- 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months 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
- $49 annual card fee. Supplementary cards at $25 per year
- 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.
- Enjoy complimentary insurance: Overseas Travel Insurance (maximum 30 day duration); Transport Accident Insurance; Interstate Flight Inconvenience Insurance, subject to Nil excess; Global Hire Car Excess Waiver; Golfers’ Insurance.
- Complimentary Qantas Frequent Flyer Membership - save $99.50
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Qantas Frequent Flyer Credit Cards
Qantas Premier Everyday Credit Card
Updated 6 October 2020
Get 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months of card approval. Complimentary international travel insurance. Complimentary Qantas Frequent Flyer Membership (save $99.50).
T&Cs apply. Offer ends 24 February 2021
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
20,000 pts
Spend $3,000 in the first three months
Pros and cons
- Cap on earn rate
Creditcard.com.au review
Editor Review
Qantas Premier Everyday Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland 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 24 February 2021, you could take home 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months of card approval.
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 20,000 bonus Qantas Points by spending $3,000 or more on eligible purchases within 3 months of card approval to spend as you like.
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.
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
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: Overseas Travel Insurance (maximum 30 day duration); Transport Accident Insurance; Interstate Flight Inconvenience Insurance, subject to Nil excess; Global Hire Car Excess Waiver; Golfers’ Insurance. 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. Offer ends 24 February 2021.
- 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 epiQure 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 20,000 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
Banks you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money
Credit limits
Minimum credit limt $4,000
Maximum credit limit $30,000
Fees & repayments
Annual fee $49 p.a.
Additional card holder fee $25 p.a.
Foreign transaction fee 3%
Minimum repayment
Cash advance fee 3%
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 20,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in the first three months
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 No
Extras
6 months interest free on your first Qantas purchase
Qantas Premier Concierge
Complimentary Qantas Frequent Flyer Membership - save $99.50
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
- 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months 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 on eligible Domestic Spend (over $3,000 per statement period).
- Earn 1 additional Qantas Point per $1 spend on Qantas products and services
- $49 annual fee. Supplementary cards at $25 per year
- 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.
- Enjoy complimentary insurance: Overseas Travel Insurance (maximum 30 day duration); Transport Accident Insurance; Interstate Flight Inconvenience Insurance, subject to Nil excess; Global Hire Car Excess Waiver; Golfers’ Insurance.
- Complimentary Qantas Frequent Flyer Membership (save $99.50)
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
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question39 questions (showing the latest 10 Q&As)
Does this card integrate with Xero bank feeds, and does the statement or transaction list break down which additional cardholder made which transactions?
Hi Jen, it looks all good for Xero https://community.xero.com/business/discussion/56154561. Yes the statements are broken down by cardholder.
How do I apply for this card
Hi Jonathan, you can apply directly on the Qantas Money website - https://www.qantasmoney.com/credit-cards/premier-everyday
If I am 1 year post discharged bankrupt what are the chances of approval? Are there particular cards that cater for someone in this predicament?
Hi Rebecca, there are no bad credit credit cards in Australia. Being a discharged bankrupt makes it difficult for approval. I would not start with this Qantas Premier. I would look more at a low rate card that may give you the best chance for approval. Have a look at the ANZ First. While not a great credit card. It is one of the easier for approval. With good behaviour over time, you can look to upgrade.
hi roland, how can i apply for qantas premier everyday credit card? Is there a form online or can you email it to me please? thanks.
Hi Susana, you can apply directly on the Qantas Money website - https://www.qantasmoney.com/credit-cards/premier-everyday
what can I use my everyday credit card for that will make up the minimum 1000 per month spend
Hi Michael, petrol, travel, any purchases in store or online as examples.
Can you send me the t&c for the complimentary travel insurance when I paid my air tickets with my Qantas Premier Everyday credit card? The link on the web site is broken
Hi YC, here you go - https://assets.qantasmoney.com/legals/qmoney/documents/Premier_Insurance_Terms.pdf
I am enquiring about travel insurance that comes with my qantas premium everyday card. What are the terms and conditions for being insured. I have three overseas trips booked this year. I use this card a lot but I don't think I paid for my trips with this card
Hi Virginia, here is a link to the terms + conditions for the insurance with the card. Grabbing the eligibility. Cover is activated and effective when You pay a minimum of $500 and/or pay the full amount of the return overseas travel ticket by charging the payment to your Qantas Premier Credit Card or by redeeming Qantas points earned on the Qantas Premier Credit Card. The Trip must commence and end in Australia. Cover is not activated until a minimum of $500 and/or full amount has been paid for a return ticket (i.e. if You pay for a one-way ticket, You are not covered under these benefits). This cover extends to the Cardmember’s Spouse and/or Dependent Children who are travelling with the Cardmember for the entire holiday and who hold return overseas travel tickets.
Are there international exchange rate fees?
Hi Robert, yes, the Qantas Premier has a 3% foreign transaction fee.
Hi Roland,
In regards to the Qantas premier credit card, are BPay ant utilities bills considered cash advances, or purchases?
Hi Andrew, you earn no points on this kind of spend. Typically BPAY can be purchases. Though it will depend on the individual merchant on how they are setup. It would be worth speaking to each provider that you intend to use BPAY with you card on. To see if they charge it as purchase or cash advance.
How many points is a premier everyday card capped to?
Hi Matthew, Earn 0.75 Qantas Points per $1 on 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). So its basically uncapped but the earn rate drops to 0.4 after you spend $3,000 in a month. I prefer the HSBC Platinum Qantas card for these spend levels as higher earn rate.
Is there any foreign transaction fees with this card?
Hi Megan, yes there is, its 3%. May I suggest the 28 Degrees as an extra card in your wallet with no foreign or annual fees.
If I had this card and I paid for accomadation in Bali do I receive any qantas points Thanks
Hi Teresa, yes you earn points on your travel spend overseas.
where to submit my application please?
Hi Sandra, you can complete your application on the Qantas money site - https://www.qantasmoney.com/application/qpcb/
Hi Roland, Is the required spend per calendar month or per billing period ?
Hi Bindi, there is a minimum spend requirement just for the bonus points. 20,000 bonus points per month when you spend $1,500 or more on eligible purchases per month, for a total of 120,000 points over the first 6 months. Outside of this there is no minimum spend required. If the bonus points were not of interest. You are not required to spend anything to keep the card active. Just to cover the annual fee.
Hi Bindi, sorry I re-read your question. Its per month. Usually you will receive a monthly statement also.
Hello,
Concerning the Qantas premier everyday credit card, with multiple card holders, does the credit history also affect the multiple card holders. Also, what is the minimum repayment such that there is no bad credit history.
Thank you,
An
Hi An, the credit history of the primary applicant is what the bank will be concerned with. As the secondary card holders do not have any credit liability. Additionally your credit limit would be unchanged that they deliver. 2% of the closing balance or $30, whichever is greater is the minimum payment.
What are eligible purchases?
Hi Leigh, Eligible Transaction means 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 accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semigovernment entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity.
I heard that the Qantas Premier Card cannot be used for instore purchase with Google Pay, is this correct? If so, will this be enabled soon as it seems like a very unfortunate shortcoming of this card. Thank you.
Hi Alan, yes the Qantas premier doesn't have google or apple pay enabled. The card issued through Citi. Though I do not have any information when these features will come online. That said, its not likely they will come anytime soon.
What is the minimum credit limit on this card?
Hi Chris, the minimum credit on the Premier Everyday is $4,000
what is the bank behind the Qantas premier everyday account?
Hi Mary, Qantas Money credit cards are issued through Citi.
adamjp
13 November 2019Good card to start out collecting points with. Just stay on top of repayments to avoid interest.
Recommends this card