- Bonus points: Earn 5,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of card approval.
- Balance transfer: 0% p.a. on balance transfers for 24 months with a 3% balance transfer fee (reverts to cash advance rate after 24 months).
- Earn points per $1: Earn 0.75 Qantas Points per $1 on eligible purchases in Australia up to and including $3,000 per statement period, then 0.4 Qantas Points per $1. You'll earn 1 Qantas Point per $1 equivalent on eligible overseas purchases.
- Travel perks: Complimentary travel insurance such as overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance (no excess fee) and rental vehicle excess cover.
- Extras: Pay your card off with Qantas Money Statement Instalment Plans, add additional cardholders for $25 per year, and sync your card with Apple Pay and Google Pay.
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 Everyday Card
Updated 2 November 2026
A frequent flyer card with a low annual fee but all the travel essentials 🛩, you can earn 5000 bonus points in the first 90 days (conditions apply) and points on everyday spending.
The free international and domestic travel insurances and rental vehicle excess cover, plus 0% p.a. on balance transfers for up to 24 months with 3% balance transfer fee, makes this a well-rounded rewards card.
Terms and conditions apply.
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
5,000 pts
when you spend $3,000 or more on eligible purchases within 90 days of card approval
Pros and cons
- Points are uncapped, but the amount you earn reduces after you spend $3000 in a statement period.
Creditcard.com.au review
Editor Review
Qantas Money Everyday 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.
Overall rating
While this card “only” earns 5,000 bonus Qantas Points, it’s not a bad deal considering the annual fee is less than a hundred bucks (especially compared to other cards in the frequent flyer rewards space).
It still has the essential travel benefits like travel insurance and even concierge services, so as long as you don’t mind missing out on lounge passes then this card might give you just what you need.
Editor’s review: What I love about the Qantas Money Everyday card
This is a decent card for earning Qantas Points and keeping costs low. Let’s look at the points you can earn first, starting with the 5,000 bonus points.
Bonus points: You’ll earn 5,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of card approval.
✏ Note: The offer is for new Everyday cardholders and excludes closing or transferring from another Qantas branded credit card account. Your account must remain open and in good standing until the bonus points are credited. Check the current offer terms.
Everyday spending can earn points, subject to the rewards terms. Exclusions include cash advances, instalment plans, balance transfers, special promotions, BPAY, currency and travellers cheques, business spending, fees, Qantas Points transactions, investments, cryptocurrency and government-related payments. Merchant classification determines eligibility. The sign-up bonus has separate eligible-spend rules.
Earning points: Points are earned for every whole $1 in Australian dollars.
- International spending: 1 point, uncapped
- Domestic spending: 0.75 points uncapped up until you've spent $3000 in a statement period, then 0.4 points thereafter
Extra points per dollar: You can also earn 1 bonus Qantas Point on eligible Qantas products. Products include flights booked through the Qantas website, Qantas Contact Centres or selected eligible travel agents, paying for Qantas Frequent Flyer and Qantas Club membership, joining and annual fees, and purchases from Qantas Wine and Qantas Marketplace.
Travel insurance
This card comes with international and domestic travel insurance. Here’s a snapshot of the cover, but remember to check the PDS for all the details and eligibility requirements.
| Type of cover | Length of cover | Inclusions |
|---|---|---|
| International travel insurance | Up to 30 consecutive days |
|
| Domestic travel insurance | Up to 14 consecutive days |
|
| Rental vehicle excess cover | Domestic and overseas trips | Up to $4,000 per covered person for overseas trip or up to $3,000 per covered person for domestic trip, with $500 excess |
Eligibility: Covered travellers must meet the policy’s residency, age and return-trip rules. Before departure, overseas cover requires full payment for return scheduled flights or cruises. Domestic cover can also qualify through at least $500 spent on accommodation. Eligible payments can use the card and/or Qantas Points earned on it. Additional cardholders are not covered under this policy. Check the insurance terms for all conditions.
Other extras and benefits
0% p.a. on balance transfers for up to 24 months: Request the transfer when you apply for the card. The 24-month promotional period starts when the transfer is processed. You can transfer up to 80% of your credit limit, with a one-off 3% fee. Any balance remaining after the promotion attracts the cash advance rate, currently 21.99% p.a.
Concierge services: You’ll be able to access Qantas Money Credit Card Concierge to organise tickets and reservations, find information on services, and source flight and hotel availability and bookings. This service is only for the primary cardholder.
Card Offers: Link your card with Qantas Card Offers to earn bonus points on major Australian brands like Myer and Bonds. New discounts and special offers are listed on the Card Offers site and emailed direct to your inbox.
Extra cardholders: Adding other members costs $25 per year, which is a reasonable price compared to other rewards cards.
Statement Instalment Plans: Eligible cardholders can repay eligible statement purchases in monthly instalments at a lower interest rate over a set term. An instalment fee or initial interest charge may apply. Check the offer shown in your account and the plan terms; no early repayment fee applies.
What can you get with Qantas Points?
Flights & Travel55,200 Qantas points = flight from Sydney to New York |
Shopping96,890 Qantas points = Apple watch SE |
Gift cards23,330 Qantas points = $100 Bunnings gift card |
Source: Qantas website. Points are correct as at 29 April 2025. 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 offers discounts and bonus points on 900+ brands. Remember you can earn extra points by tapping your Woolworths Everyday Rewards card and converting the points to Qantas. 2000 Woolworths Everyday Rewards points are worth 1000 Qantas Points.
What’s not so great
This is a nifty frequent flyer rewards card but there are some snags. This card doesn’t sync with Samsung Pay, which could be a problem if you’re into digital wallets. It is compatible with Google Pay and Apple Pay.
If you want both introductory offers, request the balance transfer at card application and meet the separate eligible-purchase requirement for the 5,000-point bonus within 90 days of approval. Balance transfers do not count towards that spending requirement. Check the Interest Free Days Payment on your statement before making new purchases.
Who suits the Qantas Money Everyday credit card?
This card isn’t heavy on features but comes with travel essentials like Qantas Points and travel insurance, making it a good fit if you’re a casual traveller who wants money-saving extras for a low cost.
Qantas Money recommends a minimum annual income of $35,000. Other eligibility and lending criteria also apply.
Sources:
Mastercard Zero Liability Protection Terms and Conditions
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 24 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
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 $4,000
Maximum credit limit $30,000
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee $25 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Cash advance fee Domestic: 3% of the cash advance or $3, whichever is greater. International: $5 per transaction, plus the 3% international transaction fee.
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 5,000 points
Annual points cap uncapped
Bonus points spend criteria when you spend $3,000 or more on eligible purchases within 90 days of 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
Travel insurance underwritten by Chubb Insurance Australia Limited
Qantas Money Credit Card Concierge
Qantas Money Statement Instalment Plans
Mastercard Zero Liability Protection
Overview
Qantas Money Everyday Card
The Qantas Money Everyday Credit Card comes with a low annual fee of $99, and an introductory 0% p.a. on balance transfers for 24 months with a 3% BT fee. Reverts to cash advance rate.
Key features
- Earn 5,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of card approval
- 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 24 months. 3% balance transfer fee applies. Reverts to cash advance rate
- $99 annual card fee. Supplementary cards at $25 per year
- Eligible Statement Instalment Plans offer monthly repayments at a lower interest rate over a set term. An instalment fee or initial interest charge may apply; check your individual offer.
- 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 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 question114 questions (showing the latest 10 Q&As)
Hi Caley! Europe in 2027 sounds amazing, so good on you for planning ahead! Just a heads-up that we're a comparison site rather than a bank, so the card itself is issued by Qantas Money. For this card, the complimentary international travel insurance generally kicks in when you pay for the full cost of your return flights (or cruise) with the card. Since you haven't booked your airfares yet, you'd likely still be in a good position, as the tour deposit isn't usually what triggers cover. Keep in mind there are other conditions too, e.g. age limits and a maximum trip length (this card lists up to 30 consecutive days), so it's worth reading the insurance policy wording from Qantas Money before you book. You can also compare other options in our credit cards with free travel insurance guide. Happy travels!
Hello I am travelling to Europe September 2027. I have paid a deposit on a tour overseas but not paid for airfares or anything else. Would I still qualify for the travel insurance component if I take out a credit card with you.
Is there an age restriction on the travel insurance?
Hi Gabriel, great question. For the Qantas Money Everyday card, the official travel insurance policy confirms there is an age limit. You must be 79 years old or younger at the time you make your travel booking to be eligible for cover. That said, eligibility also depends on meeting other conditions, like using your card (or points) to pay for your trip and ensuring your travel starts and ends in Australia. You can review the full policy wording on the official Qantas Money complimentary insurance PDS for all conditions and exclusions. If you're looking for Credit Card Travel insurance for older Aussies, I've written a guide that might help too. Happy travels!
1-is the cancelation fee covered by complementary travel insurance 2-annula fee of $99 is unlimited or only for the 1st year ?if that is the case how much is the annual fee for the 2nd year ? 3-is the balance of QFF points from another credit card transferable to this card or not. ?
Hi David, great questions. I'll answer them numbered as you asked them.
1. The cancellation fee coverage, like most travel insurances, comes with conditions and exclusions. You'll need to have used your card to have paid for the travel. If the cancellation was for unforeseen circumstances then you might be covered. It's always worth checking the PDS or checking with the underwriter, Chubb.
2. Unlike the Qantas Money Platinum Card the annual fee for the Qantas Money Everyday Card is charged each and every year.
3. When it comes to Qantas Points, they're all "stored" with Qantas and earnt from your linked credit card. If you've earnt Qantas Points on another credit card, you won't need to transfer them across as they're already stored with the Qantas Frequent Flyer program.
Hope this has answered all your questions. Thanks David!
does the Qantas money everyday card also include Qantas frequent flyer membership
Hi Thomas, good question! The Qantas Premier Everyday Credit Card requires you to be a Qantas Frequent Flyer member to earn Qantas Points, but it does not automatically include a Qantas Frequent Flyer membership. If you’re not already a member, you’ll need to join the Qantas Frequent Flyer program first. There are a few ways to join for free, like enrolling in Woolworths Everyday Rewards.
You can find details about the program and how to join on the official Qantas page. If you’d like to speak with Qantas Money directly about the card, you can call them on 1300 992 700. Hope that helps.
Hi Pauline, I would like to apply credit card but i don't know where to start. I never have one before. thank you
Cheers
Michelle
Hi Michelle, thanks for your message. If you’ve never had a credit card before, a good place to start is getting familiar with common features that can help you manage your spending, like interest-free days, minimum repayments and basic security protections. We’ve broken these down in simple terms in our features page.
When you’re ready to apply, it also helps to know what lenders usually look for and how to prepare your application. Our tips guide walks through that step by step.
Does paying for an annual subscription qualify as an eligible purchase
Hi Rob, thanks for your questions. You’re on CreditCard.com.au, Australia’s leading site for comparing credit cards. Anyhow, for the Qantas Money Everyday Credit Card, eligible purchases are generally everyday retail transactions, like shopping, dining, travel and services. These are the transactions that count towards earning Qantas Points or meeting spend requirements.
However, some transactions do not count as eligible purchases. This includes cash advances, BPAY payments, balance transfers, government-related payments, and fees and charges, such as the card’s annual fee. So if your “annual subscription” refers to the card’s annual fee, it won’t count as an eligible purchase but if it's something like Spotify or BINGE, then it most likely will count. You can always check with Qantas Money to make sure if you're ever in doubt
What constitutes an eligible purchase
Hi Rob, providers generally count anything classed as a retail transaction, an "eligible purchase". BPAY, cash advances, balance transfers and other transaction set out in the T&Cs won't earn points. You can check the merchant category code before you shop also! Hope this has helped.
How do I apply for this card?
Hi John, thanks for your question! To apply for the Qantas Premier Everyday Credit Card, you’ll need to head over to Qantas Money’s website, where you’ll find the full details and the online application form. If you’d prefer to speak to someone, you can also call Qantas Money on 1300 992 700. In the meantime, you might also like to explore our guide to Qantas Frequent Flyer credit cards to see other cards that could help you earn Qantas Points.
Is there a qualifying period before you can use the travel insurance portion of the card?
Hi Les, great question! There isn’t usually a set “waiting period” after you get the card, but you do need to meet the eligibility steps before your trip for the travel insurance to apply. For the Qantas Premier Everyday card, that generally means using the card (or Qantas Points earned on it) to pay for the full cost of your return flights or cruise or, for domestic cover, spending at least $500 on accommodation or paying for the full return travel before you depart. You can check the Qantas Money Credit Card Complimentary Travel Insurance T&Cs for more infomation on eligibility, and coverage.
can I take up the offer of bonus points of 8000 even though I was a card holder and wish to return to the card Qantas Premier Everyday Card
Hi again Barry! A quick note first: according to Qantas, applications for new Qantas Premier Credit Cards are temporarily paused from 6 August 2025, with applications expected to reopen on 8 September 2025. The 8,000 bonus Qantas Points offer is only available to new cardholders who haven’t held the Qantas Premier Everyday Card in the past 12–18 months.
If you’re looking at Qantas cards again, you can explore our Qantas Frequent Flyer Cards comparison for more options.
To confirm if you’re eligible for the bonus this time around, it’s best to check and contact Qantas directly at 1300 992 700.
do i earn pooints if i use my credit card for groceries, movies and clothing purchases
Hi Wanda, great question! The short answer is yes, anything that is a retail transaction will earn you points. The great thing about this card is that if you like to fly Qantas, you can also earn 1 bonus Qantas Point on eligible Qantas products.
Do you need to register for the complimentary travel insurance prior to travel, and does it cover luggage and medical expenses? Many thanks.
Hi Justin, to activate the policy you’ll need to have paid for all eligible travellers’ tickets with your Qantas card. If you’ve met the criteria you’ll get Personal Baggage, Valuables, Money and Documents Cover and Overseas Medical Emergency Expenses Cover. It’s always a good idea to read the PDS before travelling to make sure you’re aware of the policy and any exclusions. Happy travels!
I will be 84 in July this year. If I have a Qantas Premier Everyday Card will I be eligible for travel insurance overseas and domestically?
Hi Ozzie, Thank you for your question! I checked the PDS and unfortunately the age limit is 79 years of age. It looks like you won’t be eligible for Qantas travel insurance. In Australia, most included travel insurance policies have a cut-off age of 80. You may need to look for a third-party insurer that specialises in coverage for over-80s. Hope you have a great trip!
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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