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Qantas Premier Titanium Credit Card
Qantas Premier Titanium Credit Card

Qantas Frequent Flyer Credit Cards

Qantas Premier Titanium Credit Card

Updated 12 November 2019

Apply by 26 February 2020

Points Earn Rate (per $1 spent)

1.25

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

150,000 pts

Spend $5,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 150,000 Bonus Qantas Points when spending $5,000 in 90 days from approval
  • 20% Bonus Status Credits on eligible flights purchased on your card
  • 10% Discount on eligible Qantas flights for up to 2 travellers twice a year
  • 2 Qantas First Lounge Invitations
  • 1.25 points on Domestic Spend (up to AU$12,500 per statement period)
  • 2 Qantas Points per dollar on International Spend

  • High annual fee of $1,200
  • $100 per additional cardholder

Creditcard.com.au review

Editor Review

Qantas Premier Titanium Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Big Review: Qantas Premier Titanium

Heading up the Qantas card line-up is the Qantas Premier Titanium Credit Card, a metal card with an abundance of features. For an annual fee of $1,200, the card provides 150,000 bonus Qantas Points (minimum spend required), 20% bonus Status Credits on eligible flights, and 10% discount on Qantas flights twice a year. As Australia’s highest Qantas Point earning Mastercard, it also offers a number of other perks including Qantas First Lounge access, complimentary Qantas Wine Premium Membership and a dedicated Qantas Premier Titanium Concierge.

  • 150,000 bonus Qantas Points
  • 20% bonus Status Credits on eligible flights
  • 10% discount on eligible Qantas flights for up to two travellers twice a year
  • Earn up to 1.25 points per $1 on domestic spend (up to $12,500 per statement period)
  • 2 Qantas First Lounge invitations each year
  • 2 additional lounge invitations each year for Qantas Club Domestic and selected International Business Lounges
  • Complimentary Qantas Wine Premium Membership for primary cardholders
  • Access to great deals with the Qantas Money app’s Card Offers
  • Earn up to 20,000 Qantas Points per year through the Qantas Wellbeing App
  • Dedicated Qantas Premier Titanium Concierge
  • Complimentary travel insurance
  • 6 months interest free on first Qantas purchase
  • Compatibility with Qantas Money App

 

  • Annual fee: $1,200
  • Additional cardholder annual fee: $100
  • Purchase rate: 19.99% p.a. (variable)
  • Cash advance rate: 21.99% p.a. (variable)
  • Interest free period: Up to 55 days
  • Balance transfers: 0% p.a. for 6 months
  • Bonus points require a minimum spend of $5,000 in 90 days from approval

This Card: The Lowdown

An extremely impressive addition to any wallet, the Qantas Premier Titanium Credit Card is a high-end card that is packed with features. Well-suited to cardholders who frequently travel with Qantas – and who tend to funnel a fair bit of their spending through their credit card – this card certainly gives a lot, but there is a price to pay.

To be eligible, cardholders must earn at least $200,000 per year, plus there is a $1,200 annual fee to consider. So, it goes without saying that this card is not for everyone. But, for cardholders who want a high-earning non-Amex card that offers a wonderland of travel features and handy extras, the Qantas Premier Titanium Credit Card could be well worth a closer look.

Is this card for you?

The Qantas Premier Titanium Credit Card may suit the following types of cardholders:

  • Heavy spenders who want to earn big on their spending, while keeping it simple with only one card and one annual fee, rather than a number of cards and multiple annual fees to cover.
  • American Express or Diners Club cardholders who regularly spend large amounts with merchants who don’t accept those cards, or who charge a higher surcharge.
  • Frequent travellers who fly mostly Qantas, paying for their flights using their personal credit card, to enjoy bonus Status Credits and a higher Qantas Points earn.
  • Travellers who tend to travel Business Class on Qantas, as they can enjoy access to the lounge with their booked flight, but still enjoy an upgrade to the Qantas First Lounge with this card, as well as great savings on their twice-per-year flight discounts.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Qantas Premier Titanium Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Sweetening the deal on the Qantas Premier Titanium Credit Card, new cardholders can currently benefit from 150,000 bonus Qantas Points when they spend $5,000 on the card within 90 days from card approval. To be eligible, you must apply by 26 February 2020, and you must be a new Qantas Premier Titanium cardholder.

To give you an idea of the value of those bonus points, you could fly one-way Economy from Sydney to London on a Classic Flight Reward flight using 60,000 Qantas Points, plus $271 taxes, fees and carrier charges. Alternatively, you could fly one-way Economy on a Classic Flight Reward flight using 45,000 Qantas Points plus $252 taxes, fees and carrier charges.

Everyday Earning

As a Qantas Premier Titanium Credit Card holder, you could earn:

  • 1.25 Qantas Points per $1 (up to $12,500) on Domestic Spend
  • 0.5 Qantas Points per $1 (over $12,501) on Domestic Spend
  • 2 Qantas Points per $1 on International Spend
  • 2 additional Qantas Points per $1 on Qantas Spend

 

As the card provides the highest Qantas Points earn rate for Mastercard in Australia, this could be a popular choice for cardholders looking for an alternative to American Express, which is not as widely accepted as Mastercard, and can come with higher acceptance charges. As for that tiered earning, it does significantly cut the earn rate, but it may suit cardholders who tend to spend to that $12,500 each month.

In terms of earning points on international spending, cardholders should be aware of the card’s 3% foreign currency fee, which will reduce the points-earning potential on overseas purchases.

It’s also worth pointing out that to earn points on any purchase, it must be an ‘eligible’ transaction. Ineligible transactions include transactions from operating a business, and government transactions, such as ATO payments, council rates and payments made to Australia Post. For a full list of ineligible transactions, see the card’s terms.

Accelerated Status Credit Earning

The Qantas Premier Titanium Credit Card is the only credit card to offer 20% bonus Status Credits on Qantas flights (available to both primary and additional cardholders).

How does it work? Simply book a Qantas operated or Qantas advertised flight via qantas.com or via Qantas Premier Titanium Concierge, and use your card to pay for your flights in full (no Points + Pay). The bonus Status Credits will then be awarded to you within 72 hours after the flight.

As you earn more Status Credits, you can climb Qantas Frequent Flyer membership tiers, from Bronze, Silver, Gold and Platinum to Platinum One. Each tier offers more perks, so the higher you climb, the more you benefit.

However, it’s worth noting that the offer cannot be used to move you from Platinum to Platinum One, nor can a Platinum One member use the status credits to retain the Platinum One membership status. Bonus Status Credits will also not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, or Platinum One Member additional benefits.

This Card: As a Travel Rewards Card

As a Qantas card, the Qantas Premier Titanium Credit Card most definitely fits the role of travel rewards card.

10% Off Qantas Flights

First up, the Qantas Premier Titanium Credit Card provides cardholders with a 10% discount on Qantas operated flights for two bookings per year for two people on all fare classes (international and domestic). Obviously, to be eligible, you must use the card for the booking, and the booking must be made through the Qantas Premier Titanium Concierge.

Lounge Access

While it’s unfortunate the Qantas Premier Titanium Credit Card doesn’t offer some form of unlimited lounge access for its high annual fee, it does offer two complimentary Qantas First Lounge invitations each year, plus two additional complimentary Lounge invitations each year for use in Qantas Club Domestic and selected International Business Lounges.

The First Lounge invitations may be used on any QF, JQ, 3K, GK, BL numbered flight at Sydney, Melbourne or LAX international airports, and they can be extended to a guest who is flying with you. As for the Business Lounge invitations, they can be used at any Qantas Operated International Business Lounge (except LAX) and domestic Qantas Club. You may invite a guest, provided you are travelling on the same booking.

Complimentary Travel Insurance

Providing some peace of mind when you travel, the Qantas Premier Titanium Credit Card offers complimentary travel insurance when you fly overseas. Additional cardholders are also covered – even when not travelling with the primary cardholder. With 180 days of coverage each year, cover includes medical emergencies, travel cancellation and purchase protection.

To be eligible, the airfares of all travellers who are to be covered must be paid for with the primary or additional Qantas Premier Titanium credit card, travel must start and end in Australia, and the level of cover is dependant on the type of travel, for example, if it is international or domestic.

6 Months Interest Free on First Qantas Purchase

Allowing cardholders the opportunity to save on interest when using their card to cover Qantas spending, the Qantas Premier Titanium Credit Card provides six months interest free on the first purchase of selected Qantas products and services, including Qantas flights, Qantas Club fees, Qantas Gift Vouchers, Qantas Store and Qantas Wine purchases, plus more.

This six month interest free offer will automatically be applied to the first eligible Qantas purchase made on the card, so if you plan to take advantage of it, make sure you avoid any other Qantas spending before making your desired interest-free Qantas purchase. After the six month promotional period, any balance left unpaid will revert to the card’s purchase rate.

This Card: Extras on Offer

As a feature-packed card, the Qantas Premier Titanium Credit Card has its fair share of extras.

Qantas Wine Premium Membership

Usually $99 per year, Qantas Wine Premium Membership is provided as a complimentary extra for Qantas Premier Titanium Credit Card holders. This membership offers a selection of specially curated wine and gourmet food, with access to exclusive wine products, member-only offers and wine tastings events. Members also earn an additional 3 points on top of any other Qantas Points earned, along with free delivery within Australia.

Card Offers

Cardholders can also enjoy access to even more rewards with the Qantas Premier Titanium Credit Card, simply by using the Qantas Money app to activate any Card Offers they are interested in when shopping at their favourite stores.

Qantas Wellbeing

The Qantas Premier Titanium Credit Card allows cardholders to earn more on their card as they get active, with the Qantas Wellbeing app. You can earn up to an additional 20,000 Qantas Points per year by participating in the daily and weekly challenges, to start earning points by completing everyday activities.

Dedicated Concierge

As you would expect from a high-end card such this, the Qantas Premier Titanium Credit Card offers a dedicated concierge service. The Qantas Premier Titanium Concierge is on hand seven days a week from 8am to 8pm, allowing you to book Qantas flights with your 10% discount, to book concert tickets or to make restaurant reservations.

This Card: The Essentials

As we mentioned previously, the Qantas Premier Titanium Credit Card has a rather eye-watering annual fee of $1,200. If you choose to add any additional cardholders to the account, this will come at a cost of $100 per cardholder. Is it worth it? It certainly could be, but you need to figure out whether you get more back in features and rewards than you pay out in annual fees.

While the card may not have quite as many features as some of the other top tier credit cards on the market, it does offer some enticing extras. If you happen to travel extensively – mostly on Qantas – for leisure rather than business, and if you will get a lot out of the features offered while getting plenty back in rewards, this card could be a great option.

In terms of interest though, the Qantas Premier Titanium Credit Card has a relatively high purchase rate and cash advance rate, so if you want to make the most of what it’s got to offer, it’s best to clear the balance before it starts accruing interest. As for eligibility, this card is not open to everyone. To be eligible, you must:

  • Be at least 18 years old
  • Earn at least $200,000 per year
  • Be a permanent Australian resident
  • Have an Australian mobile and residential address
  • Be a Qantas Frequent Flyer member
  • Be a new Qantas Premier primary cardholder

 

Decision Time

The Qantas Premier Titanium Credit Card is a high-end card with high-end features – and a high-end price tag. If you meet the eligibility requirements and think you will get more back in features and rewards than the $1,200 annual fee, this card could well be worth investigating, especially given its current offer of 150,000 bonus Qantas Points.

User reviews

Qantas Premier Titanium Credit Card ( based on 1 Creditcard.com.au user review )

82% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value
82%

Neville Amish

3 March 2019

The bonus points are massive plus great points earning

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 0 months

Balance transfer revert rate 21.99% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from Citi, Qantas Money

Credit limits

Minimum credit limt N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $1,200 p.a.

Additional card holder fee 100

Foreign transaction fee 3%

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 150,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $5,000 within first 90 days

Earning points with this card

Qantas Rewards points 1.25 points per $1 spent

Points cap per month Capped at $12,500 per statement period (domestic)

Overseas earn rate 2 points per $1 spent

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

2 Qantas First Lounge invitations each year

Dedicated Qantas Premier Titanium Concierge

Compatibility with Qantas Money App

Complimentary Qantas Wine Premium Membership

2 additional lounge invitations each year for Qantas Club

20% bonus Status Credits on eligible flights

10% discount on eligible Qantas flights for up to two travellers twice a year

Overview

Qantas Premier Titanium Credit Card

The Qantas Premier Titanium Credit Card packed with features for an annual fee of $1,200. New cardholders can currently benefit from 150,000 bonus Qantas Points when they spend $5,000 on the card within 90 days from card approval. To be eligible, you must apply by 26 February 2020. Get 20% bonus Status Credits on eligible flights, and 10% discount on Qantas flights twice a year.

Key features

  • 150,000 Bonus Qantas Points when spending $5,000 in 90 days from approval
  • 20% Bonus Status Credits on eligible flights purchased on your card
  • 10% Discount on eligible Qantas flights for up to 2 travellers twice a year
  • 2 Qantas First Lounge Invitations
  • 1.25 points on Domestic Spend (up to AU$12,500 per statement period)
  • 2 Qantas Points per dollar on International Spend
  • 2 Additional Qantas Points per dollar on Qantas Spend
  • Annual fee of $1,200

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. Have an Australian mobile and residential address.

  • Minimum income of $200000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

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.

Showing one question (showing the latest 10 Q&As)

Kerry

Kerry

10 July 2019
My husband travels quite a bit domestically as a QF FF for business domestically and we also travel up to 3 times a year internationally and the odd domestic leisure trip. Is this new Qantas Titanium card more for leisure travel as was indicated in some of the review or could it work well for a mixture of business and leisure.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 July 2019
    Hi Kerry, this card should only earn points on personal spend. Though many cards still payout on business activity. The cap on spend to earn points hurts the card. With such a high annual fee you had hoped you would get more. Overall the earn rate is the highest and if you use the features/Qantas then this card delivers.

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