- Big bonus: Up to 100,000 Qantas Points (70k + 30k; offer ends 23 Oct 2025)
- Strong earn: 1 Qantas Point per $1 on eligible online & international spend; 0.5/$1 on other domestic spend (cap 100k pts per 12 months)
- Airport lounge: Priority Pass membership + 2 complimentary visits per year
- Insurance suite: International/Domestic Travel Insurance, Mobile Phone Insurance, Purchase Cover & Extended Warranty
- Partner savings: Luxury Escapes (MYLUXPROMO, MYLUXTOURS10), Expedia/Wotif (EXP10TRVL, WOT10TRVL), Trip.com (AUSFLY5), BINGE cashback
- Up to 44 days interest-free on purchases when you pay in full; supports Apple Pay/Google Pay/Samsung Pay
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Citi Credit Cards
Citi Premier Qantas Credit Card
Updated 7 October 2025
Up to 100,000 bonus Qantas Points is on the table: earn 70,000 points when you spend $6,000 on eligible purchases in the first 3 months from approval, then another 30,000 points when you keep your card open for over 12 months. Offer ends 23 October 2025. New accounts only. T&Cs and exclusions apply.
Plus enjoy Priority Pass membership with 2 airport lounge visits every year, complimentary travel cover, mobile phone insurance and partner discounts on hotels, tours and flights.
Points Earn Rate (per $1 spent)
1 point
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
70,000 pts
+ 30,000 Qantas Points when you keep your card open for over 12 months. Conditions apply.
Pros and cons
- Points cap: Earned Qantas Points capped at 100,000 per 12 months (Citi PayAll not included in cap)
- Relatively high $350 annual fee
- High interest rates: 22.49% p.a. purchases, 22.99% p.a. cash advances — best value if you pay in full
- International transaction fee: 3.4% on overseas transactions
- Interest-free caveat: Interest-free days don’t apply while you have a balance transfer on the account
Creditcard.com.au review
Editor Review
Citi Premier Qantas Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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⚠️ IMPORTANT update – Citi credit cards
Citi has announced updates to its Terms and Conditions to reflect the new MyCard brand, app, online experience, and other related changes.
New Citi credit card applications will be temporarily unavailable from 24 October 2025. Any saved applications must be submitted before 26 October 2025, as incomplete applications will be cancelled after this date.
Editor's Review: What we love about the Citi Premier Qantas card
The Citi Premier Qantas Credit Card lines up a compelling mix of bonus points, everyday earn rates and premium perks. The headline is an offer of up to 100,000 bonus Qantas Points — 70,000 after you spend $6,000 on eligible purchases in the first 3 months, plus 30,000 more when you keep your card open for over 12 months. Offer ends 23 October 2025. That’s a serious haul toward classic rewards flights or upgrades.
How many Qantas Points can you earn day to day?
- 1 Qantas Point per $1 on eligible online spend within Australia
- 1 Qantas Point per $1 on eligible international spend (overseas or with merchants based overseas)
- 0.5 Qantas Point per $1 on all other eligible domestic transactions
Points earned on card spend are capped at 100,000 per 12 months (cap excludes points via Citi PayAll). That’s generous for a mid-premium card and aligns with how frequent flyers typically split online/international purchases.
Airport lounge access & travel perks
Cardholders receive Priority Pass™ Standard Membership with two complimentary lounge visits each membership year (primary cardholder). This pairs nicely with the card’s complimentary International & Domestic Travel Insurance, which can cover trip cancellations, delays and more when you meet eligibility criteria.
Partner savings that stack
- Luxury Escapes: 15% off Limited Time LUX Exclusive hotels (MYLUXPROMO) and 10% off international tours (MYLUXTOURS10) booked by 1 Mar 2026.
- Trip.com: 5% off international flights from Australia with AUSFLY5 — book by 31 Dec 2025, travel by 30 Sep 2026.
- Expedia & Wotif: 10% off selected hotels with EXP10TRVL or WOT10TRVL — book by 31 Jan 2026, stay by 30 Jun 2026.
- BINGE: $10 cashback every month on Standard or Premium plans until 31 Oct 2025.
Protection & everyday usability
Beyond travel cover, the card includes Mobile Phone Insurance alongside Purchase Cover and Extended Warranty — valuable inclusions for a card in this tier. Add up to 4 additional cardholders at no extra fee, and pay with Apple Pay, Google Pay or Samsung Pay. You can also use Citi Instalment Plans to split big buys into fixed payments.
What’s not so great
- $350 annual fee — typical for premium Qantas-earning cards but worth weighing against benefits.
- High ongoing interest rates (22.49% p.a. purchases; 22.99% p.a. cash advances) — plan to pay in full.
- 3.4% international transaction fee on overseas purchases.
- Interest-free days don’t apply while a balance transfer is present on the account.
Editor’s Summary
With a sizeable welcome bonus, practical lounge access, solid earn rates for online and international purchases, and a deep bench of protections and partner deals, the Citi Premier Qantas card delivers strong value for frequent travellers. If you can maximise the bonus and make use of the lounge visits and insurance, it’s a well-rounded Qantas-earning option.
User reviews
Rates and fees
Interest rates
Purchase rate 22.49% p.a.
Cash advance rate 22.99% p.a.
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $10,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $350 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 70,000 points
Annual points cap 100,000
Bonus points spend criteria + 30,000 Qantas Points when you keep your card open for over 12 months. Conditions apply.
Earning points with this card
Qantas Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance Yes
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Travel insurance underwritten by Allianz Global Assistance
Guaranteed Pricing Scheme
Mobile Phone Insurance
Overview
Citi Premier Qantas Credit Card
The Citi Premier Qantas Credit Card currently offers up to 100,000 bonus Qantas Points — 70,000 points when you spend $6,000 on eligible purchases in the first 3 months from approval, plus an additional 30,000 points when you keep your card open for over 12 months (offer ends 23 October 2025). You’ll also get Priority Pass™ membership with two lounge visits every year, complimentary international and domestic travel insurance, mobile phone insurance, and money-saving partner offers (Luxury Escapes, Expedia/Wotif, Trip.com, BINGE). The annual fee is $350. Retail purchase rate 22.49% p.a.; cash advance rate 22.99% p.a.; up to 44 days interest-free on retail purchases when you pay in full each statement.
Key features
- Bonus Points: Up to 100,000 Qantas Points — 70,000 after $6,000 eligible spend in 3 months + 30,000 after your card remains open over 12 months. Offer ends 23 Oct 2025.
- Annual fee: $350
- Interest-free period: Up to 44 days on retail purchases when you pay your full statement balance by the due date
- Earn rates: 1 Qantas Point per $1 on eligible online and international transactions; 0.5 Qantas Point per $1 on other eligible domestic spend
- Points cap: Up to 100,000 Qantas Points per 12-month period on card spend (Citi PayAll points not counted towards the cap)
- Priority Pass™: membership with 2 complimentary lounge visits each year (primary cardholder)
- Complimentary insurances: International & Domestic Travel Insurance, Mobile Phone Insurance, Purchase Cover, Extended Warranty and more
- Wallets: Apple Pay, Google Pay and Samsung Pay compatible
- Luxury Escapes: 15% off Limited Time LUX Exclusive hotels (up to $250 per booking) with code MYLUXPROMO and 10% off international tours (up to $250) with MYLUXTOURS10. Book by 1 Mar 2026.
- Trip.com flights: 5% off international flights from Australia with code AUSFLY5. Book by 31 Dec 2025 for travel until 30 Sep 2026.
- Expedia & Wotif: 10% off selected hotels with EXP10TRVL (Expedia) or WOT10TRVL (Wotif). Book by 31 Jan 2026; stay by 30 Jun 2026.
- BINGE cashback: Get $10 back every month on Standard or Premium plans. Available until 31 Oct 2025.
- Concierge: 24/7 Personal Concierge Service for travel, dining and experiences
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
An Australian citizen or permanent resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 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
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