Qantas Money credit cards

Compare features, rates, and fees to make an informed decision about applying for a Qantas Money credit card.

By Yvonne Taylor | Verified by David Boyd | Updated 10 Mar 2023

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Comparing Qantas Money credit cards

Compare

Apply by 31 May 2023

Qantas Premier Platinum Credit Card

Balance transfer

18 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$249.00 for 1st year

Highlights

Earn up to 80,000 bonus Qantas Points. Receive 60,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months from card approval. Plus an additional 20,000 bonus points if you have not earned Qantas Points with a credit card in the last 12 months. Terms and Conditions apply.
Enjoy 0% on Balance Transfer for 18 months with a 1% Balance Transfer fee. Reverts to Cash Advance rate, thereafter. No interest-free days apply on retail purchases while you have a balance transfer.
Save with the reduced annual fee of $249 p.a. for the first year. An ongoing annual fee of $299 p.a. applies in the 2nd year.

Pros

Earn up to 80,000 bonus Qantas Points when you meet the criteria.
0% p.a. for 18 months on balance transfers.
Additional savings with the $249 first-year annual fee ($299 p.a. thereafter).
Comes with complimentary travel insurance.

Cons

There is a 1% balance transfer fee.

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Offer extendedApply by 26 April 2023

Qantas Premier Everyday Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

Earn up to 8,000 bonus Qantas Points when you apply and get approved by 26 April 2023. 2 bonus Qantas Points will be awarded per $1 spent on eligible purchases within 4 months of card approval. Terms and Conditions apply.
Low annual fee of $49 p.a.
0% p.a. for 12 months on balance transfers. Reverts to the Cash Advance Rate thereafter.

Pros

Earn up to 8,000 bonus Qantas Points when you meet the criteria.
The low annual fee of $49 p.a.
Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period.
Comes with complimentary overseas travel insurance.

Cons

There is a 3% foreign transaction fee.

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Qantas Premier Titanium Credit Card

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$1,200.00 p.a. ongoing

Highlights

Receive 150,000 bonus Qantas Points when you spend $5,000 within 90 days from card approval.
Enjoy 20% bonus Status Credits on Qantas operated and marketed flights.
Be unique by holding this metal card unlike other cards issued in plastic.

Pros

A very substantial sign up bonus with a reasonable spending target.
Earn Status Credits when you buy eligible Qantas flights with the card.
A high Qantas Points earn rate.
Four Qantas airport lounge passes each year.
Comes with complimentary domestic and international travel insurance.
The physical card is made of metal.

Cons

The annual fee is on the high end.
No free additional cardholders.
Ongoing interest rates are typical of a rewards card.

More about Qantas Money credit cards

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

FAQs

Are there other benefits attached to a Qantas Money credit card, besides earning Qantas Points?

Yes. Depending on which card you have, you may receive some of the following complimentary benefits:

Bonus Qantas Points for new cardholders;
Travel insurance;
Single-entry passes to Qantas airport lounges;
Discounted fares for your travelling companions;
An interest-free period on Qantas purchases;
Qantas Premier Concierge service;
Bonus frequent flyer status credits on Qantas flight purchases;
An interest-free period on balance transfers.

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.

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.

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 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.

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.

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.

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.