based on 36 Qantas Money product 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 2022 Mozo Expert Choice Awards for Rewards Credit Cards. 

What are the benefits of the Qantas Premier Mastercard?

Rates and fees verified as correct at 28 February 2024. 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 12 months and then 21.99% p.a.

$399 $349 in the first year

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.

No current offer

$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 12 months and then 21.99% p.a.

$399 $349 in the first year

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.

No current offer

$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 12 months and then 21.99% p.a.

$399 $349 in the first year

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.

No current offer

$1,200

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
Price
Features
Customer service
Convenience
Trust

36 Reviews

Recent Qantas Money credit card reviews

Qantas Money Qantas Premier Everyday
Overall 8/10
Qantas Credit Card for the Win

I was previously earning Qantas Frequent Flyer points via a ANZ Platinum credit card but hated paying high annual fee. I’m so much happier with this credit card as I can earn Qantas Frequent Flyer Points at a much lower annual fee.

Read full review

I was previously earning Qantas Frequent Flyer points via a ANZ Platinum credit card but hated paying high annual fee. I’m so much happier with this credit card as I can earn Qantas Frequent Flyer Points at a much lower annual fee.

Price
7/10
Features
9/10
Convenience
8/10
Trust
9/10
Less
Taryn, Queensland, reviewed about 1 month ago
Qantas Money Qantas Premier Everyday
Overall 2/10
Bad service, confusing app, takes ages to close.

I applied for this card for points at a reasonable annual fee. But realised the app experience is just so bad. Not easy to understanding the balance and the pending transactions get cleared after way too many days. I applied for closing of the card in less than a month of using it because their budgeting/insight tool is also not as intuitive and accurate as you would expect. Closure process seems to take another month even when I have paid all my balance well in time. Many other credit card providers close your account almost immediately if not within a few days so that your credit borrowing is released. But because Qantas takes so long to close, you can’t even go elsewhere and get the same credit limit because they unnecessarily hold you!!!

Read full review

I applied for this card for points at a reasonable annual fee. But realised the app experience is just so bad. Not easy to understanding the balance and the pending transactions get cleared after way too many days. I applied for closing of the card in less than a month of using it because their budgeting/insight tool is also not as intuitive and accurate as you would expect. Closure process seems to take another month even when I have paid all my balance well in time. Many other credit card providers close your account almost immediately if not within a few days so that your credit borrowing is released. But because Qantas takes so long to close, you can’t even go elsewhere and get the same credit limit because they unnecessarily hold you!!!

Price
5/10
Features
4/10
Customer service
1/10
Convenience
2/10
Trust
1/10
Less
Celine, New South Wales, reviewed 3 months ago
Qantas Money Qantas Premier Everyday
Overall 7/10
worth getting if you have spare money to spend

Pros: easy access to card features and specials on for the month as well as Qantas airline perks Cons: High annual card fee

Read full review

Pros: easy access to card features and specials on for the month as well as Qantas airline perks Cons: High annual card fee

Price
10/10
Features
6/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Leonard, New South Wales, reviewed 7 months ago
Qantas Money Qantas Premier Platinum
Overall 2/10
No scam outcome

I was scammed by a merchant and Qantas Customer Support canceled my credit card and issued a dispute this was in January 2023. No resolution was given at all and I received a new credit card. So six months later I see a charge on my new credit card from this initial vendor how the heck does this happen a brand new card and a scam charge. All Qantas could then do for me was again cancel my card and issue a new one. Dah that is what they offered in the first place now I am in debt to this scam for $1000.

Read full review

I was scammed by a merchant and Qantas Customer Support canceled my credit card and issued a dispute this was in January 2023. No resolution was given at all and I received a new credit card. So six months later I see a charge on my new credit card from this initial vendor how the heck does this happen a brand new card and a scam charge. All Qantas could then do for me was again cancel my card and issue a new one. Dah that is what they offered in the first place now I am in debt to this scam for $1000.

Price
2/10
Features
2/10
Customer service
3/10
Trust
2/10
Less
Susan, Queensland, reviewed 8 months ago
Qantas Money Credit Card
Overall 1/10
An Australian company with no respect!

This organisation declined my application with absolutely no reason. Given my financial position this was the most ludicrous decision imagineable. Really quite funny. I expect they have saved me the inconvenience of dealing with them in future. So much for an Australian company respecting Australians.

Read full review

This organisation declined my application with absolutely no reason. Given my financial position this was the most ludicrous decision imagineable. Really quite funny. I expect they have saved me the inconvenience of dealing with them in future. So much for an Australian company respecting Australians.

Convenience
1/10
Trust
1/10
Less
Brett, New South Wales, reviewed 8 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:

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.

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