Qantas Money Credit Cards

Comparing of 3 Qantas Money credit cards

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Qantas Premier Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$349.00 for 1st year

Highlights

Earn up to 80,000 bonus Qantas Points. Get 50,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 30,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
Get 0% interest on balance transfers for 12 months with a 2% fee, reverting to the cash advance rate afterward.
The annual fee is reduced to $349 for the first year, then increases to $399 p.a. thereafter.

Pros

Earn up to 80,000 bonus Qantas Points when you meet the criteria.
Earn 1.5 points per $1 on international transactions and 1 point on domestic spending.
An additional 1 point per whole $1 on selected Qantas products and services.
Comes with complimentary travel insurance (cover for Covid-19 included).
Get 2 complimentary lounge access every year.
Save up to 20% off each year on select Qantas and QantasLink flights within Australia when you book through Qantas Premier Concierge.
Compatible with Apple Pay and Google Pay.
Safeguard your identity with Mastercard ID Theft Protection™.

Cons

The annual fee increases to $399 p.a. after the initial year.
Additional card fee costs $50 p.a.
There is a 2% balance transfer fee.

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Qantas Premier Everyday Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$99.00 p.a. ongoing

Highlights

Earn up to 8,000 bonus Qantas Points upon successful application. Get 2 bonus Qantas Points for every $1 spent on eligible purchases within 4 months from card approval. Terms and Conditions apply.
Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period.
Comes with complimentary travel insurance (cover for Covid-19 included).
Get 0% interest on balance transfers for 12 months with a 2% fee, reverting to the cash advance rate afterward.

Pros

Earn up to 8,000 bonus Qantas Points when you meet the criteria.
The $99 annual fee keeps the cost manageable.
Receive 1 point per $1 spent on International transactions.
No cap on the number of points you can earn.
Earn extra Qantas Points when shopping at participating stores with your Qantas Premier Everyday Credit Card, helping you collect points faster.
Get help from a dedicated concierge for travel tips, shopping info, tickets to events, and more.
Medical and travel assistance
Safeguard your identity with Mastercard ID Theft Protection™.
It works with Apple Pay and Google Pay.

Cons

Earning points drop to 0.40 per $1 after spending $3,000 in a statement period.
There is a 2% Balance Transfer fee.
Foreign transactions incur a 3% fee.

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Qantas Premier Titanium Credit Card

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$1,200.00 p.a. ongoing

Highlights

Get 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 3 months from card approval. Terms and Conditions apply.
Earn up to 1.25 Qantas Points per $1 on domestic purchases, up to $12,500 per statement period.
Includes 2 Qantas First Lounge invitations, plus 2 additional Lounge Invitations per year for a premium airport experience.
Get a 10% discount on the base fare of eligible Qantas flights for up to 2 adults, 2 children, and 2 infants per booking, twice per anniversary year.
Get a 20% bonus Status Credit on eligible flights.

Pros

It offers a very substantial sign-up bonus with a reasonable spending target.
Receive 2 points per $1 spent on International transactions.
Receive 2 additional Qantas Points per $1 spent on Qantas flights.
Comes with complimentary domestic and international travel insurance.
Get help from a dedicated concierge for travel tips, shopping info, tickets to events, and more.
Includes a complimentary Qantas Wine Premium membership, offering access to curated wines, champagne, and spirits, along with the chance to earn extra Qantas points.
Own a sleek metal card that stands out from traditional plastic options.
Compatible with Apple Pay and Google Pay.

Cons

The annual fee is higher, but with the included benefits, it could be worth the cost.
There’s a $100 fee for adding cardholders.
Earning points drop to 0.50 per $1 after spending $12,500 in a statement period

More about Qantas Money credit cards

Answers for common questions and helpful insight into the key benefits from our experts.

FAQs

Can you have a Qantas Money credit card without switching bank?

Yes. Your credit card account is separate from your normal banking arrangements. You can continue to do your everyday banking with your current bank and pay off your Qantas Money credit card balance using BPAY, direct debit, or Australia Post.

How do I earn Qantas Points with a Qantas Money credit card?

When you make retail purchases with your Qantas Money credit card you will earn the card’s specified number of points per dollar spent. For example, if you card has a rate of 1.0 Qantas Points per whole dollar spent, and you make a purchase totalling $78.50, you would earn 78 Qantas Points for that transaction.

Do Qantas Money credit cards earn Qantas Points with every transaction?

No. Qantas Points are only earned on eligible purchase transactions. The following types of transactions are excluded from earning Qantas Points:

Cash transactions, such as balance transfers and cash advances;
Cash equivalents, such as purchases of foreign currency or traveller’s cheques;
Account fees and interest charges;
Payments made by BPAY;
Government-related transactions, such as payments to the ATO, Australia Post, local government rates, tolls, parking meters, public transport fares, fines;
Transactions made in the operation of a business.

How are Qantas Points transferred from Qantas Money to Qantas Frequent Flyer?

When applying for the card you need to supply your Qantas Frequent Flyer membership number. At the end of each monthly billing cycle, the number of Qantas Points earned during that month will be shown on your card statement. It can take up to 60 days for Qantas Points to appear in your Qantas Frequent Flyer account.

Do Qantas Money cap how many Qantas Points can be earned in a single month or year?

Each Qantas Money credit card has a monthly spending threshold for purchases in Australia, beyond which the earning rate declines, e.g. 1.0 Qantas Points per $1 spent up to $10,000 per monthly statement period, dropping to 0.5 Qantas Points per $1 spent after. A separate threshold may apply to spending on Qantas flights and services or when made overseas.

Do Qantas Money reward spending with Qantas with extra Qanta Points?

Yes. All Qantas Money cards typically offer a higher earning rate for Qantas Money credit card purchases of Qantas flights booked directly through Qantas and selected travel agents, and for purchases of Qantas Frequent Flyer or Qantas Club membership, joining and annual fees, Qantas Gift Vouchers, and purchases from qantasshop.com.au, qantasstore.com.au, and qantasepiqure.com.au.

Do additional Qantas Money cardholders earn Qantas Points?

Yes, but any Qantas Points they earn will be credited to the Qantas Frequent Flyer account of the primary cardholder. Purchases made by additional cardholders do not earn Qantas Points for the additional cardholder.