MELBOURNE · 14 REWARD ROUTES · 7 CARDS
How long your spending takes
to reach a business seat.
MEL to Auckland in business is 20,700 Qantas points. London is 166,300. Pick a destination and these tables show how long each card takes to get you there, on real household spending patterns.
Or start from the cards →A one-way business reward seat from MEL starts at 20,700 points to Auckland and runs to 166,300 for London. Each card in these tables is run against a month of real household spending to show how many months that seat takes.
Cards, seats, spending patterns and transfer ratios are four separate tables. Start with whichever one you already know.
- Reward routes
- 14 ex-MEL
- Cards in tables
- 7
- Spending profiles
- 5
- Lowest seat priced
- 20,700 pts
14routes priced
Reward flights
What a seat costs in points, route by route.
7cards on file
Card tables
Fees, earn rates and bonus terms, sourced and dated.
5spending patterns
Spending profiles
Start from a month of real household spending.
11transfer bridges
Transfer matrix
Which bank points reach which airline, at what ratio.
What a seat costs, ex-MEL
Auckland
MEL → AKL · 2,637 km great circle
Auckland
MEL → AKL · 2,637 km great circle
Denpasar
MEL → DPS · 4,381 km great circle
Denpasar
MEL → DPS · 4,381 km great circle
Hong Kong
MEL → HKG · 7,412 km great circle
Hong Kong
MEL → HKG · 7,412 km great circle
London
MEL → LHR · 16,908 km great circle
London
MEL → LHR · 16,908 km great circle
Los Angeles
MEL → LAX · 12,758 km great circle
Los Angeles
MEL → LAX · 12,758 km great circle
Singapore
MEL → SIN · 6,034 km great circle
Singapore
MEL → SIN · 6,034 km great circle
Tokyo
MEL → HND · 8,158 km great circle
Tokyo
MEL → HND · 8,158 km great circle
Start from a month of real spending
The Corporate Consultant
Client dinners, flights and rideshares go on a personal card and come back later as expenses. The spend is lumpy but high, so minimum-spend hurdles clear early — which makes the annual fee, rather than the bonus, the number worth checking.
The Inner-North Couple
Two incomes, one card, and a car that barely moves. Spending is steady rather than seasonal: a supermarket shop most weeks, dinner out often, utilities on direct debit. Even patterns like this favour a strong base rate over category bonuses.
The Light Spender
A single income and $1,900 a month going through the card. At that level most headline bonuses are out of reach, because the minimum spends are simply higher than the pattern. What matters instead is the fee as a share of what the card earns, and whether points expire.
The Overseas Regular
A large share of this card's spend is billed in foreign currency — offshore software and hardware, hotel deposits, and a few weeks abroad each year. Lifted overseas earn rates and foreign transaction fees pull against each other, so the net position depends on the mix.
The Suburban Family
Groceries dominate: a large weekly shop, fuel through school term, and bills that arrive in seasonal lumps. Totals run high enough to clear most minimum spends without anyone changing how they spend, so earn caps matter more here than hurdles.
Fact sheets, not reviews
| Card | Annual fee (AUD) | Sign-up bonus (points) | Min. spend (AUD) |
|---|---|---|---|
| American Express The Platinum Card | — | — | $5,000 |
| American Express Qantas Ultimate | — | — | — |
| ANZ Frequent Flyer Black | — | 80,000 | $6,000 |
| NAB Qantas Rewards Signature | — | 130,000 | $5,000 |
| Qantas Money Titanium | — | 150,000 | $5,000 |
| St.George Amplify Signature (Qantas) | — | 150,000 | $6,000 |
| Westpac Altitude Rewards Black | — | 200,000 | $12,000 |
Sign-up bonuses are the published headline offer. Whether a given household reaches the minimum spend is the question the profile pages answer.
Every number traces to a provider page collected on a stated date, and that date sits beside the figure. Tables a human editor has re-checked say so; the rest say they are still waiting on that check.