Qantas Money Credit Cards | Comparison

Qantas Money Credit Cards

Apply for a Qantas Money Credit Cards and earn Qantas points as you spend towards flights and upgrades. Apply online – it’s safe, secure and fast.

Receive up to 120,000 bonus Qantas Points when you spend at least $1,500 each month for the first 6 months.
Reduced annual fee of $199 p.a. in the first year ($299 p.a. thereafter).
0% p.a. for 18 months on balance transfers.
rewards program
earn rate
sign up bonus
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Qantas Premier Everyday Credit Card
Apply by 26 feb 20
Receive up to 25,000 bonus Qantas Points when you spend at least $1,000 each month for the first 5 months.
Reduced annual fee of $29 p.a. in the first year ($49 p.a. thereafter).
0% p.a. for 12 months on balance transfers.
More info
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Qantas Frequent Flyer
Qantas Frequent Flyer
0.75 pts
per $1 spent
up to $3,000
then 0.4 pts
per statement period
More info
25,000
points
after spend criteria
Qantas Premier Platinum Credit Card
Apply by 26 feb 20
Receive up to 120,000 bonus Qantas Points when you spend at least $1,500 each month for the first 6 months.
Reduced annual fee of $199 p.a. in the first year ($299 p.a. thereafter).
0% p.a. for 18 months on balance transfers.
More info
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Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
up to $10,000
then 0.5 pts
per statement period
More info
120,000
points
after spend criteria
Qantas Premier Titanium Credit Card
Apply by 26 feb 20
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.
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Qantas Frequent Flyer
Qantas Frequent Flyer
1.25 pts
per $1 spent
up to $12,500
then 0.5 pts
per statement period
More info
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Q&As about Qantas Money Credit Cards from customers

Why should I choose Qantas Money?

Lots of banks offer credit cards linked to the Qantas Frequent Flyer program, but since Qantas is the program operator you can expect Qantas Money credit cards to be right on the money when it comes to delivering what Qantas Frequent Flyers are looking for – high points earning rates, regular Qantas Points bonus offers for new cardholders, and associated travel perks like travel insurance and possibly Qantas lounge access and fare discounts. Qantas Money also has inside knowledge about travel because Qantas runs three airlines (Qantas, Jetstar and QantasLink), offers the Qantas Travel Money card and Qantas travel insurance, and partners with hotels and Airbnb.

What is Qantas Money?

Qantas Money is a collection of the financial offerings of Qantas to consumers, presented at the website qantasmoney.com. The offerings include Qantas credit cards (issued by Citigroup), a Qantas Travel Money card (a prepaid Mastercard issued by Heritage Bank), and the Qantas Money app (track bank accounts and credit cards, receive special offers from Qantas Mall to earn extra Qantas Points on purchases).

What type of credit cards does Qantas Money offer?

Qantas Money currently offers three credit cards:

  • The Qantas Premier Everyday Credit Card – lower Qantas Points earning rate, low annual fee, complimentary travel insurance
  • The Qantas Premier Platinum Credit Card – higher Qantas Points earning rate, higher annual fee, complimentary travel insurance and other travel perks
  • The Qantas Premier Titanium Credit Card – highest Qantas Points earning rate, highest annual fee, complimentary travel insurance and higher level of travel perks

Does it matter who I do my regular banking with?

No. Your credit card account is quite separate form 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.

Can I manage my credit card online?

Yes. You can manage your card by logging in to Qantas Money using your Qantas Frequent Flyer number, surname and PIN. After selecting your credit card and entering your password you can access account statements, payment details and notifications. The same facilities are available on your phone via the Qantas Money app.

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.

Will I earn Qantas points on all my credit card transactions?

No. Points are only earned on eligible purchase transactions. ‘Eligible purchase transactions’ excludes the following types of transactions, which will not earn 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 operating a business

Do I need to be a Qantas Frequent Flyer Member?

Yes. If you are not already a member, you will need to join the Qantas Frequent Flyer program so that the points you earn for card spending can be credited to your frequent flyer account, and so that you can access your card account online or via the Qantas Money app.

How do the Qantas points I earn get transferred to my Qantas Frequent Flyer account?

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 after an eligible purchase transaction has been processed, before the points appear in your Qantas Frequent Flyer account.

Is there any limit to the number of points I can earn in a single month or year?

No. There is no absolute cap on points, but each Qantas Money credit card does have a monthly spending threshold for purchases in Australia, beyond which the points earning rate declines. E.g. 1.0 points per $1 spent, up to $10,000 per monthly statement period, falling to 0.5 points per $1 spent after the first $10,000. Currently there is no threshold applied to overseas spending with the card.

Can I earn extra points for making purchases from Qantas itself?

Yes. All Qantas Money cards currently offer a higher points 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 and Qantas Club membership, joining and annual fees, Qantas Gift Vouchers, and purchases from qantasshop.com.au, qantasstore.com.au and qantasepiqure.com.au.

Do supplementary cardholders earn Qantas points?

Yes, but any points they earn will be credited to the Qantas Frequent Flyer account of the primary cardholder. Supplementary cardholder purchases cannot earn Qantas points for the supplementary cardholder’s own Qantas Frequent Flyer account.

What can I redeem Qantas Points for?

Qantas Points can be redeemed for award seats and seat upgrades on Qantas and its partner airlines. They can also be redeemed for gift cards, movie and other entertainment vouchers, and merchandise from the Qantas Rewards Store.

Do Qantas Points expire?

Qantas Points do not expire provided you earn or use points at least once every 18 months.

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

What are the eligibility requirements for a Qantas Money credit card?

You need to be an Australian citizen or permanent resident with a good credit history, aged at least 18 and earning at least $35,000 per year (but at least $200,000 a year for the Qantas Premier Titanium Credit Card only). You also need to be a Qantas Frequent Flyer member.

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