Jetstar Credit Card

Last updated: 5 March 2020

Enjoy 0% interest on balance transfers for 14 months, a $250 travel voucher and $0 first year annual fee.

The Jetstar Credit Card combines rewards and cost-saving perks. Cardholders can collect their choice of Jetstar Dollars or Qantas Points as they spend. If you have existing credit card debt that you want to get under control, you can take advantage of 0% interest on balance transfers for 14 months.

0% p.a.

Balance transfer rate

for 14 months

19.99% p.a.

Purchase rate

Reward points

Per $ spent (Visa/Mastercard)

$0 p.a.

Annual fee

for the first year ($29 p.a. thereafter)

Details

Product Name	Jetstar Credit Card
Balance transfer rate	0% p.a. for 14 months
Balance Transfer Revert Rate	Purchase Rate (19.99% p.a.)
Maximum Balance Transfer Amount	$500
Purchase rate (p.a.)	19.99% p.a.
Annual fee	$0 p.a. annual fee for the first year ($29 p.a. thereafter)
Interest free period	55 days
Cash advance rate (p.a.)	19.99% p.a.
Min credit limit	$2,000
Card type	Visa
Foreign currency conversion fee (Visa/Mastercard)	3% of transaction value
Complimentary travel insurance	No

Minimum Income	$30,000
Minimum age	18 years of age
Available to temporary residents	No
Joint application	No

Pros

$250 travel voucher
$0 first-year annual fee ($29 p.a. thereafter)
0% p.a. on balance transfers for 14 months, with no BT fee

Cons

Purchase interest rate is relatively high
Does not come with concierge services or complimentary travel insurance

Annual fee	$0 p.a. annual fee for the first year ($29 p.a. thereafter)
Minimum monthly repayment	2% of the closing balance or $50, whichever is greater
Late payment fee	$35
Foreign currency conversion fee (Visa/Mastercard)	3% of transaction value
Cash Advance Fee	3% or $5, whichever is greater
Additional cardholder fee	$9
Number of Additional Cardholders	4

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Jetstar Credit Card is issued by Macquarie Bank and packed with extra features to reward loyal Jetstar flyers. If you’re a regular Jetstar flyer, you can earn Jetstar Dollars that you can redeem for travel vouchers with the airline. If you prefer to earn Qantas Points as you spend, there are some other cards with more competitive earn rates.

You could repay your debt faster and cheaper with the interest-free balance transfer, but you won’t earn points this way. The Jetstar Credit Card charges a competitive purchase rate, but you’ll get the most value from your points if you’re paying off your balance in full each month and avoiding interest altogether.

How to apply

You can apply for the Jetstar Credit Card online in 10 minutes. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

Income. You must earn a taxable income of at least $30,000 p.a.
Credit history. You'll need a good credit score with a healthy credit history to receive approval.

Residency. This card is only available to permanent Australian residents.
Age. You must be at least 18 years old to apply.

Required documents

Personal information. This includes your full name, date of birth, contact information, residential address, marital status and number of dependents. You'll also need to provide proof of identity such as your driver's licence number.
Finances. You'll need to confirm and provide evidence of your annual income. You'll also need to provide details about monthly expenses, assets (such as savings, property and superannuation) and liabilities (including other credit cards, loans and mortgages).
Employment. Confirm your current place of employment, occupation and provide your employer's name and contact information. If you're self-employed or retired, you can list your accountant's contact information.

Card benefits

Travel voucher. The Jetstar Credit Card rewards you with $250 travel voucher when you apply by 30 May 2020 and spend at least $2,000 on eligible purchases within the first 90 days from approval.
$0 first-year annual fee. Enjoy a $0 annual fee in the first year (reverts to $29 p.a. thereafter).

Balance transfer offer. Save on interest costs and repay your debt faster with a 0% p.a. balance transfer rate for 14 months. The variable purchase rate of 19.99% p.a. applies at the end of the promotional period.
Awards. Earn 1 Jetstar Dollar for every $200 spent on eligible purchases, up to 1,000 Jetstar Dollars per year.
Complimentary Club Jetstar membership. Valued at $55, the Jetstar Credit Card entitles you to a complimentary Club Jetstar membership. This gives you early access to sales, discounts on insurance, the ability to share your benefits and more.
In-flight discounts. When you pay with your card you'll save 10% on all inflight food and drinks on Jetstar flights.
Interest-free flying. You'll save with 0% interest for 6 months when you use your card to pay for a flight or hotel booking of $300 or more through the Jetstar website or call centre. The standard purchase rate will apply to these transactions beyond 6 months.
No booking or service fees with Jetstar. When you use your Jetstar Credit Card to book flights on the Jetstar website or call centre, you can avoid the standard Booking and Service fee.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $29 p.a.
Interest rates. The Jetstar Credit Card charges 19.99% p.a. interest on purchases and cash advances.

Interest-free days. If you pay your account's outstanding balance completely before each due date, you can make use of 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.
Additional cards. You can request up to 4 additional cards, though you'll have to pay an annual additional card fee of $9 each.

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Jetstar Credit Card