Rates and fees verified as correct at 21 May 2022. Other information correct at the time of writing. Advertiser disclosure.
| 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 |
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 |
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 |
19.99% p.a. |
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee) |
$299 $225 in the first year |
|
|
1.25 points per dollar on Mastercard, up to $12,500 per month, then |
19.99% p.a. |
0% p.a. for 6 months and then 21.99% p.a. |
$1,200 |
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 |
19.99% p.a. |
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee) |
$299 $225 in the first year |
|
|
1.25 points per dollar on Mastercard, up to $12,500 per month, then |
19.99% p.a. |
0% p.a. for 6 months and then 21.99% p.a. |
$1,200 |
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 |
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 |
19.99% p.a. |
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee) |
$299 $225 in the first year |
|
|
1.25 points per dollar on Mastercard, up to $12,500 per month, then |
19.99% p.a. |
0% p.a. for 6 months and then 21.99% p.a. |
$1,200 |
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.
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.
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.
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.
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.
Yep. As a Mastercard option, your new Qantas credit card will work pretty much anywhere in the world.
Sure can. For purchases under $100, you can tap ‘n’ go, making your day that much easier.
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.
27 Reviews
Horrible service. Worse app and online website. If you can work out how the app shows balances without a PHD in mathematics then you must be superhuman. (2 people using 2 cards from the same account). Even trying to close the account took a month or more. Then near completion of closing i received a bill for 20 cents that you cant actually pay these days ... dont get me started on that one.
Read full reviewHorrible service. Worse app and online website. If you can work out how the app shows balances without a PHD in mathematics then you must be superhuman. (2 people using 2 cards from the same account). Even trying to close the account took a month or more. Then near completion of closing i received a bill for 20 cents that you cant actually pay these days ... dont get me started on that one.
Closed the account, they reopened, charged an annual fee and then ongoing late payment fees. They won't answer the phone, return emails. I do not know how to get hold of them. A complete sham organisation.
Read full reviewClosed the account, they reopened, charged an annual fee and then ongoing late payment fees. They won't answer the phone, return emails. I do not know how to get hold of them. A complete sham organisation.
This card has high fees - which I understood when I joined. The interest rate is also huge which is why I avoid using it for credit. It has very good points earning potential however. I have had the Titanium card for 3 years and I will be getting rid of it due to dissatisfaction. Two issues (1) when you use it overseas (in UK in my case) it often prompts for a signature instead of a PIN - which is something that no one has done in Europe for many years. Most merchants (anyone under 40 years old) respond assuming the card has been declined. This experience is common and its just too much of a hassle to use in many places - So I generally use another card overseas. (2) The Australian customer service if you ever need it is just appalling, I have had two issues - one was a card fraud issue, the other was getting legitimate cancelled pending merchant charges removed. In both cases the overseas call centre staff were difficult to communicate with and fairly aggressive/argumentative. Also you had to speak to 3 or 4 different people who need to separately identify you and then give you inconsistent and incorrect information. After three years I decided that I don't need to spend $1200/year for this kind of bad treatment as a customer.
Read full reviewThis card has high fees - which I understood when I joined. The interest rate is also huge which is why I avoid using it for credit. It has very good points earning potential however. I have had the Titanium card for 3 years and I will be getting rid of it due to dissatisfaction. Two issues (1) when you use it overseas (in UK in my case) it often prompts for a signature instead of a PIN - which is something that no one has done in Europe for many years. Most merchants (anyone under 40 years old) respond assuming the card has been declined. This experience is common and its just too much of a hassle to use in many places - So I generally use another card overseas. (2) The Australian customer service if you ever need it is just appalling, I have had two issues - one was a card fraud issue, the other was getting legitimate cancelled pending merchant charges removed. In both cases the overseas call centre staff were difficult to communicate with and fairly aggressive/argumentative. Also you had to speak to 3 or 4 different people who need to separately identify you and then give you inconsistent and incorrect information. After three years I decided that I don't need to spend $1200/year for this kind of bad treatment as a customer.
After using Qantas Money Card since 2016 successfully, I have just spent hours and hours over the last 3 months because an amount I put on, was not credited to my card. In the end, I have had a successful outcome but it was only because the Airline Advocate staff stepped in. They were recommended to me by Consumer Affairs and I have to say they were excellent. I finally had a person who listened to me and helped me have my money returned. The initial phone calls (unanswered, left on hold for 3 hours and still not answered), emails that went around in circles asking for information I had already provided, was just woeful. I can not trust Qantas Money any more. It was a highly stressful experience.
Read full reviewAfter using Qantas Money Card since 2016 successfully, I have just spent hours and hours over the last 3 months because an amount I put on, was not credited to my card. In the end, I have had a successful outcome but it was only because the Airline Advocate staff stepped in. They were recommended to me by Consumer Affairs and I have to say they were excellent. I finally had a person who listened to me and helped me have my money returned. The initial phone calls (unanswered, left on hold for 3 hours and still not answered), emails that went around in circles asking for information I had already provided, was just woeful. I can not trust Qantas Money any more. It was a highly stressful experience.
The points earn rate looks good on paper until you realise that every spend they can't figure out and characterise properly is deemed eligible. It's an absolute rort. And also, in this day and age to have a cc that doesn't support Apple/Samsung/Google Pay is a joke.
Read full reviewThe points earn rate looks good on paper until you realise that every spend they can't figure out and characterise properly is deemed eligible. It's an absolute rort. And also, in this day and age to have a cc that doesn't support Apple/Samsung/Google Pay is a joke.
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.