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 30 April 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 purchases and balance transfers.
| Product Name | Qantas Premier Everyday |
|---|---|
| Rewards Program | Qantas Frequent Flyer |
| Balance transfer rate | 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 Limit | 80% of available credit limit |
| Purchase rate (p.a.) | 0% p.a. for 9 months (reverts to 19.99% p.a.) |
| Offer end date | 30 April 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 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 | $49 p.a. |
|---|---|
| Minimum Monthly Repayment | 2% 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 Cardholders | 4 |
Pros
- Take advantage of 20,000 bonus Qantas Points when you apply by 30 April 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 Program | Qantas Frequent Flyer |
|---|---|
| Bonus Points | 20,000 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
- 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 30 April 2019.
- Purchase offer. Pay 0% p.a. 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 30 April 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.
- 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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What is the maximum age covered by the travel insurance.
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
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?
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
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)
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
Can I use this master card to pay bill on the internet?
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
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?
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
Nikki,
Thank you for your response on eligible purchases, using the QANTAS Premier Everyday account.
Regards, Mick
is it how much you turn over or profit if your self employed, cheers matt
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
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.
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 semi-government 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
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?
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
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?
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