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Bonus points: 150,000
Purchase rate: 19.99% p.a.
Reward points per $ spent: 1.25
Annual fee: $1,200 p.a.

Our verdict

Offers 150,000 bonus Qantas Points and a $400 Qantas Luxury Holidays voucher when you meet the spend requirements, with a $1,200 annual fee.

The Qantas Premier 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. With 150,000 bonus Qantas Points, you could get a one-way business class flight from Sydney to London (144,600 Qantas Points) or 2 return business class flights from Brisbane to Adelaide (110,400 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, interest-free flight offers, 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
$400 Qantas Luxury Holidays voucher
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
Two complimentary single-entry lounge invitations to Qantas First Lounges

Cons

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

The Qantas Premier Titanium Credit Card earns a very high rate of 1.25 Qantas Points per $1 on all eligible spending in Australia (capped at $12,500 per statement period) and 2 points per $1 spent overseas. Right now, it offers 150,000 bonus Qantas Points and $400 Qantas Luxury Holidays voucher when you spend $5,000 on eligible purchases in the first 3 months from card approval.

The Qantas Premier Titanium also offers 20% bonus Status Credits on eligible Qantas flights booked with your card, flight discounts and complimentary Qantas First Lounge invitations. It has an annual fee of $1,200.

Details

Product details

Product Name	Qantas Premier Titanium
Balance transfer rate p.a.	0% for 6 months, 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	$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% or $3, whichever is greater
Overseas cash advance fee	$5
Additional cardholder fee	$100

How to apply

You can apply for the Qantas Premier 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 introductory offers are not available to existing Qantas Premier 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 3 months 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.
$400 Qantas Luxury Holidays voucher. Receive a $400 Qantas Luxury Holidays voucher when you apply as a new cardholder between 02 May 2024 and 01 August 2024 and spend $5,000 or more on eligible purchases within 3 months of card approval. Your Qantas Luxury Holidays voucher will be sent to you within 8 weeks of meeting the spend criteria.

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 Premier Titanium 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.
6 months interest-free on first Qantas purchase. When you use your card to pay for your first Qantas transaction (such as flights, Qantas Club fees, Qantas gift vouchers, Qantas Marketplace and more) you'll pay no interest for the first 6 months.
Concierge service. Whether you need help making a restaurant reservation or booking your next holiday, you can get assistance from your Qantas Premier concierge service.
Balance transfer offer. You can repay an existing debt and save on interest with 0% p.a. on balance transfers for 6 months. After the introductory period, any remaining balance will attract the card's cash advance rate (currently 21.99% p.a.). You will be charged interest on retail purchases while you have a balance transfer. Offer commenced on 11 February 2019 and may be varied or withdrawn anytime.
Qantas Money app. You can manage your credit card balance, Qantas Frequent Flyer Points and browse the latest Card Offers through the Qantas Money app.
Mobile technology. Simply link this Qantas Premier 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 19.99% 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 55 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

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Amy Finder

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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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Qantas Premier Titanium Credit Card

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