Qantas American Express Discovery Credit Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Point calculations are accurate as of 3 April 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official American Express page for the updated calculations.

So, you’re searching for a Qantas rewards card that offers a great earn rate, no points capping, and a heap of useful extras. You also don’t want to pay an annual fee.

A card like that couldn’t exist, surely? That’s too much to ask.

Well, welcome to Unicorn Town, because the Qantas American Express Discovery card ticks every box on the wishlist. It’s a pretty special credit card with lots of perks, rewards, and value. But, is it right for you? Let’s take a look.

What we love...

Using this card, you can earn 0.75 Qantas Points per $1 spent on card purchases, except those made at government bodies in Australia, where you’ll earn 0.5 Qantas Points per $1. You’ll also earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services within Australia. All with no points capping! The Qantas Points you earn can be redeemed for Classic Flight Rewards with Qantas and more than 50 partner airlines and their affiliates.

Redeem points and use them on eligible flights to over 1,000 destinations worldwide with Qantas and participating airline partners through Classic Flight Rewards. You can fly premium economy from Melbourne to Canberra or Sydney with Qantas for 8,000 points.

While there are plenty of other Qantas rewards cards that offer a similar earn rate (with or without points capping), the difference between those cards and the Qantas American Express Discovery credit card is that with the Discovery card, there’s $0 annual fees.

Usually, you’d have to compare points and features against the annual fee to work out if a card is worth it for you. But, with the Discovery credit card, you’ll pay nothing out (as long as you avoid other fees and interest), while getting loads back in rewards and extras.

What’s not so great...

The card’s purchase rate is sizable, so to make the most of the features on offer, be sure to pay off the balance each month before it starts attracting interest. However, if you can pay the full balance by the due date on each statement, you'll get up to 44 days interest-free on purchases. Even though that’s a shorter interest-free period than other cards, it still gives you plenty of wiggle room to manage your cash flow.

Why should you choose this card?

You may choose this card for the $0 annual fee feature or its welcome offer. You may choose it for its Qantas points earning potential, or extras such as 24/7 global customer service, fast global card replacement, four free additional cards, and up to 44 days interest-free on purchases.

You may also choose this card to take advantage of its Card Refund and Card Purchase Covers, and its online fraud protection guarantee. Or quite simply, you may choose this card for all of the above, knowing that you have all of those versatile features and rewards while paying $0 annual fees.

Overall Rating

A Qantas rewards card with a great earn rate and no points capping, excellent extras all with $0 annual fee.