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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.
Est. profit $1,215
Read my analysis
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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.
Est. profit $1,200
Read my analysis
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 Take
Moderate spend — $100/day for 120 days. Poor ongoing earn rate. No annual fee.
Est. profit $1,030
Read my analysis 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 Take
Moderate spend — $100/day for 120 days. Poor ongoing earn rate.
Est. profit $820
Read my analysis 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
Moderate spend — $100/day for 120 days. Average ongoing earn rate.
Read my analysis 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
Moderate spend — $100/day for 120 days. Average ongoing earn rate.
Read my analysis
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 3 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
Read my analysis
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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,251
Read my analysis 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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $611
Read my analysis
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
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis 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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
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
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis 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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis
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
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis 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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis 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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
Read my analysis 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 Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
Read my analysis 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
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
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 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,135
Read my analysis
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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis 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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
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 Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
Read my analysis
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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis 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 Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
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
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis 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 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis 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 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis 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 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis 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 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis
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 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,645
Read my analysis 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 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
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
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis