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Qantas American Express Discovery Card – Rates and Fees

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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 NameQantas American Express 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
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
Internet Banking TransfersYes

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 (a one-off 1% balance transfer fee applies).
  • 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
Rewards Points per $ (AMEX)1
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

Qantas American Express Discovery Card review

This card is suited to Qantas Frequent Flyer members who want to earn points on eligible purchases while saving on regular credit card rates and fees. 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. Plus, it's currently one of the only Qantas Frequent Flyer credit cards in the market with $0 annual fee for life.

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

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 supplementary 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 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.
  • 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 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.

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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401 Responses

  1. Default Gravatar
    KerryJuly 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!

    • Staff
      JonathanJuly 6, 2017Staff

      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

  2. Default Gravatar
    KennethMay 21, 2017

    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.

    • Staff
      AnndyMay 21, 2017Staff

      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

  3. Default Gravatar
    JeanetteMay 15, 2017

    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

    • Staff
      HaroldMay 16, 2017Staff

      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

  4. Default Gravatar
    HilaMay 2, 2017

    Hi,
    I saw this previous response to a question and was wondering if this offer is still valid if I apply now?

    “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”

    Thanks,

    Hila

    • Staff
      AnndyMay 3, 2017Staff

      Hi Hila,

      Thanks for your question.

      Unfortunately, that offer already ended. You can check this page from time to time for any bonus offers for this card.

      Alternatively, you can check this page to compare credit cards with bonus offer.

      Cheers,
      Anndy

  5. Default Gravatar
    April 12, 2017

    I only have a yearly income of $24,000 but I own my own villa and have a substantial savings account. Do you make exceptions?

    • Staff
      ArnoldApril 12, 2017Staff

      Hi Noeleen,

      Thanks for your inquiry.

      Unfortunately Qantas American Express requires a pre-tax or gross income of $35,000.
      Please click here for options that will suit your needs.

      Hope this information helped.

      Cheers,
      Arnold

  6. Default Gravatar
    KayJanuary 19, 2017

    I’ve just got the Qantas Amex Discovery card. Can I pay rent using this and will I earn points for that?

    • Staff
      AnndyJanuary 20, 2017Staff

      Hi Kay,

      Thanks for your question.

      There are different ways to earn frequent flyer points as listed on this page, and one of them is through paying rent. However, please confirm with your real estate agent if they accept rental payments as purchases so you’ll earn points each time you pay rent.

      Cheers,
      Anndy

  7. Default Gravatar
    MadelynNovember 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
      MayNovember 18, 2016Staff

      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

  8. Default Gravatar
    SihahOctober 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
      MayOctober 11, 2016Staff

      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

  9. Default Gravatar
    WillAugust 1, 2016

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

    • Staff
      MayAugust 1, 2016Staff

      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

  10. Default Gravatar
    MilyMay 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
      MayMay 18, 2016Staff

      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

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