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Up to 70k 50,000 when you spend $6,000 in first 90 days and 20,000 when you keep your card open for over 12 months
Citi Premier Qantas Credit Card
Citi Premier Qantas Credit Card

Citi Credit Cards

Citi Premier Qantas Credit Card

Updated 1 May 2024

Well played, Citi. 👏 Giving away up to 70,000 bonus Qantas Points - 50,000 bonus points (a return trip to Tokyo, if you please*) is a nice way to win the hearts of frequent flyers and holidaymakers. Plus, earn an additional 20,000 bonus points when you keep your card for over 12 months.

This one is worth checking out if you like earning points, perks, and international travel. It comes with a half-price annual fee, and a few simple conditions to unlock all those bonuses.

Points Earn Rate (per $1 spent)

1 point

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

Up to 70k pts

50,000 when you spend $6,000 in first 90 days and 20,000 when you keep your card open for over 12 months

Pros and cons

  • Points: Up to 70,000 bonus Qantas Points - 50,000 when you spend $6,000 or more on eligible purchases within 90 days from approval, plus an additional 20,000 bonus points when you keep your card for over 12 months*
  • Annual fee: $350 in the first year. $175 in subsequent years if you spend $48,000 or more on eligible purchases or cash advances in the previous year*
  • Travel: Complimentary Priority Pass lounge passes and travel insurance
  • Insurance: Complimentary insurances including Mobile Phone Protection*
  • Extras: Earn cash back when you use your card at participating stores with Citi's My Cashback program
  • *Please note: terms and conditions apply

  • Qantas Points are limited to 100,000 in a 12-month period (doesn't include Citi PayAll points)
  • Annual fee is $350 if you don’t meet the discount requirements
  • 55 days interest free won’t apply for retail purchases if you have a balance transfer
  • Very high cash advance rates, currently 22.24%

Creditcard.com.au review

Editor Review

Citi Premier Qantas 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.

Who suits the Citi Premier Qantas card?

Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun. Deal Digger: you're always on the lookout for freebie perks like insurances, dining discounts and earning points for paying bills. Money Geek: you watch your accounts, and like budgeting and hitting money goals. You want good bang for your bucks.

Editor's Review: What we love about the Citi Premier Qantas card

The Citi Premier Qantas card is on par with the big guns for earning top-notch travel rewards. It may not be dishing out the biggest number of bonus Qantas Points on sign-up (some are 100k+), but it still stacks up: it has one of the highest Qantas-Points-earning rates along with the opportunity to pay a substantially lower annual fee compared to others in the rewards card space.

First, I’ll explain the terms behind the perks:

  • Up to 70,000 bonus Qantas Points: to earn these, you need to be a new Citi Premier Qantas card customer (you can have had Citi credit cards before, though). Points are awarded on a tiered basis: 50,000 when you spend $6,000 or more on eligible purchases within 90 days from approval, plus an additional 20,000 bonus points when you keep your card for over 12 months.
  • Annual fee discount: Pay the regular annual fee of $350 in the first year. You’ll get 50% off in subsequent years if you spend $48,000 or more on eligible purchases or cash advances in the previous year. With the discount, the annual fee is $175.

How can the Citi Premier Qantas card make travel cheaper?

Most of the extras with this credit card revolve around travel, accommodation, dining out and travel-related expenses:

Feature How it saves money Potential savings
International Travel Insurance This travel insurance activates when you buy flights using the card, and could save you money on insurance for trips up to 6 months if you read the terms and feel satisfied that you’ll be covered for your trip and you meet eligibility criteria. The insurance may cover unexpected expenses such as cancellations, medical expenses, loss or theft of property and more. $50-$1,000+ depending on frequency of travel, age and destination.
Priority Pass Membership Priority Pass gives you access to Qantas lounges at different airports around the world. You’ll get 2 complimentary visits per year for the primary cardholder. $115 approx.

How many Qantas Points can you earn?

A true travellers card, the Citi Premier Qantas card rewards you best when you’re shopping online or overseas. These rates apply to eligible spending, which is your regular retail purchases:

  • 1 Qantas Point for every $1 you spend internationally
  • 1 Qantas Point for every $1 you spend online within Australia
  • 0.5 Qantas Points for every $1 you spend in-person in Australia

⚠ You can only earn a maximum of 100,000 Qantas Points per year with this card. However, that doesn’t apply to points you earn through City PayAll.

Citi PayAll is like the Black Pearl of the rewards world: it sneaks in and plunders points where others fear to go. You can earn 0.5 Qantas Points when you use the Citi PayAll feature in the Citi Mobile App to pay rent, taxes, education fees, childcare, property management fees, miscellaneous bills and more…and, these points are bottomless, much like Captain Jack’s bottle.

More deal-sweeteners and perks

Citi and the Citi Premier Qantas card have a lot of extras, so I’ve summarised them here to keep it short and sweet.

Feature How it helps you
Concierge services Massively underrated, concierges are on-hand 24/7 to help you organise travel, accommodation, entertainment bookings, shopping and source information on services like pet care.
Insurance Besides the free International Travel Insurance, you also get Mobile Phone Protection (another rare feature), Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme on eligible purchases. These insurances can help you save money on lost, damaged and stolen items, or when you find a better price elsewhere.
Free additional cardholders Add up to 4 extra cards to earn more rewards and meet the spend requirements for the annual fee discount. Just be aware that many of the card’s features only apply to the primary cardholder.
Citi PayAll As explained earlier, you can earn 0.5 Qantas Points per $1 on payments that are normally excluded, such as rent, childcare and education fees, and taxes.
Citi Quick Cash As an alternative to Payday loans and Pay on demand apps, Citi lets you access from $500 up to 90% of the credit available on your card (same-day, if you’re transferring it to a personal Citi account).
Citi Instalment Plans In Buy now pay later fashion, you can break up big purchases into smaller payments with a fixed interest rate over a set term.

What's not so great

As good as this card is, it does have some conditions in the fine print you should know about.

Switching rewards programs. If you switch from earning Qantas Points for Citi’s own rewards program points, the annual fee changes to $300.

International transaction fee. You’ll pay 3.4% of the amount for any retail transaction or cash advance (money withdrawn from your credit card) from a merchant overseas. There’s also an international cash advance fee of $5 per withdrawal.

Cash advances in Australia. A 3.5% fee (charged at a minimum of $3.50) is charged when you withdraw cash from your card in Australia.

Citi PayAll costs. Citi Payall was free to use for new payments until October 31, 2023. The transaction fee has kicked back in, but it's been reduced from 2% to 0.95% of the amount being paid. So, you'll need to weigh up the points you would earn against the cost of the % fee when paying your bills to decide if it’s worth it.


What can you get with Qantas Points?

Flights & Travel
110,400 Qantas points =
return flight to London
Shopping
96,890 Qantas points =
Apple watch SE
Gift cards
23,330 Qantas points =
$100 Bunnings gift card
Points are correct as at April 12, 2024. Points values may change, so please check the Qantas website to calculate your rewards.

You can use Qantas Frequent Flyer points for airlines in the oneworld Alliance, including British Airways, Cathay Pacific, American Airlines and Malaysia Airlines.

Qantas Points can also be redeemed for anything in the Qantas Rewards store. That includes appliances, homewares, electronics, gift cards and even subscriptions like Spotify.

💡Earn more points by double-dipping: 2000 Woolworths Everyday Rewards points are worth 1000 Qantas Points. Tap both at the checkout and set your Everyday Rewards points to transfer automatically to Qantas Points.

Editor’s Summary

The Citi Premier Qantas card is flush with premium features, which is why the standard annual fee is $350; an average fee for a high-tier rewards card, and a pretty special deal if you can swing the 50% discount each year.

To get the most out of the card, you’ll want to check that you would spend enough each year to unlock the bonuses and earn decent Qantas Points. Overall, it’s a card with a number of ways to earn points, plus freebies and perks, and the potential to deliver very good bang for your (points-earning) bucks.

User reviews

Citi Premier Qantas Credit Card ( based on 2 Creditcard.com.au user reviews )

100% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 21.49% p.a.

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 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 Qantas Frequent Flyer

Bonus points Up to 70k points

Annual points cap 100,000

Bonus points spend criteria 50,000 when you spend $6,000 in first 90 days and 20,000 when you keep your card open for over 12 months

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

Guaranteed Pricing Scheme

Fraud protection

Overview

Citi Premier Qantas Credit Card

Key features

  • Earn up to 70,000 bonus Qantas Points on a new Citi Premier Qantas Credit Card. Points will be awarded on a tiered basis: 50,000 bonus Qantas Points when you spend $6,000 in the first 90 days plus an extra 20,000 bonus Qantas Points when you keep your card open for over 12 months
  • Pay the annual fee of $350 in the first year and have it reduced to $175 each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year
  • 55 days interest free on purchases if you pay off the balance in full by the due date
  • Cashback and discounts with participating retail and service provider partners
  • Qantas Points are earned at 1 point per $1 spent on eligible transactions online and internationally, or 0.5 points per $1 on domestic spend elsewhere
  • Earn Qantas Points on expenses including rent, taxes, education, property management fees, and childcare with Citi PayAll Spend
  • Enjoy 10% discount (up to $250) Limited Time Lux Exclusive hotel offers. Offer available until 1 March 2025.
  • Complimentary lounge passes and travel insurance
  • Compatible with Apple Pay, Google Pay and Samsung Pay

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

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 our credit card expert a question.

70 questions (showing the latest 10 Q&As)

Luke

Luke

9 May 2024
Hey! I was wondering if its only .5 points per purchase in Australia? SO for every dollar spent in store - lets say Woolworths for example - I earn .5 points per $1?
    Pauline - CreditCard.com.au

    Pauline

    14 May 2024
    Hi Luke, yes that's correct. If you’re shopping within Australia, you’ll earn 0.5 points for every dollar spent on in-person/in-store purchases. So if your weekly Woolies shop comes to $100, you’ll earn 50 points for the shop. If you’re an Everyday Rewards member and have chosen to convert your points to Qantas, you can double-dip on your spend if you remember to scan your Woolies card.
Thomas

Thomas

27 March 2024
Hi, Will i earn Qantas Points if I am paying with google Wallet? Thanks
    Pauline - CreditCard.com.au

    Pauline

    28 March 2024
    Hi Thomas, if you’re using your Google Wallet to make an eligible transaction, then you’ll definitely earn Qantas Points.
Shridhar

Shridhar

4 November 2023
I previously had Citi card which I cancelled 1 year ago. Am I still eligible to apply and get Qantas reward points
    Pauline - CreditCard.com.au

    Pauline

    15 November 2023
    Hi Shridhar, Citi says you are eligible as long as you haven’t had a Citi Premier Qantas card before. If you’re not sure, you can contact Citi directly before you apply.
James

James

18 September 2023
Does the $6,000 minimum spend for the bonus points include Citi PayAll spend?
    Pauline - CreditCard.com.au

    Pauline

    19 September 2023
    Hi James, yes Citi has confirmed with us that Citi PayAll payments count towards the minimum spend. Thanks!
David

David

6 September 2023
You state in the Citi Payall that utility and education expenses are eligible to earn Citi rewards that are then transferable to qantas points. can you confirm that if I was to pay private school fees for my children's this is eligible ?
    Pauline - CreditCard.com.au

    Pauline

    8 September 2023
    Hi David, it’s always really hard to know what exactly constitutes an eligible purchase for points! Citi PayAll does specifically mention school fees being accepted, but it would also be wise to ask the school if they even accept credit card, and weigh up the credit card fees against the points you’d earn. Thanks David!
Richard Smart

Richard Smart

5 September 2023
If there is an annual points cap of 100,000 and you get a bonus of 70,000 after 3 months, that only leaves a maximum of 30,000 to be earned on eligible spend during the year (assuming the additional 30,000 bonus comes in year 2)..? Is that correct? Doesn't feel like much extra point earning potential...?
    Pauline - CreditCard.com.au

    Pauline

    5 September 2023
    Hi Richard, the bonus points don’t count towards the annual points cap, luckily! I recently confirmed this with Citi. So, you’ll be free to earn up to 100k points on your spending even with the bonus points. Thanks Richard!
Sylvia Deniso

Sylvia Deniso

8 August 2023
What are eligible purchases?
    Pauline - CreditCard.com.au

    Pauline

    9 August 2023
    Hi Sylvia, good question! Eligible purchases are your daily transactions. These can include purchases made at specific retailers, online stores, or for particular categories like groceries or travel. Card issuers including Citi do not publish a list of what’s considered eligible but these generally exclude cash advances, balance transfers, BPAY payments, and other non-purchase transactions.
denise

denise

30 July 2023
Hi- with this citi premier qantas c/c, the review states the complimentary 2 qantas lounge passes are for the primary card holder. So can the additional card holder not use these passes like you can with the anz frequent flyer card? thanks
    Pauline - CreditCard.com.au

    Pauline

    1 August 2023
    Hi Denise, good question! I checked this for you and it states that the lounge visits are complimentary to the primary cardholder only. Any additional visits or visits made by your guests (including additional cardholders) will incur charges directly from Priority Pass and will be billed to you.
Alex

Alex

18 July 2023
Are there any eligibility criteria if you've recently had credit cards with other banks in the last 12 months? eg: Qantas, NAB, St George
    Pauline - CreditCard.com.au

    Pauline

    19 July 2023
    Hi Alex, there’s no mention of not being qualified if you’ve previously held cards from other card providers. However, it does state in Citi Premier Qantas card’s terms that the offer is available to new Citi Premier Qantas card applicants only. Hope this helps!
Jackie

Jackie

13 July 2023
Can medical bills be accepted as the amount you need to spend in 3 months
    Pauline - CreditCard.com.au

    Pauline

    17 July 2023
    Hi Jackie, this will entirely depend on how your medical professional is set up with their payments system. You should consider checking with your practitioner on how they are set up.

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