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Qantas American Express Discovery Card

Sally McMullen
Sally McMullen
Last updated:  

Save with an ongoing $0 annual fee with the Qantas American Express Discovery Card.

Get Qantas Points for your spending and pay no annual fee with the Qantas American Express Discovery. In addition to the $0 annual fee, you can save on potential interest costs with up to 44 interest-free days on purchases. The points-earning potential is uncapped and you can also benefit from complimentary purchase and refund protection.

20.74% p.a.

Purchase rate

0.75

Reward points

Per $ spent (American Express)

$0 p.a.

Annual fee

44 days

Interest free period

Details

Product NameQantas American Express Discovery Card
Rewards programQantas Frequent Flyer
Purchase rate (p.a.)20.74% p.a.
Annual fee$0 p.a.
Interest-free period44 days
Min credit limit$2,000
Card typeAmerican Express
Foreign currency conversion fee (American Express)3%
Complimentary travel insuranceNo
Minimum Income$35,000
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationNo

Pros

  • Ongoing $0 annual fee
  • Complimentary purchase and refund protection
  • Earn 0.75 Qantas Points per $1 spent and 0.5 points per $1 with government bodies in Australia

Cons

  • Charges a 3% foreign transaction fee
  • Only offers up to 44 days interest-free on purchases, as compared to other cards that offer 55 days
Rewards programQantas Frequent Flyer
Rewards Points per $ spent (AMEX)0.75
Rewards Points per $ Cap (American Express)Uncapped
Annual fee$0 p.a.
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee (American Express)3%
Additional cardholder fee$0
Number of additional cardholders4
Go to American Express's siteMore info

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Qantas American Express Discovery Card is suited to those who want to earn points on eligible purchases while saving on regular credit card costs. It earns 0.75 Qantas Points per $1 spent on eligible purchases and an additional 1 point per $1 spent on selected Qantas products and services in Australia. Plus, it's one of the only Qantas Frequent Flyer credit cards on the market with an ongoing $0 annual fee.

How to apply

You can apply for the Qantas American Express Discovery Card 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

  • Minimum income. Your pre-tax or gross income must be at least $35,000 p.a.
  • Residential status. You must be an Australian citizen, permanent resident or holder of a current long term visa (12 months or more, not including student visas) to be eligible to apply.
Go to American Express's siteMore info

Card benefits

  • $0 annual fee. Rare for a frequent flyer credit card, the Qantas American Express Discovery charges no annual fee for the life of the card. To earn points faster, you can also request up to 4 additional cards for $0 annual fee.
  • Uncapped Qantas Points. Earn 0.75 Qantas Points per $1 spent on everyday purchases, and 0.5 Qantas Points per $1 spent with government bodies in Australia. You will also earn an additional 1 Qantas Point per $1 spent on selected Qantas products and services in Australia. These points are uncapped and will be credited to your Qantas Frequent Flyer account every month.

Rates & fees

  • Interest rate. The Qantas American Express Discovery card charges a variable interest rate of 20.74% p.a. on purchases. There is no cash advance option available on this card.
  • Interest-free days. When you pay your balance in full by the due date on each statement, you can enjoy up to 44 days interest-free on purchases.
Go to American Express's siteMore info

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419 Comments

  1. Default Gravatar
    Amalia
    October 17, 2019

    Hi,

    I’m wondering if I purchase a flight with my Discovery Amex card is their travel insurance with that? And even though there is no lounge freebies, can I purchase a lounge ticket anyway while travelling overseas?

    Thank you!

    Reply
    • Avatarfinder Customer Care
      Jeni
      October 19, 2019

      Hi Amalia,

      Thank you for getting in touch with Finder.

      As of this writing, your Qantas American Express Discovery Card doesn’t have complimentary travel insurance. You may use this card to purchase a lounge ticket while travelling but you need to verify with the lounge if you may purchase access.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  2. Default Gravatar
    Nav
    August 7, 2019

    Is the balance transfer offer a one-off promotion or do they typically have an ongoing promotion (e.g. most St George bank cards)?

    Reply
    • Avatarfinder Customer Care
      Jeni
      August 7, 2019

      Hi Nav,

      Thank you for getting in touch with Finder.

      This Qantas American Express Discovery credit card’s balance transfer offer is just for new application only. To know other promotions they have for existing customers, please contact American Express directly.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  3. Default Gravatar
    Bryan
    October 15, 2018

    My Wife and I are { Full } Age Pensioners. Have no debt and own our own home and current Mazda6 Atenza. Pls inform if OK.

    Reply
    • Avatarfinder Customer Care
      John
      October 16, 2018

      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

      Reply
  4. Default Gravatar
    Denis
    July 17, 2018

    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

    Reply
    • Default Gravatar
      Nikki
      July 17, 2018

      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

      Reply
  5. Default Gravatar
    Phil
    June 26, 2018

    Can you use the Q Amex Discovery Card to BPay bills and receive points? Thanks

    Reply
    • Avatarfinder Customer Care
      Jhez
      June 26, 2018

      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

      Reply
  6. Default Gravatar
    Campbell
    June 19, 2018

    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?

    Reply
    • Default Gravatar
      Arnold
      June 19, 2018

      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

      Reply
  7. Default Gravatar
    Ann
    June 15, 2018

    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’?

    Reply
    • Default Gravatar
      Arnold
      June 16, 2018

      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

      Reply
  8. Default Gravatar
    Josh
    April 11, 2018

    Hi There

    Would you know if Quantas points are able to be earned if this card is acquired after the purchase of Qantas flights?

    Reply
    • Default Gravatar
      Nikki
      April 11, 2018

      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

      Reply
  9. Default Gravatar
    Nick
    August 16, 2017

    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

    Reply
    • Avatarfinder Customer Care
      Harold
      August 16, 2017

      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

      Reply
  10. Default Gravatar
    Kerry
    July 5, 2017

    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!

    Reply
    • Default Gravatar
      Jonathan
      July 6, 2017

      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

      Reply
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