In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Citi Prestige Qantas Card
Terms and conditions apply
Bonus points
Purchase rate
21.49% p.a.
Reward points per $ spent
Annual fee
$749 p.a.

Our verdict

Offers 100,000 bonus Qantas Points and luxury perks, including unlimited airport lounge access. Just make sure you get enough value to justify the $749 annual fee.

The Citi Prestige Qantas Card has a competitive introductory offer, giving you a way to get 100,000 Qantas Points in a few months if you meet the spend requirement. That's enough to fly return from Melbourne to Auckland in business class (83,000 points) – with points left over. It’s also enough points to book 2 return premium economy flights from Sydney to Christchurch (72,000 points).


  • 100,000 bonus Qantas Points
  • Up to 1.5 Qantas Points per $1 on eligible spending
  • Unlimited airport lounge access with Priority Pass membership
  • Complimentary luxury airport transfer service
  • Complimentary travel insurance
  • Fourth night free hotel stay offer


  • High $749 annual fee
  • High 21.49% p.a. interest rate for purchases
  • High 3.4% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Citi Prestige Qantas Card is designed for high earners and frequent travellers who want to get Qantas Points for their everyday spending. It offers between 0.5 and 1.5 Qantas Points per $1 on eligible transactions, earning the most points for spending with major domestic airlines, hotel chains and restaurants – as well as for eligible international spending.


Product details

Product Name Citi Prestige Qantas Card
Balance transfer rate p.a. 0% for 6 months, then 22.24%
Balance transfer limit 80% of available limit
Purchase rate p.a.
Interest-free period
Up to 44 days on purchases
Cash advance rate p.a. 22.24%
Min credit limit $20,000
Max credit limit $100,000
Card type Mastercard


Available to temporary residents No
Joint application No


Rewards program Qantas Frequent Flyer
Bonus points 100,000
Rewards points per $ spent 0.5
Rewards points cap Uncapped


Annual fee
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $30
Foreign currency conversion fee
Cash advance fee 3.5% or $3.50, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 4
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.

How to apply

You can apply for the Citi Prestige Qantas Credit Card online in 10 minutes, but you'll need to make sure you meet the eligibility requirements and have the necessary documents before you get started.

Eligibility criteria

  • Residency. You must be an Australian permanent resident or citizen.
  • Credit history. This card is only available to applicants with a good credit score and no history of bankruptcy.

Card benefits

  • 100,000 bonus Qantas Points. Earn 100,000 bonus Qantas Points when you spend $7,500 on eligible purchases within 3 months from card approval. Your bonus points will be credited to your Qantas Frequent Flyer account within 8 weeks of meeting the spend criteria. You must provide your Qantas Frequent Flyer membership number upon application and an additional $49 annual fee applies to join the Citibank Qantas Rewards program.
  • Uncapped Qantas Points. Get rewarded with 1.5 Qantas Points per $1 spent on eligible international spending and eligible domestic purchases made with major airlines, hotel chains and restaurants. You'll also earn 1 point per $1 on Australian spending at selected domestic purchases made at major petrol outlets, supermarkets and national retailers and 0.5 points per $1 spent everywhere else on domestic eligible transactions.

Rates & fees

  • Annual fee. The Citi Prestige Qantas Credit Card charges an annual fee of $749 (this includes the $49 Citibank Qantas Rewards Program yearly fee).
  • Purchases interest rate. The purchase rate for this card is 21.49% p.a. (variable).

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December 14, 2023

Do you know what counts as eligible spend to get the bonus points?


Sarah Megginson Finder

January 05, 2024

Hi Scott, Eligible purchases refer to most everyday transactions like retail shopping, paying an invoice, bookings travel and shopping online.

Ineligible purchases for the purpose of meeting a spend requirement usually include things like: online gambling, interest, fees, cash advances, government payments (eg ATO), balance transfers and BPAY transactions.

Hope this helps!

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February 27, 2023

Would payments for electricity and council rates earn at 1 point per dollar or .5 points per dollar ?


Amy Bradney-George Finder

March 07, 2023

Hi Peter,

Council rates are typically considered government-related transactions, which aren’t considered “eligible transactions” on this card. Electricity payments would earn 0.5 points if they were processed as a purchase (e.g. not BPAY). If you used the Citi PayAll platform, you could earn points on a wider range of payments, such as taxes and miscellaneous bills, as long as the payment is going to an Australian bank account. I hope that helps.

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