6.4 / 10

based on 18 reviews as rated by Mozo community

Qantas Money credit cards

If you’re a globetrotter who loves stacking up frequent flyer points, then you’ll be excited to learn that Qantas now has its own branded credit card option, dubbed the Premier Mastercard. With plenty of travel rewards on offer, this piece of plastic from Qantas Money is definitely worth a look. In fact, in 2020 this provider took home two 2020 Mozo Expert Choice Awards for Rewards Credit Cards. 

What are the benefits of the Qantas Premier Mastercard?

Rates and fees verified as correct at 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

55

Rewards credit cards

Love racking up a stack of rewards points with your credit card spend? The Premier Mastercard not only comes with a great points earn rate, but also a tonne of other freebies and a generous bonus points offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Go to site

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

Prestige cards

Add a little bit of luxury to your spend, with the complimentary travel insurance, 24/7 concierge service, and two free annual airport lounge invitations on offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Go to site

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

Frequent flyer credit cards

As the very first credit card offering directly from Qantas, the Premier Mastercard is built for frequent flyers. Your points earn will go directly to your frequent flyer account, plus cardholders will enjoy heaps of other travel perks, like exclusive discounts on flights.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

Go to site

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Qantas Money credit cards

What is the interest free period?

You’ll have up to 55 interest free days to pay off purchases made on your new Qantas credit card. Just remember, you’ll only get these days if you pay your balance off in full the previous month.

What fees might I be charged?

First things first, there’s an annual fee to contend with. Other fees you may run up against include late payment fees, cash advance fees and a fee for adding an additional card to your account.

What’s the minimum repayment amount I must make?

You’ll need to make a minimum repayment each month and the amount will be listed on your credit card bill. With Qantas Money, this will be either $30 or 2% of your total balance, whichever is greater.

What rewards will I earn?

Where do we start? There are a bunch of rewards points up for grab when you spend with your Qantas card, plus a generous bonus point offer.

You can also snag freebies like a concierge service to help you book things like event or flight tickets, complimentary travel insurance and two free airport lounge passes annually.

Can I use this card for a balance transfer?

Absolutely! You can take advantage of the balance transfer offer on the Premier Mastercard to pay off any lingering credit card debt without getting slugged by any interest.

The important thing is to have a plan in place for paying off your entire balance before the 0% interest period is up - otherwise, any remaining debt will start to attract interest at the higher cash advance rate.

Will my Premier Mastercard work anywhere in the world?

Yep. As a Mastercard option, your new Qantas credit card will work pretty much anywhere in the world.

Can I use PayPass with my Qantas Money credit card?

Sure can. For purchases under $100, you can tap ‘n’ go, making your day that much easier.

How are Qantas Money credit cards rated?

Mozo users have rated Qantas Money credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Qantas Money credit cards
Overall
6.4/10
Price
Features
Customer service
Convenience
Trust

18 Reviews

Recent Qantas Money credit card reviews

Qantas Money Qantas Premier Platinum review
Overall 7/10
Great for points, online needs improvements

The card allows you to build up more Qantas points than any other card. Which is great for family holidays. The one things we have struggled with regarding the online service is that both card holders can't view all transactions made on the account. Only the "Primary" card holder can view all transactions on the online account and other account holders can then only view their account transactions not all transactions, which is very useful.

Read full review

The card allows you to build up more Qantas points than any other card. Which is great for family holidays. The one things we have struggled with regarding the online service is that both card holders can't view all transactions made on the account. Only the "Primary" card holder can view all transactions on the online account and other account holders can then only view their account transactions not all transactions, which is very useful.

Price
7/10
Features
8/10
Customer service
8/10
Convenience
7/10
Trust
8/10
Less
Nicole, Queensland, reviewed about 2 months ago
Qantas Money Qantas Premier Everyday review
Overall 8/10
Good rewards card.

Good rewards card with cheap yearly fee.

Read full review

Good rewards card with cheap yearly fee.

Price
7/10
Features
7/10
Customer service
8/10
Convenience
9/10
Trust
8/10
Less
Ryan, Victoria, reviewed 7 months ago
Qantas Money Credit Card review
Overall 6/10
Good for points but lacks google pay

Got this card for the points bonus. Still do not have google pay (which compared to my last card made shopping so much easier and quicker) Wife's card keeps getting fraud messages for the same transaction despite talking to them and telling them that we did buy the groceries at Woolworths. I will probably change cards before the renewal date.

Read full review

Got this card for the points bonus. Still do not have google pay (which compared to my last card made shopping so much easier and quicker) Wife's card keeps getting fraud messages for the same transaction despite talking to them and telling them that we did buy the groceries at Woolworths. I will probably change cards before the renewal date.

Price
9/10
Features
6/10
Customer service
6/10
Convenience
6/10
Trust
8/10
Less
Jason, New South Wales, reviewed 7 months ago
Qantas Money Qantas Premier Platinum review
Overall 1/10
Do not do it.

This is the worst credit card I have ever had. The FF points are the temptation, but the card is nothing but a bother. Completely nonexistent customer service. I had a large charge dispute and have been trying to get it looked into for over two months. The customer service contact number literally will not connect me to an operator, it just aborts while on hold. I've tried this dozens of times. The website says to send an email, but there's no answer to the emails (once you find an address as that's hard enough). I eventually pretended I wanted to sign up for a card so I could talk to someone. They took my details then that's the last I heard. Tried again. Same result. This issue aside, payments are slow to go through, the card doesn't work randomly causing embarrassment. An absolute nightmare. Once my dispute is looked into I'm out.

Read full review

This is the worst credit card I have ever had. The FF points are the temptation, but the card is nothing but a bother. Completely nonexistent customer service. I had a large charge dispute and have been trying to get it looked into for over two months. The customer service contact number literally will not connect me to an operator, it just aborts while on hold. I've tried this dozens of times. The website says to send an email, but there's no answer to the emails (once you find an address as that's hard enough). I eventually pretended I wanted to sign up for a card so I could talk to someone. They took my details then that's the last I heard. Tried again. Same result. This issue aside, payments are slow to go through, the card doesn't work randomly causing embarrassment. An absolute nightmare. Once my dispute is looked into I'm out.

Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Dominique, Western Australia, reviewed 7 months ago
Qantas Money Qantas Premier Everyday review
Overall 1/10
Astronomical interest rates, won’t negotiate.

Avoid this card at all costs. Asked for a rate review particularly during this time and first time I was hung up on, second time they said flat out “NO”. They are charging 19.99% for purchases and 21.99% for cash advances which includes any balance transfers they have not been paid off in time....I have my insurances with Qantas, Car, Life, Health and Income, time to walk with my feet for a better deal. Avoid them at all cost with their substandard features and appalling customer service.

Read full review

Avoid this card at all costs. Asked for a rate review particularly during this time and first time I was hung up on, second time they said flat out “NO”. They are charging 19.99% for purchases and 21.99% for cash advances which includes any balance transfers they have not been paid off in time....I have my insurances with Qantas, Car, Life, Health and Income, time to walk with my feet for a better deal. Avoid them at all cost with their substandard features and appalling customer service.

Price
0/10
Features
1/10
Customer service
1/10
Convenience
0/10
Trust
0/10
Less
Greg, New South Wales, reviewed 7 months ago

What do you need to apply for a Qantas Money credit card?

Like most credit cards, to apply for a Qantas Money piece of plastic, you’ll need to be over 18 and a permanent resident of Australia. You’ll also need some documents to apply, including:

  • I.D., such as a driver's licence or passport
  • Your employer's details (address and contact number)
  • If self employed, contact details for your accountant
  • Details of your income, assets and debts

You’ll also need to be a member of the Qantas Frequent Flyer program - but don’t worry, membership is free for cardholders.

Check out our handy guide for more information on applying for a credit card.

Credit card quick links