NAB Qantas Gold Credit Card

• Maximise your Qantas Frequent Flyer points from everyday purchases to get the rewards you deserve faster.
• Use your Qantas Frequent Flyer points on a wide range of rewards including flights, vouchers, merchandise and more in the Qantas Frequent Flyer program.
• Each NAB Qantas Gold Card account comes with two cards: a NAB Qantas Gold American Express® Card for maximum points earning and either a NAB Qantas Visa Gold Card or NAB Qantas Gold MasterCard® Card for added worldwide acceptance.
• Earn 2 QFF points per $2 spent up to first $3,000 on Amex. Earn 2 QFF points per $3 spent up to first $3,000 on MasterCard. There's a points cap after the first $10,000.
• Additional cardholder at no extra cost
• The balance transfer rate will revert to the purchase rate at the end of the balance transfer period.
• Read the terms and conditions

• Cheap balance transfer for 6 months.
• Free membership enrolment into the Qantas Frequent Flyer Program saving you $82.50.
• Overseas travel insurance.
• Big annual fee.
• Qantas points earning potential is capped at $10,000 per month.

How does the NAB Qantas Gold Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	NAB Qantas Gold Credit Card	19.99%	21.74%	$145.50	4.99%	6 months
	The Average Credit Card	17.17%	21.04%	$95	3.04%	7 months

You can transfer from:



• ANZ
• Aussie
• Bank of Melbourne
• Bank of Queensland
• Bank SA
• Bankwest
• Citibank
• Coles
• Commonwealth Bank
• HSBC
• St.George
• Suncorp
• Virgin
• Westpac
• Woolworths

You cannot transfer from:



• NAB

For people starting their quest for Qantas frequent flyer points, want to get free membership into the Qantas Frequent Flyer Program and get basic travel insurance coverage with their credit card, then the NAB Gold Qantas Credit Card is worth considering.

Pros
Overseas travel insurance comes free with this card. You can become a member of the Qantas Frequent Flyer Program for free which will save you $82.50 plus NAB’s offer gives you accelerated points earning for a short period of time. Additional cardholders don’t cost anything and if you go over your credit limit there’s no overlimit fee to dread. The ‘two cards, one account’ setup is ideal because whilst you use the MasterCard for everyday purchases you can whip out the Amex for bigger purchases and get the better points earning rate.

Cons
The annual fee is a slugger and like the basic NAB Qantas Credit Card the accelerated points earning potential is restricted on two fronts: it ends in September and secondly the points earning potential is capped at $10,000 per month which for some heavy users may be a problem.

Conclusion
The NAB Gold Qantas Credit Card is a good frequent flyer credit card best suited for first timers to Qantas who want a higher monthly points cap and some of the extra protections offered by the travel insurance.