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 earns between 0.5 and 1.75 Qantas Points per $1 on eligible spending, which 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.
Qantas American Express Discovery Card

- Purchase rate
- 23.99% p.a.
- Reward points per $ spent
- 0.75
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
This no annual fee Amex card offers Qantas Points per $1 spent, but doesn't have many other frequent flyer perks.
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
-
High 23.99% p.a. interest rate on purchases
-
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
Details
Product details
Product Name | Qantas American Express Discovery Card |
Purchase rate p.a. | 23.99% |
Interest-free period | Up to 44 days on purchases |
Min credit limit | $2,000 |
Card type | American Express |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Minimum income | $35,000 |
Joint application | No |
Rewards
Rewards program | Qantas Frequent Flyer |
Bonus points | N/A |
Rewards points per $ spent | 0.75 |
Rewards points cap | Uncapped |
Fees
Annual fee | $0 |
Minimum monthly repayment | 2.5% of the closing balance or $30, whichever is greater |
Late payment fee | $30 |
Foreign currency conversion fee | 3% |
Additional cardholder fee | $0 |
Number of additional cardholders | 4 |
Your reviews

Amy Finder
Editor
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Amy Bradney-George Finder
March 09, 2023
Hi Chris,
That’s correct, there is currently a 0% interest rate on purchases for the first 12 months. That applies to all purchases during that period. The key conditions are that you would need to pay at least the minimum amount due on each statement, and any unpaid purchase baalnce at the end of the 12-month period would be charged interest at the card’s purchase rate. Hope this helps!
Show more Show less

Cb
November 20, 2022
Hi, can you confirm that the 44 days of interest free purchases applies only after the first 12 months, during which there is no limit of days at interest free?

Amy Bradney-George Finder
February 24, 2023
Hi Cristian,
When there is a promotional 0% interest rate on purchases, it applies for the entire introductory period. This means the standard interest-free days aren’t necessary during that time. Outside of any 0% purchase rate promotions, the Qantas American Express Discovery Card offers up to 44 days interest-free on purchases when you pay the full amount listed on each statement by the due date.
Regards,
Amy
Show more Show less

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!
Jeni Finder
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
Show more Show less

August 07, 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)?
Jeni Finder
August 07, 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
Show more Show less

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.
John Basanes Finder
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
Show more Show less
Chris
March 07, 2023
Hi, just to clarify with the interest free period. The first 12 months are interest free on purchases so I just need to make the minimum repayment at the end of each billing cycle? Is there a catch to this like minimum transaction amount or all purchases for the first 12 months are interest free?
Show more Show less