- 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
- 0% on balance transfers for the first 12 months. A one-off credit plan establishment fee of 1% applies to balance transfers. Please note, no interest free days apply to retail purchases while you have a balance transfer
- No Annual Fee
- Up to 4 Additional Card Members at no cost
- No points capping
Pros
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
0% on balance transfers for the first 12 months. A one-off credit plan establishment fee of 1% applies to balance transfers. Please note, no interest free days apply to retail purchases while you have a balance transfer
No Annual Fee
Up to 4 Additional Card Members at no cost
No points capping
Cons
The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less
Pay no annual fee and earn Qantas points
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 20.74% p.a. |
| Cash advance rate | N/A |
| Interest free on purchases | up to 44 days |
| Balance Transfer | |
| Balance transfer rate | 0% p.a. for 12 months |
| Balance transfer fee | 1% one off |
| Balance Transfer revert rate | 20.74% p.a. |
| Balance transfer limit | $10,000 or 70% of your approved new credit limit |
| Balance transfer from personal loan | N/A |
| Banks you can't balance transfer from | American Express |
| Credit limits | |
| Minimum credit limit | $2,000 |
| Maximum credit limit | $100,000 |
| Fees & repayments | |
| Annual fee | $0 p.a. |
| Additional cardholder fee | Up to 4 at no extra cost |
| Cash advance fee | N/A |
| Foreign transaction fee | 3% |
| Minimum repayment | 2.5% or $30. Full closing balance for the Amex Platinum Charge Card |
| Late payment fee | $30 |
| Credit card type | American Express |
| Rewards program | |
| Rewards program |  Qantas Frequent Flyer |
| Annual points cap | uncapped |
| Bonus points spend criteria | N/A |
| Earning points with this card | |
| Qantas points | 0.75 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | N/A |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | Yes |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| Global Card Support | |
| Eligible with Apple Pay, Samsung Pay and Google Pay |
Qantas American Express Discovery Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.
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 need a 12-month 0% p.a. balance transfer offer – and you 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...
While we’ve not yet gone into detail about the card’s balance transfer offer, it’s worth pointing out a few factors you may need to know, should you choose to transfer a balance onto this card.
First up, the maximum balance transfer you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less. You will also be expected to pay a one-off credit plan establishment fee of 1% on all balance transfers.
In addition, 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 balance transfer offer, so you can enjoy 0% p.a. on balance transfers for 12 months. 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 and a 12-month 0% p.a. balance transfer offer – all with no annual fees, ever.
7 questions (showing the latest 10 Q&As)
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
- 0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies. Please note, no interest free days apply to retail purchases while you have a balance transfer
- 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
- Be over 18 years old
- Good credit and 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
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