20th February, 2026
When preparing a Will, most people focus on property, physical assets, bank accounts and superannuation. However, frequent flyer points are often forgotten. Although they are not cash, they can hold significant practical value. Therefore, they should be considered as part of a comprehensive estate plan.
Many Australians accumulate points through programs such as Qantas Frequent Flyer and Velocity Frequent Flyer. While these balances may sit quietly in an online account, they can fund flights, upgrades and family holidays. As a result, overlooking them can mean lost opportunities for beneficiaries.
Are Frequent Flyer Points Part of Your Estate?
Unlike money in a bank account, frequent flyer points are governed by contractual program rules. Consequently, they do not automatically transfer under your Will. Instead, each loyalty program sets out what can occur after a member passes away.
For example, Qantas allows unexpired points to be transferred to an eligible family member. However, the executor must contact the Frequent Flyer Service Centre within 12 months of death. In addition, documented proof of death and executor authority is required. If action is not taken within the timeframe, the points may expire.
Similarly, other programs impose their own conditions and limits. Therefore, understanding the relevant terms and conditions is essential.
Why Valuation and Timing Matter
Frequent flyer points rarely have a fixed dollar value. Because their worth depends on how they are redeemed, calculating value can be difficult. Points used inefficiently may provide minimal return. By contrast, strategic use can deliver substantial travel benefits.
Importantly, points can expire or be devalued over time. Airline policies may also change without notice. For this reason, early estate planning discussions should include loyalty program balances. Otherwise, beneficiaries may lose access before they even realise the points exist.
Practical Steps in Estate Planning
To protect this asset, you should document all loyalty memberships clearly. In addition, your estate plan should identify the relevant program and membership number. However, passwords should never be written directly into your Will.
You should also inform your executor about any significant balances. Accordingly, they can act promptly and comply with program requirements. Clear communication can prevent unnecessary loss.
Furthermore, frequent flyer points form part of the broader category of digital assets. As estate planning evolves, these non-traditional assets require careful attention. Therefore, reviewing your estate plan regularly is advisable.
How We Can Help
Castrikum Adams Legal assists clients with the practical steps to manage assets like frequent flyer points in Byron Bay, Ballina, Bangalow, Lennox Head, Brunswick Heads, Mullumbimby and Murwillumbah.
If you would like tailored advice about protecting your assets, including frequent flyer points, our experienced team is here to help on 66 871 167.
If you found this blog helpful, please read our other blogs.
The content of this Blog does not constitute legal advice, is not intended to be a substitute for legal advice and should not be relied upon as such. You should seek legal advice or other professional advice in relation to any specific matters you or your organisation may have.