Qantas Premier Everyday Mastercard

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Score up to 42,000 bonus Qantas Points, a discounted first year annual fee and complimentary travel insurance.

The Qantas Premier Everyday Mastercard is designed for frequent flyers who want a competitive Qantas Point earn rate without the high annual fee.

0% p.a.

Balance transfer rate

for 12 months

42,000

Bonus points

19.99% p.a.

Purchase rate

0.75

Reward points

Per $ spent (Visa/Mastercard)

Details

Product NameQantas Premier Everyday
Rewards ProgramQantas Frequent Flyer
Balance Transfer Rate0% p.a. for 12 months
Balance Transfer Revert RateCash Advance Rate (21.99% p.a.)
Balance Transfer Limit80% of available balance
Purchase Rate19.99% p.a.
Annual Fee$29 for the first year ($49 thereafter)
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$4,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

Pros

  • Up to 42,000 bonus Qantas Points
  • Discounted $29 annual fee in the first year ($49 p.a. thereafter)
  • Complimentary overseas travel insurance

Cons

  • Spend requirement for bonus points is complicated (receive 7,000 points/month when you spend $1,000/month on eligible transactions for the first 6 months)
  • Domestic spend threshold of $3,000 before lower points earn rate kicks in is low
Rewards ProgramQantas Frequent Flyer
Bonus Points42,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.75
Annual Fee$29 for the first year ($49 thereafter)
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee3% or $3, whichever is greater
Overseas Cash Advance Fee$5
Additional Cardholder Fee$25
Number of Additional Cardholders4

Expert review

Sally McMullen

Review by


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Qantas Premier Everyday Mastercard doesn't have the biggest bonus points offer on the market, but it is competitive when compared to other frequent flyer cards with low annual fees.

To give you an idea of your points potential, you could use 42,000 Qantas Points for a return business flight from Brisbane to Sydney (16,000 points each way) or a one-way economy flight from Sydney to Hong Kong (25,200 points).

How to apply

You can apply for the Qantas Premier Everyday Mastercard online in 10 minutes. To get started, make sure you meet the eligibility requirements and have the relevant documents and details on hand.

Eligibility criteria

  • Income. You must earn at least $35,000 per year to apply for this card.
  • New customer. You won't be eligible to apply for this card if you are the primary cardholder of another Qantas Premier credit card account.

Card benefits

  • Up to 42,000 bonus Qantas Points. New cardholders who apply by 31 October 2019 will collect 7,000 points each month for the first 6 months when you spend $1,000 or more on eligible purchases.
  • Discounted $29 first year annual fee. The Qantas Premier Everyday's standard annual fee is $49 p.a., but when you apply by 31 October 2019, you will save $20 with a $29 first year annual fee.

Rates & fees

  • Annual fee. This card charges a competitive standard annual fee of $49 p.a. If you choose to add an additional cardholder, a $25 annual fee applies.
  • Purchase rate. Outside of any purchase rate promotions, if you don't pay your balance in full by the payment due date, your purchases will collect interest at the rate of 19.99% p.a.

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41 Comments

  1. Default Gravatar
    asher
    August 10, 2019

    What happens if I don’t spend $1000 in one of the first six months? is the whole bonus offer null and void?

    • AvatarStaff
      Ash
      August 12, 2019

      Hi Asher,

      Thank you for contacting Finder.

      The bonus points will not be awarded to your account for the month that you haven’t met the eligibility requirements. It will not be voided for the other month/s as long as you will meet the $1,000 spend.

      I hope this helps.

      Please do not hesitate to reach out again to us.

      Cheers,
      Ash

  2. Default Gravatar
    Gary
    July 16, 2019

    Hi Sally, i have my own business and need a CC with unlimited points i can only see the Qantas card is this the only one

    • AvatarStaff
      Faye
      July 17, 2019

      Hi Gary,

      Thanks for contacting Finder.

      Here is a handy link to check out a list of uncapped rewards credit cards. On that page is a comparison table you can use to find the right card for you!

      I hope that helps.

      Kind Regards,

      Faye

  3. Default Gravatar
    Monica
    March 13, 2019

    I want to change my credit card, want a low annual fee and wondered whether the Qantas Premier Everyday was a good option ginen you get frequent flyer points as well. What do you think?

    • AvatarStaff
      Nikki
      March 14, 2019

      Hi Monica,

      Thanks for reaching out! Earning or adding value to actual purchases is always a good idea! To find your best no annual fee credit card, you can go to this page. If you are looking for frequent flyer credit cards – visit this page.

      As a friendly reminder, review the eligibility criteria of the card before applying and read up on the terms and conditions of the card. Feel free to reach out to the bank if you need any clarifications.

      Hope this helps!

      Best,
      Nikki

  4. Default Gravatar
    George
    January 29, 2019

    What is the maximum age covered by the travel insurance.

    • AvatarStaff
      John
      January 30, 2019

      Hi George,

      Thank you for reaching out to finder.

      You must be eighty (80) years of age or under when you commence Your trip to be covered with the complimentary travel insurance of Qantas Premier Everyday Mastercard. Hope this helps!

      Cheers,
      Reggie

  5. Default Gravatar
    Deb
    November 16, 2018

    I am retired however my income is over the specified required amount pa to meet application requirements. What documentation do you require for me to prove my income given I don’t have payslips etc?

    • AvatarStaff
      Jhez
      November 17, 2018

      Hi Deb,

      Thank you for your comment.

      To prove your income, you can provide your details of your tax accountant and recent Tax Assessment Notices. You can also provide other assets that you have like savings and investments.

      You may want to verify this also with the credit card provider.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  6. Default Gravatar
    Jarrod
    November 14, 2018

    If I have a QANTAS Amex card, does this mean I am not eligible for the 40,000 bonus points? What if the Amex card primary cardholder was my wife, and I was the primary cardholder for the Mastercard? (Despite us both having supplementary cards for each)

    • AvatarStaff
      Jhez
      November 17, 2018

      Hello Jarrod,

      Thank you for your comment.

      Upon checking, up to 40,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 30 November 2018 and if you have not held a Qantas card in the last 12 months. Hence, since you have a Qantas card, you will not be eligible for the bonus offer.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  7. Default Gravatar
    yue
    November 14, 2018

    Can I use this master card to pay bill on the internet?

    • AvatarStaff
      John
      November 14, 2018

      Hi Yue,

      Thank you for leaving a question.

      Yes, you may use this card to pay for your bill over the internet if the payment method is available for this provider. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    Maria
    November 9, 2018

    The $2,000 I have to spend over the first two months in order to be eligible for the 40,000 bonus QFF, is that calendar month or statement months?

    • AvatarStaff
      Jhez
      November 13, 2018

      Hello Mazza,

      Thank you for your comment.

      Please note that to be eligible for the 40,000 bonus points, you must spend at least $2,000 each month for the first two months from card approval. Bonus Qantas Points will ordinarily be credited within 6 – 8 weeks of meeting the spend criteria.

      Please note that bonus periods typically start from the account opening, which is the day your account is actually approved. That means the timeline is not based on your statement closing date or when your card is activated and doesn’t necessarily coincide with the application date. Hence, it’s based on the approval date.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  9. Default Gravatar
    Mick
    November 8, 2018

    Nikki,
    Thank you for your response on eligible purchases, using the QANTAS Premier Everyday account.

    Regards, Mick

  10. Default Gravatar
    matt
    November 8, 2018

    is it how much you turn over or profit if your self employed, cheers matt

    • AvatarStaff
      Nikki
      November 8, 2018

      Hi Matt,

      Thanks for reaching out! Your tax accountant would be able to give you information on this so best to contact them directly for expert advice.

      Hope this clarifies! Feel free to get in touch again if you have further questions.

      Cheers,
      Nikki

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