The Qantas American Express Discovery is suited to people who want to earn points for their everyday spending without paying a credit card annual fee. It earns between 0.5 and 1.75 Qantas Points per $1 on eligible spending, which is competitive with other frequent flyer cards that have low or no annual fee. In comparison, cards with higher annual fees usually offer more perks like airport lounge passes or insurance – so think about whether you’d get more value from these features or from paying no annual fee.
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Qantas American Express Discovery Card
Terms and conditions apply
- Purchase rate
- 23.99% p.a.
- Reward points per $ spent
- 0.75
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
This no annual fee Amex card offers Qantas Points per $1 spent, but doesn't have many other frequent flyer perks.
Pros
-
$0 annual fee
-
Complimentary purchase and refund protection
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Earn 0.75 Qantas Points per $1 spent and 0.5 points per $1 with government bodies in Australia
Cons
-
High 23.99% p.a. interest rate on purchases
-
Charges a 3% foreign transaction fee
-
Only offers up to 44 days interest-free on purchases, as compared to other cards that offer 55 days
Details
Product details
| Product Name | Qantas American Express Discovery Card |
| Purchase rate p.a. | 23.99% |
| Interest-free period | Up to 44 days on purchases |
| Min credit limit | $2,000 |
| Card type | American Express |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Minimum income | $35,000 |
| Joint application | No |
Rewards
| Rewards program | Qantas Frequent Flyer |
| Bonus points | N/A |
| Rewards points per $ spent | 0.75 |
| Rewards points cap | Uncapped |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 2.5% of the closing balance or $30, whichever is greater |
| Late payment fee | $30 |
| Foreign currency conversion fee | 3% |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
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Amy Finder
Editor
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Sarah Megginson Finder
January 04, 2024
Hi Alan,
Finder is a comparison site so we can’t provide personal advice. However, we can advise that applicants for the Qantas American Express Discovery Card must be 18 years of age or over, and earn a minimum income of $35,000 per annum to apply. Your pension is generally treated the same as a wage income source. Any application for credit (whether approved or not) will show up on your credit report.
Hope this helps!
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Chris
March 07, 2023
Hi, just to clarify with the interest free period. The first 12 months are interest free on purchases so I just need to make the minimum repayment at the end of each billing cycle? Is there a catch to this like minimum transaction amount or all purchases for the first 12 months are interest free?
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Amy Bradney-George Finder
March 09, 2023
Hi Chris,
That’s correct, there is currently a 0% interest rate on purchases for the first 12 months. That applies to all purchases during that period. The key conditions are that you would need to pay at least the minimum amount due on each statement, and any unpaid purchase baalnce at the end of the 12-month period would be charged interest at the card’s purchase rate. Hope this helps!
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Cb
November 20, 2022
Hi, can you confirm that the 44 days of interest free purchases applies only after the first 12 months, during which there is no limit of days at interest free?
Amy Bradney-George Finder
February 24, 2023
Hi Cristian,
When there is a promotional 0% interest rate on purchases, it applies for the entire introductory period. This means the standard interest-free days aren’t necessary during that time. Outside of any 0% purchase rate promotions, the Qantas American Express Discovery Card offers up to 44 days interest-free on purchases when you pay the full amount listed on each statement by the due date.
Regards,
Amy
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Amalia
October 17, 2019
Hi,
I’m wondering if I purchase a flight with my Discovery Amex card is their travel insurance with that? And even though there is no lounge freebies, can I purchase a lounge ticket anyway while travelling overseas?
Thank you!
Jeni Finder
October 19, 2019
Hi Amalia,
Thank you for getting in touch with Finder.
As of this writing, your Qantas American Express Discovery Card doesn’t have complimentary travel insurance. You may use this card to purchase a lounge ticket while travelling but you need to verify with the lounge if you may purchase access.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
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August 07, 2019
Is the balance transfer offer a one-off promotion or do they typically have an ongoing promotion (e.g. most St George bank cards)?
Jeni Finder
August 07, 2019
Hi Nav,
Thank you for getting in touch with Finder.
This Qantas American Express Discovery credit card’s balance transfer offer is just for new application only. To know other promotions they have for existing customers, please contact American Express directly.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
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Alan
January 04, 2024
Im on a pension $38k Excellent credit report and only have 9k left on mortgage which i can pay off Just turned 60
Do you think I would qualify and if I dont would this be on my credit report