- Qantas Frequent Flyer earning: Earn 1 Qantas Point per $1 on eligible online and international spend, and 0.5 Qantas Points per $1 on other eligible domestic purchases.
- Dedicated Qantas integration: Qantas Points automatically transfer to your Qantas Frequent Flyer account each statement period once your membership number is linked.
- Travel benefits: Two Priority Pass lounge visits per year plus complimentary international and domestic travel insurance can add value for regular travellers.
- Purchase and device cover: Includes purchase protection, extended warranty and mobile phone insurance on eligible transactions and plans.
- Hotel and travel discounts: Access to limited-time offers such as discounts with Luxury Escapes, Expedia and Wotif.
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MyCard Credit Cards
MyCard Premier Qantas
Updated 3 December 2025
If you want to earn Qantas Points on everyday spend while accessing travel benefits like lounge visits and complimentary insurance, the MyCard Premier Qantas Credit Card could be worth considering.
Terms and conditions apply.
Points Earn Rate (per $1 spent)
1 point
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
N/A
Pros and cons
- The purchase rate of 22.49% p.a. is higher than many low-rate cards, so interest costs may be significant if you carry a balance.
- The annual fee of $350 p.a. means the card is better suited to frequent users who can take advantage of Qantas Points and travel benefits.
- Qantas Points earning is capped at 100,000 points per 12-month period, which may limit value for very high spenders.
- Foreign transaction fees of 3.5% apply to overseas and foreign currency purchases.
Creditcard.com.au review
Editor Review
MyCard Premier Qantas
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.
Overall Rating
The MyCard Premier Qantas Credit Card is designed for travellers who want to earn Qantas Points directly from their spending while accessing lounge visits and travel insurance. The earn structure rewards online and international spending at the higher rate, and automatic conversion to Qantas Points keeps the rewards program straightforward.
However, the relatively high annual fee and purchase rate mean the card is best suited to those who will make consistent use of the rewards and travel inclusions and who normally repay their balance in full each month.
What I love about the MyCard Premier Qantas Credit Card
Direct Qantas Points earning: Points go straight into your Qantas Frequent Flyer account, which can simplify tracking and redemption for flights, upgrades and other Qantas rewards.
Integrated travel benefits: Two Priority Pass lounge visits a year plus complimentary travel insurance can enhance the value of international and domestic trips.
Solid everyday coverage: Purchase protection, extended warranty insurance and mobile phone insurance provide added reassurance on eligible purchases and phone plans.
What’s Not So Great
The annual fee of $350 p.a. and the high ongoing interest rate may not suit budget-conscious or occasional users. The yearly points cap of 100,000 Qantas Points also limits the benefit for very high spenders who want to put a large volume of transactions through the card.
In addition, as Qantas Points only accrue once a valid Qantas Frequent Flyer membership number is provided, there is a dependency on that program, including any changes to its rules or reward pricing.
Who suits the MyCard Premier Qantas Credit Card?
This card is likely to suit frequent travellers and Qantas Frequent Flyer members who want to earn points on a mix of online, international and domestic spend, while taking advantage of lounge access and travel insurance. It may be particularly appealing to those who value Qantas Points for flights, upgrades or partner redemptions and who are comfortable with a higher annual fee in exchange for travel benefits.
For cardholders who regularly travel, pay off their balance on time and make full use of the included insurances and lounge visits, the MyCard Premier Qantas Credit Card can represent a compelling Qantas-focused option.
Verdict: MyCard Premier Qantas Credit Card
Best for: Qantas Frequent Flyer members who travel regularly and want a card that directly earns Qantas Points with added travel benefits.
Why we like it: Competitive Qantas Points earn on online and international spend, combined with lounge visits and complimentary insurances, creates a well-rounded travel package for frequent flyers.
Consider if: You use Qantas Points often, value lounge access and insurance, and typically clear your balance each month.
Not ideal for: Occasional card users, those mainly interested in low interest rates, or travellers who prefer non-Qantas reward programs.
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 $10000
Maximum credit limit $100,000
Fees & repayments
Annual fee $350 p.a.
Additional cardholder fee Up to 4 – $0 p.a. each
Foreign transaction fee 3.5%
Minimum repayment
Cash advance fee 3.5% or $3.50 (whichever is greater)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program 
Qantas Frequent Flyer
Bonus points N/A
Annual points cap 100,000
Bonus points spend criteria N/A
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
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance Yes
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Two complimentary Priority Pass airport lounge visits per membership year for the primary cardholder
Up to 15% off eligible Luxury Escapes hotels (offer caps and conditions apply)
10% off selected Expedia hotels and 10% off selected Wotif hotels when booked via the specified links and paid with a MyCard credit card
Personal concierge service for the primary cardholder via Mastercard Travel & Lifestyle Services
Access to MyCard Instalment Plans on eligible purchases, using part of your existing credit limit
Overview
MyCard Premier Qantas
The MyCard Premier Qantas Credit Card is designed for cardholders who want to earn Qantas Points on everyday spending while accessing a range of travel-related benefits. With a $350 annual fee, a 22.49% p.a. retail purchase rate and a 22.99% p.a. cash advance rate, it suits users who plan to repay their balance in full to maximise the value of the rewards and extras on offer.
Cardholders earn 1 Qantas Point per $1 on eligible online and international spend, and 0.5 Qantas Points per $1 on other eligible domestic transactions, with points capped at 100,000 Qantas Points per 12-month period. Qantas Points are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period.
The card also provides two Priority Pass airport lounge visits per year for the primary cardholder, along with complimentary international and domestic travel insurance, purchase protection, extended warranty insurance and mobile phone insurance when eligibility criteria are met. With a minimum credit limit of $10,000 and up to 44 days interest-free on purchases when the closing balance is paid in full, the MyCard Premier Qantas Credit Card may appeal to frequent travellers who want to earn Qantas Points and take advantage of added travel benefits.
Key features
- Purchase rate: 22.49% p.a.
- Annual fee: $350 p.a.
- Cash advance rate: 22.99% p.a.
- Interest-free days: Up to 44 days on purchases when paid in full
- Minimum credit limit: $10,000
- Card type: Mastercard
- Additional cardholders: Up to 4 complimentary additional cardholders (must be at least 16 years old)
- Airport lounge access: 2 complimentary Priority Pass lounge visits per membership year for the primary cardholder
- Extras: Complimentary international & domestic travel insurance, mobile phone insurance, purchase protection and extended warranty on eligible purchases
- Foreign currency fee: 3.5% of transaction amount
- Accepted globally: Yes, anywhere Mastercard is accepted
- Late payment fee: $30
Minimum criteria to apply for this card
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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