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Up to 8,000 Earn 2 bonus Qantas points per $1 spent on eligible purchases in the first 4 months from card approval
Qantas Premier Everyday Credit Card
Qantas Premier Everyday Credit Card

Qantas Frequent Flyer Credit Cards

Qantas Premier Everyday Credit Card

Updated 11 July 2024

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. Plus, enjoy 0% p.a. on balance transfers for 12 months with 2% 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

  • 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; 2% balance transfer fee applies. Reverts to cash advance rate
  • $99 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

  • 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. 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, but it also provides a fantastic range of features for a low annual fee.

But that’s not all, if you apply now, 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 with 2% 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 low 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. 2% balance transfer fee applies. 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 $99, 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. 2% balance transfer fee applies. 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, or Qantas Marketplace.

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

Qantas Premier Everyday Credit Card ( based on 10 Creditcard.com.au user reviews )

36% rating based on 10 reviews

Rates
Fees
Rewards
Customer Service
Value
85%

adamjp

13 November 2019

Good card to start out collecting points with. Just stay on top of repayments to avoid interest.

Recommends 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 2% 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 N/A

Fees & repayments

Annual fee $99 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 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 $99 and an introductory 0% p.a. on balance transfers for 12 months with a 2% BT fee. 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. 2% balance transfer fee applies. Reverts to cash advance rate
  • $99 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

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.

94 questions (showing the latest 10 Q&As)

Rishi

Rishi

27 June 2024
When you say travel insurance does it also includes unlimited medical insurance.
    Pauline - CreditCard.com.au

    Pauline

    5 July 2024
    Hi Rishi, that’s a great question! I checked and see that the Qantas Premier Everyday cad does include health insurance coverage. For information about the eligibility, coverage, and some general exclusivity, you can check the Qantas Money insurance PDS.
vIBODHA

vIBODHA

6 June 2024
CAN I GET A SUPPLEMANTARY CARD FOR SPOUSE
    Pauline - CreditCard.com.au

    Pauline

    7 June 2024
    Hi vIBODHA, yes you can. It’s important to note though, that you’ll have to cough up an additional $25 fee per year per additional cardholder.
Don Ley

Don Ley

19 May 2024
Is there an age restriction on the Complimentary Travel Isurance
    Pauline - CreditCard.com.au

    Pauline

    21 May 2024
    Hi Don, good question! I looked into this and see that you may be entitled to insurance coverage if you’re 79 years old or younger. For more information about eligibility, coverage, and some general exclusions, you can check the Qantas Premier complimentary travel insurance PDS.
Brian

Brian

5 April 2024
Hi is there an age restriction for this card, if so could you advise me of a card with an over 81 age limit. Thanks. Brian
    Pauline - CreditCard.com.au

    Pauline

    18 April 2024
    Hi Brian, there is no age restriction (besides being over 18) but it can be tougher for retirees to get a credit card. It might be worth checking out our blog on the kind of documents you’ll need to provide. Thanks Brian!
Leigh

Leigh

25 March 2024
I have recently retired. The only 'income' source I receive is a pension through my superannuation (I receive about $3200 per month = $38,000 per year. I also receive about $7000 per year in share dividends and $5000 year interest on savings. Will this allow me to qualify for the Qantas Premier Everyday card? Thank you
    Pauline - CreditCard.com.au

    Pauline

    28 March 2024
    Hi Leigh, technically you meet the minimum income requirement, but these days it seems harder for retirees to be approved for a credit card (I wrote this blog to explain why that might be). Qantas doesn't have any specific info about the eligibility of retirement income, so it's a case of checking you meet all the other eligibility requirements as well and deciding if you want to take a chance at applying. Good luck, Leigh!
Steve

Steve

22 March 2024
Hi , I am interested in applying for this card, however there are some questions I would like to ask If i apply for this card, will the card fee increase from 49$ to 99$ on 11 of april or it will stay 49$ forever? Am i allow to use this card to purchase right away like Qantas plane tickets or items on Qantas store ? Will there be any negative consequences? How the calculation repayments will be ? Thank you for your help Regards Steven
    Pauline - CreditCard.com.au

    Pauline

    28 March 2024
    Hi Steve, if you apply and are approved before 11 April, you'll pay $49 for your first year and then the new fee of $99 from then on. Once you've activated your card you're free to use it right away. This card has up to 55 days interest free (as long as you don't have a balance transfer) so you'll have 55 days from the start of your statement date to pay everything off before it accrues interest. The best thing to do is pay off your card each month. Thanks Steve!
Michael

Michael

8 March 2024
what is defined as eligible spends?
    Pauline - CreditCard.com.au

    Pauline

    12 March 2024
    Hi Michael, these are usually your everyday retail transactions. This can include payments for your pet’s vet visit, meals at your favourite restaurant, and other retail based transactions. You won’t find anything classified as a “cash advance” in your eligible spend count. Hope that clears it up.
John

John

7 March 2024
My wife and I are both over 80 years of age and both retired. We have in joint names XXXX in different bank accounts . For tax purposes we divide the interest so that way we remain below the taxable income barrier. Between us we earn over A$xxxx in interest each year.. Would either one of us be eligible for a Qanras Premier Credit Card at $49 if we joined prior to 10 April 2024. If not is it possible to to have a card in jopint names as jointly we earn over $40000 in interest each year. Regards John
    Pauline - CreditCard.com.au

    Pauline

    13 March 2024
    Hi John, thanks for the information. It sounds like you're doing a great job with your finances! Only a very small handful of cards allow joint accounts, so you would need to apply under one name and add the other as a cardholder or give third-party authorisation (see more about that in Qantas Money’s FAQs). That means only the applicant's income would apply, and Qantas says the minimum income requirement for the Premier Everyday is $35,000. So, you may not meet the eligibility criteria, even with all your other assets. We have a comparison guide for seniors that might help you find a card with lower eligibility criteria, and a blog that explains why it can be harder for seniors to get credit cards. I hope that's helped John, and thanks so much for reaching out and asking. All the best to you both!
Ana

Ana

25 February 2024
Not a question, but note that Qantas are about to double the annual fee for this card, for no additional value.
    Pauline - CreditCard.com.au

    Pauline

    1 March 2024
    Thanks for this Ana. We've got some rigorous processes that go on in the back and we'll update our review to reflect the new annual fee when it comes into play. Thanks!
Sam

Sam

12 February 2024
Hi, i am looking to do a 0% balance transfer for $6700, I will then be looking to pay the balance off entirely, not using additional credit. will I be eligible for qantas points on the $6700 balance transfer
    Pauline - CreditCard.com.au

    Pauline

    14 February 2024
    Hi Sam, good question! Unfortunately, when it comes to balance transfers, they're not counted as eligible purchases or transactions. So, you won't earn any points on them.
Michelle

Michelle

8 February 2024
Good afternoon Does the travel insurance cover my partner and my two children? Or just the card holder? Thanks
tracy

tracy

30 January 2024
Hi, If I get a Qantas Premium Everyday Card and use it to pay for Qantas (or an airline associated with Qantas), will the amount I pay eg. $3400 for flights, be transfered to Frequent Flyer points at the rate indicated eg. 1 Point for every dollar spent? Thanks
    Pauline - CreditCard.com.au

    Pauline

    31 January 2024
    Hi Tracy, the value of the points when they're redeemed is not the same as the rate you earn them at. If you want to figure out the value of your points for flights you can use the Qantas points calculator tool and pop in your departure and destination cities. I hope that helps!
Maxwell

Maxwell

11 January 2024
What is the process to transfer to your services?
    Pauline - CreditCard.com.au

    Pauline

    25 January 2024
    Hi Maxwell, you’re on Australia’s top credit card comparison site, Creditcard.com.au. If you’d like to apply for the Qantas Premier Everyday card, you can click the green Go To Offer button at the top of this page to fill out an online application. Please note that the application is still subject to Qantas Money’s review and approval.
Gillian

Gillian

19 December 2023
I have an ANZ CC that I collect qantas points on - will these be transferred across? How does that work? I don't want to lose them but I do want to be able to carry on collecting them
    Pauline - CreditCard.com.au

    Pauline

    19 December 2023
    Hi Gillian, good question! When approved for the Qantas Premier Everyday card, you just need to provide Qantas Money with your QFF membership number. Qantas actually hold your points balance, so letting Qantas Money know your membership number ensures continuity with your existing QFF membership account. You’ll be able to retain your current points balance.

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