Transferring credit card or loyalty points to Qantas can dramatically accelerate your points balance — but the ratios, timing, and value differ significantly between partners. This guide covers every Australian transfer partner with the current ratios (including the December 2025 Amex changes) and a clear framework for deciding when a transfer makes sense.
Use our transfer calculatorto see exactly how many Qantas Points you'll receive from any partner program.
How Points Transfers to Qantas Work
Transferring points to Qantas means converting a balance from another loyalty program into your Qantas Frequent Flyer account at a fixed ratio. Key mechanics to understand:
Key Mechanics of Points Transfers
One-Way Only
Transfers are completely irreversible. Points cannot be moved back once converted.
Account Linking Required
Most programs require you to link your accounts before transferring.
Minimum Transfers
Each program sets a minimum (typically 500–2,000 partner points) per transaction.
Processing Time
Ranges from same-day (some bank cards) up to 5 business days for supermarkets.
Fixed Ratio
You always get the same Qantas Points per partner point — regardless of your loyalty tier.
Transfer Ratios: Every Partner Program Compared
| Program | Transfer Ratio | Min. Transfer | Transfer Time |
|---|---|---|---|
| Amex Membership Rewards | 2:1 | 500 pts | 1–3 business days |
| Everyday Rewards (Woolworths) | 2,000:870 | 2,000 pts | 3–5 business days |
| Westpac Altitude | 3:1 | 1,500 pts | 3–5 business days |
| NAB Rewards | 2:1 | 2,000 pts | 3–5 business days |
| CommBank Awards | 2.5:1 | 2,500 pts | 3–5 business days |
| ANZ Reward Points | 3:1 | 2,000 pts | 3–5 business days |
| St George Amplify | 2:1 | 1,000 pts | 3–5 business days |
| Velocity (VA) | Not applicable | — | — |
Amex Membership Rewards: The Most Valuable Transfer Partner
American Express Membership Rewards is the most flexible and valuable transfer partner for Australian Qantas members. The 2:1 ratio (2 Amex points = 1 Qantas Point) is standard across most Amex cards, though some premium cards may have better rates.
Important: Amex changed its Membership Rewards transfer ratios on December 15, 2025.Members with existing Amex cards should verify the current ratio for their specific card, as some categories were affected differently.
Amex Bonus Transfer Promotions
Amex periodically runs 20–30% bonus transfer promotions where your points convert to more Qantas Points at no extra cost. During a 30% bonus promotion, the effective ratio improves to approximately 1.54:1 — meaning 1,000 Amex points becomes 650 Qantas Points instead of 500.
These promotions are typically announced with a 2–4 week window. Watch for them before a large planned transfer — the bonus can add tens of thousands of Qantas Points at no cost.
Everyday Rewards to Qantas: The Supermarket Loyalty Angle
Everyday Rewards (Woolworths) transfers at 2,000 points to 870 Qantas Points — an effective ratio of approximately 2.3:1. The non-round number is because Everyday Rewards uses a different points architecture than credit card programs.
To transfer Everyday Rewards to Qantas:
Everyday Rewards Transfer Steps
Accounts Ready
Ensure you have active Everyday Rewards and Qantas Frequent Flyer accounts.
Link Accounts
Link accounts via Everyday Rewards website or app under "Partner programs".
Select Amount
Choose the amount you want to transfer (minimum 2,000 Everyday Rewards points).
Points Post
Allow 3–5 business days for your new Qantas Points to post in your account.
The Everyday Rewards ratio is not the best available, but for members who accumulate significant Woolworths shopping points, transferring to Qantas is a better use than most Everyday Rewards merchandise redemptions.
Australian Bank Cards: NAB, Altitude, CommBank, ANZ
| Bank / Program | Effective ratio | Verdict |
|---|---|---|
| NAB Rewards | 2:1 | Good — same ratio as Amex |
| St George Amplify | 2:1 | Good — same ratio as Amex |
| Westpac Altitude | 3:1 | Average — 50% worse than Amex |
| CommBank Awards | 2.5:1 | Below average |
| ANZ Reward Points | 3:1 | Average — less efficient than Amex |
For members earning on bank cards, NAB Rewards and St George Amplify offer the best transfer efficiency at 2:1. Westpac Altitude and ANZ at 3:1 are significantly less efficient — for every 10,000 bank points, you receive 3,333 Qantas Points vs 5,000 from NAB.
Is It Worth Transferring?
The decision framework: compare the CPP of your Qantas redemption against the native value of your partner program points.
Example calculation for Amex:
Amex Transfer Worked Example
The transfer is worth it when the Qantas CPP you can achieve exceeds the native value of your partner program points. This is usually the case for premium cabin redemptions, but less often for domestic economy.
Transfer Strategy Tips
Checklist: Transfer Strategy Success
Frequently Asked Questions
Quick answers to common questions about this topic
Calculate your transfer to Qantas
Enter your partner program balance to see exactly how many Qantas Points you'll receive.
Open Transfer CalculatorQantas Points Calculator
Published February 21, 2026 · Updated February 2026