Qantas American Express Discovery Credit Card | Review

Qantas American Express Discovery Credit Card

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
Qantas American Express Discovery Credit Card
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.
Earn 1 additional Qantas Point per $1 spent on eligible Qantas products and services.
Pay no annual card fee.
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
0.75 pt
per $1 spent
-

Pros & cons

What's good?

What's not so good?

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.
Earn 1 additional Qantas Point per $1 spent on eligible Qantas products and services.
Pay no annual card fee.
Global card support.
Purchase and refund protection.
No points capping.
No signup bonus points.
High 20.74% p.a. interest rate on purchases.
Longer interest free periods are available than 'Up to 44 days on purchases’.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.6 out of 5.0 based on 7 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Awesome rewards, no fees

Reviewed and recommended by Brad on 08 Dec 2016

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.

Fantastic for quickly increasing air miles

Reviewed and recommended by Teneka on 05 Dec 2016

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.

Rewards card with no fee, but not widely accepted

Reviewed and recommended by Jumbo on 25 Sep 2016

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.

No annual fee and great rewards

Reviewed and recommended by Thomas on 22 Sep 2016

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.

Excellent card with no fees

Reviewed and recommended by Vivian on 21 Sep 2016

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.

Be treated as a VIP with American Express

Reviewed and recommended by Fiona on 30 Aug 2016

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.

Great rewards and no fees

Reviewed and recommended by Grant on 02 Jul 2016

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.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
American Express
Card use
Personal
Credit rating
No bad credit history
Gambling transactions allowed
No
Joint application
N/A
Minimum age
18 years old
Minimum income
$35,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
Qantas Frequent Flyer
Temporary residents
Long Term Visa (12 months or more; Student Visa is excluded)

Cardholders

Additional cardholders
4
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$100,000

Repayments

Interest charged from
Statement date
Interest free period
Up to 44 days on purchases
Minimum repayment
2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 1.73% 20.74% p.a.

Fees

Annual fee
$0 p.a.
Cash advance fee
N/A
Dishonour fee
$6
Duplicate statement fee
$10
Foreign exchange fee
3%
Late payment fee
$30
Over limit fee
$30
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
$7

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
N/A
Reward points expiry
Never as long as you keep your account active
Rewards program
Qantas Frequent Flyer
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
0.75 pt per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
0.5 pts per $1 spent
Reward points
0.75 pt per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
No

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $35,000 per year
Have no history of bad credit
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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