Credit Cards with Lounge Access
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
Two complimentary Qantas Club lounge invitations per year for ANZ Frequent Flyer Black cardholders, valid for Qantas Club and Qantas operated International Business Lounges only. Invitations are single-entry and valid for 12 months from issue.
Spend $5,000 in 90 days
Craig's Take95,000 Qantas pts × 1.6¢/pt = $1,520
+ $200 cashback
− $425 first year fees
Est. profit $1,295
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Two complimentary single-entry Qantas First Lounge Invitations and two additional single-entry Lounge Invitations per year for domestic Qantas Club or Qantas operated International Business Lounges (excluding LA Tom Bradley Terminal)
Spend $5,000 in 90 days
Craig's Take156,250 Qantas pts × 1.6¢/pt = $2,500
− $1,200 first year fees
Est. profit $1,300
CommBank Ultimate Awards Credit Card with Qantas Points (with $4000 per month spend)
Qantas points
$0 annual fee
Offer
70,000 Qantas points
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
Spend $12,000 in 120 days
Craig's Take74,800 Qantas pts × 1.6¢/pt = $1,197
− $90 first year fees
Est. profit $1,107
CommBank Ultimate Awards Credit Card with Qantas Points
Qantas points
$420 annual fee
Offer
70,000 Qantas points
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
Spend $12,000 in 120 days
Craig's Take74,800 Qantas pts × 1.6¢/pt = $1,197
− $300 first year fees
Est. profit $897
CommBank Ultimate Awards Credit Card
Commbank points
$420 annual fee
Offer
100,000 Commbank points
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
Spend $12,000 in 120 days
Craig's Take CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Commbank points
$0 annual fee
Offer
100,000 Commbank points
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
Spend $12,000 in 120 days
Craig's Take
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.
Spend $4,000 in 90 days
Offer Expires 2 months ago (2025-12-02)
Craig's Take
Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
OfferNo Qantas CC 24mo
100,000 Qantas points
2 single-entry lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, including complimentary food, beverages and Wi-Fi
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take105,000 Qantas pts × 1.6¢/pt = $1,680
− $349 first year fees
Est. profit $1,331
Qantas Premier Platinum
Qantas points
$399 annual fee
Offer
60,000 Qantas points
2 single-entry lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, including complimentary food, beverages and Wi-Fi
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take65,000 Qantas pts × 1.6¢/pt = $1,040
− $349 first year fees
Est. profit $691
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Access to over 1,400 airport lounges in more than 140 countries including Centurion Lounge, Escape Lounges, Priority Pass Lounges, Plaza Premium Lounges, Delta Sky Club (when flying Delta), and Virgin Australia Domestic Lounges (when flying Virgin Australia).
Spend $5,000 in 90 days
Craig's Take
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
2 complimentary Qantas lounge visits per year upon registration at loungepass.stgeorge.com.au and making a transaction over $1 in the last 12 months. Invitations valid for Qantas Club and Qantas-operated International Business Lounges excluding Los Angeles Tom Bradley Airport lounge.
Spend $6,000 in 120 days
Craig's Take93,000 Qantas pts × 1.6¢/pt = $1,488
− $370 first year fees
Est. profit $1,118
St.George Amplify Qantas Signature (Existing customers, through log in)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
2 complimentary Qantas lounge visits per year upon registration at loungepass.stgeorge.com.au and making a transaction over $1 in the last 12 months. Invitations valid for Qantas Club and Qantas-operated International Business Lounges excluding Los Angeles Tom Bradley Airport lounge.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take93,000 Qantas pts × 1.6¢/pt = $1,488
− $275 first year fees
Est. profit $1,213
St.George Amplify Rewards Signature
St.George Amplify points
$295 annual fee
Offer
100,000 St.George Amplify points
2 complimentary Priority Pass lounge visits each year when enrolled at prioritypass.com/amplifysignature. Additional visits and guest visits incur fees charged to the card.
Spend $12,000 in 365 days
$199 first year annual fee, $295 thereafter
Craig's Take
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take93,000 Qantas pts × 1.6¢/pt = $1,488
− $275 first year fees
Est. profit $1,213
Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).
Spend $6,000 in 120 days
Craig's Take93,000 Qantas pts × 1.6¢/pt = $1,488
− $370 first year fees
Est. profit $1,118
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
2 complimentary Priority Pass airport lounge visits per year, one visit may be shared with a travel companion. Requires enrolment at prioritypass.com/westpacblack. Additional visits incur fees. Also, 2 Qantas Club Complimentary Invitations per year for Qantas Club and Qantas operated International Business Lounges (excluding some lounges) upon registration and eligible spend. Plus, 2 Virgin Australia Domestic Lounge Passes per year for Altitude Velocity Black cardholders with eligible spend and registration.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Two Qantas Club Complimentary Invitations per 12-month period for cardholders earning Qantas Points, valid for Qantas Club and Qantas operated International Business Lounges (excluding some lounges). Invitations available via Qantas Complimentary Invitations Portal.
Spend $6,000 in 120 days
Craig's Take93,000 Velocity pts × 1.7¢/pt = $1,581
− $370 first year fees
Est. profit $1,211
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 120 days
Craig's Take93,000 Velocity pts × 1.7¢/pt = $1,581
− $370 first year fees
Est. profit $1,211
Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Two Qantas Club Complimentary Invitations per 12-month period for cardholders earning Qantas Points, valid for Qantas Club and Qantas operated International Business Lounges (excluding some lounges). Invitations available via Qantas Complimentary Invitations Portal.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take93,000 Velocity pts × 1.7¢/pt = $1,581
− $275 first year fees
Est. profit $1,306
Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take93,000 Velocity pts × 1.7¢/pt = $1,581
− $275 first year fees
Est. profit $1,306
St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
OfferExisting Customers
100,000 St.George Amplify points
2 complimentary Priority Pass lounge visits each year when enrolled at prioritypass.com/amplifysignature. Additional visits and guest visits incur fees charged to the card.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Virgin Australia Lounge Access at select domestic airports every time you fly Virgin Australia domestically; enrolment required; additional 2 Virgin Australia Guest Lounge Passes per Membership year for friends or family.
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-04-30)
Craig's Take76,250 Velocity pts × 1.7¢/pt = $1,296
+ $385 cashback
− $440 first year fees
Est. profit $1,241
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
OfferReferral
70,000 Qantas points
Two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take76,250 Qantas pts × 1.6¢/pt = $1,220
+ $450 cashback
− $450 first year fees
Est. profit $1,220
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
OfferReferral
70,000 Qantas points
2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take76,250 Qantas pts × 1.6¢/pt = $1,220
+ $450 cashback
− $450 first year fees
Est. profit $1,220
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Complimentary delayed flight lounge pass for NAB Rewards Signature Cardholders, includes access for cardholder plus up to 4 travel companions to select airport lounges or dining options during flight delays.
Spend $4,000 in 90 days
Craig's Take72,000 Velocity pts × 1.7¢/pt = $1,224
− $195 first year fees
Est. profit $1,029
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take76,250 Qantas pts × 1.6¢/pt = $1,220
+ $450 cashback
− $450 first year fees
Est. profit $1,220
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take76,250 Qantas pts × 1.6¢/pt = $1,220
+ $450 cashback
− $450 first year fees
Est. profit $1,220
The American Express Platinum Card
American Express points
$1,450 annual fee
Offer
200,000 American Express points
Access to over 1,400 airport lounges in more than 140 countries including Centurion Lounge, Escape Lounges, Priority Pass Lounges, Plaza Premium Lounges, Delta Sky Club (when flying Delta), and Virgin Australia Domestic Lounges (when flying Virgin Australia).
Spend $5,000 in 90 days
Offer Expires in 6 months (2026-08-25)
Craig's Take Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Two Qantas Club Complimentary Invitations per 12-month period for cardholders earning Qantas Points, valid for Qantas Club and Qantas operated International Business Lounges (excluding some lounges). Invitations available via Qantas Complimentary Invitations Portal.
Spend $6,000 in 120 days
Offer Expires in 23 days (2026-03-05)
Craig's Take123,000 Velocity pts × 1.7¢/pt = $2,091
− $370 first year fees
Est. profit $1,721
Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 120 days
Offer Expires in 23 days (2026-03-05)
Craig's Take123,000 Velocity pts × 1.7¢/pt = $2,091
− $370 first year fees
Est. profit $1,721
Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Two Qantas Club Complimentary Invitations per 12-month period for cardholders earning Qantas Points, valid for Qantas Club and Qantas operated International Business Lounges (excluding some lounges). Invitations available via Qantas Complimentary Invitations Portal.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 23 days (2026-03-05)
Craig's Take123,000 Velocity pts × 1.7¢/pt = $2,091
− $275 first year fees
Est. profit $1,816
Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 23 days (2026-03-05)
Craig's Take123,000 Velocity pts × 1.7¢/pt = $2,091
− $275 first year fees
Est. profit $1,816
The American Express Velocity Platinum Card (Velocity Bonus Offer)
Velocity points
$440 annual fee
Offer
100,000 Velocity points
Virgin Australia Lounge Access at select domestic airports every time you fly Virgin Australia domestically; enrolment required; additional 2 Virgin Australia Guest Lounge Passes per Membership year for friends or family.
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-04-30)
Craig's Take106,250 Velocity pts × 1.7¢/pt = $1,806
+ $385 cashback
− $440 first year fees
Est. profit $1,751
NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
Complimentary delayed flight lounge pass for NAB Rewards Signature Cardholders, includes access for cardholder plus up to 4 travel companions to select airport lounges or dining options during flight delays.
Spend $4,000 in 90 days
Offer Expires in 23 days (2026-03-05)
Craig's Take82,000 Velocity pts × 1.7¢/pt = $1,394
− $195 first year fees
Est. profit $1,199
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
80,000 Commbank points
Access to over 1,300 airport lounges worldwide for a fee via Mastercard Travel Pass provided by DragonPass. Cardholder must register on the Mastercard Travel Pass app or website and pay lounge visit fees per visit and for guests.
Spend $6,000 in 150 days
Craig's Take