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Balance transfer rate for 12 months with 2% balance transfer fee: 0% p.a.
Bonus points: 8,000
Purchase rate: 19.99% p.a.
Reward points per $ spent: 0.75

Our verdict

Offers up to 8,000 bonus Qantas Points, complimentary travel insurance and a relatively competitive $99 annual fee.

The Qantas Premier Everyday Mastercard doesn't have the biggest bonus points offer on the market and, unlike many other offers, the bonus points are awarded based on each $1 you spend. That means, to collect the maximum 8,000 bonus Qantas Points on offer, you’d need to spend $4,000 in the first 4 months – an average of around $1,000 per month. That spend requirement is still competitive when compared to other frequent flyer cards with low annual fees.

To give you an idea of your points potential, you could use 8,000 Qantas Points for a one-way economy flight from Brisbane to Sydney (8,000 points). If flying isn’t on the cards yet, you could also use these points to get $25 worth of Woolworths WISH digital gift cards through the Qantas Marketplace (5,220 points for one $25 gift card).

Keep in mind that points per $1 spent are the main Qantas Frequent Flyer benefit on this card, so if you want a bigger bonus points offer or perks like Qantas Club lounge invitations and discounts, you could consider the Qantas Premier Platinum Mastercard.

Pros

Earn 2 bonus Qantas Points per $1 spent on eligible purchases (up to 8,000 bonus Qantas Points)
Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period (2,250 points) and 0.4 points per $1 spent thereafter
Access to complimentary overseas travel insurance

Cons

Balance transfer offer charges a one-time 2% BT fee
Charges a 3% foreign transaction fee
Domestic spend threshold of $3,000 before lower points earn rate kicks in is low

The Qantas Premier Everyday Mastercard is designed for frequent flyers who want a competitive Qantas Point earn rate without a high annual fee. You will earn 2 bonus Qantas Points per $1 spent on eligible purchases that you make in the first 4 months from card approval, up to a total of 8,000 bonus Qantas Points.

These bonus points are in addition to the ongoing earn rate of 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period (0.4 Qantas Points per $1 spent thereafter). While there are Qantas credit cards that offer higher earn rates than this, most of them also have annual fees a lot higher than this card's $99.

Details

Product details

Product Name	Qantas Premier Everyday
Balance transfer rate p.a.	0% for 12 months with 2% balance transfer fee, then 21.99%
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$4,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$35,000
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	8,000
Rewards points per $ spent	0.75

Fees

Annual fee	$99
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% or $3, whichever is greater
Overseas cash advance fee	$5
Additional cardholder fee	$25
Number of additional cardholders	4

How to apply

You can apply for the Qantas Premier Everyday Mastercard online in 10 minutes. To get started, make sure you meet the eligibility requirements and have the relevant documents and details on hand.

Eligibility criteria

Income. You must earn at least $35,000 per year to apply for this card.
New customer. You won't be eligible to apply for this card if you are the primary cardholder of another Qantas Premier credit card account. You will be ineligible for the bonus points if you are currently a primary cardholder of another Qantas Money credit card, or have closed, or qualified for bonus Qantas Points on one of those credit cards within the last 12 months.

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 citizen or permanent resident to apply for this credit card. You also need to have an Australian residential address and mobile phone number.
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.
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, 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.

Go to Qantas Money's site More info

Card benefits

Up to 8,000 bonus Qantas Points. Apply for a new card and you will earn 2 bonus Qantas Points per $1 spent on eligible purchases you make in the 4 months from card approval, up to a total of 8,000 bonus Qantas Points. These bonus points are in addition to the standard Qantas Points per $1 you'll earn with this card.
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 Premier Concierge. 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.
Balance transfer offer. If you need to pay down an existing debt, you can take advantage of a balance transfer offer of 0% p.a. for the first 12 months, with a one-time 2% balance transfer fee. Any remaining balance at the end of the introductory period will accrue interest at the cash advance rate (currently 21.99% p.a.). Note that you won't be eligible for interest-free days on purchases when you have a balance transfer debt.
Fraud protection. You can shop with peace of mind thanks to Mastercard's Zero Liability cover.
Qantas Money app. You can track your spending, balance and points on the go and in one place with the Qantas Money 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.

Rates & fees

Annual fee. This card charges a competitive standard annual fee of $99. If you choose to add an additional cardholder, a $25 annual fee applies for each additional cardholder.
Purchase rate. The variable interest on purchases is 19.99% p.a.

Interest-free days. If you pay your balance in full by the statement due date, you can save with up to 55 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 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.

Go to Qantas Money's site More info

Sources

Qantas Premier Everyday Mastercard TMD

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Qantas Premier Everyday Mastercard

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