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Qantas Premier Everyday Mastercard

Last updated: 15 August 2019

Score up to 42,000 bonus Qantas Points, a discounted first year annual fee and complimentary travel insurance.

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).

Terms and conditions apply

Find out more Go to site

0% p.a.

Balance transfer rate

for 12 months

42,000

Bonus points

19.99% p.a.

Purchase rate

0.75

Reward points

Per $ spent (Visa/Mastercard)

Details

Product Name	Qantas Premier Everyday
Rewards Program	Qantas Frequent Flyer
Balance Transfer Rate	0% p.a. for 12 months
Balance Transfer Revert Rate	Cash Advance Rate (21.99% p.a.)
Balance Transfer Limit	80% of available balance
Purchase Rate	19.99% p.a.
Annual Fee	$29 for the first year ($49 thereafter)
Interest Free Period	55 days
Cash Advance Rate	21.99% p.a.
Minimum Credit Limit	$4,000
Card Type	Mastercard
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Complimentary Travel Insurance	Yes

Minimum Income	$35,000
Minimum Age	18 years of age
Available to Temporary Residents	No
Joint Application	No

Pros

Up to 42,000 bonus Qantas Points
Discounted $29 annual fee in the first year ($49 p.a. thereafter)
Complimentary overseas travel insurance

Cons

Spend requirement for bonus points is complicated (receive 7,000 points/month when you spend $1,000/month on eligible transactions for the first 6 months)
Domestic spend threshold of $3,000 before lower points earn rate kicks in is low

Rewards Program	Qantas Frequent Flyer
Bonus Points	42,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)	0.75

Annual Fee	$29 for the first year ($49 thereafter)
Minimum Monthly Repayment	2% of the closing balance or $30, whichever is greater
Late Payment Fee	$30
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Cash Advance Fee	3% or $3, whichever is greater
Overseas Cash Advance Fee	$5
Additional Cardholder Fee	$25
Number of Additional Cardholders	4

Go to Qantas Money's site More info

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Qantas Premier Everyday Mastercard doesn't have the biggest bonus points offer on the market, but it is competitive when compared to other frequent flyer cards with low annual fees.

To give you an idea of your points potential, you could use 42,000 Qantas Points for a return business flight from Brisbane to Sydney (16,000 points each way) or a one-way economy flight from Sydney to Hong Kong (25,200 points).

If you want a bigger bonus points offer or perks like Qantas Club lounge invitations and discounts, you could consider the Qantas Premier Platinum Mastercard.

How to apply

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 Qantas Frequent Flyer member to apply for this card. If you're not already a member, you can join for free during the application.
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.
Eligible balance transfer debt. You can transfer up to 80% of your available credit limit from up to 4 accounts not issued by Citigroup.
Age. You must be at least 18 years old to apply for a credit card in Australia.

Required documents

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.
Balance transfer details. You'll need to provide the name of the financial institution, BPAY reference number and the amount you want to transfer available.

Go to Qantas Money's site More info

Card benefits

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.
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.

Earn 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.
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.).
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 & fees

Annual fee. This card charges a competitive standard annual fee of $49 p.a. If you choose to add an additional cardholder, a $25 annual fee applies.
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.

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. You won't be eligible for interest-free days if you're paying off a balance transfer debt.
Cash advances. Cash advances, such as ATM withdrawals, will attract the variable 21.99% p.a. cash advance interest rate. They will also be subject to a fee of 3% of transaction amount or $3 (whichever is greater).
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.

Go to Qantas Money's site More info

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41 Comments

asher
August 10, 2019

What happens if I don’t spend $1000 in one of the first six months? is the whole bonus offer null and void?

Reply
- Staff
  
  Ash
  August 12, 2019
  
  Hi Asher,
  
  Thank you for contacting Finder.
  
  The bonus points will not be awarded to your account for the month that you haven’t met the eligibility requirements. It will not be voided for the other month/s as long as you will meet the $1,000 spend.
  
  I hope this helps.
  
  Please do not hesitate to reach out again to us.
  
  Cheers,
  Ash
  
  Reply
Gary
July 16, 2019

Hi Sally, i have my own business and need a CC with unlimited points i can only see the Qantas card is this the only one

Reply
- Staff
  
  Faye
  July 17, 2019
  
  Hi Gary,
  
  Thanks for contacting Finder.
  
  Here is a handy link to check out a list of uncapped rewards credit cards. On that page is a comparison table you can use to find the right card for you!
  
  I hope that helps.
  
  Kind Regards,
  
  Faye
  
  Reply
Monica
March 13, 2019

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?

Reply
- Staff
  
  Nikki
  March 14, 2019
  
  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
  
  Reply
George
January 29, 2019

What is the maximum age covered by the travel insurance.

Reply
- Staff
  
  John
  January 30, 2019
  
  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
  
  Reply
Deb
November 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?

Reply
- Staff
  
  Jhez
  November 17, 2018
  
  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
  
  Reply
Jarrod
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)

Reply
- Staff
  
  Jhez
  November 17, 2018
  
  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
  
  Reply
yue
November 14, 2018

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

Reply
- Staff
  
  John
  November 14, 2018
  
  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
  
  Reply
Maria
November 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?

Reply
- Staff
  
  Jhez
  November 13, 2018
  
  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
  
  Reply
Mick
November 8, 2018

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

Regards, Mick

Reply
matt
November 8, 2018

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

Reply
- Staff
  
  Nikki
  November 8, 2018
  
  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
  
  Reply

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Qantas Premier Everyday Mastercard

Score up to 42,000 bonus Qantas Points, a discounted first year annual fee and complimentary travel insurance.

Details

Pros

Cons

Expert review

Sally McMullen

Expert review

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Ask an expert

Qantas Premier Everyday Mastercard

Score up to 42,000 bonus Qantas Points, a discounted first year annual fee and complimentary travel insurance.

Details

Pros

Cons

Expert review

Sally McMullen

Expert review

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Ask an expert

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