Qantas Premier Everyday
- Receive up to 42,000 bonus Qantas points
Discounted $29 first year annual fee
Offer ends 31 October 2019
Eligibility criteria, terms and conditions, fees and charges apply
Score up to 42,000 bonus Qantas Points, a discounted first year annual fee and save with a balance transfer offer.
The Qantas Premier Everyday Mastercard is designed for frequent flyers who want a competitive Qantas Point earn rate without the high annual fee.
Apply by 31 October 2019 and save with a discounted $29 first year annual fee and 0% p.a. interest rate on balance transfers for the first 12 months. You can also earn up to 42,000 bonus Qantas Points (7,000 bonus points each month when you spend $1,000 per month on eligible transactions for the first 6 months).
| Product Name | Qantas Premier Everyday |
|---|---|
| Rewards Program | Qantas Frequent Flyer |
| Balance transfer rate | 0% p.a. for 12 months |
| Balance transfer revert rate The interest rate that will apply to any remaining balance after the balance transfer term 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 | 31 October 2019 |
| Annual fee | $29 p.a. annual fee for the first year ($49 p.a. thereafter) |
| 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 limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure. | $4,000 |
| Card Type | Mastercard |
| Foreign Currency Conversion Fee (MC) Charged when you make a transaction that is converted by Mastercard 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 | $29 p.a. annual fee for the first year ($49 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2% or $30, whichever is greater |
| Late Payment Fee | $30 |
| Foreign Currency Conversion Fee (MC) Charged when you make a transaction that is converted by Mastercard 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
- Earn up to 42,000 bonus Qantas Points (7,000 points each month when you spend $1,000/month on eligible transactions for the first 6 months).
- Discounted $29 annual fee in the first year ($49 p.a. thereafter)
- 0% introductory rate on balance transfers for 12 months
- 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.
- This card comes with a complimentary overseas travel insurance.
Cons
- At the end of the introductory period, any debt remaining from the balance transfer will be charged at 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 | 42,000 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 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. To give you an idea, 42,000 Qantas Points are enough for a one-way economy flight from Sydney to Hong Kong.
- 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.
- No fee 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 12 months with no balance transfer fee when you apply by 31 October 2019. Any remaining balance at the end of the introductory period will accrue interest at the cash advance rate (currently 21.99% p.a.). 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 Citi. Please note that balance transfers don't earn Qantas Points and you will not be eligible for interest-free days while you carry a balance transfer debt.
- Qantas Points as you spend. You'll earn 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 collect 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 standard annual fee of $49 p.a., which is relatively low for a frequent flyer credit card.
- Purchase rate. If you don't pay your balance in full by the statement due date, your purchases will collect interest at the rate of 19.99% p.a.
- Interest-free days. If you pay your balance in full by the statement due date, you can save with up to 55 interest-free days on purchases.
- Cash advance rate. Cash advances, such as ATM withdrawals, will attract the variable 21.99% p.a. cash advance interest rate.
- International transaction fee. If you use your card to make a foreign transaction overseas or shopping online, you'll be charged a 3% foreign transaction fee.
- Additional cardholders. You can earn more points when you request up to 4 additional cardholders but you'll pay a $25 annual fee per card.
How to apply for the Qantas Premier Everyday Mastercard
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.
- Qantas Frequent Flyer. You must be a current Qantas Frequent Flyer member to apply for this card. If you're not a member yet, you can join for free during the card application.
- 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.
Documents and details to provide
- Personal details. This includes 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.
- 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.
- Finances. List any assets (like savings or investments) and debts (such as existing cards or loans) that you have. You'll also be asked to estimate your regular expenses for essentials such as food, housing and utilities.
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?
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
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