Qantas American Express Discovery Card – Rates and Fees

Information verified correct on December 5th, 2016
American Express Qantas Discovery Card Find out more Go to site

Don't worry, by clicking "Go to site" this won't leave a mark on your credit file. An enquiry will only appear on your file once you have submitted a credit card application.

What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Enjoy a 0% p.a. balance transfer offer, $0 annual fee and frequent flyer rewards with the Qantas American Express Discovery Card.

The Qantas American Express Discovery Card gives you a wide range of rewards and savings, with Qantas Points for everyday spending and a $0 annual fee for the life of the card. It also offers .

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 balance transfer fee applies for this offer.

Product NameAmerican Express Qantas Discovery Card
Rewards ProgramQantas 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 Limit70% 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 on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Minimum Monthly Repayment2.5% or $30
Minimum Income$35,000
Card TypeAmerican Express
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
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Annual Fee$0 p.a.
Minimum Repayment2.5% or $30
Late Payment Fee$30
Over Limit Fee$30
Cash Advance Fee$2.50 or 2% of the cash advance amount (whichever is greater)
Overseas ATM Withdrawal Fee$2.50
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 AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders4
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • $0 annual fee ever which is a rarity for a prestigious card plus, equal points for spending
  • 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

  • Must have a good credit rating without defaults
  • Income before tax must be $35,000 p.a. or over.
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up7,500
Rewards Points per $ (VISA/MC)0
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) CapN/A
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

Qantas American Express Discovery Card review

If you're a frequent flyer, the Qantas American Express Discovery Card may be suitable for you. This card offers 1 Qantas Point per $1 spent on card purchases and an additional 1 point per $1 spent on selected Qantas products and services in Australia. This is currently one of the only frequent flyer credit cards $0 annual fee for life.

In addition to these features, the Qantas American Express Discovery offers a range of purchase insurances and allows you to request up to 4 supplementary cards with annual fee. New cardholders can also save money on existing card debt with a promotional balance transfer of 0% p.a. for 12 months.

Benefits of the Qantas American Express Discovery Card

  • Bonus Qantas Points. Apply online as a new card member and you can earn within the first 3 months of your card approval date. Please allow 8 to 10 weeks after you have met the spend criteria for the points to be credited to your Qantas Frequent Flyer account.
  • 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 fee of 1% of the total balance transferred to the card.
  • Earn points as you spend. This card offers 1 Qantas Point per $1 spent on everyday purchases. You can also earn up to 2 Qantas Points per $1 when you spend on selected Qantas products and services in Australia.
  • No points cap. The Qantas Points you earn are uncapped and will be credited in 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.
  • $0 annual fee. This credit card has $0 annual fee. You can also request up to 4 supplementary cards with annual fee.
  • Contactless and mobile payments. The Qantas American Express Discovery Card allows you to make "tap and go" payments at the checkout, as well as compatibility with mobile payment apps including Apple Pay, Samsung Pay and Android 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.

Qantas American Express Discovery Card features

  • Interest rate. This card has a standard variable interest rate of
  • 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
  • Interest-free days. This card offers up to days interest-free on purchases if you pay your balance in full by the due date on each statement.
  • Currency conversion rate. A fee applies for transactions made in a foreign currency.
  • 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

  • You must be at least 18 years old to apply for this card
  • You must be an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • Your pre-tax or gross income must be at least $35,000
  • You must have no history of bad debt or payment default

Required documents

  • 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 travellers and savvy spenders, and also has a 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.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

389 Responses to Qantas American Express Discovery Card – Rates and Fees

  1. Default Gravatar
    Madelyn | November 18, 2016

    I have just applied for this credit card – am I still eligible for the 7500 qantas points for taking out the credit card?

    • Staff
      May | November 18, 2016

      Hi Madelyn,

      Thank you for your inquiry.

      With Qantas American Express Discovery Card, you will earn up to 7,500 bonus Qantas Points when you apply online as a new cardholder, are approved and meet the following spend criteria:

      • 5,000 extra points when you spend $750 on purchases within the first 3 months of card approval

      • 2,500 extra points after your first Card spend in Australia on selected Qantas products and services within 3 months of the Card approval date.

      Cheers,
      May

  2. Default Gravatar
    Sihah | October 10, 2016

    I just applied for discovery AMEX card. I would like to have it link with Qantas card however I am not a member. Am I supposed to apply myself or you will enroll for me to receive the bonus points?

    • Staff
      May | October 11, 2016

      Hi Sihah,

      Thank you for your question.

      As your Qantas Points earned using the American Express Qantas Discovery Card will transfer automatically to your Qantas Frequent Flyer account each month, it is required of you to have a Qantas account. You can directly enrol or register through Qantas website. AMEX will not process the registration for you.

      Cheers,
      May

  3. Default Gravatar
    Will | August 1, 2016

    Can this card be used to pay for tax to ATO and still received points?

    • Staff
      May | August 1, 2016

      Hi Will,

      Thanks for your inquiry.

      Unfortunately, this Qantas American Express Discovery Card is not among the AMEX cards that let you earn points when paying ATO bills. The credit cards that allow you to earn points when paying ATO are found on this page.

      Cheers,
      May

  4. Default Gravatar
    Mily | May 3, 2016

    I want to compare how many points in order to redeem a $100 shopping gift card voucher – as a standard unit of measure / comparison. How do I find this on your site? Eg: this credit card is 17500 points for $100 myer voucher compared with this credit card 15000 points for same voucher

    • Staff
      May | May 18, 2016

      Hi Mily,

      Thanks for your question.

      Sorry for the delayed reply. The Qantas American Express credit card lets you earn Qantas points and you can use these points to redeem for Reward flights with Qantas and over 50 partner airlines and their affiliates. Unfortunately, we don’t have that page you’re looking for. However, if you want to use your points for shopping and want to know how many points you can use to purchase a product (not a gift voucher), I’ve sent to your email the page of Qantas website where you can find your shopping options.

      I hope this has helped.

      Cheers,
      May

  5. Default Gravatar
    Ann | April 3, 2016

    How do I know what my maximum credit will be when I apply

    • Staff
      Ally | April 4, 2016

      Hi Ann,

      Kindly note that finder.com.au is an online comparison service that does not represent any credit card issuer such as AMEX.

      Nonetheless, the maximum credit limit that the Qantas American Express Discovery Card allows is $100,000 as you may find on the info table at the top of this page, which would highly depend on the approval of AMEX upon your application.

      For further inquiries, you may also get in touch with the AMEX team to inquire about this directly.

      I already emailed you a link to their contact page for your reference.

      I hope this has helped.

      Cheers,
      Ally

  6. Default Gravatar
    Denis | March 18, 2016

    Can you advise if Australian Tax Office payments are eligible for Qantas Rewards Points? Thanks

    • Staff
      Ysa | March 20, 2016

      Hi Denis,

      Thanks for your question.

      Yes, you can accumulate reward points when making payments to ATO.

      Please read through our How to Pay Your Tax Bill by Credit Card Payment page for a list of credit cards which allow you to earn reward points for ATO payments.

      Cheers,
      Ysa

  7. Default Gravatar
    Maria | March 14, 2016

    Hi, does travel insurance cover come with this card? I am already a customer and would like to know if there are any conditions regarding this.

    Thanks

    Maria

    • Staff
      Ysa | March 15, 2016

      Hi Maria,

      Thanks for your question.

      Unfortunately, the Qantas American Express Discovery Card does not provide complimentary travel insurance.
      However, you may wish to compare other credit cards with free travel insurance here.

      I hope this helps.

      Cheers,
      Ysa

  8. Default Gravatar
    Stuart | February 29, 2016

    Our Qantas Frequent Flyer card is in my wife’s name, do we need to apply for a credit card in her name, then an additional card for myself in my name, or do I make application for credit card in my name and put my wife’s frequent flyer program Number in the application? as I am the working person in the family, with the minimum of $35000 annual income for the application?

    • Staff
      Jonathan | March 1, 2016

      Hi Stuart, thanks for your inquiry!

      If you are the individual earning the income then it would be best that you applied for the card since they will assess the primary applicant’s financial details and your spouse apply as an additional cardholder.

      Cheers,

      Jonathan

  9. Default Gravatar
    Dianne | February 5, 2016

    Is the 0 annual fee on going or only for the 1st year

    • Staff
      Arra | February 5, 2016

      Hi Dianne,

      Thanks for your inquiry.

      The $0 annual fee is an ongoing offer of Qantas American Express Discovery Card.

      I hope this has helped.

      Cheers,
      Arra

  10. Default Gravatar
    Silyeclipse | January 12, 2016

    hi

    I have an ANZ Visa/Amex Card at the moment. Would i qualify to earn the 7500 bonus points?

    • Staff
      Sally | January 13, 2016

      Hello,

      Thanks for your question.

      The offer is available to new cardholders who apply before 2 February 2016. This offer excludes existing Card Members or previous Card Members who have held any American Express Card in the last 12 months. However, you should be able to earn the points if your card was provided by ANZ rather than American Express.

      I hope this has helped.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback