Qantas American Express Ultimate Card

• Age. You must be at least 18 years old.
• Credit history. You must not have a history of bad debt or payment defaults. If you don't know your credit score or what's on your file, you can get a free copy of your credit report through Finder.

Required documents

• Personal documents. This covers your full name, email address, date of birth, driver's licence number, marital status, number of dependants and contact number.
• Frequent flyer number. You'll need to provide your Qantas Frequent Flyer number to collect points with this card. If you're not a Qantas Frequent Flyer member yet, check out our guide on how to join for free.
• Employment details. This includes your current employment status, job title and your employer's contact details. You may also be asked for recent payslips, your most recent tax return or your accountant's contact details (particularly if you're self-employed).
• Financial details. As well as your provide details of your savings, shares or other assets. You also need to include details of any existing debts and credit accounts, as well as estimates of your regular household expenses.

• Qantas Points per $1 spent. You'll earn 1.25 Qantas Points per $1 spent on everyday purchases made with this card and 0.5 points per $1 for spending with government bodies in Australia. You'll also earn 1 additional Qantas Point per $1 when you use this card to pay for Qantas flights with a QF flight number through qantas.com.au, or for Qantas Frequent Flyer and Qantas Club membership joining/annual fees. But after the first 100,000 points earned in a calendar year, the earn rate for everyday spending changes to 1 point per $1 spent. This doesn't count points earned through an introductory offer. And all other earn rates stay the same.
• Complimentary travel insurance. You'll get complimentary domestic and international travel insurance through this card when you use it to pay for your return trip – including cover for emergency medical expenses, trip cancellations and amendments and some cover for COVID-19. Your partner and dependent children are also eligible for this travel insurance when they're travelling with you and meet the requirements. See Finder's guide to American Express complimentary insurance for more details.
• Airport lounge passes. This card gives you two complimentary Qantas Club lounge invitations each anniversary year of your card membership, after paying for selected Qantas products and services in Australia. You will also receive two entries to the Centurion Lounge at Sydney International (Kingsford Smith) Airport T1 or Melbourne International Airport T2 each year.
• Complimentary Qantas Wine Premium membership. Qantas Wine offers a waived $99 annual fee on premium membership for Qantas American Express Ultimate card members, giving you access to benefits including free delivery on all orders within Australia and 3 points per $1 spent on wine (in addition to the points earned through your card).
• Mobile payments. This card lets you make payments straight from your iPhone, Samsung or Android device when you add it to Apple Pay, Samsung Pay or Google Pay.

• Interest-free period. If you pay your balance in full by the due date on each statement, you'll get up to 44 interest-free days on purchases.
• Additional cards. You can get up to 4 additional cards for anyone over 18 years of age. Additional cards don't attract an extra fee and additional card members can earn Qantas Points too. However, you will be responsible for managing the account and card balance.
• Foreign transaction fee. A 3% fee applies for transactions made in a foreign currency overseas or online.