- Special offer: Earn 60k when you spend $5k or more on eligible purchases within 3 months of card approval, and another 40k if you haven’t earned Qantas Points with a credit card in the last 24 months.
- Discounts: $50 off the first year's annual fee plus 20% off domestic flights (for you and 8 buddies) when you book through the booking portal on your Qantas Money account.
- Travel perks: Complimentary travel insurance, 2 lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges.
- Earning points: Per whole $1 spent on eligible purchases, you can earn 1.5 Qantas Points when you buy overseas and 1 point on domestic purchases up to $10,000 in a statement period (then 0.5 points thereafter). You can also earn 1 bonus Qantas Point per whole $1 on selected Qantas products and services.
- Balance transfer: 0% p.a. on balance transfers for 12 months with a 3% balance transfer fee (reverts to cash advance rate after 12 months).
- Extras: Sync your card with Apple Pay and Google Pay.
- *Please note: terms and conditions apply
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Qantas Frequent Flyer Credit Cards
Qantas Money Platinum Card
Updated 10 September 2025
An all-rounder that rewards you with points, perks and savings, the Qantas Money Platinum earns unlimited Qantas Points (up to 1.5 points per $1 spent, plus a bonus point on eligible Qantas products) and has top-class extras that make travel cheaper and more fun. 🛍
You can earn up to 100k bonus points in the first year (criteria below), 2 annual lounge passes, travel insurance and up to 20% off domestic flights for you and 8 buddies. It has a $50 discount on your annual fee in the first year.
Terms and conditions apply.
Points Earn Rate (per $1 spent)
1 point
Capped at $10,000 per statement, then 0.5 pts per $1
Rewards Program
Qantas Frequent Flyer
Bonus Points
Up to 100K pts
60,000 when you spend $5k or more on eligible purchases within 3 months of card approval+ 40,000 when you haven’t earned Qantas Points with a credit card in the last 12 months
Pros and cons
- Additional cardholder fee $50 per year
- Points earning is reduced once you've spent $10,000 in a statement period
Creditcard.com.au review
Editor Review
Qantas Money Platinum 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.
Who suits the Qantas Money Platinum card?
Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun.
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Healthy Spender: your cashflow is high but healthy and you want to earn high-volume points. Discounts and extras are a bonus.
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Money Geek: you watch your accounts, and like budgeting and hitting money goals. You want good bang for your bucks.
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Editor's Review: What I love about the Qantas Money Platinum card
Cards that earn Qantas points are famously popular, and the Qantas Money Platinum is right up there in lights. It’s a travellers card, designed to reward you for spending overseas and buying Qantas products, and gives you a stack of travel perks, points and retail discounts.
100,000 bonus points. You can earn up to 100k bonus Qantas points by meeting certain criteria. You’ll earn 60,000 points if you spend $5,000 or more on eligible purchases within 3 months of approval. This offer is only available if you haven't held a Qantas Money Platinum card in the last 12 months. You can earn an extra 40,000 if you haven’t earned Qantas Points with any brand of credit card in the last 24 months.
$50 annual fee discount. For the first year, you’ll pay a $349 annual fee instead of $399.
0% balance transfer. You’ll get 0% p.a. for 12 months on balance transfers with a 3% BT fee (reverts to cash advance rate after 12 months).
How many Qantas Points can you earn?
The Qantas Money Platinum earns unlimited points (per whole AUD$1), but it does have a tiered points structure that looks like this:
- International spending: 1.5 points uncapped
- Domestic spending: 1 point uncapped up until you've spent $10,000 in a statement period, then 0.5 points thereafter
- Bonus points on selected Qantas products and services: Bonus 1 point, uncapped
What can you get with Qantas Points?
Flights & Travel110,400 Qantas points = return flight to London (ex. taxes) |
Shopping79,800 Qantas points = Apple watch SE GPS |
Gift cards23,330 Qantas points = $100 Bunnings gift card |
How can the Qantas Money Platinum card make travel cheaper?
| Feature | How it saves money | Potential savings |
|---|---|---|
| 2 complimentary lounge invitations each year | You’ll get 2 single-entry invitations per year to a Qantas Club or Qantas-operated International Business Lounge with complimentary food, drinks, and WiFi. | Up to $140 |
| International and domestic travel insurance | This travel insurance activates when you buy return flights or cruise tickets using the card and includes cruise cover and overseas rental vehicle excess cover. | $50-$1,000+ depending on frequency of travel, age, and destination |
| Up to 20% off domestic flights for you and 8 buddies | 10% off Red eDeal, 15% off Flex Economy, and 20% off Business flights when booked through your Qantas Money account. | Dependent on flight costs |
| Concierge services | Concierge can help with travel bookings, entertainment, dining reservations, gift sourcing and more. | Saves time and can secure better deals |
What's not so great
First, it’s a slight bummer that Qantas Money Platinum card isn’t compatible with Samsung Pay. However, Qantas is compatible with Apple Pay and Google Pay.
Adding extra cardholders to a rewards card is a smart way to bump up your points quickly, but it’ll cost $50 per cardholder per year.
Also, remember you’ll need to spend the minimum amount to get the bonus points, without stretching yourself to do so. If you can’t make the monthly repayments and you start paying interest, you’re chipping into the value of your points.
Overall Rating
The Qantas Money Platinum is a high-tier card with benefits for travelers that are on par with other premium cards, and some are even better. The annual fee isn’t as high as others in the Qantas Points space, and you get a discount the first year.
All told, this card is worth looking at if you want to earn uncapped Qantas Points at one of the highest rates per dollar, get other travel discounts and perks, and use domestic and international travel insurance, which includes some rental vehicle excess cover.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% 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 21.99% p.a.
Balance transfer from personal loan Yes
Balance transfer fee 3% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Qantas Money
Credit limits
Minimum credit limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $399 p.a.
Additional cardholder fee $50
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Annual fee the first year $349
Cash advance fee 3% or $3 (domestic); $5 (international)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points Up to 100K points
Annual points cap uncapped
Bonus points spend criteria 60,000 when you spend $5k or more on eligible purchases within 3 months of card approval+ 40,000 when you haven’t earned Qantas Points with a credit card in the last 12 months
Earning points with this card
Qantas Rewards points 1 point per $1 spent
Points cap per month Capped at $10,000 per statement, then 0.5 pts per $1
Overseas earn rate 1.5 points per $1 spent
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 1 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Chubb Insurance Australia Limited
Discounted companion fares on domestic flights
Qantas Money Credit Card Concierge service
Overview
Qantas Money Platinum Card
Qantas Money Platinum Card is issued by NAB for Qantas Money. It gives you great travel benefits and for a limited time receive up to 100,000 bonus Qantas Points – 60,000 when you apply and spend $5,000 or more on eligible purchases within 3 months from card approval, plus an additional 40,000 if you haven’t earned Qantas Points with a credit card in the last 24 months. Relax with 2 single-entry lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, complete with complimentary food, beverages, and Wi-Fi. Travel with friends and family once a year and save up to 20% on selected domestic flights for you and up to 8 companions, booked directly through your dedicated concierge using your card. Enjoy complimentary travel insurance for travel booked using your card.
There’s no cap on the number of Qantas Points you can earn every day – at home or overseas.
Key features
- Earn up to 100,000 bonus Qantas Points - 60,000 when you apply and spend $5,000 or more on eligible purchases within 3 months from card approval, plus an additional 40,000 if you haven’t earned Qantas Points with a credit card in the last 24 months
- Reduced annual fee of $349 for the first year ($50 discount), $399 thereafter
- 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies; reverts to cash advance rate after 12 months)
- Uncapped points potential at home or overseas
- Complimentary travel insurance covers
- Complimentary lounge invitations
- Compatible with Apple Pay and Google Pay
- Dedicated Qantas Money Credit Card Concierge service
- Discounted companion fares
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Resident or citizen of Australia
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Minimum income of $35,000 p.a.
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
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question337 questions (showing the latest 10 Q&As)
Hi Pauline, just a couple of questions. Is there a minimum statement period purchase to earn points or is it just $1-10k before going to 0.5 points? And when it says transaction period is that monthly or 44 days like the interest free period?
thanks
Hi Nathan, thanks for your thoughtful questions! If you’d like a quick overview of how Qantas-earning cards work, our Qantas Frequent Flyer credit card guide is a handy place to start.
For the Qantas Money Platinum card itself, the current earn rates are:
1.5 Qantas Points per $1 on eligible overseas purchases
1 Point per $1 on eligible domestic spend, up to $10,000 each statement period (then 0.5 Points per $1 after that)
Plus 1 bonus Point per $1 on selected Qantas products and services
There’s no minimum spend over a statement period. Points are earned on eligible purchases as soon as they’re processed, within those tiers. The “transaction period” mentioned in the PDS refers to your monthly statement cycle, not the 44-day interest-free period. Hope this has helped!
Can I convert from Qantas premium card to titanium
Hi Groden, whether you can switch from the Qantas Premier Platinum to the Titanium version will come down to Qantas Money’s own policies. It might need to be a whole new appliation for credit. I’d suggest reaching out to Qantas Money directly to confirm your options.
I have paid for a o/sea holiday on my Qantas credit card for Uk, Lapland, Spain and Singapore. Traveling dates 15 Dec 2025 to 29 January 2026. Am I covered for travel insurance for this period in full
Hi Lyndall,
Thanks for your message. The Qantas Premier Credit Card does offer complimentary international travel insurance, but there are a few conditions you’ll need to meet.
To be covered, you must:
-Be a permanent Australian resident under 80 years of age
-Have paid for at least $500 of your travel costs (flights or accommodation) using your Qantas Premier card before leaving Australia
-Hold a return travel ticket
Based on your travel period and destinations, and assuming you’ve met those conditions, your cover should extend across the entire trip. For full details, refer to the Qantas Premier Insurance Terms and Conditions.
We also have a guide for credit cards with complimentary insurance that you might find useful.
Safe travels!
What does it mean with eligible purchases? If I purchase a plane ticket from air Canada for 4,000 aud, it's not a Qantas member airline. Will it still be eligible spend?
Hi Emma, great question! “Eligible purchases” generally include most everyday transactions, such as retail purchases and flights. So yes, buying an Air Canada ticket should typically count towards your spend requirement, even though it’s not a Qantas partner airline, as long as the transaction is processed normally and not excluded (e.g. cash advances or BPAY).
For full details, it’s best to check the T&Cs of the card or visit our guide to textQantas Frequent Flyer credit cards.
What are the eligible products to earn points for? It keeps referencing "eligible" but I can't find the criteria/list
Hi Lauren, sadly providers generally don’t provide a list of “eligible purchases”. They usually cover things like retail and everyday purchases. On the plus side they mention what isn't considered eligible, such as cash advances, balance transfers, gambling, etc. Check the fine print for more information, but other than those, you should be good to go. All the best!
In the last 2 weeks I have purchased flights to Bali. I haven't applied for this credit card as yet but wonder if there is any way that I can access the complimentary travel insurance if approved.
Hi Kim, unfortunately not. The travel insurance is only activated if you pay for the tickets of everyone you want covered, with your Qantas Premier card. You’ll probably need to look for a standalone policy if you want to be insured.
What is classed as an eligible purchase?
Hi Jake, sadly providers generally don’t provide a list of “eligible purchases”. They usually cover things like retail and everyday purchases. On the plus side they mention what isn't considered eligible, such as cash advances, balance transfers, gambling, etc. Check the fine print for more information, but other than those, you're good to go. Good luck
How can I find out what products or services I can receive points from?
Hi Enzo, the Qantas Premier Platinum Card doesn't have a specific list of “eligible purchases”. However, thankfully they do provide a list of non-eligible purchases, which include annual fees, cash advances, interest, fees and any charges for traveller's cheques and foreign currencies. On the plus side you’ll be able to earn 1 bonus Qantas Point per whole $1 on other selected Qantas products and services. Thanks Enzo!
Hello, which credit card offers Qantas points & Priority Pass membership please?
Hi Dharmesh, currently there's no cards that earn direct Qantas Points that have Priority Pass membership. The American Express Platinum Charge Card earns Amex Membership rewards that can then be converted to Qantas Points and gives you access to 1,400+ airport lounges around the world. You'll get 2 x Priority Pass lounge visits per year with the Westpac Altitude Black Credit Card, the Westpac Altitude Platinum Credit Card and the St.George Amplify Signature Credit Card, but no Qantas Points earning or redeeming options. The alternative is the LoungeKey program, and you find the CommBank Ultimate Awards Credit Card will let you earn Qantas Points.
Can you tell me if this card covers with its travel insurance domestic flights and do I need to let anyone know I am leaving? Please send me a policy so I can look over
Hi Maria, this card comes with travel insurance that activates when you buy return flights on the card. You can find the latest T&Cs here. Enjoy your trip!
can i get a card from any bank
Hi Eddie, getting a credit card is dependent on many factors. If this is your first card, it might be worthwhile reading my guide to credit cards for first timers. I go through all of the basics and steps that you’ll need to complete. Hope that helps and let us know how you go. Thanks Eddie!
Will I get points for balance transfer?
Hi Amanda, unfortunately, balance transfers are listed as non-eligible purchases, meaning you won’t earn rewards points on any amount you transfer from another credit card. Eligible purchases that typically earn points include everyday transactions such as groceries, dining, fuel, and retail shopping. However, non-eligible transactions—like balance transfers, cash advances, BPAY payments, and government charges—do not qualify for points. As this card is at essence a Qantas Points card, if you're looking to maximise your rewards, it would be a better idea to use your card for eligible purchases only.
Hi Pauline,
I have the Qantas Premier Platinum CC, recently as a new owner of this card I've, earned 100.000 Qantas points within the 1st 3 Months of owning the card I think, but please correct me?? if I've never earned Qantas points before, do I receive another 50,000 points if I keep the CC over the 12-month period.
Q2. The card offers Travel and car insurance does this work for travelling to the United Kingdom?? and how do I look to see what and where it covers.
Thankyou
Kind Regard s
William B.
Hi Bill, this card will give you 50,000 points after 3 months when you meet the spend criteria, and then 30k after 12 months. If you have 100k that you can’t account for, it might be worth calling Qantas Frequent Flyer directly to check. You can also login to your Qantas account to see accrual too. You’ll be covered for your trip to the UK as long as you meet the eligibility criteria, which includes spending at least $500 on flights on the card. You can see all the eligibility requirements on page 8 of the Travel Insurance PDS. Safe travels!
I am looking to apply for my first ever credit card on my own. I currently have a joint one with my husband, but need one for myself as I will be travelling alone in 2025.
I am looking for a card that will earn me the most points and am considering the Qantas card however, I have a question: what do you mean by Balance Transfer fee?
I will be transferring the money owed on the credit card monthly from my personal account. Will I be charged extra for this?
Thanks for your guidance in advance.
Hi Suzan, I’m glad to hear you're getting your first credit card and it’s great you’re asking questions first! A balance transfer allows you to move a balance from an existing credit or store card to another card with a different issuer. The Qantas Premier Platinum currently has a 0% p.a. for 12 months offer on balance transfers, but you’ll also pay a one-off 2% fee. So if you transferred $1000 you’d pay a $20 fee. You can check this article I’ve written for more information about balance transfers or if you have any other questions feel free to leave another comment. Thanks!
I have a Qantas Premier Platinum Credit Card used for personnel used.
I like to apply the same card for business used only. Will I get approve for the bonus Qantas points?
Hi Paul, if you already have the same card in your name (whether for personal or business use) and are earning points, you won’t be eligible for any of the bonus points. Here’s how it works: if you’ve held any card that isn’t a Qantas Premier card (for example Westpac or NAB), even if it earns Qantas Points, you’ll earn the 70k sign-up bonus points. But if you’ve held any card that has earned Qantas Points in the last year, you won’t earn the 30k points. I know it’s a little confusing, so I hope that helps. Thanks!
To get the 70000 points you have to spend 3k in first 3mths
What is considered eligible purchases
Hi John, providers sadly don’t provide a list of “eligible purchases” On the plus side they mention what isn't considered eligible, such as cash advances, balance transfers, gambling, etc. Other than those, you're good to go.
Currently have ANZ platinum linked to Qantas points. I travel to Europe twice a year flying economy. Is there a CC that would give me lounge access.
Hi Gregory, you may want to check out our comparison of credit cards with lounge access, or compare some of the frequent flyer cards that offer lounge access too. There are plenty of options with lounge access listed on that page. Thanks!
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Steve
31 March 2025I love the earn rate on this card, plus the extra points you get when booking with Qantas. Happy it now has Google Pay too
Recommends this cardtan
23 September 2022They offer a concierge service to book flights. Try it I dare you, try and get through to anyone who knows anything about this service. Will definitely be getting rid of this one.
Does not recommend this cardMike Flyer
11 February 2021For rewards this is one of the best cards, and at time time I signed up, the only card that can get you Qantas Status Credits. What's been disappointing is the lack of Google Pay. This is really hard to find in this info online, they really hide the fact they don't have it. So after months of being wallet free I now have to carry it around then thanks to this card. The card quality for a "Premier Platinum Card" it feels kind of cheap, the printing is really low quality and blurry. The app is very painful to use. I tried to activate via the app - impossible due to the app being made cheaply. Customer service is only via phone. These days I much prefer chat so I can do other things while waiting for the agent to reply. There's no email either. So I'll hang around to get my 75 status credits and bonus points, but then cancel and go back to a card with Google Pay and a decent support network.
Recommends this cardRob
19 November 2020I had a disputed transaction and the communication has been unacceptable. The call centres can't answer questions and in fact gave wrong information. They never called me - I have only ever called them. They send letters that are factually incorrect. I have lodged written complaint.
Does not recommend this cardKatrina
5 March 2020Best FF rewards card by far.
Recommends this cardAnnet
27 March 2019For the first 12 months with this card, everything went smoothly. Unfortunately I then experienced a fraud situation (picked up quickly and replacement card sent within 2 days) so I felt confident. Sadly, that is the end of the good news. Woeful customer service, think the new card is not linked to my account, could not activate card, cannot get access to transaction data, or change pin. Call centre appears to be overseas and I question staff training. and ownership of problems. After a month of calls, still no resolution and I am sick of it. ,Terrible service for a $299 annual fee
Does not recommend this card