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Qantas Money

Compare Qantas Money cards that offer Qantas Points and other travel perks, with customer reviews.

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Qantas Money

Qantas Money offers Qantas Premier 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.

Qantas Money Credit Card Offer

Qantas Premier Platinum

Receive up to 100,000 bonus Qantas Points
Discounted $349 first-year annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Qantas Money Credit Card Offer

Get premium frequent flyer perks with up to 100,000 bonus Qantas Points, airport lounge passes and overseas travel insurance.

  • Earn 70,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 3 months from card approval and 30,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 12 months.
  • $349 annual fee for the first year ($399 p.a. thereafter)
  • 0% p.a. on balance transfers for the first 12 months with 2% BT fee
  • Minimum credit limit: $6,000 | Purchase rate: 19.99% p.a.
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Compare Qantas Money credit cards

Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
Qantas Premier Platinum
Qantas Premier Platinum image
Qantas Frequent Flyer
Bonus points
Points per $ spent
Purchase rate p.a.
Annual fee
$349 first year ($399 after)
Go to siteMore Info
Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Qantas Premier Titanium
Qantas Premier Titanium image
Qantas Frequent Flyer
Bonus points
Points per $ spent
Purchase rate p.a.
Annual fee
Go to siteMore Info
Get 150k bonus Qantas Points and $400 Qantas Luxury Holidays voucher when you spend $5k in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
Qantas Premier Everyday
Qantas Premier Everyday image
Qantas Frequent Flyer
Bonus points
Points per $ spent
Purchase rate p.a.
Annual fee
Go to siteMore Info
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.

Types of Qantas Money Cards

All Qantas Premier Credit Cards earn Qantas Points per $1 on eligible spending – which includes most everyday purchases. They earn points at different rates and also have different annual fees and features.

Qantas Premier Everyday

The Qantas Premier Everyday is an entry-level frequent flyer card with a relatively competitive $99 annual fee.

It has an ongoing earn rate of 0.75 Qantas Points per $1 on domestic purchases up to $3,000 per statement period, and 0.4 Qantas Points per $1 after that. It also offers 1 additional Qantas Point per $1 for eligible spending with Qantas and complimentary travel insurance.

Qantas Premier Platinum

The Qantas Premier Platinum earns 1 Qantas Point per $1 on most eligible spending, with 1 additional point for eligible Qantas spending.

Its perks include complimentary airport lounge invitations and discounted companion fare offers that can save you up to 20% on eligible domestic flights. Outside of promotions, it has a $399 annual fee.

Qantas Premier Titanium

The Qantas Premier Titanium is an exclusive, metal credit card that earns 1.25 Qantas Points per $1 on eligible spending (capped at $12,500 a month for spending in Australia). It also earns 2 additional Qantas Points per $1 on spending with Qantas.

Perks with top-tier credit card include 20% bonus Status Credits on eligible flights, a 10% discount on eligible Qantas flights twice a year, Qantas First Lounge invitations and complimentary travel insurance. It has a $1,200 annual fee.

The Qantas Pay Card is a prepaid multi-currency Mastercard. This means you can add your own Australian money to the card, then convert it into one of 10 supported currencies – including US and Canadian dollars, Thai baht, Euros and Great British pounds.

This set-up means you can lock in currency exchange rates and save on foreign transaction fees. You also earn 1.5 Qantas Points for every equivalent AUD$1 spent in a foreign currency and 1 point per $4 spent in AUD.

Benefits of getting a Qantas Money credit card

  • Free Qantas Frequent Flyer membership offer

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 Premier 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.

  • 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 app

    The Qantas Money 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.

  • Instalment plans

    Statement Instalment 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 Premier credit card. This can make bigger purchases seem more manageable because you'll typically pay the same amount off the instalment each month.

Eligibility criteria

You can apply for a Qantas Premier credit card online in around 10 minutes. But before you apply, you'll need to meet the card's eligibility criteria. These are different for each card, but here's what to look for:

  • Income. The Qantas Premier Everyday and Qantas Premier Platinum have a minimum income of $35,000 per year. The Qantas Premier Titanium requires a minimum income of $200,000 per year.
  • Residential status. You must be an Australian citizen or permanent resident with an Australian mobile phone number.
  • Qantas Frequent Flyer member. This offer is only available to Qantas Frequent Flyer members but you can get a complimentary membership when you apply.
  • New customer. You'll need to be a new Qantas Premier credit card customer to get introductory bonus points and other offers.
  • Credit history. You must have a good credit rating.
  • Age. You must be at least 18 years or older.

Information and documents you need to apply

  • Personal information. This includes your name, phone number, email address, residential address and a valid form of ID, such as your driver's licence number.
  • Employment. This includes your current job, your employer's contact information or your accountant's details if you're self-employed. You'll also need to provide details of any savings.
  • Debts and liabilities. You need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly food budget, loan repayments and any existing credit card debts.

What happens after you apply?

Qantas Money will send you a confirmation email after you submit your application – it should come within 60 seconds. If your application is approved, you should get your card within 3-5 working days.

Frequently asked questions

Image: Qantas Money

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Amy Bradney-George's headshot

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise
Amy has written 596 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

More guides on Finder

  • Qantas Premier Titanium Credit Card

    The Qantas Premier Titanium credit card boasts a big bonus points offer, a $400 Qantas Luxury Holidays voucher, a competitive earn rate and a bunch of extra perks.

  • Qantas Premier Everyday Mastercard

    The Qantas Premier Everyday Mastercard is a low-fee credit card that earns Qantas Points as you spend in Australia, overseas and with Qantas.

  • Qantas Premier Platinum Mastercard

    This card from Qantas Money offers up to 100,000 bonus Qantas Points, discounted first-year annual fee, and plenty of travel perks including insurance and lounge passes.

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4 Responses

    Default Gravatar
    JamesFebruary 22, 2019

    Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?

      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!


    Default Gravatar
    BorisFebruary 12, 2019

    How many points do I have to redeem for sydney – budapest, business class?

      Default Gravatar
      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.


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