MyCard Prestige Qantas Credit Card
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- Purchase rate
- 22.49% p.a.
- Reward points per $ spent
- 0.5
- Annual fee
- $749 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
Earn plenty of Qantas Points and get luxury perks, including 15 complimentary airport lounge visits and exclusive hotel offers, with a $749 annual fee.
The MyCard Prestige Qantas card is a credit card for frequent travellers and big spenders that offers 15 complimentary visits to Priority Pass lounges. You can earn a pretty substantial amount of Qantas Points on yours spending, but the annual fee is very high.
Pros
-
15 airport lounge visits per year with Priority Pass
-
4th Night on Us with Luxury Escapes
-
Uber Premier $100 cashback
Cons
-
The standard annual fee of $749 is relatively high
-
High 3.5% foreign transaction fee
Details
Product details
| Product Name | MyCard Prestige Qantas |
| Purchase rate p.a. | Purchase rate p.a.22.49% |
| Interest-free days | Up to 44 days on purchases |
| Cash advance rate p.a. | 22.99% |
| Min credit limit | $20,000 |
| Max credit limit | $100,000 |
| Card type | Mastercard |
Rewards
| Rewards program | Qantas Frequent Flyer |
| Bonus points | N/A |
| Rewards points per $ spent | 0.5 |
Fees
| Annual fee | $749 |
| Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
| Late payment fee | $30 |
| Foreign currency conversion fee | 3.5% |
| Cash advance fee | 3.5% of transaction value or $3.50, whichever is greater |
| Overseas cash advance fee | $5 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
How to apply
MyCard is not currently accepting applications but will start accepting them soon, according to the MyCard website.
Sources
Your reviews
Richard Finder
Senior Money Editor
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Richard Whitten Finder
August 18, 2025
Hi Michelle,
You can’t earn points on BPAY payments. DEFT should be OK, but keep in mind DEFT charges a card transaction fee. I avoid paying my strata with a credit card for this reason. I think the fee ends up being $9 for me, so the points aren’t really worth it.
Check the fee before you pay, if you are interested in earning points that way.
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Stephen
April 16, 2025
I have been approved for a Citibank prestige qantas card, and am in the process of buying a new car. Does this qualify as an eligible purchase and if so what would be the points per dollar?
Sarah Megginson Finder
April 16, 2025
Hi Stephen,
The earn rate is 0.5 points per $1 spent on “other eligible domestic spend”, which would include your car purchase. With this card, there is no points cap, unlike with some other cards, which means you have the potential to earn points on the entire purchase price. Keep in mind that you might get charged a credit card fee of up to 2%, which can add a big extra cost when buying something as substantial as a car.
Hope this helps!
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Kylie
April 12, 2025
I have just been approved for a Citibank card with bonus points. But I see that it’s a subsidiary of Nab, so if I have a Nab card, does that mean I’m not eligible for the Citibank bonus points?
Sarah Megginson Finder
April 14, 2025
Hi Kylie,
According to the terms and conditions, this offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer. This means Citi offers bonus reward points to new Citi Rewards Credit Card holders, regardless of whether they are existing NAB customers or not (provided you meet all the eligibility terms and conditions). Hope this helps!
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Richard Whitten Finder
April 14, 2025
Hi Kylie,
You’d have to check with Citibank to be 100% sure. But looking at the fine print the bonus points offer doesn’t mention NAB and just says the offer is for “New Citi Prestige Qantas Credit Card customers only”.
I hope this helps.
Adaire
October 05, 2024
Hi there, when is the annual fee charged? Upon receiving the credit card or at 12 months of using it?
Richard Whitten Finder
October 07, 2024
Hi Adaire,
With most cards the annual fee is charged when you activate the card and then every 12 months after that. Citi should be able to give you more information about this.
SC
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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Michelle
August 17, 2025
I have just been approved for the card and am hoping to pay for my upcoming strata bill. The bills payment options list DEFT and Bpay, and I’m wondering if this transaction is eligible to meet the minimum spend requirements for Qantas bonus points?