Qantas American Express Discovery Credit Card

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Qantas American Express Discovery Credit Card


  • Earn 1.75 Qantas Points on eligible Qantas products and services.
  • 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.
  • $0 Annual Fee.
  • Up to 4 Additional Cards for family members or friends with no extra fee.

Pros and cons


  • $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.


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

Our review


Customer service

Rates and fees



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 Points per $1 spent on all other purchases. Spend with government bodies in Australia will earn 0.5 Qantas Points per $1 spent. While most everyday spending won't hit the 1:1 earn rate, this is offset by there being no cap on the number of Qantas Points you can earn with the card over a year.
  • Sign-up bonus. There is no ongoing signup promo for this card at the moment.

Rates and fees

  • Annual fee. This card has $0 Annual Fee, making it one of the select few cards to earn Qantas 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 23.99% 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 currently does not offer an introductory interest rate. Instead, a standard purchase interest rate of 23.99% per annum applies to all eligible transactions.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees



Great rewards and no fees

Reviewed by Grant

This is a great card with a decent rewards program that links with my Qantas Frequent Flyer account. Every now and then you get great offers on your card to use in a variety stores. I like the Small Business Saturday promotions they have, supporting and encouraging shopping at small businesses. The best thing is that this card costs nothing and a supplementary card is also free.

Be treated as a VIP with American Express

Reviewed by Fiona

With the Qantas American Express Discovery Credit Card I’ve had exclusive access to lounges and bars before shows or during varying entertainment events, by showing my American Express card.

Also with pre-registration of my details and my card details with designated companies, I have access to redeeming credit-back offers.

All enquiries at American Express are dealt with very professionally. I’m always treated like a VIP with American Express.


Excellent card with no fees

Reviewed by Vivian

An excellent card, easy to apply for an obtain, accepted everywhere with absolutely no fees and charges. There’s an added perk of 0.5 points per dollar in Qantas Frequent Flyer points.

It’s a very good card for daily use as well as when travelling domestically and internationally. I would highly recommend this card as it has a substantial credit limit.

No annual fee and great rewards

Reviewed by Thomas

This card has no annual fee and great rewards. It has been around for ages.

Although it’s not accepted too widely, I do get by. It would be great if vendors stopped charging their ridiculous fees, but I make sure I let them know my opinion and walk out without buying. AmEx needs to do something about them.

Rewards card with no fee, but not widely accepted

Reviewed by Jumbo

I am very pleased with the card itself. There’s absolutely no annual fee, and upon the first $300 and Qantas purchase, you get 5000 and 2500 extra points.

Although the earning rate is only 1 point per dollar, not as high as other AmEx cards, I don’t have too much complaint about that.

The only drawback is that the AmEx card is not that widely accepted, and many merchants charge a surcharge for it. So I tend to use this card along with a Visa/MasterCard.

Fantastic for quickly increasing air miles

Reviewed by Teneka

It’s a great card because you can use it at nearly all shopping outlets. PayWave is included. It’s fantastic for quickly increasing the air miles.

The cost can be high, but you pay for the good customer service and peace of mind of using a well-known and easy-to-deal-with brand. I would easily recommend it as an entry-level point builder.

Awesome rewards, no fees

Reviewed by Brad

It’s a great card with no annual fees. You get a bunch of cashback offers almost monthly, with great savings at a variety of retailers, and Qantas Frequent Flyer points with every purchase.

Whenever I’ve had to deal with customer service, the experience has been very impressive — can’t complain at all. If you haven’t already applied, do yourself a favour because there is no reason not to get this card.

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