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s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

BEST FREQUENT FLYER PROGRAMS AUSTRALIA, WHAT ARE THEY?

What are frequent flyer programs?

It is a program that offers points that you can accumulate through purchasing flights, affiliated hotel stays, car hire and participating credit cards.

The idea is that you use your card at these businesses and you receive points as a reward for your loyalty.

What benefits can you get from frequent flyer programs ?

There are a few ways you can benefit from frequent flyer programs , however each individual program offer’s different benefits so ensure that you research the benefits you are looking for are available with the program you sign up with.

The most common benefits found in a frequent flyer program are:

  • Priority boarding on your flights.
  • Flight upgrades.
  • Airport lounge access.
  • Various benefit offers from different companies.

frequent flyer programs

What are some of the frequent flyer programs available in Australia?

Qantas frequent flyer program – Qantas Airlines

Velocity frequent flyer program – Virgin Airlines

These are the two main Australian frequent flyer programs , there are other programs offered through other airlines internationally so who you go with would depend on how often and where you fly.

How do you earn frequent flyer points through the Qantas program?

To join the Qantas frequent flyer programs it will cost you $89.50 for Australian residents.

You can earn points on all eligible Qantas flights, always check that your flight is eligible for frequent flyer points before booking. You can earn points when you fly Economy, Business or First class.

Qantas have also partnered up with other airlines and you can earn frequent flyer points when you fly with them also! Go to their website for a full list of their affiliate partner airlines.

Qantas offer a minimum points guarantee on flights that allow you to accumulate your points quicker.

There are also many credit cards that offer customers the opportunity to earn frequent flyer points on purchases.

These often come with bonuses like 50,000 – 100,000 bonus frequent flyer points per year, complimentary overseas insurance etc. As well as the opportunity to earn points on purchases made on the card.

Virgin Velocity Frequent Flyer programs :

Virgin customers can earn points through booking flights and making eligible purchases.

Velocity offer’s it’s own rewards credit card to its customers and once customers have earned enough points they can redeem them for a variety of products and flight discounts including BP service stations.

There is no joining fee with Velocity that gives customers the confidence to join and try it on for size.

There is also a range of co-branded credit cards available that will earn you Virgin frequent flyer points, go to their website for a full list of these.

You can also earn points on fuel purchases at participating BP service stations, your groceries when shopping at Coles and any Coles affiliates such as K-mart, Coles express petrol stations, Target, Liquorland, Telstra and many more!

Therefore, is a frequent flyer program right for you? You would need to weigh up how often you fly and whether the costs would be worth the benefits for your individual situation.

Virgin’s frequent flyer programs definitely offers a more everyday spender the opportunity to be able to easily accumulate points with no sign up fee so it may be a good way to test the water if you are considering frequent flyer programs.