Qantas Premier Everyday Mastercard

Score up to 40,000 bonus Qantas Points and a $0 first year annual fee until 31 October 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 31 October 2018, you can enjoy a $0 annual fee for the first year.

Product NameQantas Premier Everyday
Rewards ProgramQantas 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 Limit80% of available credit limit
Purchase rate (p.a.)19.99% p.a.
Offer end date31 October 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 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$0 p.a. annual fee for the first year ($49 p.a. thereafter)
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 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 ProgramQantas Frequent Flyer
Bonus Points40,000 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

  • 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 31 October 2018.
  • $0 first year annual fee. Apply by 31 October 2018 and benefit from an annual fee waiver in the first year.
  • 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.
  • 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 31 October 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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20 Responses

  1. 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

  2. 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?

    • finder Customer Care
      JoelOctober 4, 2018Staff

      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

  3. 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

  4. Default Gravatar
    DaleSeptember 23, 2018

    Everyday card – If council or water rates are paid without using the BPay system, do these purchases rate as eligible purchases i.e. paying by card at council office in person?

    • finder Customer Care
      JeniSeptember 23, 2018Staff

      Hi Dale,

      Thank you for getting in touch with finder.

      Even if payment was processed without using Bpay system, it is not considered as “eligible transaction”. As per the Qantas Reward PDS on page 4 about excluded 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).Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant).”

      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

  5. Default Gravatar
    PeterSeptember 20, 2018

    Can I use this card for my business

    • finder Customer Care
      JohnSeptember 20, 2018Staff

      Hi Peter,

      Thank you for leaving a question.

      The Qantas Premier Everyday Mastercard is more of a personal use credit card but you may view business credit cards here. Hope this helps!

      Cheers,
      Reggie

  6. Default Gravatar
    SCAugust 14, 2018

    What are the eligible purchases? Would you have any details, please?

    • finder Customer Care
      JhezelynAugust 16, 2018Staff

      Hi SC,

      Thank you for your comment.

      According to Qantas rewards terms and conditions, eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. About earning the points, you do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred.

      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

    • Default Gravatar
      August 17, 2018

      Thanks for your reply. In regards to the eligible purchase and earning the points, would purchasing egift cards and paying council rate or water bill qualify?

    • finder Customer Care
      JhezelynAugust 20, 2018Staff

      Hello,

      According to the Qantas Premier Credit Card Rewards Terms and Conditions, eligible Transaction means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, BPAY payments, etc. Egift cards belong to special promotions and council rates and water bill belong to BPAY payments. Hence, those will not let you earn points, unfortunately.

      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
    JimAugust 3, 2018

    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.

    • finder Customer Care
      JeniAugust 11, 2018Staff

      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

  8. Default Gravatar
    AlexJuly 3, 2018

    Are there any exclusions from the bonus points – e.g. other cards held in the past 12 months. This seems like a good offer.

    • finder Customer Care
      NikkiJuly 3, 2018Staff

      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

  9. Default Gravatar
    AlanApril 3, 2018

    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.

    • finder Customer Care
      JoshuaApril 4, 2018Staff

      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

Credit Cards Comparison

Rates last updated October 21st, 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.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
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.
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.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

Compare up to 4 providers

* 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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