the first $5,000 or $2,000 spent each month, respectively.

From time to time, you can even get bonus Avios when transferring points from a credit card program. For example, during May 2024, Citi Prestige cardholders could get 30% bonus Avios on transfers.

Many cards also have bonus point categories

Many of the Avios credit cards listed above also offer bonus points when you spend in certain categories. These include:

Earn bonus points that you can convert to Avios with these offers…

American Express Explorer Credit Card
Earn
2

American Express Membership Rewards points on everyday purchases

Signup Bonus

50,000 bonus Membership Rewards Points

Annual Fee
$395 p.a.
Go to offer
American Express Platinum Card
Earn
2.25

American Express Membership Rewards points on everyday purchases

Signup Bonus

150,000 bonus Membership Rewards points

Apply by 28th Jan 2025

Annual Fee
$1,450 p.a.
Go to offer
American Express Essential Rewards Credit Card
Earn
1

American Express Membership Rewards points on everyday purchases

Signup Bonus

60,000 Membership Rewards Bonus Points

Apply by 03rd Dec 2024

Annual Fee
$9 per month
Go to offer
American Express® Platinum Business Card
Earn
2.25

American Express Membership Rewards points on everyday purchases

Signup Bonus

250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year*

Apply by 25th Mar 2025

Annual Fee
$875 in the first year (normally $1,750 p.a)*
Go to offer
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.
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Community Comments

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Finnair is also now in the mix and I understand they also hold some seats for their own programme

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Got a survey from QR the other week asking about interest in an Avios Subscription service (BA style) so hoping that is in the works.

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