MyCard Premier Qantas Credit Card
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- Purchase rate
- 22.49% p.a.
- Reward points per $ spent
- 0.5
- Annual fee
- $350 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
Earn Qantas Points and get travel perks including airport lounge access, and hotel and flight discounts, with a $350 annual fee.
The MyCard Premier Qantas Credit Card earns between 0.5 and 1 Qantas Point per $1 on eligible spending, with the highest earn rates going to eligible spending online and overseas. Other travel perks include complimentary international travel insurance and airport lounge access. But it does have a 3.5% international transaction fee when you're spending money overseas or online in a foreign currency.
Pros
-
2 airport lounge passes with Priority Pass
-
Complimentary insurance covers on purchases, travels and mobile phones
-
Qantas Points per eligible spent
Cons
-
The standard annual fee of $350 is relatively high
-
High 3.5% foreign transaction fee
Details
Product details
| Product Name | MyCard Premier 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 | $10,000 |
| Max credit limit | $100,000 |
| Card type | Mastercard |
Rewards
| Rewards program | MyCard Rewards |
| Bonus points | N/A |
| Rewards points per $ spent | 0.5 |
Fees
| Annual fee | $350 |
| 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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Sarah Megginson Finder
February 16, 2025
Hi Min,
In the T&Cs, it states: Bonus Points are not generally available to Citi Cardholders who have enrolled in Citi Qantas Rewards. It also states: New Citi Premier Credit Card customers only and cannot be used in conjunction with any other offers. It might be worth contacting Citi to confirm what you might be eligible for as a previous customer? Best of luck!
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Angus Kidman Finder
February 16, 2025
Hi Min, The conditions for bonus points specify that you can’t be transferring from an existing Citi card, but don’t say that prior cardholders aren’t eligible. However, if your previous cancellation was due to late payments or other similar issues, Citi might not approve you for a new card anyway based on your previous history.
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Kim
December 03, 2024
Can I still apply for Qantas bonus points given my I had a Citi Premiers card cancelled within 12 months?
Thanks
Richard Whitten Finder
December 10, 2024
Hi Kim,
It looks like you won’t be eligible. The fine print says: “If you have previously held a Citi Premier Qantas Credit Card, you will not be eligible for this offer.”
It doesn’t specify a timeframe or whether the card was cancelled or not. You can contact Citi for clarification around that timeframe, or you may want to review some other options for Qantas points earning cards here.
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sk
November 18, 2024
I am planning to spend $5000 to pay immigration payment. Does this count as eligible purchases?
Richard Whitten Finder
November 19, 2024
Hello sk,
If you are making an immigration visa payment directly to the government this won’t count as an eligible purchase. If you’re making a payment to a migration agent and not using BPAY, it could be eligible. But it depends how Citi interprets the payment. According to the terms and conditions: “Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity.”
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William
September 04, 2024
I’ve just noticed that Citi has taken over my NAB. If I’m already an NAB customer and I get a Citi Credit card, am I still a “new customer” in the eyes of Citi Bank when it comes to their Qantas points eligibility?
Thanks!
Angus Kidman Finder
September 15, 2024
Hi William, Citi’s terms and conditions don’t appear to specify this – but it is usually the case that bonus points won’t be offered to customers if they’ve had a similar bonus points offer from a related bank (NAB in this case) in the past. So if you’ve had a bonus sign-up offer from NAB, you probably wouldn’t qualify – but if you only had an NAB transaction account, you might. To find out what applies, you’ll need to ask Citi directly – you can contact Citi on 13 24 84. Hope this helps!
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Jim
November 16, 2021
How long between cards do you need before you can receive the bonus QFF points? Thanks
Chris Giovine Finder
November 30, 2021
Hi Jim,
I hope that I’ve understood your questions correctly. Once approved for the Citi Premier Qantas credit card, you’ll need to spend $4,000 within the first 90 days from card approval to receive the 100,000 bonus Qantas Points and these will be credited to your Qantas Frequent Flyer membership account within 8 weeks of meeting the spend criteria.
You’re eligible for the 100,000 bonus Qantas Points if you have never held this card, even if you are a past or existing Citibank customer.
Cheers,
Chris
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Min
February 15, 2025
Can I still apply for Qantas bonus points given that I had a Citi Premiers card cancelled within 21 months?