Best points credit cards with airport lounge access (October 2026)

Ranked by net value (yearly points minus the annual fee) at A$4,000/mo, Economy · Short-haul. We compared all 17 eligible cards.

  1. 1American ExpressThe American Express Velocity Platinum CardEarns Velocity Frequent FlyerPoints a year61,400Annual feeA$440Net value+A$625.90
  2. 2American ExpressThe Qantas American Express Premium CardEarns Qantas Frequent FlyerPoints a year49,700Annual feeA$249Net value+A$486.56
  3. 3American ExpressThe Qantas American Express Ultimate CardEarns Qantas Frequent FlyerPoints a year61,700Annual feeA$450Net value+A$463.16
  4. 4American ExpressThe American Express Explorer Credit CardEarns Velocity Frequent FlyerPoints a year48,000Annual feeA$395Net value+A$438.28
  5. 5Qantas MoneyQantas Money Platinum Credit Card (Qantas Premier Platinum)Earns Qantas Frequent FlyerPoints a year52,000Annual feeA$399Net value+A$370.60
  6. 6Virgin MoneyVirgin Australia Velocity High Flyer Credit CardEarns Velocity Frequent FlyerPoints a year38,900Annual feeA$349Net value+A$326.30
  7. 7ANZANZ Frequent Flyer BlackEarns Qantas Frequent FlyerPoints a year49,700Annual feeA$425Net value+A$310.56
  8. 8St.George (also BankSA, Bank of Melbourne)Amplify Rewards SignatureEarns Velocity Frequent FlyerPoints a year36,600Annual feeA$370Net value+A$265.38
  9. 9NABNAB Rewards Travel CardEarns Velocity Frequent FlyerPoints a year29,900Annual feeA$395Net value+A$124.06
  10. 10WestpacWestpac Altitude Velocity BlackEarns Velocity Frequent FlyerPoints a year30,700Annual feeA$450Net value+A$82.95
Different spending means a different ranking. You can also pick your route, cabin and season.
Recalculate with my spending →

Based on issuer disclosures as of 2026-10-01. How we calculate

More rankings