- Earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus Qantas Points
- 0% p.a. on balance transfers for 12 months. No balance transfer fee. Reverts to cash advance rate
- $49 annual card fee. Supplementary cards at $25 per year
- Earn 1 Qantas Point per $1 equivalent on eligible International Spend
- Earn 0.75 Qantas Points per $1 on eligible Domestic Spend (up to and including $3,000 per statement period). Earn 0.4 Qantas Points per $1 (over AU$3,000 per statement period)
- Earn 1 Additional Qantas Point per $1 spent on Qantas products and services
- Enjoy complimentary travel insurance such as overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance (no excess fee) and Global Hire Car Excess Waiver
- Qantas Premier Statement Instalment Plans
- Compatible with Apple Pay and Google Pay
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Qantas Frequent Flyer Credit Cards
Qantas Premier Everyday Credit Card
Updated 10 November 2023
Earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases in the first 4 months from card approval, up to a total of 8,000 bonus Qantas Points when you apply by 10 April 2024. Plus, enjoy 0% p.a. on balance transfers for 12 months, no BT fee. Low annual fee. Complimentary international travel insurance. New cards only.
Points Earn Rate (per $1 spent)
0.75 points
Capped at $3000, then 0.4 pts per $1
Rewards Program
Qantas Frequent Flyer
Bonus Points
Up to 8,000 pts
Earn 2 bonus Qantas points per $1 spent on eligible purchases in the first 4 months from card approval
Pros and cons
- Cap on earn rate
Creditcard.com.au review
Editor Review
Qantas Premier Everyday 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. Ask Pauline a Question about this card.
The Qantas Premier Everyday Credit Card
If you want a card that offers a lot but costs a little, the Qantas Premier Everyday Credit Card could well be worth looking into. This card not only allows you to earn Qantas Points on your everyday spending, it also provides a fantastic range of features for a teeny-tiny annual fee.
But that’s not all, if you apply by 10 April 2024, you could take home 2 bonus Qantas Points per $1 spent on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus Qantas Points. Plus, enjoy 0% p.a. on balance transfers for 12 months, no BT fee. Reverts to cash advance rate.
What we love...
Fancy taking a trip? The Qantas Premier Everyday Credit Card could get you there that little bit faster, with its current bonus points offer. You get 2 bonus Qantas Points per $1 spent on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus points to spend as you like.
As for points-earning potential, you likely won’t rack up points super fast, but you are still earning Qantas Points at a decent rate while paying a measly annual fee.
- Earn 1 Qantas Point per $1 equivalent on eligible International Spend
- Earn 0.75 Qantas Points per $1 on eligible Domestic Spend (up to and including $3,000 per statement period).
- Earn 0.4 Qantas Points per $1 on eligible Domestic Spend (over $3,000 per statement period).
- Earn 1 additional Qantas Point per $1 spend on Qantas products and services
In addition to the features and benefits of this everyday card is its offer of 0% p.a. on balance transfers for 12 months. No balance transfer fee. Reverts to cash advance rate. Please note, there are no interest free days on purchases while you have a balance transfer.
Another winning feature on the Qantas Premier Everyday Credit Card is its annual fee. This card could help you save with its smaller-than-average annual fee. Incredibly low for a Qantas rewards card, the annual fee is $49, and $25 per year, per additional cardholder.
What’s not so great...
One of the things to watch out for on the Qantas Premier Everyday Credit Card is its interest rate. Like most rewards cards, the Qantas Premier Everyday Credit Card has a relatively high rate of interest on purchases and cash advances. However, you can dodge those higher rates by avoiding cash advances and clearing the balance each month by the due date.
Big spenders may not be too impressed with the card’s lower earn rate, or with its points shaping past the $3,000 mark each month. But, keeping in mind the card’s low annual fee, this could still be a great option for less frequent credit card users who want to earn points on their everyday spending and travel purchases.
Why should you choose this card?
If you want a rewards card that lets you earn points on the Qantas Frequent Flyer program – while helping you to save on annual fees – the Qantas Premier Everyday Credit Card could be the perfect option. In addition, the card also offers a host of features, which again, is lovely to see on a low cost card.
- Enjoy peace of mind with these complimentary insurances: Transport Accident Insurance; Interstate Flight Inconvenience Insurance (no excess fee); Global Hire Car Excess Waiver. Conditions and exclusions apply, see qantasmoney.com for details.
- You could save on interest with 0% p.a. on balance transfers for 12 months. No balance transfer fee. Reverts to cash advance rate. Please note, there are no interest free days on purchases while you have a balance transfer.
- You can enjoy the services of a ‘personal assistant’, with the Qantas Premier Concierge, available 24/7.
- You can enjoy six months interest free on your first Qantas Purchase, across Qantas flights, Qantas Club fees, Qantas Gift Vouchers, Qantas Store or Qantas Wine purchases.
Overall Rating
As a low cost card, the Qantas Premier Everyday Credit Card has plenty to offer, providing cardholders the opportunity to earn Qantas Points as they shop, while also enjoying a multitude of features, plus 2 bonus Qantas Points per $1 spent on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus Qantas Points and introductory offer on balance transfers.
User reviews
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 $4,000
Maximum credit limit N/A
Fees & repayments
Annual fee $49 p.a.
Additional cardholder fee $25 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $30, whichever is greater
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
Bonus points Up to 8,000 points
Annual points cap uncapped
Bonus points spend criteria Earn 2 bonus Qantas points per $1 spent on eligible purchases in the first 4 months from card approval
Earning points with this card
Qantas Rewards points 0.75 points per $1 spent
Points cap per month Capped at $3000, then 0.4 pts per $1
Overseas earn rate 1 point 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
6 months interest free on your first Qantas purchase
Qantas Premier Concierge
Qantas Premier Statement Instalment Plans
Zero Liability Protection
Overview
Qantas Premier Everyday Credit Card
The Qantas Premier Everyday Credit Card comes with a low annual fee of $49 and an introductory 0% p.a. on balance transfers for 12 months. Reverts to cash advance rate. No interest-free days apply on purchases while you have a balance transfer.
Key features
- Earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus Qantas Points
- Earn 1 Qantas Point per $1 equivalent on eligible International Spend
- Earn 0.75 Qantas Points per $1 on eligible Domestic Spend (up to and including $3,000 per statement period). Earn 0.4 Qantas Points per $1 (over AU$3,000 per statement period)
- Earn 1 Additional Qantas Point per $1 spent on Qantas products and services
- Enjoy complimentary travel insurance such as overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance (no excess fee) and Global Hire Car Excess Waiver
- 0% p.a. on balance transfers for 12 months. No balance transfer fee. Reverts to cash advance rate
- $49 annual card fee. Supplementary cards at $25 per year
- Qantas Premier Statement Instalment Plans and earn up to 6,000 Qantas Points when you set up a plan of $1,000 or more and make your first three consecutive repayments on time
- Compatible with Apple Pay and Google Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident
-
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 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.
Ask a question79 questions (showing the latest 10 Q&As)
Is the statement period 55 days ..can you pay car loan repayments with a credit card
Hi Lindi! You'll get a statement every month, but the card comes with 55 days interest-free (30 days of the statement month, plus 25 extra). That means you have an extra 25 days after the statement date to pay it off before interest kicks in. Interest-free days will only be available if you paid the full closing balance the previous month. As for loan repayments, it's not advisable to use your credit card. Chances are, you'd be transferring the debt to a card with an even higher interest rate, and you'll pay a Mastercard fee of around 1.35% on top. Plus, some lenders won't accept credit card payments, so you'd have to check that first, too. Hope that helps!
When will the points earned appear in my Frequent Flyer account?
Hi Phil, the bonus points will be credited to your Qantas Frequent Flyer account within 6-8 weeks of making the eligible spend. You can contact Qantas directly at 1300 992 700 to check the status of your points.
Can I pay off the card whenever or is it only paid monthly?
Hi Avo, good question! You actually have the flexibility to pay off your card balance at any time. However, it's advisable to settle your balance before the statement period ends to avoid incurring any interest charges or fees. You also have the option to make the minimum repayment amount as indicated on your statement each month. To get specific details about your statement period, I recommend reaching out to Qantas Money directly.
Do you get international travel insurance with this card?
Hi Toni, I see that the Qantas Premier Everyday card provides travel insurance coverage. For further details on the insurance benefits, eligibility criteria, and general exclusions, you can refer to their official complimentary travel insurance T&Cs PDS.
Hi, can these qantas points be used on jetstar flights?
Hi Jillian, you can certainly use your Qantas Points to book Jetstar flights. A minimum of 3,500 Qantas Points can be redeemed per booking. You can go to jetstar.com.au for more information about the redemption process.
Does payment of Strata/Body Corporate leyy charges with this credit card attract reward points?
Hi Dennis, this depends on how your strata body processes the transaction. It’d be a good idea to speak to your body corporate to find out how they will do this. You can then take this information to Qantas to understand whether you’ll earn points. Good luck Dennis!
Do I earn reward points when I use this card to pay Council Rates?
Hi Dennis, council rates are usually classed as a “Government Charge”. The good news is there are credit cards available that do let you earn rewards on government payments. You might want to explore credit cards that offer rewards on government body payments and use our comparison table to help you pick the most fitting option for your requirements. Alternatively you could sign up for the Sniip service that for a nominal fee you can earn rewards on most payments! Hope this helps.
Do I need to register my overseas travel, to qualify for insurance.? Does it include snow skiing holidays
Hi Chris, you’re automatically entitled to insurance coverage if you have a Qantas Premier Everyday card. You just need to make sure that you’ve met all of the eligibility requirements to be covered. For more details on the terms, eligibility, and some general exclusions, you can refer to the official insurance PDS of the Qantas Premier Everyday card. There’s a detailed list of “Excluded Sports and Activities” in the PDS but you can call 1800 055 268 to discuss any coverage questions you have.
How do i need to prove my income? Is a recent notice of assessment from the tax department acceptable
Hi Harry, good question! A recent notice of assessment from the tax department is generally accepted as proof of income. It shows your declared income for the financial year and can be used as supporting documentation during the credit card application process.
Can you access the Qantas lounges with the Qantas Premier everyday credit card?
Hi Kristina, I checked this for you and it does not mention any complimentary lounge access with the Qantas Premier Everyday card. If you’re looking for lounge access you can consider comparing a range of Priority Pass Membership credit cards or credit cards that offer LoungeKey. Safe travels!
Would you recommend this Qantas premier Everyday Credit card ? I would just use it for everyday use, current card does not provide me with any Qantas points.
Hi Vicki, we don’t recommend one card over another, as the ideal credit card choice varies based on personal preferences and usage patterns (such as your desired features and how you’ll use the card). However, you can explore a range of Qantas credit cards available on this list, compare them directly, and choose the one that aligns with your specific needs and preferences. Happy hunting!
What is the Qantas Premier Everyday Credit Card compounding period (annually, monthly, weekly, etc.)?
Hi Paige, the interest on the Qantas Premier Everyday is calculated daily using the APR rate which is then multiplied against the amount outstanding on the card. This is then calculated each month and added as a charge. We did a deep dive into how interest is calculated on a credit card if you’d like to learn more.
Is council rates and Land tax rates regarded as eligible purchases ??
Hi D Joshi, Qantas Money, as well as other card issuers, do not have a published list of “eligible transactions.” Generally speaking they classify merchants on the name of the entity which processes the payment. Upon double checking, Qantas Money has stated that balance transfers, refunds, and cash advances are not considered eligible transactions. But there are credit cards that allow you to earn rewards on government payments. You can compare credit cards that offer rewards on ATO payments and utilize our comparison table to help you in selecting the most suitable one for your needs. There are also 3rd party services like Sniip that let you earn points on non-traditional payments. Hope this helps!
It keeps saying I’m not logged in, but I am.
Hi Mary, you’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. You can give Qantas Money a call directly at 1300 992 700 to inform them of this and for assistance.
Woolworths credit card is not longer going to be affiliated to QF points in july 2023 i am retired and have a superannuation plan paying my income. I am not on a pension. My credit rating can be checked with woolworth qantas rewards account. I have no debts. Am i able to join the Qantas Premier Everyday CC @ 45pa.
Hi Claudia, thanks for the information. I've checked the terms of the Qantas Premier Everyday card and it doesn’t mention whether retirees can apply for it or not. We have published an article about credit card providers that offer their services to retirees and pensioners, which may provide more information to you. The good news is that there is legislation in place that prohibits age discrimination. Additionally, you could contact Qantas Money directly at 1300 992 700 to discuss your specific situation with one of their representatives.
I currently have a Woolworths Qantas credit card but Woolworths is moving that credit card to Macquarie and there will no longer be Qantas points to earn. I have about $3500 on this card atm. How do I arrange application and balance transfer please?
Hi Julie, we’re currently not partnered with the Qantas Premier Everyday card but you can go directly to their website to apply. With this Qantas card there’s no interest free days while you have a balance transfer, so you should consider paying off the balance before spending. This will help you maximise the value of the Qantas points on the card.
Hiya, Am I able to pay gas and electricity bills and rates with this card??
Hi Annie, yes - you can definitely use Qantas Premier Everday credit card to pay your utility bills as long as your service provider also accepts payments via credit card. In terms of earning Qantas points, bill payments are considered eligible transactions so you can earn points from them. You can read more information about earning Qantas points on their Rewards T&Cs and you may also speak with Qantas Money directly at 1300 992 700 if you need further assistance.
I just applied for a credit card, but I am unsure which one I applied for. I hope it is not the one that has $450 annual fee, as I do not wish this. Can you please advise. If I have applied for the $450 annual fee card, please cancel my application.
Hi Maria, you’ve actually landed on Australia’s leading credit card comparison site, Creditcard.com.au. I recommend contacting Qantas Money directly at 1300 992 700 to inquire about your application.
Do I need to pay interest every month?
Hi Akira, the Qantas Premier Everyday card comes with 55 days interest free on it. That means your new purchases won’t be charged interest for 55 days from the start of the statement period, as long as you’re paying the card off in full each month. Otherwise, you’ll be charged 19.99% p.a. on your balance. So to stay interest-free, pay the card off in full every month. We’ve written this guide to explain interest-free days. Hope that helps!
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adamjp
13 November 2019Good card to start out collecting points with. Just stay on top of repayments to avoid interest.
Recommends this card