- 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 additional Qantas Point per $1 spent on selected Qantas products and services in Australia
- No Annual Fee
- Up to 4 Additional Card Members at no cost
- No points capping
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Virgin Money No Annual Fee Credit Card
0% for 12 months on Balance Transfers*
* Reverts to 20.99% p.a. Pay no annual fee, ever.
Pros and cons
- No balance transfer introductory offer
Creditcard.com.au review
Editor Review
Qantas American Express Discovery Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The Qantas American Express Discovery Credit 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 Point per $1 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 additional Qantas Point 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.
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 sizeable, so to make the most of the features on offer, be sure to pay off the balance each month before it starts attracting interest.
Why should you choose this card?
You may choose this card for its no annual fee. 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
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 limt $2,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $0 p.a.
Additional card holder fee Up to 4 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card
Cash advance fee N/A
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
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
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 additional Qantas Point per $1 spent on selected Qantas products and services in Australia. 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 current Business Long Stay Visa (subclass 457) that earn a minimum of income of $35,000 p.a.
Key features
- 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 additional Qantas Point per $1 spent on eligible Qantas products and services in Australia
- No Annual Fee
- Pay no annual card fee for up to 4 Additional Card Members
- No points capping
- Purchase and Refund Protection
- Emergency Card Replacement (usually within 48 hours)
- Special benefits at Amex Connect
- You can redeem your Qantas Points for Classic Flight Rewards with Qantas and over 50 partner airlines and their affiliates
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 current Business Long Stay Visa (subclass 457)
-
Minimum income of $35,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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