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Terms and conditions apply

Bonus points: 150,000
Purchase rate: 20.99% p.a.
Reward points per $ spent: 1.25
Annual fee: $1,200 p.a.

Our verdict

Offers 150,000 bonus Qantas Points, 20% Bonus Status Credits and 10% savings on the base fare of eligible Qantas-operated flights.

The Qantas Money Titanium is a top-tier credit card designed for big spenders and earners, with a minimum income requirement of $200,000 and a hefty annual fee of $1,200. It has a healthy Finder Score of 9.83 for frequent flyer, reflecting its high bonus points offer and lounge and Status Credit inclusions. With 150,000 bonus Qantas Points, you could get a one-way business class flight from Sydney to Los Angeles (130,100 Qantas Points) or 2 return business class flights from Brisbane to Melbourne (116,000 points), as an example.

It also gives you the potential to earn up to 3.25 points per $1 spent offered when you’re booking Qantas flights or paying for other Qantas services – although most of your everyday spending in Australia will earn 1.25 points per $1 spent (up to $12,500 per statement period). This card is also packed with other frequent flyer perks including 20% bonus Status Credits on Qantas flights, Qantas First Lounge invitations and complimentary travel insurance. So if you fly a lot and spend a lot on a credit card, these features and the earn rate could help justify its annual fee.

Pros

150,000 bonus Qantas Points offer
20% bonus Status Credits on eligible Qantas flights
10% off the base rate of eligible Qantas flights for up to 2 travellers twice per year

Cons

$1,200 annual fee
3% international transaction fee when you shop overseas or online with a business based overseas

Where could you fly with Qantas Money Titanium's 150K bonus points?

Calculation is based on Classic Rewards redemptions and doesn't include carrier charges, taxes and fees.

Who might the Qantas Money Titanium be suited for?

You spend heavily, but strategically. You’ll earn 1.25 Qantas Points per $1 on eligible domestic spend up to $12,500 per statement period, then it drops to 0.5 points per $1. That’s a great rate for big monthly spenders who stay under the cap.
You fly Qantas regularly and want VIP perks. This card gets you 2 Qantas First Lounge invitations, 2 Qantas Club passes and complimentary Qantas Money Credit Card Concierge access.
You earn over $200,000 a year. That’s the minimum income required to be eligible. So yes, this is a card for high-income customers.
You always pay your balance in full. With a 20.99% p.a. interest rate, the rewards only work in your favour if you avoid interest charges completely.

You might want to skip it if...

You’re not flying Qantas often. This card is very Qantas Points-specific. So it's not really suitable for people in the Velocity program or anyone who wants to earn more flexible rewards points or get shopping cashbacks. If you fly with different airlines or travel infrequently, the Amex Explorer or a flexible rewards card may be more practical.
You can’t justify the fee. At $1,200 per year, this is one of the most expensive credit cards on the market - ranked 5th highest in our entire database. If you’re not making full use of the upgrades, lounge passes and concierge, the value can quickly disappear.
You earn less than $200,000 a year. That’s the required income to apply, so it’s not suitable for most Australians.

Details

Product details

Product Name	Qantas Money Titanium
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$15,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$200,000
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	150,000
Rewards points per $ spent	1.25

Fees

Annual fee	$1,200
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	3%
Cash advance fee	3% of transaction value or $3, whichever is greater
Overseas cash advance fee	$5
Additional cardholder fee	$100

How to apply

You can apply for the Qantas Money Titanium credit card online by filling in a secure application form. Before you begin your application, make sure you meet the eligibility requirements and have the necessary information ready.

Eligibility criteria

Income. You must earn at least $200,000 per year.
Residency. You must be a permanent Australian resident and have an Australian residential address and mobile phone.

Qantas Frequent Flyer. This offer is only available to Qantas Frequent Flyer members but you can get a complimentary membership when you sign up for this card.
New customer. The bonus points offer is not available to existing Qantas Money primary cardholders.
Age. You must be at least 18 years old.

Required documents

Personal details. You need to include your full name, date of birth, contact details as well as details of your marital status and any dependents. You also need to provide your driver's licence, passport or Medicare details as proof of ID.
Employment. You'll be asked to confirm your employment and annual income, including payslips that are less than 45 days old or 3 bank statements.
Finances. This includes your household expenses (such as rent and bills), loan and credit card repayments.
Qantas Frequent Flyer details. You'll need your Qantas Frequent Flyer number and PIN when you start the application.

Go to Qantas Money's site More info

Card benefits

150,000 bonus Qantas Points. You'll earn 150,000 bonus Qantas Points when you spend $5,000 on eligible purchases within 90 days of approval as a new cardholder. Your points will be credited to your account within 2 months of meeting the spend criteria. Offer commenced on 11 February 2019 and may be varied or withdrawn anytime. Not sure what to do with your Qantas Points? Check out this guide for examples of what you can redeem them for – and tips on how to make the most of them.
Bonus Status Credits. You'll get 20% bonus Status Credits on eligible Qantas flights paid in full with your card. This will make it easier to climb the Qantas Status tiers to earn more Qantas Points and enjoy exclusive travel perks like Qantas Lounge access, priority boarding and extra checked baggage allowance. This offer excludes the ability to attain or retain Platinum One Status.

High Qantas Points earn rates. You'll earn 1.25 Qantas Points per $1 spent capped at $12,500 per statement period. After that, you'll collect 0.5 Qantas Points per $1. You'll earn 2 Qantas Points per $1 spent on foreign transactions and 2 additional points per $1 spent on eligible Qantas spend.
Qantas flight discounts. This card offers 10% off the base fare of eligible Qantas-operated flights for 2 people, up to 2 times per year. This includes both international and domestic flights when you book through the Qantas Money Credit Card Concierge and is available for all fare classes.
Lounge invitations. Each year you'll receive two Qantas First Lounge Invitations and two additional Lounge Invitations. The perks will vary between lounges, but you can usually look forward to high speed Wi-Fi, shower and toilet facilities plus complimentary dining, barista-made coffee and a fully stocked bar.
Complimentary travel insurance. The complimentary insurance includes medical emergency, travel cancellation and purchase protection. Your additional cardholders are also covered. Please see the complimentary insurance booklet for the eligibility requirements, exclusions and other terms and conditions.
Metal card design. The premium perks of this card are embodied in its unique metal design.
Qantas Money Credit Card Concierge service. Whether you need help making a restaurant reservation or booking your next holiday, you can get assistance from your concierge service.
Qantas Money Credit Cards app. You can manage your credit card balance, Qantas Frequent Flyer Points and browse the latest Card Offers through the Qantas Money Credit Cards app.
Mobile technology. Simply link this Qantas Money Titanium credit card to Apple Pay or Google Pay and start using your eligible device to make contactless payments when you shop.

Rates & fees

Annual fee. This card charges a high $1,200 annual fee.
Purchase interest rate. A 20.99% p.a. interest rate applies to purchases.

Interest-free days. If you pay your balance in full by the statement due date, you'll get up to 44 interest-free days on purchases. Please note that you will be charged interest on retail purchases when you carry a balance transfer debt.
Cash advances. If you use your card for cash advances (such as ATM withdrawals), you'll attract the 21.99% cash advance interest rate.
Minimum credit limit. This card has a minimum credit limit of $15,000.

Go to Qantas Money's site More info

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Qantas Money Titanium credit card Benefits T&C
2. Qantas Money Titanium credit card TMD

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Kirty

February 01, 2024

Hi. I have got the quanta’s titanium card for 2 years now. If we want to cancel the card, what happens to the points?

Amy Bradney-George Finder

February 05, 2024

Hi Kirty,

Qantas Points that have been added to your Qantas Frequent Flyer account will remain there as part of your points balance. But according to the Qantas Premier terms and conditions, you may not earn points if you cancel your card before they have been transferred to your frequent flyer account. If you have further questions, you can contact Qantas Money on 1300 992 700. I hope this helps.

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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. See full profile

Qantas Money Titanium Card

Pros

Cons

Where could you fly with Qantas Money Titanium's 150K bonus points?

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

Your reviews

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