Qantas Premier Everyday Mastercard

Score 20,000 bonus Qantas Points and save with a 0% p.a. interest rate for 9 months on purchases and balance transfers.

The Qantas Premier Everyday Mastercard is targeted at frequent flyers who want a competitive Qantas earn rate without the high annual fee. Cardholders can earn 20,000 bonus Qantas Points when they apply by 28 February 2019 and spend at least $3,000 within the first 90 days from card approval. This card collects up to 1.75 Qantas Points per $1 spent on eligible purchases for a competitive annual fee of $49 p.a. Plus, you can enjoy a 0% p.a. interest rate for the first 9 months on both purchases and balance transfers.

Product NameQantas Premier Everyday
Rewards ProgramQantas Frequent Flyer
Balance transfer rate (p.a.)0% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.99% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)0% p.a. for 9 months (reverts to 19.99% p.a.)
Offer end date28 February 2019
Annual fee$49 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
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.
$4,000
Card TypeMastercard
Foreign Currency Conversion Fee (MC)
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 InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$49 p.a.
Minimum Monthly Repayment2% or $30, whichever is greater
Late Payment Fee$10
Foreign Currency Conversion Fee (MC)
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
Cash Advance Fee$3 (if <$100) or 3% (if $100 or more)
Overseas Cash Advance Fee$5
Additional Cardholder Fee$25
Number of Additional Cardholders4

Pros

  • Take advantage of 20,000 bonus Qantas Points when you apply by 28 February 2019 and spend $3,000 or more within the first 90 days from card approval.
  • Receive an introductory offer of 0% p.a. interest for the first 9 months on purchases and balance transfers.
  • Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period (2,250 points) and 0.4 points per $1 spent thereafter.
  • Enjoy complimentary overseas travel insurance.

Cons

  • At the end of the introductory period, any debt remaining from a balance transfer will revert to the cash advance rate of 21.99% p.a.
  • Domestic spend threshold of $3,000 before lower earn rate kicks in is low.
Rewards ProgramQantas Frequent Flyer
Bonus Points20,000 bonus points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

Benefits and features of the Qantas Premier Everyday Mastercard

  • 20,000 bonus Qantas Points. You can give your Qantas Points balance a boost of 20,000 bonus points when you spend $3,000 or more in the first 90 days from card approval. Offer ends on 28 February 2019.
  • Purchase offer. Pay 0% interest on purchases for the first 9 months. After the introductory period, interest reverts to the variable purchase rate (currently 19.99% p.a.)
  • Balance transfer offer. If you need to pay down an existing debt, you can take advantage of a balance transfer offer of 0% p.a. for the first 9 months and pay no balance transfer fee when you apply by 28 February 2019. Remaining balances will accrue interest at the cash advance rate (currently 21.99% p.a.) after the introductory period. You can transfer up to 80% of your approved credit limit from up to 4 credit cards, store cards, loans or other credit accounts not issued by Citibank.
  • Qantas Wine voucher. Get rewarded with a $50 Qantas Wine voucher, with a minimum spend of $100. You can use this to purchase some of Australia's finest wines and gourmet food via the Qantas Wine store.
  • Earn Qantas Points as you spend. You’ll earn Qantas Points on eligible purchases with 0.75 Qantas Points per $1 spent up to $3,000 per statement period (2,250 points), and 0.4 Qantas Points per $1 spent thereafter. You’ll earn 1 Qantas Point per $1 spent on international purchases and 1 additional Qantas Point per $1 spent on eligible Qantas spend.
  • Complimentary overseas travel insurance. When you book eligible travel on your card, you can take advantage of medical emergency insurance cover of up to $1,000,000 plus travel cancellation cover of up to $20,000.
  • Qantas Premier Concierge. Primary cardholders get access a 24/7 concierge service available to assist with everything from party planning to beauty and fitness services to medical and travel assistance.
  • Fraud protection. You can shop with peace of mind thanks to Mastercard Zero Liability cover.
  • Qantas Money app. You can track your spending, balance and points on the go and in one place with the Qantas Money app.

Rates and fees of the Qantas Premier Everyday Mastercard

  • Annual fee. This card charges a competitive annual fee of $49 p.a., which is relatively low for a frequent flyer credit card. There is also a $25 p.a. annual fee for any additional cardholders.
  • 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.
  • Cash advance rate. Cash advances, such as ATM withdrawals, will attract the variable 21.99% p.a. cash advance rate.
  • International transaction fee. If you use your card to shop overseas, you’ll be charged a 3% foreign transaction fee.

How to apply for the Qantas Premier Everyday Mastercard

It takes around 10 minutes to apply for the Qantas Premier Everyday Mastercard online. To get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.

Eligibility criteria checklist

  • Age. You must be at least 18 years old to apply for a credit card in Australia.
  • Residency. You must be an Australian citizen or permanent resident to apply for this credit card. You also need to have an Australian residential address and mobile phone number.
  • Minimum Income. You must earn at least $35,000 per year to apply for this card.
  • Current Qantas Premier cardholder status. You won't be eligible to apply for this card if you are the primary cardholder of another Qantas Premier credit card account.
  • Qantas Frequent Flyer Membership status. You must be a current Qantas Frequent Flyer member to apply for this card.

How to get a free Qantas Frequent Flyer membership

Information and documents you’ll need

To complete your application, you’ll be asked to provide a range of details and supporting documentation. This could include:

  • Personal details. All credit card applications require your full name, date of birth, Australian residential address, email address and an Australian mobile phone number.
  • Identification. This includes your driver’s licence, passport or Medicare number. Usually a driver’s licence is preferred.
  • Employment. Provide details of your current employer, role, salary and your employer’s contact details. You may also be asked to submit recent payslips or your work agreement as supporting documentation. If you’re self-employed, you should provide details of your tax accountant and recent Tax Assessment Notices.
  • Financial details. Provide information about any other assets that you have (savings, investments etc) and debts such as existing cards or loans. You’ll also be asked to estimate your regular expenses for essentials such as food, housing and utilities.

The Qantas Premier Everyday Mastercard is a low fee alternative for Qantas Frequent Flyers. As this isn’t the only low fee frequent flyer card on the market, make sure to compare your options before you apply.

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33 Responses

  1. Default Gravatar
    DebNovember 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?

    • finder Customer Care
      JhezelynNovember 17, 2018Staff

      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

  2. Default Gravatar
    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)

    • finder Customer Care
      JhezelynNovember 17, 2018Staff

      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

  3. Default Gravatar
    yueNovember 14, 2018

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

    • finder Customer Care
      JohnNovember 14, 2018Staff

      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

  4. Default Gravatar
    MariaNovember 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?

    • finder Customer Care
      JhezelynNovember 13, 2018Staff

      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

  5. Default Gravatar
    November 8, 2018

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

    Regards, Mick

  6. Default Gravatar
    November 8, 2018

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

    • finder Customer Care
      NikkiNovember 8, 2018Staff

      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

  7. Default Gravatar
    MickNovember 6, 2018

    Hi, with respect to ‘eligible purchases’ for a QANTAS Premier Everyday account. Where is this defined? For instance, can I use the card to purchase car or house insurance. Thank you.

    • finder Customer Care
      NikkiNovember 6, 2018Staff

      Hi Mick,

      Thanks for reaching out! You may find the list of eligible purchases of this card or any other card in their terms and conditions or product disclosure statement of the card and is normally available on the bank’s site. I took the liberty of checking and it says:

      “Eligible means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semigovernment entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs).”

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Cheers,
      Nikki

  8. Default Gravatar
    LuchisOctober 8, 2018

    With regards to 0% for 6 months on Qantas spend, does it mean if I buy Qantas tickets will have up to 6 months interest free to pay them? If so, do I need to buy them online?

    • finder Customer Care
      JeniOctober 13, 2018Staff

      Hi Luchis,

      Thank you for getting in touch with finder.

      That is correct. You can enjoy 6 months interest-free on your first Qantas spend made within the first 6 months from card approval. As per the Important Information part of the QantasMoney.com page, Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from qantasshop.com.au, qantasstore.com.au and qantasepiqure.com.au.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    marcOctober 4, 2018

    I was previously a Qantas Premier Platinum Credit Card Holder, however, I have since closed this card as it was no longer useful to me.
    If I now decide to apply for the Qantas Premier Everyday MasterCard, will I be eligible to receive the credit card + the bonus Qantas points?

    • Default Gravatar
      JoelOctober 4, 2018

      Hi Marc,

      Thanks for leaving a question on finder.

      You will be able to apply for this card and avail of the promo of 40,000 bonus Qantas Points and a $0 first year annual fee if you have not held a Qantas card in the last 12 months. Nevertheless, you may still be approved for this card only without the points if you have held a card since September of last year.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  10. Default Gravatar
    GretaOctober 3, 2018

    I wish to apply for a Qantas frequent flyer credit card but have been declined. There’s no explanation why. We have had a credit card for 40 years, always paid our bills. I just want to get flyer points.

    • finder Customer Care
      JhezelynOctober 3, 2018Staff

      Hello Greta,

      Thank you for your comment.

      Sorry to hear about your credit card application being declined. Please do note that each provider has their own set of eligibility criteria, so if one of it is not met, your application might be declined. Please see the reasons on why your credit card application is rejected here. The guide will also give you tips for getting your credit card application approved. I hope this helps.

      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

Credit Cards Comparison

Rates last updated December 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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* 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.

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