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Qantas American Express Discovery Credit Card
Qantas American Express Discovery Credit Card

American Express Credit Cards

Qantas American Express Discovery Credit Card

Updated 21 December 2021

Enjoy plenty of Qantas Points on your purchases and pay no annual fee. Earn 1.75 Qantas Points per $1 spent on eligible Qantas products and services. Earn 0.75 Qantas Points per $1 spent on Card purchases, except spend at government bodies (0.5 Qantas Points per $1 spent). No points capping. Plus, shop with Refund and Purchase Protection.

New card members only. T&Cs apply.

Points Earn Rate (per $1 spent)

0.75 points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

Pros and cons

  • No annual fee ever
  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
  • Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia
  • No points capping
  • Earn additional 3 points per $1 (up to 40,000 points) on top of the standard earn rate when you save the American Express Shop Small offer on your card and spend at participating small businesses by 31 March 2022
  • Redeem and use points on eligible flights to over 1,000 destinations worldwide with Qantas and airline partners through Classic Flight Rewards
  • Add up to 4 additional cards at no extra cost
  • Refund and Purchase Protection
  • Pay off your credit card balance with Plan It™ Instalments with 0% p.a. interest and a fixed monthly fee
  • Eligible with Apple Pay, Samsung Pay and Google Pay

  • High purchase rate

Creditcard.com.au review

Editor Review

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 about this card.

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, ever.

Surely a card like that doesn’t actually exist, does it?

Why yes it does! Ticking off every single item on that checklist, the Qantas American Express Discovery Credit Card is one very special card indeed. But is it for you? Let’s take a look and find out!

What we love...

One of the most attractive features of the Qantas American Express Discovery Credit Card has to be its points earning potential. 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.

On top of that, you’ll 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.

Another benefit offered by Amex to its card members is the chance to earn up to 40,000 extra points when they save the American Express Shop Small offer on their card and spend at participating small businesses by 31 March 2022.

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, you pay no annual fee. Ever.

With most cards, you have to look at what you’re going to get back in rewards and features, and compare that to the amount you pay out in annual fees. But with the Discovery Card, you pay nothing out (as long as you avoid other fees and interest), while getting loads back.

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. Though it’s way shorter compared to other cards in the market, still it gives you ample time to manage your cash flow.

Why should you choose this card?

You may choose this card for its no annual fee feature. 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.

Or, you may choose this card to take advantage of its purchase and refund protection, 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 lovely features, while paying nothing in annual fees.

Overall Rating

A Qantas rewards card with a great earn rate and no points capping, excellent extras all with no annual fees, ever.

User reviews

Qantas American Express Discovery Credit Card ( based on 2 Creditcard.com.au user reviews )

88% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.74% p.a.

Cash advance rate N/A

Interest free period on purchases up to 44 days

Credit limits

Minimum credit limit $2,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5% (whichever is greater)

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Qantas Rewards points 0.75 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Fraud Protection Guarantee

Emergency Card replacement

Global Card Support

Eligible with Apple Pay, Samsung Pay and Google Pay

Overview

Qantas American Express Discovery Credit Card

Earn 0.75 Qantas Points per $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent. No points capping. Perfect for domestic or overseas travel, you can redeem your points for flights on Qantas or any of their partner airlines. Earn 1.75 Qantas Points per $1 spent on selected Qantas products and services in Australia. You can boost your points with the Shop Small offer, allowing you to earn up to 40,000 extra points (3 points per $1) every time you shop at participating small businesses.

Unlike other Qantas points earning credit cards that can have high annual fees, with this offer you will pay no annual fee.  This product is available to Australian citizens, permanent residents or holders of a long term visa that earn a minimum of income of $35,000 p.a. Long term means at least 12 months and does not include student visas.

Key features

  • No annual fee ever
  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
  • Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia
  • No points capping
  • Earn additional 3 points per $1 (up to 40,000 points) on top of the standard earn rate when you save the American Express Shop Small offer on your card and spend at participating small businesses by 31 March 2022
  • Redeem and use points on eligible flights to over 1,000 destinations worldwide with Qantas and airline partners through Classic Flight Rewards
  • Up to 44 days interest-free on purchases
  • Add up to 4 additional cards at no extra cost
  • Refund and Purchase Protection
  • Emergency Card Replacement (usually within 48 hours)
  • Pay off your credit card balance with Plan It™ Instalments with 0% p.a. interest and a fixed monthly fee
  • Eligible with Apple Pay, Samsung Pay and Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or permanent resident or hold a long term visa. Long term means at least 12 months and does not include student visas.

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

24 questions (showing the latest 10 Q&As)

Michael

Michael

26 October 2021
I’m retained but have income from rental properties amounts to about $40,000 can I apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 October 2021
    Hi Michael, the Amex Qantas Discovery card states that you must have a minimum income of $35,000 p.a. You’ll need to provide evidence of your income and Amex may need to talk to your accountant too as part of the process. Whether you apply or not is up to you. Hope this has helped!
Mary

Mary

15 October 2021
Hi I applied for the Qantas American express discovery credit card for the Qantas points when will the Qantas points be added to my frequent flyer program after I spent the amount needed? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2021
    Hi Mary, looking at American Express’ terms and conditions, the bonus points will be added to your Qantas Frequent Flyer account in 8-10 weeks after you’ve met the spend criteria.
Audrey

Audrey

3 September 2021
Does this credit card give you travel insurance for domestic and overseas travel (I have a Commonwealth Platinum card) that covers my overseas travel
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2021
    Hi Audrey, I checked on Qantas American Express Discovery Credit Card’s insurance information and only domestic travel insurance is included. You may however reach out to American Express to add an international travel insurance coverage, however it sounds like your CBA has that covered. As always read the PDS of your policy very closely for inclusions and exclusions before jetting off!
Bonnie Marnock

Bonnie Marnock

1 August 2021
Hello, I wanted to check to see if a purchase made with Wise, a money transfer company, would be considered a cash advance or as a purchase. Their merchant category codes are 4829 & 6012. I am considering new Qantas frequent flyer earning credit cards at the moment.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 August 2021
    Hi Bonnie, this is a great question. This varies based on what credit card you did the transaction with. As you’ve noted, some charge as cash advance which can accrue interest from the time it is processed. It would be worth contacting your issuer and quoting those merchant codes to find out. Sorry we couldn’t be more specific for you on this matter.

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