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Qantas American Express Ultimate Card

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Enjoy 55,000 bonus Qantas Points, a yearly $450 travel credit and four complimentary lounge invitations.

The Qantas American Express Ultimate Card offers 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months from card approval. This card also earns uncapped points per $1 spent and gives you a $450 travel credit every year. Plus, two complimentary Qantas Club lounge invitations and two American Express lounge invitations every year, complimentary travel insurance and a complimentary Qantas Wine Premium membership.


Bonus points

20.74% p.a.

Purchase rate


Reward points

Per $ spent

$450 p.a.

Annual fee

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Product NameQantas American Express Ultimate Card
Rewards programQantas Frequent Flyer
Purchase rate20.74% p.a.
Annual fee$450
Interest-free period44 days
Min credit limit$3,000
Max credit limit$50,000
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$65,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months
  • Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped
  • $450 Qantas Travel Credit each year
  • 2 complimentary Qantas Club lounge invitations each year
  • Complimentary Qantas Wine Premium membership


  • High annual fee of $450
  • Only offers up to 44 days interest-free on purchases, as compared to other cards that offer 55 days
Rewards programQantas Frequent Flyer
Bonus points55,000
Rewards points per $ spent1.25
Rewards points capUncapped
Annual fee$450
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%
Additional cardholder fee$0
Number of additional cardholders4

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The Qantas American Express Ultimate Card is a premium frequent flyer credit card with a $450 annual fee you can offset by using the yearly travel credit. This card offers one of the highest uncapped earn rates on any Qantas Frequent Flyer card, giving you 1.25 points per $1 spent on most eligible purchases and 0.5 points per $1 on government charges.

How to apply

If you've compared frequent flyer credit cards and decided on the Qantas American Express Ultimate Card, you can apply online in around 10 minutes and may get a response within 60 seconds. Before you get started, make sure you meet the eligibility criteria and have all the essential documents and details to complete the application.

Eligibility criteria

  • Minimum income. You must earn a minimum of $65,000 per year.
  • Residency. You must be an Australian citizen, permanent resident or hold a current long term visa (12 months or more). Student visas are not eligible.

Card benefits

  • 55,000 bonus Qantas Points. When you spend $3,000 on eligible purchases in the first 3 months, you'll score 55,000 bonus Qantas Points. This introductory offer gives you enough points to fly one-way from Melbourne to Los Angeles in economy (41,900 points) or for one return economy class flight from Brisbane to Hong Kong (50,400 points) – with points to spare for future flight options.
  • Complimentary Qantas Wine Premium membership. Enjoy free delivery on all orders within Australia, 3 points per $1 spent on wine (in addition to the points earned through your card) and exclusive member offers through Qantas Wine. Note that you need to enter your complimentary membership code in the "apply promo code" field at the checkout to reduce your membership price to $0 (instead of $99).

Rates & fees

  • Annual fee. This card charges a $450 annual fee.
  • Interest rate. The Qantas American Express Ultimate Card charges an interest rate of 20.74% p.a. on purchases.

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  1. Default Gravatar
    January 20, 2020

    Does being a secondary cardholder count as being a cardholder in the past 18 months?

    • Default Gravatar
      January 21, 2020

      Hi Graeme,

      Thanks for your comment and I hope you are doing well.

      As a secondary cardholder, all charges, rewards, and other activities of a secondary cardholder goes to record for the primary cardholder. This means, if you are looking to apply for a credit card, your usage as a secondary cardholder will not be visible and will not show when you apply for a credit card of your own.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    November 11, 2019

    If I’m a secondary cardholder on someone else’s AMEX account, will this disqualify me from the introductory points offer?

    • Avatarfinder Customer Care
      November 11, 2019

      Hi Hayley,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      That’s an interesting question.

      The answer is no, it won’t disqualify you.

      Authorized users are eligible to earn a new card sign-up bonus on the same card if they decide to apply in the future. Only primary cardholders are restricted from earning the sign-up bonus on a specific AMEX card once per lifetime.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. Default Gravatar
    October 1, 2019

    Is there a minimum time you have to hold the card to receive the Qantas points and $450 travel credits?

    • Default Gravatar
      October 2, 2019

      Hi Alex,

      Thanks for contacting Finder.

      Yes, you need to have the Qantas American Express Ultimate Card for at least a year as the $450 travel credits can be used starting from your anniversary date until the rest of the current year.

      I hope this helps.

      Kind regards,

  4. Default Gravatar
    September 22, 2019

    For the Amex Qantas credit card, when can I start using the $450 travel credit? Is it only after having the credit card for 1 year, or can it be used within the first year of having the card?

    • Default Gravatar
      September 22, 2019

      Hi John,

      Thanks for contacting Finder.

      You can redeem the $450 travel credit after you have paid your first statement in the first year you have the card. You can redeem it within 365 days of opening the card. In subsequent years, you can redeem the travel credit after the anniversary date on which you opened your Qantas American Express Ultimate Card account. Please note that you must pay the account’s annual fee for each year before you can redeem the travel credit.

      I hope this has clarify it.

      Please do not hesitate to reach out again if you have additional questions.


  5. Default Gravatar
    August 30, 2019

    Can I use the card on any purchases such as groceries/clothing etc like a normal credit card?

    • Default Gravatar
      August 31, 2019

      Hi Jenny,

      Thank you for contacting Finder.

      Yes, you can use the Qantas American Express Ultimate Card to make purchases as long as the merchant/ store accepts American Express card/s. This is a Credit Card so you will be having an approved Credit Limit which you can use for your spendings.

      I hope this helps.

      Please do not hesitate to send us another correspondence if you have additional questions.


  6. Default Gravatar
    April 23, 2019

    If I apply for this card, what is the limit of spending? I want to purchase a car with it to take advantage of the points. Car will cost $70,000.

    • Avatarfinder Customer Care
      April 24, 2019

      Hi Bruno,

      Thank you for getting in touch with Finder.

      The maximum amount you may spend on this card is your credit limit. This card’s maximum credit limit is only $50,000. Please note that a credit card company will have the final say on your credit limit and it will most likely be based on credit history and income.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


  7. Default Gravatar
    April 19, 2019

    I am a supplementary card holder with my partner.
    She has a balance on her card which we share.
    Can i take advantage of this offer and transfer the balance of that card to my new card and let her keep her own card?

    • Avatarfinder Customer Care
      April 20, 2019

      Hi Jim1818,

      Thank you for reaching out to Finder.

      Yes you may request for a balance transfer to this new card so you can have your own credit card and your partner can keep hers. Please note though that your partner’s card should be eligible to transfer balance to an American Express card. You can check Which banks can I balance transfer to? to know if your partner’s credit card provider is allowed to transfer balance to this American Express Qantas Ultimate Card.

      Hope this helps.

      Kind Regards,

  8. Default Gravatar
    April 17, 2019

    What would the fees be for using it to buy on international e-commerce websites?

    What sort of currency conversion rate would get

    • Avatarfinder Customer Care
      April 18, 2019

      Hi Andrew,

      Thank you for getting in touch with Finder.

      Using this Qantas American Express Ultimate in purchasing on international websites would charge you foreign currency conversion fee of 3% of transaction value. Please note that the exchange rates are subject to global market fluctuations and therefore change continuously. Exchange rate varies on the date of your completed transaction and determined by American Express rate.

      I hope this helps.

      Thank you and have a wonderful day!


  9. Default Gravatar
    December 1, 2018

    as a supplementary card holder of a Qantas American Express Ultimate card am I able to take advantage of the bonus points offer if I sign u for my own card

    • Avatarfinder Customer Care
      December 6, 2018

      Hi Chris,

      Thank you for reaching out to finder.

      Yes, you may be able to start up your account and take advantage of the bonus points under your own account if you have never help an account before and would be considered as a new subscriber. Hope this helps!


  10. Default Gravatar
    August 23, 2018

    Hi. I have booked a Qantas flight although due to travel in 8 days. My New Amex card was activated with the April offers, does this mean I am not able to gain lounge passes until next year?

    • Avatarfinder Customer Care
      August 24, 2018

      Hello Tracey,

      Thank you for your comment.

      Usually, Amex cardholders can take advantage of a maximum of two American Express Lounge access. If your card has been linked with the April offers, you’re best to contact your card provider and confirm the features and benefits you have with your card.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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