Qantas Money offers Qantas Premier credit cards, the Qantas Pay Card and a dedicated app to manage them. Qantas Money is part of the Qantas Airways family, but the credit cards are issued by NAB and the prepaid card is issued by EML Payment Solutions Limited. If you're not a Qantas Frequent Flyer member yet, choosing any Qantas Money card gives you a way to join for free – saving $99.50 on the usual fee.
Qantas Money Credit Card Offer
Qantas Premier Everyday
Receive up to 8,000 bonus Qantas Points
Eligibility criteria, terms and conditions, fees and charges apply
Qantas Money Credit Card Offer
Receive up to 8,000 bonus Qantas Points. Plus, complimentary travel insurance and a 0% balance transfer offer (with a one-time 2% BT fee).
Earn 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months, up to a total of 8,000 bonus Qantas Points
We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these
):
Types of Qantas Money Cards
All Qantas Premier credit cards earn Qantas Points per $1 on eligible spending – which includes most everyday purchases. They earn points at different rates and also have different annual fees and features.
Qantas Premier Everyday
The Qantas Premier Everyday is an entry-level frequent flyer card with a relatively competitive $99 annual fee.
It has an ongoing earn rate of 0.75 Qantas Points per $1 on domestic purchases up to $3,000 per statement period, and 0.4 Qantas Points per $1 after that. It also offers 1 additional Qantas Point per $1 for eligible spending with Qantas and complimentary travel insurance.
Qantas Premier Platinum
The Qantas Premier Platinum earns 1 Qantas Point per $1 on domestic purchases up to $10,000 per statement period and 0.5 points per $1 after that. It also earns 1 additional point per $1 for eligible Qantas spending.
Its perks include complimentary airport lounge invitations and discounted companion fare offers that can save you up to 20% on eligible domestic flights. Outside of promotions, it has a $399 annual fee.
Qantas Premier Titanium
The Qantas Premier Titanium is an exclusive, metal credit card that earns 1.25 Qantas Points per $1 on eligible spending (capped at $12,500 a month for spending in Australia). It also earns 2 additional Qantas Points per $1 on spending with Qantas.
Perks with top-tier credit card include 20% bonus Status Credits on eligible flights, a 10% discount on eligible Qantas flights twice a year, Qantas First Lounge invitations and complimentary travel insurance. It has an annual fee.
The Qantas Pay Card is a prepaid multi-currency Mastercard. This means you can add your own Australian money to the card, then convert it into one of 10 supported currencies – including US and Canadian dollars, Thai baht, Euros and Great British pounds.
This set-up means you can lock in currency exchange rates and save on foreign transaction fees. You also earn 1.5 Qantas Points for every equivalent AUD$1 spent in a foreign currency and 1 point per $4 spent in AUD.
What do Australians think of Qantas credit card provider?
4.27/5 overall for Customer Satisfaction — higher than the average of 4.06
4.71/5 for Trust — higher than the average of 4.4
4.14/5 for Customer Service — higher than the average of 4.06
If you're not a member of the Qantas Frequent Flyer program, getting a Qantas Money card gives you a way to sign-up without paying the usual $99.50 joining fee.
Qantas Points on your everyday spending
All Qantas Premier Credit Cards earn Qantas Points per $1 on eligible purchases. This covers most everyday spending, including groceries, petrol, dining out, entertainment tickets and travel bookings – with additional points for spending with Qantas.
Transactions that are not eligible to earn Qantas Points include:
Bank fees and charges (such as ATM fees)
Cash advances
BPAY payments
Payments to other Citi accounts
Foreign currency purchases
Transactions made in operating a business
Government-related transactions (such as paying the ATO)
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Mobile payments
You can add any Qantas Money credit card to Apple Pay and Google Pay and make payments straight from your compatible device.
Qantas Money app
The Qantas Money app lets you manage your cards from anywhere, with features including a quick-view of your balance, the ability to temporarily lock your card and spending insights. You'll also get weekly offers for bonus Qantas Points.
Installation plans
Statement Installation Plans give you a way to pay off purchases over a set period of time, with a lower rate than the standard purchase rate on your Qantas Premier credit card. This can make bigger purchases seem more manageable because you'll typically pay the same amount off the installation each month.
Eligibility criteria
You can apply for a Qantas Premier credit card online in around 10 minutes. But before you apply, you'll need to meet the card's eligibility criteria. These are different for each card, but here's what to look for:
Income. The Qantas Premier Everyday and Qantas Premier Platinum have a minimum income of $35,000 per year. The Qantas Premier Titanium requires a minimum income of $200,000 per year.
Residential status. You must be an Australian citizen or permanent resident with an Australian mobile phone number.
Qantas Frequent Flyer member. This offer is only available to Qantas Frequent Flyer members but you can get a complimentary membership when you apply.
New customer. You'll need to be a new Qantas Premier credit card customer to get introductory bonus points and other offers.
Credit history. You must have a good credit rating.
Age. You must be at least 18 years or older.
Information and documents you need to apply
Personal information. This includes your name, phone number, email address, residential address and a valid form of ID, such as your driver's licence number.
Employment. This includes your current job, your employer's contact information or your accountant's details if you're self-employed. You'll also need to provide details of any savings.
Debts and liabilities. You need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly food budget, loan repayments and any existing credit card debts.
What happens after you apply?
Qantas Money will send you a confirmation email after you submit your application – it should come within 60 seconds. If your application is approved, you should get your card within 3-5 working days.
Frequently asked questions
Yes, you can use your Qantas Premier credit card to withdraw cash from most ATMs in Australia and around the world – but it will be processed as a cash advance transaction. This means you'll pay a cash advance fee and be charged interest straight away.
If you're withdrawing money overseas, an international transaction fee will also apply. You can avoid cash advance costs by using the Qantas Pay Card, or any debit card or credit card with 0% foreign transaction fees.
Qantas Money is owned and operated by Qantas Airways. But Qantas Premier Credit Cards are issued by NAB and the Qantas Pay Card is issued by EML Payment Solutions.
There are 3 ways to pay off the balance on your Qantas Premier credit card:
BPAY. The Biller Code is 266536 and the Reference is your 16-digit card number.
Automatic payments. Qantas Money offers Easi-Pay direct debits, with a choice of paying the minimum amount due or the total closing balance.
Australia Post. Take your Qantas Premier credit card to a Bank@Post outlet and pay with cash, EFTPOS or a check.
Your monthly statement will also show full details of your repayment options and the amount owed.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 565 Finder guides across topics including:
Compare different types of credit cards in Australia, including balance transfer, rewards and frequent flyer, low rate, no annual fee and business cards.
Compare credit cards that give you an outcome within 60 seconds of when you submit your application online and find out how to increase your chances of getting this type of "instant" credit card approval.
If you are renting a car and want to be covered in the case of accidents, then this insurance is for you. Check first your insurance policy and find out which coverage extends to your rental vehicle.
Ready for an overseas adventure? Save with 0% foreign fees, free travel insurance and more with these credit cards. Plus, perks to help you travel in style.
Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?
Finder
JeniFebruary 25, 2019Finder
Hi James,
Thank you for getting in touch with Finder.
If you’re pertaining to having a credit card with a promotional balance transfer offer and using the credit card for purchases, you may still have the 45 or 55 days interest-free period on your purchases and the balance on BT will still be on its promotional period. You may use ou guide on managing purchases on a balance transfer credit card
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
BorisFebruary 12, 2019
How many points do I have to redeem for sydney – budapest, business class?
NikkiFebruary 13, 2019
Hi Boris,
Thanks for reaching out! You can find how many points you need to fly business class from Sydney to Budapes by logging into your Qantas Frequent Flyer account and use their calculator. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
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Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?
Hi James,
Thank you for getting in touch with Finder.
If you’re pertaining to having a credit card with a promotional balance transfer offer and using the credit card for purchases, you may still have the 45 or 55 days interest-free period on your purchases and the balance on BT will still be on its promotional period. You may use ou guide on managing purchases on a balance transfer credit card
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
How many points do I have to redeem for sydney – budapest, business class?
Hi Boris,
Thanks for reaching out! You can find how many points you need to fly business class from Sydney to Budapes by logging into your Qantas Frequent Flyer account and use their calculator. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki