Qantas American Express Discovery Credit Card

On American Express' website

Qantas American Express Discovery Credit Card

Highlights

  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • Pay no annual card fee.
  • Up to 4 Additional Cards for family members or friends with no extra fee.

Pros and cons

Pros

  • Ongoing $0 annual fee, a rarity among rewards credit cards.
  • Earn 0.75 Qantas points per $1 spent and 0.5 Qantas points per $1 for government spend.
  • No cap on the number of points you can earn.
  • Add up to 4 additional cards for family members or friends with no extra fee.
  • Complimentary Card Purchase Cover and Card Refund Cover.

Cons

  • There is a 3% foreign transaction fee.
  • Lacks complimentary travel insurance.
  • There is no access to a concierge service.

Overview

The basics

  • Additional cardholders. Get up to 4 additional cards for family and friends at no extra cost. Credit limits, repayments, and general account maintenance is the responsibility of the main account holder.
  • Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. This card cannot be used for gambling transactions.

Rewards and benefits

  • Complimentary travel insurance. This card does not have complimentary international travel insurance.
  • Concierge services. The Qantas American Express Discovery Credit Card does not come with access to a concierge service.
  • Insurances. Includes Card Refund Cover and Card Purchase Cover when you make an eligible purchase using your Qantas American Express Discovery Credit Card. Useful if you have purchased from a store that refuses a refund.
  • Rewards points. Cardholders can earn 1.75 Qantas points per $1 spent on eligible Qantas products and services, then 0.75 Qantas point per $1 spent on all other purchases. Spend with government bodies in Australia will earn 0.5 points per $1 spent. There is no cap on the amount of points you can earn.
  • Sign up bonus. There is no ongoing signup promo for this card as of the moment.

Rates and fees

  • Annual fee. This card has no annual fee, making it one of the select few cards to earn points with no annual fee to pay.
  • Balance transfers. There is no balance transfer offer on this card at this time.
  • Cash advances. Cash advances will be charged interest at the cash advance interest rate of 20.74% p.a. An additional one-off cash advance fee will be incurred.
  • Foreign exchange fee. All purchases made in a foreign currency — overseas or while shopping online at international stores — will incur a 3% foreign transaction fee.
  • Interest-free period. This card offers an interest-free period of up to 44 days on purchases — except for cash advances — if you have paid off your previous balance or made minimum required payments.
  • Purchases. The Qantas American Express Discovery Credit Card does not have an introductory offer on purchases. Purchases that are carried over from the previous statement will attract interest at 20.74% p.a. until repaid.