American Express Qantas Discovery Card
20.74% p.a.
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
Qantas Frequent Flyer
American Express Qantas Discovery Card
20.74% p.a.
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
Qantas Frequent Flyer
20.74% p.a.
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
Qantas Frequent Flyer
Mozo Review American Express Qantas Discovery Card Review
Last updated: 18 October 2018.
What's hot:
Mozo Experts Choice Award 2018
No annual fee
No cap on points
Earn up to 2 Qantas Points per $1 on eligible purchases
What's not:
20.74% purchase rate
1% balance transfer fee
Mozo snapshot:
Taking out a 2018 Mozo Experts Choice Award for Best Qantas Frequent Flyer Credit Card, the Qantas American Express Discovery credit card is a stand-out in the world of rewards credit cards with no annual fee and lots of rewards benefits. Earn 1 Qantas Point every time you spend $1 on everyday purchases and 1 additional bonus point for every $1 spent on selected Qantas products and services - that means you could potentially earn up to 2 points for every $1 you spend on eligible purchases.
Key features:
The Qantas Discovery card, from 2018 Mozo Experts Choice Credit Card Provider of the Year American Express, has a high interest rate of 20.74%. But this credit card doesn't have an annual fee and you'll get 44 days interest free, so long as you pay your balance off in full every month. The Qantas American Express Discovery card comes with top Amex benefits like fraud, purchase and refund protection, plus global customer service.
You can also earn 1 Qantas Point for every $1 spent on purchases, plus an extra 1 point per $1 if you're spending on Qantas products. That means regular Qantas shoppers are in luck, since they have the opportunity to earn up to 2 points for every $1 they spend on eligible purchases. The exception to these rules is spends at government bodies in Australia, where you'll only earn 0.5 Qantas Points per $1 spent.
And the best news for rewards lovers? There's no cap on points.
If you've got debt that you want to transfer over to save on interest repayments the American Express Discovery card has a 0% offer for 12 months, but it also comes with an upfront 1% credit establishment fee.
Who it's good for:
If you simply want a low maintenance rewards credit card and plan to pay off your balance in full each month, the Qantas American Express Discovery Card would suit you perfectly. The minimum income requirement of $35,000 is not too steep and points are automatically credited to your Qantas Frequent Flyer account, so you don't have to worry about keeping track of rewards points.
Any catches?
With a high interest rate of over 20% this is not a credit card to carry debt on. Be sure to set up those automatic payments or you'll find a $30 late payment fee added to your statement.
Rewards program details
Rates and fees information correct as at 19 October 2018.
What your points get you
Fly Sydney to London
120,000 points
Fly Sydney to Melbourne
8,000 points
$100 Giftcard
16,160 points
$100 Cash
-
Points earning
1 point per dollar on Amex, uncapped
Rewards scheme
Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.
Earn 0.5 Qantas Points for Government charges. Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
Value of rewards points
Spend $16,160 (AmEx)
Spend $8,000 (AmEx)
Spend $120,000 (AmEx)
Uncapped
Never
How do we calculate these points?
How do we calculate the rewards?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
Rate and fee details
Rates
-
20.74% p.a.
-
none
-
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
-
no
-
none
-
44
Fees
-
$0.00
-
none
-
none
-
none
-
$30.00
-
none
-
3.00%
-
$10.00
-
$7.00
-
$0.00
Features
-
$30.00
-
2.5
-
up to 4
-
The maximum balance transfer that can be approved is $10,000 or 70% of approved credit limit, whichever is less.
Payment options
Apple Pay, Google Pay, Samsung Pay
Rewards privileges
Purchase Protection,
Account alerts by SMS
Customer Reviews
How are American Express credit cards rated by the Mozo community?
Latest reviews of American Express Qantas Discovery Card
- Overall4/10
Good benefits, Bad customer service
The card itself is good value with the Qantas frequent flyer points, and there are a lot of...
Read full review
The card itself is good value with the Qantas frequent flyer points, and there are a lot of benefits with partners and tickets. The only downside is the customer service. On multiple occasions I've had really horrid experiences with Amex's phone customer service. The most recent occasion was after having a wallet stolen and wanting to cancel the card and get another, the phone operator was completely unsympathetic, rude and ended up hanging up on me when I asked to speak to somebody else.
Price3/10Features-Customer service-Convenience-Trust-Less
Ebony | New South Wales
reviewed 11 months ago
- Overall8/10
Great
Interest is really high. But a good company
Read full review
Interest is really high. But a good company
Price3/10Features7/10Customer service8/10Convenience8/10Trust8/10Less
Courtney | Victoria
reviewed over 2 years ago
- Overall9/10
Very convenient, easy to sign up and easy to use
Very convenient, easy to sign up and easy to use app
Read full review
Very convenient, easy to sign up and easy to use app
Price10/10Features10/10Customer service8/10Convenience7/10Trust10/10Less
Tom | New South Wales
reviewed over 2 years ago
- Overall9/10
Great product - if only it worked everywhere
Great product but, as always, American Express cards are only accepted in some locations. Makes...
Read full review
Great product but, as always, American Express cards are only accepted in some locations. Makes it inconvenient. Overall the Apple Pay feature makes it totally worthwhile.
Price10/10Features10/10Customer service7/10Convenience6/10Trust9/10Less
Sapna | New South Wales
reviewed over 2 years ago
- Overall9/10
They make me actually feel like a valued customer.
I've been an AMEX customer for a long time and have both a credit and charge card with them. The...
Read full review
I've been an AMEX customer for a long time and have both a credit and charge card with them. The best thing about AMEX is that they don't operate like other banks. For example, I accidentally paid another card I had with them that had a zero balance by mistake which meant I missed the payment date for current card. Instead of slapping me with a missed payment charge, they called me to check everything was OK and then saw what I had done and transferred that balance to the card I was supposed to pay.
Price7/10Features8/10Customer service9/10Convenience8/10Trust10/10Less
Mike | New South Wales
reviewed almost 3 years ago
About American Express
American Express is a global mega provider of credit cards, including gold cards, platinum cards, charge cards and more. With American Express, you can find a credit card to suit your lifestyle, tastes and aspirations. If you're a rewards points junkie, be sure to check out the hugely popular American Express rewards programs, including Qantas Frequent Flyer points and Qantas Club rewards.
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