- Points: Up to 100,000 bonus Qantas Points - 70,000 when you spend $6,000 or more on eligible purchases within 90 days from approval, plus an additional 30,000 bonus points when you keep your card for over 12 months*
- Annual fee: $350
- Travel: Complimentary Priority Pass lounge passes and travel insurance
- Insurance: Complimentary insurances including Mobile Phone Protection*
- Extras: Earn cash back when you use your card at participating stores with Citi's My Cashback program
- *Please note: terms and conditions apply
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Citi Credit Cards
Citi Premier Qantas Credit Card
Updated 25 November 2024
Well played, Citi. 👏 Giving away up to 100,000 bonus Qantas Points - 70,000 bonus points (a return trip to Tokyo, if you please*) is a nice way to win the hearts of frequent flyers and holidaymakers. Plus, earn an additional 30,000 bonus points when you keep your card for over 12 months.
This one is worth checking out if you like earning points, perks, and international travel. It comes with a half-price annual fee, and a few simple conditions to unlock all those bonuses.
Points Earn Rate (per $1 spent)
1 point
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
70,000 pts
+ 30,000 Qantas Points when you keep your card open for over 12 months. Conditions apply.
Pros and cons
- Qantas Points are limited to 100,000 in a 12-month period (doesn't include Citi PayAll points)
- Annual fee is $350 if you don’t meet the discount requirements
- 44 days interest free won’t apply for retail purchases if you have a balance transfer
- Very high cash advance rates, currently 22.24%
Creditcard.com.au review
Editor Review
Citi Premier Qantas Credit 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.
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Editor's Review: What we love about the Citi Premier Qantas card
The Citi Premier Qantas card is on par with the big guns for earning top-notch travel rewards. It may not be dishing out the biggest number of bonus Qantas Points on sign-up (some are 100k+), but it still stacks up: it has one of the highest Qantas-Points-earning rates along with the opportunity to pay a substantially lower annual fee compared to others in the rewards card space.
First, I’ll explain the terms behind the perks:
- Up to 100,000 bonus Qantas Points: to earn these, you need to be a new Citi Premier Qantas card customer (you can have had Citi credit cards before, though). Points are awarded on a tiered basis: 70,000 when you spend $6,000 or more on eligible purchases within 90 days from approval, plus an additional 30,000 bonus points when you keep your card for over 12 months.
- Annual fee discount: Pay the regular annual fee of $350
How can the Citi Premier Qantas card make travel cheaper?
Most of the extras with this credit card revolve around travel, accommodation, dining out and travel-related expenses:
| Feature | How it saves money | Potential savings |
|---|---|---|
| International Travel Insurance | This travel insurance activates when you buy flights using the card, and could save you money on insurance for trips up to 6 months if you read the terms and feel satisfied that you’ll be covered for your trip and you meet eligibility criteria. The insurance may cover unexpected expenses such as cancellations, medical expenses, loss or theft of property and more. | $50-$1,000+ depending on frequency of travel, age and destination. |
| Priority Pass Membership | Priority Pass gives you access to Qantas lounges at different airports around the world. You’ll get 2 complimentary visits per year for the primary cardholder. | $115 approx. |
How many Qantas Points can you earn?
A true travellers card, the Citi Premier Qantas card rewards you best when you’re shopping online or overseas. These rates apply to eligible spending, which is your regular retail purchases:
- 1 Qantas Point for every $1 you spend internationally
- 1 Qantas Point for every $1 you spend online within Australia
- 0.5 Qantas Points for every $1 you spend in-person in Australia
⚠ You can only earn a maximum of 100,000 Qantas Points per year with this card. However, that doesn’t apply to points you earn through City PayAll.
| Citi PayAll is like the Black Pearl of the rewards world: it sneaks in and plunders points where others fear to go. You can earn 0.5 Qantas Points when you use the Citi PayAll feature in the Citi Mobile App to pay rent, taxes, education fees, childcare, property management fees, miscellaneous bills and more…and, these points are bottomless, much like Captain Jack’s bottle. |
More deal-sweeteners and perks
Citi and the Citi Premier Qantas card have a lot of extras, so I’ve summarised them here to keep it short and sweet.
| Feature | How it helps you |
|---|---|
| Concierge services | Massively underrated, concierges are on-hand 24/7 to help you organise travel, accommodation, entertainment bookings, shopping and source information on services like pet care. |
| Insurance | Besides the free International Travel Insurance, you also get Mobile Phone Protection (another rare feature), Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme on eligible purchases. These insurances can help you save money on lost, damaged and stolen items, or when you find a better price elsewhere. |
| Free additional cardholders | Add up to 4 extra cards to earn more rewards and meet the spend requirements for the annual fee discount. Just be aware that many of the card’s features only apply to the primary cardholder. |
| Citi PayAll | As explained earlier, you can earn 0.5 Qantas Points per $1 on payments that are normally excluded, such as rent, childcare and education fees, and taxes. |
| Citi Quick Cash | As an alternative to Payday loans and Pay on demand apps, Citi lets you access from $500 up to 90% of the credit available on your card (same-day, if you’re transferring it to a personal Citi account). |
| Citi Instalment Plans | In Buy now pay later fashion, you can break up big purchases into smaller payments with a fixed interest rate over a set term. |
What's not so great
As good as this card is, it does have some conditions in the fine print you should know about.
Switching rewards programs. If you switch from earning Qantas Points for Citi’s own rewards program points, the annual fee changes to $300.
International transaction fee. You’ll pay 3.4% of the amount for any retail transaction or cash advance (money withdrawn from your credit card) from a merchant overseas. There’s also an international cash advance fee of $5 per withdrawal.
Cash advances in Australia. A 3.5% fee (charged at a minimum of $3.50) is charged when you withdraw cash from your card in Australia.
Citi PayAll costs. Citi Payall was free to use for new payments until October 31, 2023. The transaction fee has kicked back in, but it's been reduced from 2% to 0.95% of the amount being paid. So, you'll need to weigh up the points you would earn against the cost of the % fee when paying your bills to decide if it’s worth it.
What can you get with Qantas Points?
Flights & Travel110,400 Qantas points = return flight to London |
Shopping96,890 Qantas points = Apple watch SE |
Gift cards23,330 Qantas points = $100 Bunnings gift card |
You can use Qantas Frequent Flyer points for airlines in the oneworld Alliance, including British Airways, Cathay Pacific, American Airlines and Malaysia Airlines.
Qantas Points can also be redeemed for anything in the Qantas Rewards store. That includes appliances, homewares, electronics, gift cards and even subscriptions like Spotify.
| 💡Earn more points by double-dipping: 2000 Woolworths Everyday Rewards points are worth 1000 Qantas Points. Tap both at the checkout and set your Everyday Rewards points to transfer automatically to Qantas Points. |
Editor’s Summary
The Citi Premier Qantas card is flush with premium features, which is why the standard annual fee is $350; an average fee for a high-tier rewards card, and a pretty special deal if you can swing the 50% discount each year.
To get the most out of the card, you’ll want to check that you would spend enough each year to unlock the bonuses and earn decent Qantas Points. Overall, it’s a card with a number of ways to earn points, plus freebies and perks, and the potential to deliver very good bang for your (points-earning) bucks.
User reviews
Rates and fees
Interest rates
Purchase rate 21.49% p.a.
Cash advance rate 22.24% p.a.
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $10,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $350 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 70,000 points
Annual points cap 100,000
Bonus points spend criteria + 30,000 Qantas Points when you keep your card open for over 12 months. Conditions apply.
Earning points with this card
Qantas Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance Yes
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Travel insurance underwritten by Allianz Global Assistance
Guaranteed Pricing Scheme
Overview
Citi Premier Qantas Credit Card
Key features
- Earn up to 100,000 bonus Qantas Points on a new Citi Premier Qantas Credit Card. Points will be awarded on a tiered basis: 70,000 bonus Qantas Points when you spend $6,000 in the first 90 days plus an extra 30,000 bonus Qantas Points when you keep your card open for over 12 months
- Pay the annual fee of $350
- 44 days interest free on purchases if you pay off the balance in full by the due date
- Cashback and discounts with participating retail and service provider partners
- Qantas Points are earned at 1 point per $1 spent on eligible transactions online and internationally, or 0.5 points per $1 on domestic spend elsewhere
- Earn Qantas Points on expenses including rent, taxes, education, property management fees, and childcare with Citi PayAll Spend
- Enjoy 10% discount (up to $250) Limited Time Lux Exclusive hotel offers. Offer available until 1 March 2025.
- Complimentary lounge passes and travel insurance
- Compatible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
An Australian citizen or permanent resident
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
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