Score up to 40,000 bonus Qantas Points and a $0 first year annual fee until 30 September 2018.
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 up to 20,000 bonus Qantas Points each month (40,000 total) when they spend at least $2,000 per month for the first 2 months ($4,000 total) from card approval and collect up to 1.75 Qantas Points per $1 spent on eligible purchases, all for a competitive annual fee of $49. Plus, if you apply by 30 September 2018, you can enjoy a $0 annual fee for the first year.
| Product Name | Qantas Premier Everyday |
|---|---|
| Rewards Program | Qantas Frequent Flyer |
| Balance transfer rate (p.a.) | 4.9% p.a. for 24 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Cash Advance Rate (21.99% p.a.) |
| Balance Transfer Limit | 80% of available credit limit |
| Purchase rate (p.a.) | 19.99% p.a. |
| Offer end date | 30 September 2018 |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
| 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 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 Type | Mastercard |
| 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 Insurance | Yes |
| Minimum Income | $35,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | No |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2% or $30, whichever is greater |
| Late Payment Fee | $10 |
| Cash Advance Fee | $3 (if <$100) or 3% (if $100 or more) |
| Overseas Cash Advance Fee | $5 |
| Foreign Currency Conversion Fee 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% |
| Additional Cardholder Fee | $25 |
| Number of Additional Cardholders | 4 |
Pros
- Take advantage of 20,000 bonus Qantas Points per month for the first two months (40,000 total) when you spend $2,000 or more each month for the first 2 months ($4,000 total) from card approval.
- Pay $0 annual fee for the first year.
- 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, balance transfer rate 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 Program | Qantas Frequent Flyer |
|---|---|
| Bonus Points | 40,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 0.75 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits and features of the Qantas Premier Everyday Mastercard
- Up to 40,000 bonus Qantas Points. You can give your Qantas Points balance a boost of up to 40,000 bonus points. Earn 20,000 each month you spend $2,000 or more for the first 2 months from card approval ($4,000 total). Offer ends on 30 September 2018.
- $0 first year annual fee. Apply by 30 September 2018 and benefit from an annual fee waiver in the first year.
- EpiQure voucher. Get rewarded with a $50 Qantas epiQure 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 epiQure 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.
- 0% for 6 months on Qantas spend. Tailored to reward loyal Qantas customers, you can enjoy 6 months interest-free on your first Qantas spend made within the first 6 months from card approval.
- 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.
- Balance transfer offer. If you need to pay down an existing debt, you can take advantage of a balance transfer offer of 4.9% p.a. for 24 months and pay no BT fee when you apply by 30 September 2018.
- 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. After the $0 first year annual fee, this card charges a competitive annual fee of $49, which is relatively low for a frequent flyer credit card. There is also a $25 annual fee for any additional cardholders.
- Purchase rate. 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 standard 21.99% p.a. cash advance rate. Remaining balances from a balance transfer will also collect interest at this rate after the introductory period.
- 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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I have a Qantas Mastercard (Qantas Premier).
As I am looking for a Qantas Card with cheaper annual fee, can I transfer a toss to this new card?
As I am a pensioner and no longer earn a regular income can the credit history service as I had trouble getting the last Qantas credit card.
For the past 5 years I have always payed the card in full each month.
Regards
Jim.
Hi Jim,
Thank you for getting in touch with finder.
Downgrading or switching your credit card from one kind to another may not be possible unless your credit card issuer sent you a letter/info regarding this. With this Qantas Premier Everyday Mastercard, I am afraid that you won’t be eligible to apply for this card since you are the primary cardholder of another Qantas Premier credit card account.
Since you are looking for a credit card that would let you earn points and save you on annual fees, I suggest that you check out this page to compare your options.
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
Are there any exclusions from the bonus points – e.g. other cards held in the past 12 months. This seems like a good offer.
Hi Alex!
Thanks for your message and for contacting finder.
To get the Qantas Premier Everyday Mastercard bonus points, you must:
– Spend at least $2,000 per month for the first 2 months ($4,000 total) from card approval and collect up to 1.75 Qantas Point per $1 spent on eligible purchases, all for a competitive annual fee of $49.
– If you apply by 31 August 2018, you can enjoy a $0 annual fee for the first year.
Aside from the standard eligibility requirements, you must be a current Qantas Frequent Flyer member to apply for this card. You won’t be eligible to apply for this card if you are the primary cardholder of another Qantas Premier credit card account.
You can check the full list of requirements for this card on the page above.
Hope this helps!
Cheers,
Nikki
Am age pensioner on $25300 pa but with wife goes up to $42198 pa. comb. But as you need $35K pa to get card can we combine income to get 1 or 2 ANZ premier everyday cards. Our income represents Centrelink pensions & 5% super income p / f.
Hi Alan,
Thanks for getting in touch with finder.
Generally, ANZ or any other banks will consider your income alone and that does not include your wife’s income. So for example, if you don’t meet the minimum income requirement, your application might not get approved.
Moreover, if in case you want to apply for a credit card and have your wife’s income to be considered, you might want to consider institutions that allow joint account credit cards. If this interests you, please go to this link.
Finally, you may also want to directly get in touch with ANZ. They will give you a more personalised answer.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua