- Special offer: Earn 60k when you spend $5k or more on eligible purchases within 90 days of card approval, and another 40k if you haven’t earned Qantas Points with another Qantas Points earning credit card in the last 24 months.
- Discounts: $50 off the first year's annual fee plus 20% off domestic Qantas flights (for you and 8 buddies) once per anniversary year 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
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Qantas Frequent Flyer Credit Cards
Qantas Money Platinum Card
Updated 24 October 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 Qantas flights for you and 8 buddies. Plus, 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 90 days of card approval+ 40,000 when you haven’t earned Qantas Points with a credit card in the last 24 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 90 days of approval. You can earn an extra 40,000 if you haven’t earned Qantas Points with another Qantas Points earning 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 Qantas flights for you and 8 buddies, once per anniversary year | 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 90 days of card approval+ 40,000 when you haven’t earned Qantas Points with a credit card in the last 24 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 Qantas 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 90 days from card approval, plus an additional 40,000 if you haven’t earned Qantas Points with another Qantas Points earning 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 Qantas flights for you and up to 8 companions, once per anniversary year, 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 90 days from card approval, plus an additional 40,000 if you haven’t earned Qantas Points with another Qantas Points earning 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 question341 questions (showing the latest 10 Q&As)
I had a ANZ Frequent Flyer Black card with a credit limit of $15,000.00 for a long time well over 10 years. In the last statement period, I had purchases to the value of $6,717 and I was awarded only 2858 frequent flyer points therefore I would like to transfer my card to you. Would it be possible
Hi Trevor, thanks for your message. Just to clarify you're on CreditCard.com.au and not the official Qantas site. If you’re looking to switch to a new card, that would involve applying for a separate account directly with the issuer. Each lender has its own application process and eligibility criteria, so you’d need to check the Qantas Money requirements to see if you’re eligible.
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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