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up to 80k 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months
Qantas Premier Platinum Credit Card
Qantas Premier Platinum Credit Card

Qantas Frequent Flyer Credit Cards

Qantas Premier Platinum Credit Card

Updated 1 March 2024

An all-rounder that rewards you with points, perks and savings, the Qantas Premier 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. 🛍

First, you can earn up to 80k 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 0% p.a. balance transfer feature for 12 months, and a $50 discount on your annual fee 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 80k pts

60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months

Pros and cons

  • Special offer: Earn 60k when you spend $3k or more on eligible purchases within 3 months of card approval, and another 20k if you haven’t earned Qantas Points with a credit card in the last 12 months. Offer ends 01 May 2024.*
  • Discounts: $50 off the first year's annual fee plus 20% off domestic flights (for you and 8 buddies) when you book through the card’s concierge service.
  • 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: 12 months interest-free on your balance transfer.
  • Extras: 6 months interest-free on your first purchase of selected items from the Qantas Store. Sync your card with Apple Pay and Google Pay.
  • *Please note: terms and conditions apply

  • Additional cardholder fee $50 per year
  • Points earning is reduced once you've spent $10,000 in a statement period review

Editor Review

Qantas Premier Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

Who suits the Qantas Premier Platinum card?

Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun. Healthy Spender: your cashflow is high but healthy and you want to earn high-volume points. Discounts and extras are a bonus. Money Geek: you watch your accounts, and like budgeting and hitting money goals. You want good bang for your bucks.

Editor's Review: What I love about the Qantas Premier Platinum card

Cards that earn Qantas points are famously popular, and the Qantas Premier 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.

This card also has a lower interest rate than I’d expect for a premium rewards card, sitting at less than 20% p.a. (most are up near 24% these days). Of course, being a rewards card you’ll get the best value if you avoid paying altogether by paying off your balance each month.

Let's start with the big promotional features and how to use them. The promotional features are for new Qantas Premier Platinum customers, meaning you can have held other Qantas credit cards before, just not this one.

80,000 bonus points. You can earn up to 80k bonus Qantas points by meeting certain criteria. You’ll earn 60,000 points if you spend $3,000 or more on eligible purchases within 3 months of approval. Then, you can earn an extra 20,000 if you haven’t earned Qantas Points with a credit card in the last 12 months. This offer expires 01 May 2024.

$50 annual fee discount. For the first year, you’ll pay a $349 annual fee instead of $399.

0% p.a. balance transfer for 12 months. This is a surprising extra for a rewards card, especially for such a long period. You can transfer up to 80% of your credit limit with no balance transfer fee (another surprisingly generous gesture). The interest-free period applies to balance transfers you make within 90 days of being approved, and your 12 months start when the transfer is processed.

💡 You can balance transfer from other cards backed by NAB, including Citi, Bank of Queensland, Coles and Virgin Money (just not Qantas Money cards). You can also transfer from some personal loans and Buy Now Pay Later services. The financial institution must have a BPAY number.

How many Qantas Points can you earn?

The Qantas Premier 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 & Travel
110,400 Qantas points =
return flight to London
96,890 Qantas points =
Apple watch SE
Gift cards
24,380 Qantas points =
$100 Bunnings gift card
Points are correct as at 10 November 2023. 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.

You can also use points (or Points Plus Pay, where you can pay a portion in cash) at the Qantas Marketplace, which has big discounts and earns bonus points on 900+ brands.

💡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.

How can the Qantas Premier Platinum card make travel cheaper?

Most of the extras with this card revolve around travel and making life cheaper and easier:

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. It adds a little sparkle to a long trip. Up to $140
International and domestic travel insurance This travel insurance activates when you buy return flights or cruise tickets using the card and could save you money on insurance if you read the terms and feel satisfied that you’ll be covered for your trip and you meet eligibility criteria. This insurance is extensive and includes factors many don’t, including sheduled 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 Every year you’ll be able to use flight discounts: 10% off Red eDeal, 15% off Flex Economy, and 20% off Business flights. You have to book through the card’s concierge service and you must all be traveling together. Dependent on flight costs
Concierge services Concierges are third-party companies that you can use to manage tasks. You might want a hand booking travel, entertainment such as booking tickets or making reservations, or sourcing any information you need, like pet services, health clubs, etc. Concierges can even source hard-to-find items and arrange gift purchases and delivery. You'll save time (priceless, right?), but they will do the hard work of finding better deals and sticking to a set budget.

What's not so great

First, it’s a slight bummer that Qantas Money isn’t compatible with Samsung Pay. Qantas only just released a Google Pay option recently, so I’m sure it’s in the pipeline if that’s any consolation to Samsung owners.

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. You’ll need to work out if any other cardholders are going to bring in more value through points than the $50 fee.

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. That’s a sad-face emoji.

Speaking of interest: as is standard on credit cards, you won’t get the 55 days interest-free while you have a balance transfer, so you’ll pay interest on the purchases you make to unlock the bonus points. However, the Qantas Premier Platinum gives you 3 months to request a balance transfer, so if you do your homework and don’t stretch your wallet, you might be able to reach the spending criteria, get the bonus points and then request the balance transfer - as long as it's all within the 3 months.

Overall Rating

The Qantas Premier Platinum is a high-tier card with benefits for travellers that are on par with other premium cards, and some even better. The annual fee isn’t as high as others in the Qantas Points space, and you get a discount the first year.

I had to call Qantas to confirm a couple of things about the balance transfer (because I couldn’t believe it didn’t have a fee) and got through to a helpful customer service rep within minutes. That kind of “not-on-hold-for-an-hour” service isn’t something I encounter a lot, so it gets a tick from me.

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. It works best if you keep it paid off, so you get all the rewards for minimal card costs.

User reviews

Qantas Premier Platinum Credit Card ( based on 32 user reviews )

52% rating based on 32 reviews

Customer Service


23 September 2022

They 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 card

Mike Flyer

11 February 2021

For 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 card


19 November 2020

I 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 card


5 March 2020

Best FF rewards card by far.

Recommends this card

Chao Ma

21 December 2019

I was a card holder of Qantas Titanium Premier card and would suggest you NOT choose this card at all! It's with bad services when you wanted to add additional card holder and with $1200 annual fee you couldn't get the benefit meets their service fee. Just don't choose this card and they'll make a change.

Does not recommend this card


27 March 2019

For 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

Rates and fees

Interest rates

Purchase rate 19.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 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 No fee

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 $30, whichever is greater

Annual fee the first year $349

Cash advance fee 3% or $3, whichever is greater ; $5 (international)

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points up to 80k points

Annual points cap uncapped

Bonus points spend criteria 60,000 when you spend $3,000 within the first 3 months, plus 20,000 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


2 complimentary Qantas Club lounge invitations per year

Discounted companion fares on domestic flights

Six months interest free on first purchase of Qantas products

Qantas Premier Concierge service


Qantas Premier Platinum Credit Card

Qantas Premier Platinum credit card is issued by NAB for Qantas Money. It gives you great travel benefits and for a limited time receive up to 80,000 bonus Qantas Points – 60,000 when you apply by 01 May 2024 and spend $3,000 or more on eligible purchases within 3 months from card approval, plus an additional 20,000 if you haven’t earned Qantas Points with a credit card in the last 12 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 6 months interest-free on your first purchase of selected Qantas products and services, including Qantas flights, Qantas Gift Vouchers, Qantas Store, and Qantas Wine. 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 80,000 bonus Qantas Points - 60,000 when you apply by 01 May 2024, and spend $3,000 or more on eligible purchases within 3 months from card approval, plus an additional 20,000 if you haven’t earned Qantas Points with a credit card in the last 12 months
  • Reduced annual fee of $349 for the first year ($50 discount), $399 thereafter
  • 0% p.a. on balance transfers for 12 months. Reverts to cash advance rate
  • Uncapped points potential at home or overseas
  • Complimentary travel insurance covers
  • Complimentary lounge invitations
  • Compatible with Apple Pay and Google Pay
  • Dedicated Qantas Premier Concierge service
  • Discounted companion fares

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

  • 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, 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.

291 questions (showing the latest 10 Q&As)

Debby Carter

Debby Carter

31 January 2024
Hello I have already sent in an application and have not heard anything so am wondering if it has been processed please. My name is Debby Carter FF number XXXXXXX
    Pauline -


    1 February 2024
    Hi Debby, you’ve landed on Australia’s top credit card comparison site, I suggest calling Qantas Money directly at 1300 992 700 to check the status of your application.


16 January 2024
Hi Pauline, When is the annual card fee payable? Thank you
    Pauline -


    25 January 2024
    Hi Kevin, the annual fee is typically charged on your first month's bill and will recur around the same month each year.


6 January 2024
Can i save the card to my phone ? If its a plastic card how long before card arrives
    Pauline -


    9 January 2024
    Hi Barry, usually you should receive the physical card in 7-10 days. But you can definitely link your card to your Apple Pay or Google Pay.


31 December 2023
Does this card work w google pay ? and can i add to my apple wallet?
    Pauline -


    4 January 2024
    Hi Jackie, good question! Yes, the Qantas Premier Platinum card works with both Google Pay and Apple Pay.
Denise Tonc

Denise Tonc

19 December 2023
Do you charge annual fees and reward program fees
    Pauline -


    20 December 2023
    Hi Denise, you’ve actually reached, Australia’s leading credit card comparison site. I checked this for you though and the Qantas Premier Platinum card already includes the Qantas rewards program. You’ll however be charged the card’s annual fee of $349 in the first year, then $399 thereafter. Hope this helps!


12 December 2023
Hi, does it matter what I purchase to earn rewards points. looking at a card to maximise spending rewards
    Pauline -


    18 December 2023
    Hi Chris! You'll earn points on everyday transactions like groceries coffees and petrol. The Qantas terms say "any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi branded accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions." You can see the full terms in the Qantas PDS. Thanks Chris!
Shane Walker

Shane Walker

12 November 2023
What are eligible purchases?
    Pauline -


    15 November 2023
    Hi Shane, eligible purchases are your daily transactions like paying for your meal at your favourite cafe, your car’s petrol, your pet’s vet, and the like. This does not include cash advances, balance transfers, chargebacks, fees, etc. Unfortunately, no provider publishes a definite list that consumers can reference.


11 November 2023
Can you tell me to be eligible for the travel insurance do you have to pay for the flight on the premier Platinum Credit Card or can I use payment + qantas points to buy flights.
    Pauline -


    15 November 2023
    Hi Sue, to be eligible for the travel insurance provided with the Qantas Premier Platinum card, you need to meet certain criteria. This includes being an Australian resident, spending at least $500 on accommodation or the full amount of a return flight ticket using your Qantas Premier card for a domestic trip, or paying for the full amount of the return flight ticket for an overseas trip with your Qantas Premier card. Additionally, the coverage is applicable if you're no more than 79 years old. For detailed information about eligibility, general exclusions, and coverage, I recommend checking the official Qantas Premier card complimentary travel insurance PDS.


2 November 2023
I want to apply for the Qantas Premier Platinum Card so that I can go travelling next year, however I have a couple of questions! 1. What are the 'eligible purchases'? Is this daily things like supermarket, petrol, bars, clothes etc.? 2. For the extra 20K Qantas Points if you haven't earned Qantas points with a credit card in the last 12 months - I don't believe I have done this, but is there a way to check? 3. How long do Qantas points last? 4. Do Qantas points work for multiple airlines? Thank you! :)
    Pauline -


    15 November 2023
    Hi Ava, great questions! Please see below for my answers to your questions. - While Qantas Money, or any other card issuer, doesn’t publish a specific list of eligible transactions, you’re correct that these typically include day to day expenses like groceries, petrol, shopping, and drinks at your favourite bars. However, transactions such as cash advances, balance transfers, and chargebacks are usually not considered eligible. -To check whether you've earned Qantas Points with a credit card in the last 12 months, you can review your points accrual on your Qantas Frequent Flyer membership or contact Qantas directly. - As long as you either earn or use your Qantas Points at least once every 18 months, they will not expire. - Yes, you can use your Qantas Points for airlines within the oneworld Alliance, which includes carriers like British Airways, Cathay Pacific, American Airlines, and Malaysia Airlines. Hope this helps!


21 September 2023
Hi Pauline, Can this card be used as a business expense card? are there limits etc on spending ?
    Pauline -


    25 September 2023
    Hi Daniel, using personal credit cards for business is technically ok, but your accountant may not appreciate it. Business credit cards come with a whole suite of add-ons that are optimised for business. They can plug-in to accounting software too that can make sorting out your BAS less frustrating. If you’d like to compare business cards that still earn Qantas Points, there’s options available too. Thanks Daniel!
Victor Rogers

Victor Rogers

18 September 2023
My card expires. This month. When will I receive a replacement.
    Pauline -


    19 September 2023
    Hi Victor, usually the replacement card is sent out a few weeks before the card expires. I strongly suggest checking this with Qantas directly at 1300 992 700.

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