Compare Qantas Money Credit Cards

Compare Qantas Money credit cards and make an informed decision. Review their key features, rates, and fees before applying.

By   |   Updated 12 Mar 2024

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Comparing Qantas Money credit cards

Qantas Premier Platinum Credit Card

On website

Apply by 1 May 2024

Qantas Premier Platinum Credit Card

Highlights

  • Get up to 80,000 bonus Qantas Points. Get 60,000 bonus Qantas Points upon spending $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 20,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
  • Benefit from 0% on Balance Transfer for 12 months with no Balance Transfer fee. Returns to Cash Advance rate thereafter. No interest-free days are applicable on retail purchases with an outstanding balance transfer.
  • Benefit from the reduced annual fee of $349 p.a. for the initial year. An ongoing annual fee of $399 p.a. is applicable in the 2nd year.

Pros

  • Earn up to 80,000 bonus Qantas Points when you meet the criteria.
  • 0% p.a. for 12 months on balance transfers.
  • Additional savings with the $349 first-year annual fee.
  • Comes with complimentary travel insurance.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
Qantas Premier Everyday Credit Card

On website

Apply by 10 April 2024

Qantas Premier Everyday Credit Card

Highlights

  • Receive a potential boost of 8,000 bonus Qantas Points upon successful application by April 10, 2024. Gain 2 bonus Qantas Points for every $1 spent on qualifying purchases within 4 months post-card approval. Applicable Terms and Conditions.
  • Enjoy a modest annual fee of $49.
  • Benefit from a 0% p.a. rate for 12 months on balance transfers, which then transitions to the Cash Advance Rate.

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.
Qantas Premier Titanium Credit Card

On website

Qantas Premier Titanium Credit Card

Highlights

  • Acquire 150,000 bonus Qantas Points upon reaching a $5,000 expenditure within 90 days of card approval.
  • Experience a 20% bonus on Status Credits for Qantas operated and marketed flights.
  • Distinguish yourself with this metal card, setting you apart from conventional plastic cards.

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.

Qantas Money, a branch of the Qantas Airways group, provides products like the Qantas Premier Credit Cards and the Qantas Travel Money Card, along with a specialized app for management. While Qantas Money is affiliated with Qantas Airways, its credit cards are issued byNAB, andHeritage Bank issues the travel money card. Opting for any Qantas Money card allows non-members to join the Qantas Frequent Flyer program without the standard fee of $99.50, offering a complimentary membership.

Benefits of Qantas Money Credit Cards

  • Qantas Points earning: Qantas Money credit cards allow cardholders to earn Qantas Points on eligible purchases, helping them accumulate points faster.
  • Frequent Flyers: These cards are directly linked to the Qantas Frequent Flyer program, enabling seamless redemption of earned points.
  • Travel rewards: Cardholders can redeem their accumulated points for flights, flight upgrades, lounge access, hotel stays, and more.
  • Complimentary insurances: Some Qantas Money credit cards may offer complimentary travel insurance or purchase protection, enhancing the overall cardholder experience.
  • Exclusive offers: Cardholders may access exclusive offers, discounts, and perks through the Qantas Money platform.
  • Contactless payment: Many Qantas Money credit cards feature contactless payment technology for added convenience and security.

Eligibility criteria for Qantas Money credit cards

  • Income requirements: Each Qantas Money credit card may have specific minimum income requirements that applicants must meet.
  • Credit history: A good credit history is usually necessary to approve a Qantas Money credit card.
  • Residency: Applicants typically must be Australian residents or have appropriate visas to apply for these cards.
  • Age: The minimum age requirement for primary cardholders is usually 18 years old.
  • Other criteria: Additional criteria such as employment status, financial stability, and repayment ability may also be considered.

How to apply for a Qantas Money credit card

  1. Compare cards: Review the Qantas Money credit card options to find the one that best suits your lifestyle and spending habits.
  2. Check eligibility: Ensure you meet the eligibility criteria for the selected card before starting the application process.
  3. Online application: Visit the Qantas Money website or a participating financial institution's website to apply online.
  4. Provide details: Fill out the application form with accurate personal, financial, and contact information.
  5. Submit documents: Upload documents such as proof of identity, income, and address to support your application.
  6. Wait for approval: The approval process may take some time, after which you will be notified of the outcome.
  7. Activate card: Once approved, activate your card per the instructions provided before you can use it.

Managing your Qantas Money credit card

  • Online account: Register for an online account with Qantas Money to manage your card, view transactions, pay bills, and track your rewards.
  • Payment options: Set up automatic payments or reminders to ensure timely repayment of your credit card bills.
  • Reward redemption: Explore the various ways to redeem your earned Qantas Points for maximum value, such as flight bookings, upgrades, or merchandise.
  • Customer support: Contact Qantas Money's customer service for any queries, assistance, or to report lost or stolen cards.

Help choosing a Qantas Money credit card

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

  • FAQs

  • Pros & cons

What is the earning rate of Qantas Points on Qantas Money credit cards?

The earning rate of Qantas Points varies depending on the specific Qantas Money credit card you hold. Typically, you can earn points on eligible purchases made using the card.

Are there annual fees associated with Qantas Money credit cards?

Yes, most credit cards from Qantas Money have annual fees. The annual fee amount and any waivers or discounts are mentioned in the card's terms and conditions.

Can I use my Qantas Points for purposes other than travel?

Yes, besides travel-related redemptions, Qantas Points earned through Qantas Money credit cards can often be redeemed for a variety of rewards, including merchandise, gift cards, and more.

Is there a minimum spend requirement to earn bonus Qantas Points with these credit cards?

Some Qantas Money credit cards may have minimum spend requirements to be eligible for bonus Qantas Points. Check the specific terms and conditions of your card for details.

Do Qantas Money credit cards offer complimentary insurances?

Certain Qantas Money credit cards may come with complimentary insurances, such as travel insurance or purchase protection. Be sure to read through the card features and benefits to understand what insurances are included.

Pros

Rewards program

Qantas Money Credit Cards offer a robust rewards program where you can earn Qantas Points on your everyday purchases, which can be redeemed for flights, upgrades, and more.

Travel perks

Cardholders can enjoy various travel perks such as complimentary travel insurance, lounge access, and priority boarding when flying with Qantas.

Bonus points

There are often promotions offering bonus points upon signup or meeting specific spending requirements, allowing you to accumulate points faster.

Partner benefits

Qantas Money Credit Cards often come with partner benefits, including discounts on hotels, car rentals, and experiences, enhancing your travel experience further.

Mobile app

Qantas Money's mobile app provides convenient access to manage your account, track your spending, and redeem rewards on the go.

Cons

Annual fees

Some Qantas Money Credit Cards come with annual fees that can be higher compared to other credit cards, potentially offsetting the value of the rewards earned.

Interest rates

The interest rates on Qantas Money Credit Cards can be relatively high, especially for those carrying a balance, leading to increased costs over time.

Limited acceptance

While widely accepted in Australia, Qantas Money Credit Cards may have limited acceptance internationally compared to other major credit card providers.

Redemption restrictions

Redeeming Qantas Points for flights can be subject to availability and blackout dates, limiting flexibility in using earned rewards.

Foreign transaction fees

Qantas Money Credit Cards may charge foreign transaction fees when used overseas, which can add up significantly for frequent international travelers.