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Qantas American Express Discovery Card

This credit card offers the rare combination of points per $1 spent and an ongoing $0 annual fee, but doesn't have many other frequent flyer perks.

The Qantas American Express Discovery is suited to people who want to earn points for their everyday spending without paying a credit card annual fee. It also earns between 0.5 and 1.75 Qantas Points per $1 on eligible spending – with 0.75 points per $1 earned on most of your everyday purchases. This is competitive with other frequent flyer cards that have low or no annual fee. In comparison, cards with higher annual fees usually offer more perks like airport lounge passes or insurance – so think about whether you’d get more value from these features or from paying no annual fee.

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20.74% p.a.

Purchase rate

0.75

Reward points

Per $ spent

$0 p.a.

Annual fee

44 days

Interest free period

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Details

Product NameQantas American Express Discovery Card
Rewards programQantas Frequent Flyer
Purchase rate p.a.20.74%
Annual fee$0
Interest-free periodUp to 44 days on purchases
Min credit limit$2,000
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$35,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo

Pros

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

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
Bonus pointsN/A
Rewards points per $ spent0.75
Rewards points capUncapped
Annual fee$0
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%
Additional cardholder fee$0
Number of additional cardholders4

Review by


Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Qantas American Express Discovery Card is one of the only Qantas Frequent Flyer credit cards on the market with an ongoing $0 annual fee. It earns 0.75 Qantas Points per $1 on everyday, eligible spending and 0.5 Qantas Points per $1 with government bodies. And you’ll get the maximum earn rate of 1.75 points per $1 when you use it to pay for select Qantas flights or other eligible products and services.

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.

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, 0.5 Qantas Points per $1 spent with government bodies in Australia and 1.75 Qantas Points 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 get up to 44 days interest-free on purchases.

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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!

    • 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

  2. Default Gravatar
    Anonymous
    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)?

    • 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

  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.

    • 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

  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

    • 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

  5. Default Gravatar
    Phil
    June 26, 2018

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

    • 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

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