Qantas American Express Discovery Card
- $0 annual fee
Eligibility criteria, terms and conditions, fees and charges apply
Enjoy a 0% p.a. balance transfer offer, $0 annual fee and Qantas Points with the Qantas American Express Discovery Card.
The Qantas American Express Discovery Card gives you a wide range of rewards and savings, offering Qantas Points on every dollar spent on eligible purchases and $0 annual fee for the life of the card.
If you want to consolidate existing credit card debt, you can also take advantage of 0% p.a. on balance transfers for 12 months when you apply online and are approved. A one-off 1% balance transfer fee applies for this offer.
| Product Name | Qantas American Express Discovery Card |
|---|---|
| Rewards Program | Qantas Frequent Flyer |
| Balance transfer rate (p.a.) | 0% p.a. for 12 months with 1% balance transfer fee |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Purchase Rate (20.74% p.a.) |
| Balance Transfer Limit | 70% of available credit limit |
| Maximum Balance Transfer Amount | $10,000 |
| Purchase rate (p.a.) | 20.74% p.a. |
| Annual fee | $0 p.a. |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 44 days on purchases |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $2,000 |
| Card Type | American Express |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | No |
| Minimum Income | $35,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Annual fee | $0 p.a. |
|---|---|
| Minimum Monthly Repayment | 2.5% or $30, whichever is greater |
| Late Payment Fee | $30 |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 4 |
Pros
- $0 annual fee ever which is a rarity for a prestigious card plus, equal points for spending
- This card comes with a promotional balance transfer rate of 0% p.a. for 12 months.
- Your points will be transferred straight into your Qantas Frequent Flyer account.
- 24/7 assistance covers fraud, replacement cards and theft. AMEX purchase protection covers you for the stolen, broken or defective items within 90 days of purchase.
Cons
- A one-off 1% balance transfer fee applies.
- It only gives you up to 44 interest-free days on purchases as opposed to other cards that offer up to 55 days.
| Rewards Program | Qantas Frequent Flyer |
|---|---|
| Rewards Points per $ spent (AMEX) | 1 |
| Rewards Points per $ (AMEX) Cap | Uncapped |
Benefits of the Qantas American Express Discovery Card
- $0 annual fee. This credit card charges no annual fee for the life of the card, which is rare for a Qantas Frequent Flyer credit card. You can also request up to 4 additional cards with $0 annual fee.
- Balance transfer offer. You can use the card to pay off existing card debt with a low introductory balance transfer rate of 0% p.a. for 12 months. The maximum amount that you can balance transfer is $10,000 or 70% of your approved credit limit, whichever is less. Keep in mind there is a one-off credit plan establishment fee of 1% of the total balance transferred to the card.
- Earn Qantas Points as you spend. This card offers 1 Qantas Point per $1 spent on everyday purchases. You can also earn an additional 1 Qantas Point per $1 when you spend on selected Qantas products and services in Australia and 0.5 Qantas Points per $1 when you spend on government bodies. Not many cards offer reward points on government transactions, so this card could come in handy if you plan to pay your ATO bills with plastic come tax time. Please note that the earn rates are due to change from 15 April 2019. You can compare the upcoming changes in this detailed guide.
- No points cap. The Qantas Points you earn are uncapped and will be credited to your Qantas Frequent Flyer account every month. You can redeem your Qantas Points for both travel and everyday rewards – browse the Qantas Frequent Flyer website to discover where your points can take you. Note that you must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply.
- Contactless and mobile payments. The Qantas American Express Discovery Card allows you to make "tap and go" payments at the checkout and is compatible with mobile payment apps including Apple Pay, Samsung Pay and Google Pay.
- Complimentary purchase insurances. This card offers purchase protection insurance to cover the cost of repairing or replacing eligible items if they are accidentally broken or stolen within 90 days of purchase. It also offers refund protection insurance to cover the cost if you're refused a refund on an unused eligible item within 90 days of purchase.
Features of the Qantas American Express Discovery Card
- Interest rate. This card has a standard variable interest rate of 20.74% p.a.
- Balance transfer revert rate. If you take advantage of the balance transfer offer, any debt remaining at the end of the introductory period will be charged interest at the standard variable rate of 20.74% p.a.
- Interest-free days. This card offers up to 44 days interest-free on purchases if you pay your balance in full by the due date on each statement.
- Currency conversion rate. A 3% fee applies for transactions made in a foreign currency overseas or online.
- Global card support. Qantas American Express Discovery Card members enjoy global card support services 24/7 and emergency card replacement services that can help you get a card replaced in as little as 48 hours.
- Fraud protection. The card comes with an online fraud protection guarantee. This means you won't be held responsible for any unauthorised charges online as long as you notify AMEX immediately upon discovery of the fraudulent transactions.
How to apply for the Qantas American Express Discovery Card
You can apply for the Qantas American Express Discovery Card online in around 10 minutes. Before you get started, make sure you meet the eligibility criteria and have all the required information on hand.
Eligibility criteria checklist
- Age. You must be at least 18 years old to apply for this card.
- Residential status. You must be an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457).
- Minimum income. Your pre-tax or gross income must be at least $35,000.
- Credit history. You must have no history of bad debt or payment default to receive approval.
Required documents and personal information
- Personal information. This includes your full name, residential address, email address and driver's licence number.
- Employment information. This includes your position, salary and your employer's name and contact details. You may also be required to provide several recent payslips.
- Financial information. This includes any assets you have, such as shares, investments or savings. It also includes any existing debts from cards or loans, and ongoing financial commitments such as bills, rent or household expenses.
The Qantas American Express Discovery card offers features and rewards for both frequent flyers and savvy spenders, and also has a $0 annual fee. As this isn't the only frequent flyer credit card on the market, make sure you compare a range of options before applying.
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My Wife and I are { Full } Age Pensioners. Have no debt and own our own home and current Mazda6 Atenza. Pls inform if OK.
Hi Bryan,
Thank you for leaving a question.
For you to apply for the Qantas American Express Discovery Card your pre-tax or gross income must be at least $35,000. If you qualify under this based on the pension you receive, you may call them directly to inquire on applying for this card. Please call 1300 727 065 for further information or click on the “Go to site” button located near the top of the page to be routed directly to their website. Hope this helps!
Cheers,
Reggie
I am a frequent flyer member , If I book and pay for Qantas flights with a travel agent with my Amex Discovery card , do I still receive the frequent flyer points
Hi Denis,
Thanks for getting in touch!
Yes, you can still earn the frequent flyer points even if this is booked through a travel agent as long as you use your AMEX Discovery card.
Hope this helps!
Regards,
Nikki
Can you use the Q Amex Discovery Card to BPay bills and receive points? Thanks
Hello Phil,
Thank you for your comment.
Upon checking, you can earn 0.5 Qantas Points per $1 when you spend on government bodies or have government transactions and paying your ATO bills using the Qantas American Express Discovery Card.
Regards,
Jhezelyn
I presently have a Black Westpac card. Up to April this year I also had a companion Amex card. As you are aware the Amex card was canceled however the Westpac card is still in place. Will Amex offer me a replacement card? AS I already have an Amex Qantas Express Discovery card is this the reason?
Hi Campbell,
Thanks for your inquiry
According to the terms and conditions of the card, Amex will not send a replacement card. You will have to reapply for the card in order to enjoy its current offers. Please note that the current offer is not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period.
Hope this information helps
Cheers,
Arnold
I am retired (63 yo) and have a healthy income, in excess of your required $35K. I have an excellent credit rating. Am I eligible to apply for the ‘Qantas American Express Credit Card’?
Hi Ann,
Thanks for your inquiry
Yes, it seems that you meet all the eligibility requirements shown above. To apply for the card, please click the green ‘go to site’ button to be redirected to their site.
Hope this information helps
Cheers,
Arnold
Hi There
Would you know if Quantas points are able to be earned if this card is acquired after the purchase of Qantas flights?
Hi Josh,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
The Qantas American Express Discovery Card offers Qantas Points for every dollar spent on eligible purchases. If you used a credit card earning Qantas points you may still earn the points from the flights you bought from Qantas.
Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki
The responses to self funded retirees is not clear.
If our income is from an account based pension from our superannuation fund is that accepted as eligible income?
Thanks
Hi Nick,
Thank you for your inquiry.
Generally, as long as your pre-tax or gross income is at least $35,000 you might be eligible for this product. It would be nice also to clarify this matter directly with AMEX.
I hope this information has helped.
Cheers,
Harold
Hi. Would like to apply but as I’ve just retired it will need to be in my husband’s name. He earns over the required $35,000 pa. We are both Qantas Frequent Flyer members.
If I become an additional cardholder, with my own card, will Qantas Frequent Flyer points be distributed to my membership for my purchases or will all points be distributed to my husband’s frequent flyer membership?
Cheers!
Hello Kerry!
Thanks for the comment. Interesting question you have there! :)
It goes to your husband’s as you can only nominate one Qantas Membership Number per card account (not each card).
Hope this clarifies.
Cheers,
Jonathan
I am a self funded retire but my wife is still working and earns above the $35,000 limit, can I still qualify for a discovery card, or would my wife have to apply for the card.
Hi Kenneth,
Thanks for your question.
American Express, the issuer of this card, may consider retired applicants, however, you need to provide documents to support your annual income excluding superannuation, total superannuation balance, accountant details to confirm income claim.
If your wife meets the other eligibility criteria listed above, she may also apply for this card.
Cheers,
Anndy
Does your company have a card for people whose income is below $35,000. I.e. Pensioner with blameless credit history with income of full pension and very small amount of extra income (few shares and very small AMP income
Also own house outright
Already have ANZ linked American Express card but not happy with what will happen to it with looming changes
Hi Jeanette,
Thank you for your inquiry.
If you are a pensioner you may want to check the available options here.
I hope this information has helped.
Cheers,
Harold