Qantas Money offers rewards credit cards, the Qantas Pay Card and a dedicated app to manage them.
Qantas Money is part of the Qantas Airways family, but the credit cards are issued by NAB and the prepaid card is issued by EML Payment Solutions Limited.
If you're not a Qantas Frequent Flyer member yet, choosing any Qantas Money card gives you a way to join for free – saving $99.50 on the usual fee.
If you're not a member of the Qantas Frequent Flyer program, getting a Qantas Money card gives you a way to sign-up without paying the usual $99.50 joining fee.
Qantas Points on your everyday spending
All Qantas Money Credit Cards earn Qantas Points per $1 on eligible purchases. This covers most everyday spending, including groceries, petrol, dining out, entertainment tickets and travel bookings – with additional points for spending with Qantas.
Transactions that are not eligible to earn Qantas Points include:
Bank fees and charges (such as ATM fees)
Cash advances
BPAY payments
Payments to other Citi accounts
Foreign currency purchases
Transactions made in operating a business
Government-related transactions (such as paying the ATO)
Mobile payments
You can add any Qantas Money credit card to Apple Pay and Google Pay and make payments straight from your compatible device.
Qantas Money Credit Cards app
The Qantas Money Credit Cards app lets you manage your cards from anywhere, with features including a quick-view of your balance, the ability to temporarily lock your card and spending insights. You'll also get weekly offers for bonus Qantas Points.
Installation plans
Statement Installation Plans give you a way to pay off purchases over a set period of time, with a lower rate than the standard purchase rate on your Qantas Money credit card. This can make bigger purchases seem more manageable because you'll typically pay the same amount off the installation each month.
How to apply for a Qantas Money credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
Frequently asked questions
Yes, you can use your Qantas Money credit card to withdraw cash from most ATMs in Australia and around the world – but it will be processed as a cash advance transaction. This means you'll pay a cash advance fee and be charged interest straight away.
If you're withdrawing money overseas, an international transaction fee will also apply. You can avoid cash advance costs by using the Qantas Pay Card, or any debit card or credit card with 0% foreign transaction fees.
Qantas Money is owned and operated by Qantas Airways. But Qantas Money Credit Cards are issued by NAB and the Qantas Pay Card is issued by EML Payment Solutions.
There are 3 ways to pay off the balance on your Qantas Money credit card:
BPAY. The Biller Code is 266536 and the Reference is your 16-digit card number.
Automatic payments. Qantas Money offers Easi-Pay direct debits, with a choice of paying the minimum amount due or the total closing balance.
Australia Post. Take your Qantas Money credit card to a Bank@Post outlet and pay with cash, EFTPOS or a check.
Your monthly statement will also show full details of your repayment options and the amount owed.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024.
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Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?
Finder
JeniFebruary 25, 2019Finder
Hi James,
Thank you for getting in touch with Finder.
If you’re pertaining to having a credit card with a promotional balance transfer offer and using the credit card for purchases, you may still have the 45 or 55 days interest-free period on your purchases and the balance on BT will still be on its promotional period. You may use ou guide on managing purchases on a balance transfer credit card
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
BorisFebruary 12, 2019
How many points do I have to redeem for sydney – budapest, business class?
NikkiFebruary 13, 2019
Hi Boris,
Thanks for reaching out! You can find how many points you need to fly business class from Sydney to Budapes by logging into your Qantas Frequent Flyer account and use their calculator. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Compare the best Qantas frequent flyer credit cards based on bonus point offers, points per $1 spent, rates, fees and other features so you can find a card that works for you.
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Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?
Hi James,
Thank you for getting in touch with Finder.
If you’re pertaining to having a credit card with a promotional balance transfer offer and using the credit card for purchases, you may still have the 45 or 55 days interest-free period on your purchases and the balance on BT will still be on its promotional period. You may use ou guide on managing purchases on a balance transfer credit card
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
How many points do I have to redeem for sydney – budapest, business class?
Hi Boris,
Thanks for reaching out! You can find how many points you need to fly business class from Sydney to Budapes by logging into your Qantas Frequent Flyer account and use their calculator. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki