Consumer advocacy group Choice says Qantas is charging $100 million in excess credit card fees every year under the guise of covering processing costs.

Qantas charges $7.70 for credit card payments on domestic bookings, and four times that amount for international bookings.

The airline says it does not make any money from those fees.

"Qantas does not collect more in surcharges that it costs us to offer credit cards as a payment option," a Qantas spokesperson said.

"We also provide customers with alternatives to using credit cards."

The Reserve Bank's payments system board is meeting today, and Choice head of campaigns Matt Levey is hoping the central bank will introduce new limits on surcharges.

"Qantas was one of the first major Australian businesses to impose credit card surcharges following the Reserve Bank of Australia’s move to allow such charges from 1 January 2003," Mr Levey said.

"At the time, Qantas indicated it was 'absorbing credit card merchant fees', and would continue to do so even after adding a 1 per cent levy to credit card purchases.

"However, we estimate Qantas is now collecting more than $204 million in surcharges every year, while potentially paying less than half of that to their bank to process the transactions."

And Mr Levey says Qantas has placed inconvenient restrictions on its alternative payment methods.

"It's about having another option that is convenient. So for example, there are limitations on how far in advance you can pay for your ticket if you're using direct funds transfer," he said.

"There's one payment option, Mastercard debit, which enables you to get around the surcharge. But saying that everyone should either be booking their tickets well in advance or getting a Mastercard debit card we don't think represents a convenient payment alternative."