Airline and Frequent Flyer Credit Cards

Do you want to show off and annoy your friends when you pay for holiday with reward credit card points? This is the best place to get such deals. However, before you can continue and sign up for any of the rewards credit cards, there is essential frequent flyer information that you need to know and comprehend. This is important to fully understand before you complete your plans for the Bali vacation.

How Do I Earn Flight Rewards Points?

The points, also known as flyer miles will accrue any time that you use the rewards credit card for your travel. Once you have accumulated a set number of points, you will get a voucher for the specificairline. There are some rewards programs that will add you point to the frequent flyer program offered by Virgin, Qantas, and Jetstar or any other airline.

How to Compare and Find the Best* Frequent Flyer Credit Card for Your Needs

There are so many frequent flyer credit cards on the market. You would need to compare and find the particular one that will serve your specific needs and personal objectives. There are a number of factors, listed below, which would go a long way in helping you choose the right credit card program that will help you accrue frequent flyer points.

1. The frequent flyer program:  You should choose a credit card that will earn points through the frequent flyer programs that you have already enrolled for. This will ensure that your rewards are maximised.
2. Point earning rate: The other essential consideration is the rate of earning the points per $1 spent. You should check if there is any variance for a dual credit card, like the ones with MasterCard of Visa and an AMEX. It is also advisable to confirm if the points are applied selectively on certain purchases.
3. Reward values: It also important to consider the redeemable rewards and how the values measure up. This is an essential factor that you can use to compare between various credit card reward programs.
4. Annual fee: if the credit card has annual fees and other additional charges, which are more than the rewards, you may want to consider a different card altogether.
5. Promotional rates and features: It is advisable to check for the frequent flyer credit cards that have promotions for new customers. Some of the common promotions and features, that may interest you, include 0% purchase rates, new customer bonus and no annual fees for the initial year and balance transfer deals among others. Be sure to go through the fine print and all terms and conditions so that you can fully understand the policies of the credit card.
6. Complimentary extras.  Look out for the frequent flyer credit cards that have complimentary additions. Some of the common extras that you can get include warranties, travel insurance, concierge services, and internationalairline lounge services among others. With such enormous value, you would not have to mind paying the annual fees, since the credit card proves to be worthwhile.

How to Choose a Frequent Flyer Program

In order to understand how you can choose the best frequent flyer program, this section will evaluate different frequent flyer programs. The comparison will be based on the earnings of each, and this will help you find a program that suits your needs.

Qantas Frequent Flyer: The Qantas Frequent Flyer credit cards have different packages they will allow you to earn between 0.25 to 1.5 reward points for every dollar spent. The points can be redeemed for air tickets, and there are over 400 programs that have partnered with this Qantas store.

Jetstar Rewards: Jetstar has a direct connection to Qantas, and as such, you can actually use the Qantas points on Jetstar flights. There are two different Jetstar credit cards that will earn you Jetstar dollars, which are exclusively redeemable for Jetstar flights and this saves you the cost of the booking fee.
Velocity Frequent Flyer: These credit cards of rewards of between 0.5 and 1.5 points for every single dollar spent. There are additional membership benefits that are added, including complimentary baggage, express boarding, lounge access and flight upgrades. You can redeem the points for flight on Virgin Australia and other partners as well as from the Velocity store.

Tigerair:  This is one of the partners of Virgin Airways, and as such, you can use the Velocity Frequent Flyer credit card to earn your points. You can redeem the points through Tigerair or Virgin, through the Velocity Frequent Flyer account.

Emirates Skywards Rewards: This gives you the opportunity to earn $1 per mile and goes up to 10,000 Skywards Miles. This is through the Emirates Citi World credit card. The American Express credit card, on the other hand, allows you to enjoy membership rewards, which are redeemable for the Emirates Skywards Miles. You can redeem your points in the form of flight upgrades and rewards through Emirates and the other partners.

Singapore Airlines KrisFlyer Program: You cannot find any KrisFlyer credit cards on the market in Australia. However, you can use Citi Rewards, American Express Membership, and Westpac Altitude Rewards to get KrisFlyer miles. These rewards can be used on SilkAir, Singapore Airlines and any other affiliate of the Star Alliance airline network.

1. 1. How can i maximise my frequent flyer credit card points? ANSWER

2. There are quite a few different things that you can do to maximise your rewards, even though the amount of the points you earn will vary depending on the credit card. These methods include:

   • Earning points through everyday purchases. This particular type of credit card is going to allow you to earn points as you purchase different day-to-day items like groceries or paying gas bills and others of the kind. The sooner you link the card to the actual billers, the more points you will make.
   • Bonus points. There are quite a lot of different cards which offer a substantial amount of points to new customers in the first few months. These points can quickly stack up and amount hundreds of dollars.
   • Using program partners. This is also something that you want to consider. Certain credit cards will partner up with different venues like airlines, fuel providers, and even some retainers. Buying from them will get you bonus points. Check the issuer of the card to see if there are providers of the kind – this can boost your rewards substantially.
   • Dual credit cards of American Express. Certain card issuers will go so far to issue cards with MasterCard or Visa and with AMEX. The ANZ Frequent Flyer credit card, for instance, earns 0.5 for every $1 on your Visa and 1 point for every dollar on your AMEX.
   • Using supplementary credit cards. If you request another credit card, this means that you are going to be sharing it with your partner or with someone from your family. This is a great way to boost your point earnings.
   • Gold, platinum and black cards. These are all superior to regular cards. As such, they are likely to give you more points for every $1 that you spend.
3. 2. How do points caps function? ANSWER

4. Now, earning frequent flyer points or reward point can be capped as well as uncapped. When it’s capped, you can earn points at a rate which is normal only up to a specified amount of points for a specified amount of time – for instance, 5000 points per year. After you’ve reached this particular point cap, you wouldn’t be able to accumulate more points, or the points that you accumulate will get substantially lower for what remains of the period.

5. 3. How do bonus offers work? ANSWER

6. There are certain bonuses which you’d be capable of taking advantage of. These are a great way to boost your overall point balance. To receive a bonus of the kind you are going to be required to make a certain amount of purchases for a specific period of time. For instance, you might be required to make $500 in purchases for the next 30 days.

7. 4. Credit card cancellation after reception of bonus points – is it possible? ANSWER

8. In the majority of cases, you would be capable of cancelling your credit card at no additional costs or fees after you get your bonus points. If you have a $0 annual fee for your first year and you cancel it before the renewal, you will be capable of avoiding the charge. If you are after additional bonus points, please not that the same bank is not going to allow you to apply for them at least for 12 months after the cancellation.

9. 5. Can you earn points for balance transfers as well as for cash advances? ANSWER

10. No, you can’t. Points are awarded for making purchase which is eligible only.

11. 6. Are the FF credit cards truly worth it? ANSWER

12. They are only worth it for certain types of card holders. It wouldn’t make much sense for you to have a card of the kind unless you spend a lot of money. These cards usually come with higher interest rates as well and annual fees as well and as such they usually cause the holders to spend more than they should and that’s what may cause certain holders to get in debt.

    So unless you earn enough of the points to actually offset the additional cost which is generally rather hard, you will always end up with a negative balance, rendering the cards a bit useless.