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Up to 120k 90,000 when you spend $3,000 in first 60 days and 30,000 when you keep your card open for over 12 months
NAB Qantas Rewards Signature Credit Card
NAB Qantas Rewards Signature Credit Card

NAB Credit Cards

NAB Qantas Rewards Signature Credit Card

Updated 9 August 2022

Earn up to 120,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (90,000 when you spend $3,000 on everyday purchases in the first 60 days and 30,000 when you keep your card open for over 12 months). Get a reduced annual fee of $295 for the first year (saving you $100), $395 thereafter. Plus, enjoy 0% p.a. for 12 months on balance transfers (a one-off 3% balance transfer fee applies). BT reverts to variable cash advance rate. Eligibility criteria and T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Capped at $5000, then 0.5 pts per $1 up to $20,000

Rewards Program

Qantas Frequent Flyer

Bonus Points

Up to 120k pts

90,000 when you spend $3,000 in first 60 days and 30,000 when you keep your card open for over 12 months

Pros and cons

  • Earn up to 120,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card. Points will be awarded on a tiered basis: 90,000 bonus Qantas Points when you spend $3,000 in the first 60 days plus an extra 30,000 bonus Qantas Points when you keep your card open for over 12 months
  • Reduced annual fee of $295 for the first year (saving you $100), $395 thereafter
  • 0% p.a. for 12 months on balance transfers with a one off 3% balance transfer fee. BT reverts to variable cash advance rate of 21.74% p.a.
  • Earn 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Personal NAB Concierge available 24/7 to assist with travel and lifestyle services
  • Up to 44 interest-free days on purchases
  • Tap and pay your way. Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay

  • Points cap of $20,000 per month

Creditcard.com.au review

Editor Review

NAB Qantas Rewards Signature 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.

The Big Review: NAB Qantas Rewards Signature Card

NAB’s highest earning Qantas card, the NAB Qantas Rewards Signature Card provides cardholders with much more than just a great earn rate on the Qantas program. If you apply now, you can also receive up to 120,000 bonus Qantas Points, earn a reduced first year annual fee and pay 0% p.a. on balance transfers for 12 months. You'll also get a personal concierge service, six complimentary insurances and access to exclusive lifestyle, entertainment and travel rewards, deals and discounts through Visa Offers + Perks.

  • Up to 120,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (90,000 when you spend $3,000 within the first 60 days and 30,000 when you keep your card open for over 12 months).
  • Reduced annual fee of $295 for the first year (saving you $100). This fee reverts to $395 p.a. from the second year
  • 0% p.a. on balance transfers for 12 months
  • Up to 44 days interest free on purchases
  • Earn 1 Qantas Point per $1 up to $5,000 and 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases
  • Earn 1 additional Qantas Point per $1 on eligible Qantas products and services
  • Free Qantas Frequent Flyer membership (a saving of $99.50)
  • Redeem rewards in the Qantas program, including award flights, products and vouchers from the Qantas store
  • 24/7 Personal Concierge
  • Access to lifestyle, entertainment and travel rewards, deals and discounts with Visa Offers + Perks
  • Complimentary insurance cover on eligible travel and retail purchases
  • $15,000 minimum credit limit
  • Balance transfer must be applied for during card application (a 3% balance transfer fee applies). BT reverts to variable cash advance rate of 21.74% p.a.
  • Offer unavailable if closing/transferring from another NAB credit card account.
  • Variable Purchase rate: 19.99% p.a.
  • Variable Cash Advance rate: 21.74% p.a.
  • Points are capped at $20,000 spend per statement period.
  • Interest free days only available if you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer.

This Card: The Lowdown

Providing premium perks and a decent points-earning potential, the NAB Qantas Rewards Signature Card is an excellent choice for cardholders who want to earn big on the Qantas frequent flyer program.

With this card, you can earn Qantas Points on everyday purchases with the opportunity to earn additional points on eligible Qantas spending. If you apply, you can also enjoy up to 120,000 bonus Qantas Points to spend as you like.

Splurging 120,000 bonus Qantas Points

Where could you go?

  • You could fly Sydney to Auckland one-way six times, using 18,000 Qantas Points each time.
  • You could fly Melbourne to Nadi for 20,300 Qantas Points in Economy, or 57,000 Qantas Points in Business.
  • You could check out Europe, flying from Perth to Hamburg for 61,200, or from Perth to Lisbon for 65,200, or Qantas Points each way.
  • You could explore the United States, flying one way from Brisbane to Seattle for 100,600 Qantas Points, Brisbane to Los Angeles or Phoenix for 41,900 Qantas Points, or Brisbane to Las Vegas for 41,900 Qantas Points each way.

Point calculations are accurate as of 01 August 2022 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official NAB page for the updated calculations.

As a premium card, the NAB Qantas Rewards Signature Card has plenty going for it.

  • 24/7 Personal Concierge, providing assistance by booking travel, making dinner reservations, buying tickets and arranging the purchase and delivery of gifts for loved ones.
  • Access to lifestyle, entertainment and travel rewards, deals and discounts through Visa Offers + Perks.

Six complimentary insurances covering eligible travel and retail purchases:

  • International travel insurances cover,
  • Extended warranty insurance cover,
  • Purchase protection insurance cover,

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the NAB Qantas Rewards Signature Card so you can decide whether this card is right for you.

This Card: As a Rewards Card

As this card has the highest earn rate among the trio of NAB Qantas Frequent Flyer linked credit cards, it offers you the best opportunity to earn big on everyday spending when you choose to bank with NAB.

  • Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases,
  • Earn 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases,
  • Earn 1 additional Qantas Point per $1 on eligible Qantas products and services.

Because there is a points cap in place, with points being earned on a tiered system, this card may not be suitable for everyone. However, it is worth noting that there is no points expiry on this card, so you can keep saving the points you earn until you find something you really want to spend them on.

If you are new to the Qantas program, you will receive free Qantas Frequent Flyer membership when you sign up for this card, giving you a saving of $99.50. You may also choose to add an additional cardholder to the account – at no extra cost – to help you earn points faster.

What about those additional bonus Points? When using your card for certain purchases, you can earn 1 additional bonus point per $1 spent. These additional bonus Points will be applied to card transactions on the following:

  • Qantas flights booked directly through qantas.com and Qantas Contact Centres
  • Qantas flights booked through selected travel agents but processed with Qantas Airlines
  • purchases of Qantas Frequent Flyer membership
  • purchases of Qantas Club membership, joining and annual fees
  • purchases of Qantas Gift Vouchers
  • purchases made through qantasstore.com.au, qantasshop.com.au and qantasepiqure.com.au.

As for the 120,000 bonus Qantas Points, there is some small print to take into account. To be eligible for the 120,000 bonus Points offer, you must apply, and be approved. You will earn 90,000 bonus Points when you spend $3,000 on everyday purchases in the first 60 days of account opening which will be credited to your points balance within 3 months of meeting the spend criteria. Plus, you will receive an additional 30,000 bonus Points when you keep your card open for over 12 months*.

In this case, everyday purchases do not include gambling or gaming purchases. In addition, to be eligible, you cannot be an existing customer who has received NAB Qantas Rewards bonus Points for a new personal NAB Qantas Rewards credit card in the past twelve months.

And redeeming your points? Points can be redeemed for travel on a Classic Flight Reward or Points Plus Pay Flight, or on an upgrade using Classic Upgrade Rewards or Bid Now Upgrades.

You could also choose to pay for Qantas Club Membership, to book car hire or accommodation with Qantas Hotels, to shop for premium wines and gourmet food with Qantas epiQure or invest in extra protection with Qantas Insurance.

Or, if you prefer a little retail therapy, you could head to the Qantas Store.

  • Retail Gift Cards: $100 David Jones gift card for 19,010 Qantas Points, $50 Bonds gift card for 9,530 Qantas Points, or $50 Dymocks gift card for 9,530 Qantas Points.
  • Magazine Gift Cards: a 12 month subscription to Vogue Australia for 13,900 Qantas Points, to The Big Issue for 31,300 Qantas Points or to Healthy Food Guide for 10,260 Qantas Points.
  • Experience Gift Cards: Hot Air Ballooning in Melbourne's Yarra Valley for 73,040 points or a Shark Dive in Melbourne Aquarium for two for 104,000 points.
  • Travel Gift Cards: $250 Accor gift card for 47,450 Qantas Points, $100 Jetstar Flight Voucher for 19,010 Qantas Points or a $100 Qantas Cruises Voucher for 25,250 Qantas Points.

Point calculations are accurate but may be subject to change without notice. All routes may have additional taxes and charges.

This Card: As a Premium Card

There is one main reason for choosing a premium card such as the NAB Qantas Rewards Signature Card and that’s its perks. After all, you’re not likely to fork out $395 in annual fees each year if you’re not getting extras in return. For a limited time pay $295 annual card fee for your first year, (saving you $100) then $395 p.a. from the second year. Aside from its rewards program, this card provides cardholders with the following features.

Personal Concierge Service

As a cardholder, you will have access to the NAB Concierge Service which NAB describes as a complete travel and lifestyle service, offered 24 hours a day, seven days a week. Acting in much the same way as a personal assistant, NAB’s personal concierge can assist with all manner of services.

In terms of travel services, the NAB Concierge Service can help you plan out your entire trip, assisting in the booking of all your flights and accommodation. If anything goes awry while you are on your trip, your concierge can help organise medical or legal services, even offering emergency interpretation assistance when needed.

As for everyday services, your concierge can offer assistance by finding, booking and delivering tickets for live music, sports and shows; organising car and limousine rentals; arranging flower delivery; making reservations at health clubs, golf clubs and hotels, or helping with restaurant recommendations and bookings.

Complimentary Insurance Cover

Similar to many other premium credit cards, the NAB Qantas Rewards Signature Card offers a range of complimentary insurances to its cardholders. These include:

  • International travel insurance cover for trips up to 6 months
  • Extended warranty insurance cover
  • Purchase protection insurance cover

As with any type of cover, it’s important to check the small print before relying on any insurance offered on a credit card. For example, to be eligible for:

  • International travel insurance cover, you must use your card to purchase at least $500 of your pre-booked transport costs (such as your airfares or cruise) and land content (such as accommodation, tours or car rental) before your trip.

As for the card’s insurance covering retail purchases:

  • The extended warranty insurance offers cover for a further 12 months on the period of a manufacturer’s expressed original warranty, provided that the original warranty period is not greater than five years.
  • Purchase protection insurance offers cover for new personal items purchased on the card, covering against loss, theft or accidental damage anywhere in the world for three months from the date of purchase.

Be sure to read the insurance policy document carefully for more information on the cover provided as well as eligibility requirements and how to make a claim.

This Card: The Essentials

Just as you should always find out more about any insurance cover on offer, you should also check the small print for all need-to-know info on the card itself. With the NAB Qantas Rewards Signature Card, that starts with the $395 annual fee. As this is a fairly significant outgoing, you should work out whether you are getting more back in rewards and extras than you pay out in that annual fee.

As we mentioned previously, to be eligible for the 90,000 bonus Points, you must spend $3,000 on the card within the first 60 days of card approval. The additional 30,000 Points will be added to your account when you keep your card open for over 12 months*. If you plan on spending that amount on your card anyway, it shouldn’t be an issue. However, if you spend more than you can pay back just to get those points in your pocket, then that's something to worry about.

In terms of interest, the card has a standard variable interest rate of 19.99% p.a. on purchases and 21.74% p.a. on cash advances. That means, to make all the rewards and extras on offer worthwhile, you must clear your balance each statement period before interest starts accruing. Also be aware that any balance transfers left unpaid after the intro period ends will attract the higher cash advance rate.

To be eligible for the card, you must be 18 or over and an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to provide the last overseas address you lived in as well as other details of your residency status.

Decision Time

If you don’t mind spending $3,000 on your card within the first 60 days and keeping your card for over 12 months, then the NAB Qantas Rewards Signature Card is a fantastic way to earn up to 120,000 bonus Qantas Points. It also comes with a reduced annual fee for the first year, a decent earn rate and prestige perks such as complimentary insurance cover, a 24/7 concierge service and access to Visa Offers + Perks.

User reviews

NAB Qantas Rewards Signature Credit Card ( based on 6 Creditcard.com.au user reviews )

62% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.99% p.a.

Cash advance rate 21.74% p.a.

Interest free period on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 21.74% p.a.

Balance transfer from personal loan N/A

Balance transfer fee 3% one off

Balance transfer limit 90% of approved credit limit

Brands you can't balance transfer from NAB

Credit limits

Minimum credit limit $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $395 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $25 whichever is greater

Annual fee the first year $295

Cash advance fee 2% or $2.50 whichever is greater

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points Up to 120k points

Annual points cap 240,000

Bonus points spend criteria 90,000 when you spend $3,000 in first 60 days and 30,000 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 Capped at $5000, then 0.5 pts per $1 up to $20,000

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 No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Complimentary Qantas Frequent Flyer membership (a saving of $99.50)

Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay

Overview

NAB Qantas Rewards Signature Credit Card

Key features

  • Up to 120,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (90,000 when you spend $3,000 within the first 60 days and 30,000 when you keep your card open for over 12 months)
  • Reduced annual fee of $295 for the first year (saving you $100). This fee reverts to $395 p.a. from the second year
  • 0% p.a. for 12 months on balance transfers with a one off 3% balance transfer fee. BT reverts to variable cash advance rate of 21.74% p.a.
  • Earn 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Personal NAB Concierge available 24/7 to assist with travel and lifestyle services
  • Up to 44 interest-free days on purchases
  • Tap and pay your way. Enabled for Apple Pay, Google Pay, Fitbit Pay, Garmin 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

  • Resident or citizen of Australia. Temporary residents are eligible.

  • 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 a our credit card expert a question.

78 questions (showing the latest 10 Q&As)

Emy

Emy

10 August 2022
Does travel insurance cover just yourself or can it include family members travelling with you
    Pauline - CreditCard.com.au

    Pauline

    10 August 2022
    Hi Emy, if you’ve met the eligibility criteria for insurance coverage, your spouse and/or dependants may be covered as well. There are specific exclusions and percentages all detailed in NAB’s official card insurance policy PDF. You can find detailed information on eligibility on page 17.
Janice

Janice

15 July 2022
Do I have to submit all 4 documents - payslips, PAYG, tax return and bank statement?
    Pauline - CreditCard.com.au

    Pauline

    19 July 2022
    Hi Janice, I checked this for you and see that NAB may request all of these from you to provide details about your financial situation. This is part of their due process and obligation to you as a provider of credit.
kelly

kelly

5 July 2022
1. So can this card (NAB Quantas Reward Signature Credit Card) be used to pay for bills with BPAY? 2. Can I apply for this card when I already have a NAB VISA card - not linked to any rewards.
    Pauline - CreditCard.com.au

    Pauline

    6 July 2022
    Hi Kelly, good questions! Please see below for answers. 1. If the biller accepts BPAY as a form of payment, you can. Here’s a piece we’ve written that guides you on how to link your card for BPAY. 2. I checked NAB Qantas Rewards Signature card’s terms and see that you may be eligible. It states that the current offer is not available to those who hold or have held any of the NAB Qantas Rewards card products in the last 12 months. If you feel you’re eligible for the card and are ready to proceed with the application, you can click the green Go To Offer button at the top of this page. Hope this helped! :)
Aarti

Aarti

1 June 2022
Is there a minimum income to apply for this card?
    Pauline - CreditCard.com.au

    Pauline

    2 June 2022
    Hi Aarti, I checked however I don’t see NAB publishes their income requirements. It only states that you need to have a regular income, at least 18 yeas old, and an AU resident or AU citizen with an acceptable temporary residency visa. Aside from these, they also have their own internal criteria set that they don’t publish. You can reach out to NAB directly at 13 22 65 for more information.
Amit

Amit

16 May 2022
how/where to apply
    Pauline - CreditCard.com.au

    Pauline

    18 May 2022
    Hi Amit, we don’t have an active partnership on the NAB Qantas Rewards Signature card at the moment, so you’ll have to go direct to the NAB site. If you’re keen on earning Qantas Points, you can use our Qantas Frequent Flyer credit cards comparison tool to see other options.
sarah

sarah

12 May 2022
is there a charge for any additional cardholders with this card?
    Pauline - CreditCard.com.au

    Pauline

    13 May 2022
    Hi Sarah, I checked the terms and see that you can have an additional cardholder at no cost. Please note though that they should be at least 16 years old and that all transactions made on the additional card will be your responsibility as the primary cardholder.
michial murray

michial murray

9 May 2022
can i pay bills for business transactions on this card and then pay the debit on this card with a nab debit card
    Pauline - CreditCard.com.au

    Pauline

    11 May 2022
    Hi Michial, you could technically do this. However, using a business credit card for your business could make it easier come tax time. Business Credit Cards have extra features such as integrations with MYOB and other accounting software.
John

John

2 May 2022
I am an ex staff member who holds a NAB everyday visa card. I also have a self managed super fund and draw $8,000.00 per month between myself and my wife. Am I eligible to apply for the NAB Quantas Rewards Signature Credit Card?
    Pauline - CreditCard.com.au

    Pauline

    3 May 2022
    Hi John, this offer is open to members who apply for a new NAB Qantas Rewards Signature Card. If you’ve previously held a NAB rewards earning card in the previous 12 months you will be ineligible for the bonus points. All other eligibility criteria(income verification, good credit file, serviceability etc) that are tied to credit card applications will also apply.
Peter

Peter

19 February 2022
I have just retired and am on a superannuation income stream. Is there a minimum annual income in the eligibility criteria?
    Pauline - CreditCard.com.au

    Pauline

    22 February 2022
    Hi Peter, unfortunately NAB doesn’t publish their minimum income requirements for this card. This is a premium card so the minimum income may be higher. You’ll need to provide bank statements and income details when applying for the card. So, keep this in mind when comparing credit cards.
Fernanda

Fernanda

19 January 2022
Hi I would like to know if student visa holders are allowed to apply for NAB qantas rewards signature card?
    Pauline - CreditCard.com.au

    Pauline

    20 January 2022
    Hi there Fernanda, The NAB Qantas Rewards Signature card requires you to be a resident or citizen of Australia with temporary residents also eligible. You could check out the ANZ First Credit Card that is available to non-permanent residents with more than 9 months remaining on your Visa. Hope this has helped you out.
Kalum Campbell

Kalum Campbell

11 January 2022
It says minimal credit u
    Pauline - CreditCard.com.au

    Pauline

    12 January 2022
    Hi Kalum, the minimum credit limit on this card is set at $15,00. Hope this has helped.
Jeff

Jeff

29 December 2021
Will I earn points if I paid merchants classified as 'government'?
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi Jeff, you can use your NAB credit card to pay for government-related fees but you won’t earn points for it. However, there are other cards like American Express that have a points earning feature at government entities, albeit at a lower rate. We have a handy comparison tool you can use to see how many points you might earn, and check out a range of credit cards that earn rewards on ATO payments.
Salvatore Camuglia

Salvatore Camuglia

18 November 2021
is the capped points for a month or for the year?
    Pauline - CreditCard.com.au

    Pauline

    19 November 2021
    Hi Salvatore, according to the NAB Qantas Rewards Signature’s T&Cs, it says that points are capped at $20,000 spend per statement period.
blake simpkins

blake simpkins

20 July 2021
Just wondering whether I can use to this credit card to pay for bills and rent and other things off this card online and it will count toward gaining the bonus points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 July 2021
    Hi Blake, thanks for your question! There are different ways of maximising your reward points like making payments for bills and rents via BPAY. To learn how to get your points, you can follow this article to guide you on how to set up your card with BPAY. Good luck points hunting!
Brett

Brett

27 April 2021
Hi Roland. Government charges appear to be ineligible expenditure. Does this include electricity, water, vehicle licences and house rates - even if the organisation is a stand alone company (eg Synergy in WA). cheers Brett
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 April 2021
    Hi Brett, Thanks for the question. According to the NAB website, eligible transactions do not include "...bills paid over the counter at a bank, financial institution or post office..." If you need further clarification you could give NAB a call on 13 13 12. Thanks again.
Peter Leonard

Peter Leonard

16 January 2021
Can there be a second card holder and who gets the points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 January 2021
    Hi Peter, the primary card holder gets all points on the account. Though if a family member, you can then transfer points to the secondary cardholder through your Qantas account.
Phillip

Phillip

27 December 2020
NAB Qantas Rewards Signature Credit Card does the 100,000 bonus points get awarded straight after the min spend has been met after the 3 months or does the 100,000 bonus points get awarded in the 13th month along with the extra 30,000 points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 December 2020
    Hi Phillip, 100,000 bonus points will be credited to your points balance within 3 months of meeting the spend criteria and an extra 30,000 bonus points after 12 months (credited to your points balance within the 13th month).
Matthew

Matthew

12 November 2020
HI We have a credit card with ME bank, earn nothing from it, no annual fee. Looking for me and my wife, like to earn points as im from the UK, what would be the best card, spend about 2k a month on or current cc.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2020
    Hi Matthew, 2k a month doesn't put in the higher spend category that would justify the annual fees of the premium cards. Though the bonus points on offer would certainly make it worth the application. Then if the card doesn't suit your needs. I would suggest you cancel it before the 2nd year annual fee comes in. That said, if you earn over 75k a year. Then the ANZ Frequent Flyer Black offer delivers ($200 cash back plus 120k Bonus points). Second off the rank, and Qantas Premier Platinum Credit Card.For a longer term card that matches your spend. I like the Qantas Premier Everyday. $49 annual fee, decent earn rate and some good other features.

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