Frequent Flyer Credit Cards Credit Cards

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Frequent Flyer Credit Cards

When it comes to finding the right credit card Australians need for their day to day affairs, one of the more interesting is the frequent flyer credit cards. Just like many other types of credit cards, what makes this unique is the type of rewards program that it offers.

Around the world, millions of people use the frequent flyers rewards that these credit cards offer in lieu of other recompense. However, whether this makes frequent flyer credit cards Australians will use will depend on their particular needs.

What are Frequent Flyer Credit Cards?

This is a credit card that uses frequent flyer miles as a reward for making purchases. The more times a person uses the credit card for buying items, the more miles that are added on to their airline flights so that they can save money on purchasing tickets.

The frequent flyer program has been around for decades and was originally used to reward business travelers who often flew one or more times each week. Instead of actually flying, a person can use the rewards on each credit card purchase to add up the miles.  In this manner, a person might be able to fly for less money or even fly for free to certain destinations.

Advantages and Disadvantages of Frequent Flyer Credit Cards

When it comes to getting frequent flyer miles for your credit card rewards, the advantages will center on the value you place on this particular type of reward. Most people will need a good to excellent credit rating in order to qualify for this type of card.

For those who fly with the airlines quite a bit, then you probably will find plenty of advantages when using this particular card. In addition, for those who enjoy flying someplace once a year for their big vacation having this type of reward can save you a significant amount of money. Obviously, if you have no interest in racking up frequent flyer miles, then you certainly have no need for this type of card.

Another disadvantage is that in order to actually get the miles most companies require that you pay off your balance in full at the end of every month. While this is good advice for most Australian credit card holders, it may not be very convenient and missing a month or two might cost you considerably when it comes to the rewards.

Also, the interest rates tend to be higher on this type of credit card meaning that you will have to balance use the card versus saving up the extra money by using a lower interest card and applying that toward your next vacation.

Overall, choosing this type of card will depend largely on just how much you fly, your credit rating and whether you gain more through the program that often has a higher interest rate as compared to using a lower interest card and saving up the difference. If you are not a frequent flyer nor do you fly often for vacations, then you are probably better off with a lower interest credit card.

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Bendigo and Adelaide Bank Limited

The Bendigo Centre
Bendigo, Victoria 3550

Bendigo and Adelaide Bank Limited came into existence in 2007, when the merger between the Bendigo Bank and Adelaide Bank took place.

Commonwealth Bank of Australia

201 Sussex Street.
Tower 1
Sydney, New South Wales 2000

Commonwealth Bank of Australia is one of the largest banks in Australia, forming one of the top four banks of the country - CBA

Macquarie Bank

50 Martin Place
Sydney, New South Wales 2000

Macquarie Bank Limited is the largest investment bank in Australia, and also one of the top merger and acquisition advisers in the country.

Citigroup Pty Limited

2 Park Street
Citigroup Centre
Sydney, New South Wales 2000

Global Consumer Group – This group consist of Citibank and Diners Club brands combined offering consumer banking services, including transaction and

HSBC Bank Australia Limited

580 George Street
Level 32,
Sydney, New South Wales 2000

HSBC Bank Australia Limited, previously known as Hong Kong Bank of Australia Limited, got its license in 1986. But, it has been established way before

Agricultural Bank of China Limited

2 Chifley Square
Sydney, New South Wales 2000

Agricultural Bank of China Sydney Branch got its license to carry out banking business from the Australian Prudential Regulation Authority on 25th

Citibank Australia

455 George Street
Queen Victoria Building
Sydney, New South Wales 2000

Citibank is the largest issuer of credit cards in the world, but offers a number of other services to their customers, including saving accounts, term


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Sydney, New South Wales 2000

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Qudos Mutual Ltd

191 O’Riordan St
Connect Corporate Centre, Level 8
Mascot, New South Wales 2020

Qudos Mutual Ltd - Offers loans, insurances, saving accounts, financial planning and superannuation.

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