How to apply
You can apply for the Qantas Money Platinum credit card online in 10 minutes. Before you apply, check if you meet the eligibility criteria and that you have the necessary information to complete the application:
Eligibility criteria
- Income. You must earn at least $35,000 per year to apply for this card.
- New customer. To be eligible for the bonus points offer you must not be a primary cardholder of another Qantas Money credit card. And you must not have qualified for any bonus Qantas Points on a Qantas Points earning credit card within the last 24 months.
- Qantas Frequent Flyer Membership status. You must be a current Qantas Frequent Flyer member to apply for this card. If you're not a member, you can join for free upon application.
- Residence. You must be a permanent Australian 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.
Required documents
- Personal details. This includes your full name, date of birth, residential address, email address and a contact number.
- Identification. This includes your driver's license or passport.
- 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.
- Finance. Provide information about any other assets (such as savings and investments) and debts (such as existing cards or loans). You'll also be asked to estimate your regular expenses for essentials such as food, housing and utilities.
Card benefits
- Up to 100,000 bonus Qantas Points. Earn 60,000 bonus Qantas Points when you apply as a new cardholder and spend at least $5,000 on eligible purchases within the first 90 days of card approval and an additional 40,000 bonus points if you meet the spend criteria for the 60,000 bonus points and haven't earned Qantas Points with a credit card in the last 24 months. Most of your everyday spending will be eligible to earn points, but transactions that aren't eligible purchases include cash advances, balance transfers, BPAY payments and government-related transactions. Your bonus points will be credited to your account within 2 months of meeting the spend requirement. Offer started on 08 September 2025 and may be varied or withdrawn anytime.
- Discounted first-year annual fee. Pay a $349 first-year annual fee ($399 p.a. after). Offer started on 1 June 2023 and fees are subject to change.
- Discounted companion flight offer. Book flights via the booking portal on your Qantas Money account to get up to 20% off selected domestic flights for you and 8 friends when you travel together on the same booking number, day and flight(s). Offer applicable once per anniversary year.
- Qantas Points per $1 spent. You'll earn:
- 1 Qantas Point per $1 spent on eligible purchases in Australia up to $10,000 per month, then 0.5 points per $1 spent above $10,000 per statement period
- 1 additional Qantas Point per $1 spent on Qantas flights, Qantas Club membership and purchases through the Qantas Marketplace
- 1.5 points per $1 spent overseas
- Airport lounge invitations. Travel in style with 2 single-entry complimentary lounge invitations each year on your anniversary card. These passes can be used at domestic Qantas Club lounges or Qantas-operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge).
- Complimentary travel insurance. Enjoy peace of mind on your overseas trips with complimentary travel insurance issued by Chubb Insurance Australia Limited under a Master Policy with National Australian Bank Limited.
- Qantas Money Credit Card Concierge service. Your dedicated concierge can help you with anything from travel bookings to restaurant recommendations, hotel reservations and event tickets.
- Mobile payment technology. You can link your Qantas Money credit card with Apple Pay and Google Pay to make contactless payments using your compatible device at the checkout.
Rates & fees
- Annual fee. This card charges a standard annual fee of $399.
- Purchase rate. The variable purchase interest rate for this card is 20.99% p.a.
- Interest-free days. Pay your balance in full by the due date on each statement and you can enjoy up to 44 days interest-free on purchases. Please note that you will be charged interest on retail purchases when you carry a balance transfer debt.
- Cash advance rate. If you use this card for cash advance transactions, an interest rate of 21.99% p.a. will apply. You will also be charged a domestic cash advance fee of 3% of the transaction amount or $3 (whichever is greater), or $5 if you're overseas.
- Additional cardholder. You can earn more points and manage your family spending by requesting up to 4 additional cardholders. A fee of $50 per year applies for each supplementary card you add to your account. Note that you will also be responsible for keeping the account in good standing if you share your account with any additional cardholders.
