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

Mozo Review   American Express Qantas Discovery Card Review

Last updated: 31 July 2019.

What's hot:
  • Mozo Experts Choice Award 2018

  • No annual fee

  • 0.75 Qantas Points per $1 on regular spends

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 0.75 Qantas Points 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 1.75 points for every $1 you spend on eligible purchases.

Key features:

The Qantas American Express 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.

When it comes to earning rewards points, there's no cap on your points earning power and you can earn:

 - 0.75 Qantas Point per $1 on regular spends (except on spends with government bodies, where you'll earn just 0.5 points per $1 spent)

 - An extra 1 Qantas Point per $1 if you're spending with Qantas in Australia

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. Plus, keep in mind any new purchases you make while paying of a balance transfer card won't get the benefit of interest free days.


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 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,040 points

$100 Cash

-

Points earning

0.75 points 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 per $1 spent at government bodies, earn 1.75 Qantas Points per $1 spend on selected Qantas products and services.

Value of rewards points

Spend $24,053 (AmEx)

Spend $10,667 (AmEx)

Spend $147,200 (AmEx)

Uncapped

Never

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.

Close

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. If you pay your Balance Transfer over time, an interest-free period will not apply to your purchases.

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?

Overall customer rating
6.6/10
Price
5.5/10
Features
6.8/10
Customer service
6.8/10
Convenience
5.8/10
Trust
7.0/10

Latest reviews of American Express Qantas Discovery Card

  • Overall
    9/10
    Easy to use

    Very easy to use. Sometimes I feel that my card is not secure

    Very easy to use. Sometimes I feel that my card is not secure

    Price
    9/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    10/10

    Mere | New South Wales

    reviewed 5 days ago

  • Overall
    6/10
    Good service

    I like it because they have good service.

    I like it because they have good service.

    Price
    3/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    6/10
    Trust
    5/10

    Veronica | Western Australia

    reviewed 11 days ago

  • Overall
    4/10
    Good benefits, Bad customer service

    The card itself is good value with the Qantas frequent flyer points, and there are a lot of...

    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.

    Price
    3/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Ebony | New South Wales

    reviewed almost 2 years ago

  • Overall
    8/10
    Great

    Interest is really high. But a good company

    Interest is really high. But a good company

    Price
    3/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10

    Courtney | Victoria

    reviewed over 3 years ago

  • Overall
    9/10
    Very convenient, easy to sign up and easy to use

    Very convenient, easy to sign up and easy to use app

    Very convenient, easy to sign up and easy to use app

    Price
    10/10
    Features
    10/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    10/10

    Tom | New South Wales

    reviewed over 3 years ago

American Express

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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0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

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$129 $64 in the first year

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$129 $64 in the first year

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19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

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