Qantas Money Everyday Card

• Qantas Frequent Flyer. You must be a Qantas Frequent Flyer member to apply for this card. If you're not already a member, you can join for free during the application.
• Residency. You must be an Australian permanent resident to apply for this credit card. You also need to have an Australian residential address and mobile phone number.
• Age. You must be at least 18 years old to apply for a credit card in Australia.
• Eligible balance transfer debt. If you plan to make use of the balance transfer, you can transfer up to 80% of your available credit limit.

Required documents

• Personal details. This includes your full name, date of birth, Australian residential address, email address and an Australian mobile phone number.
• Identification. This includes your driver's licence, passport or Medicare number.
• Employment. Provide details of your current employer, role, salary and your employer's contact details. You may also be asked to submit recent payslips or your work agreement as supporting documentation. If you're self-employed, you should provide details of your tax accountant and recent Tax Assessment Notices.
• Finances. List any assets (like savings or investments) and debts (such as existing cards or loans) that you have. You'll also be asked to estimate your regular expenses for essentials such as food, housing and utilities.
• Balance transfer details. You'll need to provide the name of the financial institution, BPAY reference number and the amount you want to transfer available.

• Earn Qantas Points as you spend. You'll earn 0.75 Qantas Points per $1 on eligible spending in Australia up to $3,000 per statement period (2,250 points) and 0.4 Qantas Points per $1 spent after that. For international spending, you'll earn 1 Qantas Point per $1 spent. Eligible transactions include most everyday purchases, such as retail shopping, food and drinks, petrol and travel bookings. Transactions that won't earn points include cash advances, balance transfers and BPAY payments. This card also offers 1 additional Qantas Point per $1 spent on eligible Qantas spend.
• Complimentary overseas travel insurance. When you book eligible travel on your card, you can take advantage of medical emergency insurance cover of up to $1,000,000 plus travel cancellation cover of up to $20,000.
• Qantas Money Credit Card Concierge service. Primary cardholders get access to a 24/7 concierge service available to assist with everything from party planning to beauty and fitness services to medical and travel assistance.
• Fraud protection. You can shop with peace of mind thanks to Mastercard's Zero Liability cover.
• Qantas Money Credit Cards app. You can track your spending, balance and points on the go and in one place with the Qantas Money Credit Cards app.
• Mobile payment compatibility. Make payments by tapping your Apple Pay or Google Pay compatible device at a contactless terminal when you add this card to the digital wallet.

• Interest-free days. If you pay your balance in full by the statement due date, you can save with up to 44 interest-free days on purchases. You won't be eligible for interest-free days if you're paying off a balance transfer debt.
• Cash advances. Cash advances, such as ATM withdrawals, will attract the variable 21.99% p.a. cash advance interest rate. They will also be subject to a fee of 3% of the transaction amount or $3 (whichever is greater).
• International transaction fee. If you use your card to make a foreign transaction overseas or shopping online, you'll be charged a 3% foreign transaction fee.