How to Transfer Bank Reward Points to Qantas (Spoiler: Mostly You Can't)
By Craig McNamara · Published on 26 July 2026
After I wrote up transferring Velocity points to KrisFlyer, the obvious follow-up question came in: "what about Qantas? I've got a pile of Westpac Altitude / NAB Rewards / ANZ Rewards points — how do I move them across?"
The honest answer, straight from the transfer rates I track on this site: for almost every bank program, you can't. Qantas is the one major Australian frequent flyer program the banks' flexible points mostly don't flow into. There's exactly one transfer path left in my data, and it's Amex.
Here's what the data actually shows, how the one working path works, and what the banks do instead.
Which programs transfer to Qantas
This is every bank reward program in my transfer rate data, and where its points can go:
| Program | → Qantas | → Velocity | → KrisFlyer |
|---|---|---|---|
| Amex Membership Rewards (Ascent Premium) | 2 : 1 | 2 : 1 | 3 : 1 |
| ANZ Rewards | — | 2 : 1 | 3 : 1 |
| Westpac Altitude Rewards | — | 3 : 1* | 3 : 1 |
| NAB Rewards | — | 2 : 1 | 3 : 1 |
| St.George Amplify Rewards | — | 2 : 1 | 3 : 1 |
| Bank of Melbourne Amplify | — | 2 : 1 | 3 : 1 |
| Citi Rewards | — | 2 : 1 | 2.5 : 1 |
| Suncorp Rewards | — | 2 : 1 | 2.5 : 1 |
| HSBC Rewards | — | — | 1,000 : 800 |
| MyCard Rewards | — | 2 : 1 | — |
* Not in my transfer table — the Westpac→Velocity leg comes from Velocity's own transfer terms (1 : 3, minimum 3,000 points). The full matrix post has the detail.
One column is basically empty. That's the whole story.
Nearly every flexible bank program will happily send your points to Velocity, KrisFlyer, or both. None of them — not ANZ, not Westpac, not NAB (whose rewards page says it outright: "Excludes Qantas Frequent Flyer Program"), not St.George, not Citi — will send them to Qantas. The only Qantas row in my data is American Express Membership Rewards, at 2 points per 1 Qantas point, on the Ascent Premium tier (the program attached to cards like the Amex Platinum). Qantas only appears as a transfer partner on the Ascent Premium tier — and don't expect Amex's Membership Rewards program options page to spell that out: it just counts "10 leading Airline Rewards programs" for Ascent Premium without naming them, and the ratio itself now only shows inside the transfer portal.
So if your points are sitting in ANZ Rewards and you were hoping to fly them into Qantas: there is no button for that. Your options are Velocity, KrisFlyer, smaller airline programs like Airpoints and Asia Miles, or the program's own store.
The one path that works: Amex Membership Rewards → Qantas
If you do hold an Amex card on the Ascent Premium program, the transfer is straightforward:
- Confirm your card is on a Membership Rewards tier that includes Qantas as a partner. Ascent Premium does. Note that Qantas-branded Amex cards are different — they earn Qantas points directly and don't have a transferable balance at all.
- Link your Qantas Frequent Flyer number in the Amex Membership Rewards transfer portal.
- Convert at 2:1 — 2 Membership Rewards points become 1 Qantas point.
- Transfer only when you have a use in mind. Points sitting in Membership Rewards keep the option of going to Velocity (2:1) or KrisFlyer (3:1) instead. The moment they land in Qantas, that flexibility is gone — transfers are one-way.
To put the 2:1 in context: the current Amex Platinum targeted offer in my data is 225,000 Membership Rewards points, which converts to 112,500 Qantas points if you push the whole lot across. Same points, sent to Velocity instead, would be 112,500 Velocity points — the Qantas and Velocity legs are the same ratio, so for once the choice is purely about which program you'll actually redeem in.
Minimums and timing worth knowing
A few caveats, straight from the same data:
- Most transfer legs have minimums. Amex → Velocity needs 2,000 points; the Amplify and Westpac legs need 3,000; Suncorp won't move anything under 25,000 points. Check the live table for the leg you care about before assuming a small balance is movable.
- Rates change, and not in your favour. These ratios get repriced — Amex's public rate documents have come and gone from its site more than once. I keep the table current, but always sanity-check the rate inside your bank's portal at the moment you transfer.
- Don't transfer the night before you want to book. Transfers between programs aren't always instant, and a points balance stuck mid-transfer helps nobody. Move the points once you've found the seat, with a comfortable buffer.
Direct-earn vs transferable: how the banks actually do Qantas
So how does anyone earn Qantas points on a bank card? The banks solved this a different way: instead of letting their flexible program transfer to Qantas, they sell you a separate Qantas version of the card that earns Qantas points directly, straight into your frequent flyer account every month.
That's why the card lineups look duplicated. Westpac has Altitude Rewards and Altitude Qantas Black. NAB has NAB Rewards and the NAB Qantas Rewards Signature. St.George has Amplify Rewards and Amplify Qantas. And the current direct-earn signup bonuses are serious — the Qantas Premier Titanium is offering 150,000 Qantas points right now, the NAB Qantas Signature 100,000, and the Westpac and St.George Qantas variants 90,000 each.
The trade-off is the mirror image of the transfer table:
- Direct-earn Qantas card: every point lands in Qantas automatically. No transfer step, no rate risk — and no flexibility. Those points are never going to Velocity or KrisFlyer.
- Flexible bank program: points can go to Velocity or KrisFlyer whenever you choose, at rates you can check before committing — but (Amex aside) the Qantas door is closed.
That's the real decision, and it happens at application time, not transfer time. With most Australian banks you don't choose Qantas when you redeem — you choose it when you pick which version of the card to apply for. I compare the current Qantas direct-earn cards, bonuses and fees on the Qantas cards page.
Where to check the live numbers
- The point transfer calculator has every transfer rate above, kept current, plus a calculator for chaining legs (e.g. bank → Velocity → KrisFlyer).
- The Qantas cards page ranks the current direct-earn Qantas offers by real first-year value.
- If Velocity is where your bank points can actually go, the Velocity cards page and the KrisFlyer cards page cover that side.
Short version: unless you're holding Amex Membership Rewards points, "transfer my bank points to Qantas" isn't a transfer question at all — it's a which-card-did-you-apply-for question.
