- Big perks: $0 annual fee, plus earn 0.75 Qantas Points for every $1 spent on card purchases, except government body transactions where you’ll earn 0.5 Qantas Points per $1 spent. Points are uncapped
- Bonus points: Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia
- Extras: Add up to 4 additional cards at no extra cost and get Card Refund and Card Purchase Covers
- Easy payment: Pay off your balance with Plan It Instalments with 0% p.a. interest and a fixed monthly fee, and sync your card with Apple Pay, Samsung Pay and Google Pay
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American Express Credit Cards
Qantas American Express Discovery Credit Card
Updated 18 December 2024
Collect uncapped Qantas Points while shopping with $0 annual fee. Earn 0.75 Qantas Points for every $1 spent on card purchases, 0.5 Qantas Points for government transactions, and 1.75 Qantas Points on eligible Qantas products and services. Redeem points for eligible flights to over 1,000 destinations worldwide with Qantas and airline partners through Classic Flight Rewards.
This is a nifty card if you want to earn a good rate of Qantas Points and keep costs down with $0 annual fees attached.
New American Express Card Members only. T&Cs apply.
Points Earn Rate (per $1 spent)
0.75 points
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
N/A
Pros and cons
- High purchase rate
Creditcard.com.au review
Editor Review
Qantas American Express Discovery 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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Point calculations are accurate as of 18 December 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official American Express page for the updated calculations.
So, you’re searching for a Qantas rewards card that offers a great earn rate, no points capping, and a heap of useful extras. You also don’t want to pay an annual fee.
A card like that couldn’t exist, surely? That’s too much to ask.
Well, welcome to Unicorn Town, because the Qantas American Express Discovery card ticks every box on the wishlist. It’s a pretty special credit card with lots of perks, rewards, and value. But, is it right for you? Let’s take a look.
What we love...
Using this card, you can earn 0.75 Qantas Points per $1 spent on card purchases, except those made at government bodies in Australia, where you’ll earn 0.5 Qantas Points per $1. You’ll also earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services within Australia. All with no points capping! The Qantas Points you earn can be redeemed for Classic Flight Rewards with Qantas and more than 50 partner airlines and their affiliates.
Redeem points and use them on eligible flights to over 1,000 destinations worldwide with Qantas and participating airline partners through Classic Flight Rewards. You can fly premium economy from Melbourne to Canberra or Sydney with Qantas for 8,000 points.
While there are plenty of other Qantas rewards cards that offer a similar earn rate (with or without points capping), the difference between those cards and the Qantas American Express Discovery credit card is that with the Discovery card, there’s $0 annual fees.
Usually, you’d have to compare points and features against the annual fee to work out if a card is worth it for you. But, with the Discovery credit card, you’ll pay nothing out (as long as you avoid other fees and interest), while getting loads back in rewards and extras.
What’s not so great...
The card’s purchase rate is sizable, so to make the most of the features on offer, be sure to pay off the balance each month before it starts attracting interest. However, if you can pay the full balance by the due date on each statement, you'll get up to 44 days interest-free on purchases. Even though that’s a shorter interest-free period than other cards, it still gives you plenty of wiggle room to manage your cash flow.
Why should you choose this card?
You may choose this card for the $0 annual fee feature or its welcome offer. You may choose it for its Qantas points earning potential, or extras such as 24/7 global customer service, fast global card replacement, four free additional cards, and up to 44 days interest-free on purchases.
You may also choose this card to take advantage of its Card Refund and Card Purchase Covers, and its online fraud protection guarantee. Or quite simply, you may choose this card for all of the above, knowing that you have all of those versatile features and rewards while paying $0 annual fees.
Overall Rating
A Qantas rewards card with a great earn rate and no points capping with $0 annual fee.
User reviews
Rates and fees
Interest rates
Purchase rate 23.99% p.a.
Cash advance rate N/A
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $2,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3%
Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)
Cash advance fee N/A
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Qantas Rewards points 0.75 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Emergency Card replacement
Global Card Support
Eligible with Apple Pay, Samsung Pay and Google Pay
Fraud Protection Guarantee
Overview
Qantas American Express Discovery Credit Card
Earn 0.75 Qantas Points per $1 spent on card purchases, except for government body transactions in Australia where you will earn 0.5 Qantas Points per $1 spent. No points capping. Perfect for domestic or overseas travel, you can redeem your points for flights on Qantas or any of their partner airlines. Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia. Plus, new cardholders can enjoy 0% p.a. interest on eligible purchases for 12 months when they apply online and are approved for a new card.
Unlike other Qantas points-earning credit cards that can have high annual fees, with the Discovery credit card you will pay $0 annual fee. This product is available to Australian citizens, permanent residents, or holders of long term visas. Long term means at least 12 months and does not include student visas.
Key features
- $0 annual fee
- Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
- Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia
- No points capping
- Redeem and use points on eligible flights to over 1,000 destinations worldwide with Qantas and airline partners through Classic Flight Rewards
- Add up to 4 additional cards at no extra cost
- Up to 44 days interest-free on purchases
- Card Refund and Card Purchase Covers
- Emergency Card replacement (usually within 48 hours)
- Pay off your credit card balance with Plan It™ Instalments with 0% p.a. interest and a fixed monthly fee
- Eligible with Apple Pay, Samsung 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
-
Australian citizen or permanent resident or hold a long term visa. Long term means at least 12 months and does not include student visas.
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
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How to get frequent flyer number on file?
Hi Anil, you can find your frequent flyer number on your account activation emails, when you log in to your frequent flyer account or app, or you can call the account provider directly. I hope that helps!
Is there an income requirement for this card? I can't seem to find one. Would I get accepted earning $36000 a year as a casual for this card having substantial savings and a clean credit history as I have never applied for a line of credit before? Thank you.
Hi Daniel, many banks no longer offer a minimum income. Basically all you can do is make sure you meet all the eligibility criteria listed. Since this card has no annual fee, chances are the eligibility requirement may be lower. Good luck!
Can I use either the American Express Lounge or Qantas Lounge when travelling at Melbourne airport. thank you
Hi Evie, the Amex Qantas Discovery doesn’t come with lounge passes. You can compare cards with lounge access here. Credit cards with complimentary passes to The Centurion (Amex’s lounge) or Qantas Club Lounge should give you access to the Melbourne airport lounges (just make sure you meet the eligibility criteria and register first if necessary). Thanks Evie!.
I see the minimum credit limit is $2000 on the Discovery Credit Card. If I apply, would I be able to increase the amount immediately to $10 000?
Hi Sulize, if you want to increase your credit limit at any time you can request it by phone or possibly through the app. But, whether or not you're approved for the new amount depends on your application and whether you meet the eligibility for it. I hope that helps, thanks Sulize!
If I apply for this card, can I set up automatic payment, ie before the end of 44 days, all balance will be paid off?
Hi Lotte, yes you can set up automatic payments. You can set up a direct debit via a BSB and account number to have your outstanding balance sorted out.
I previous had a Diners card linked to Qantas. Never had a carry over balance. And that is what I want in another card. Diners card charges were expensive. Just to confirm this card has no annual fee ever and no yearly card fee. And no interest if balance is paid by due date, correct.
Hi Cheryl, yes you’re correct. The Qantas American Express Discovery Credit Card doesn't have an annual fee and doesn't charge any interest if you pay the balance in full by the due date.
I have applied for a credit card with St George Bank and it was declined twice in the past 4 months. Prior to St George I banked with ANZ, where I was a victim of scammers for a large amount of money. As a result of being scammed all my outgoing debits were in arrears for late payments due to my account being locked. What are the chances of me applying successfully for a cr card with you.
Hi Angelina, thank you for the message and sorry to hear what has happened to you. You should definitely order a copy of your credit file to see what the banks can see about you. The government has a great guide on what to do after being scammed, you can find here: https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed . The other thing to note is that applying for multiple credit accounts in a short period of time can also hurt your credit file. Hopefully the information at Moneysmart can help you on the right track. Best of luck Angelina!
Hi, I have a few questions about the Qantas American Express Discovery Credit Card:
1. How does the introductory offer of 0% on purchases for 12 months work? If I make a purchase, is it 0% for 12 months as long as I make the minimum payment or, is it 0% for 44 days?
2. With regards to eligibility, the minimum criteria is to hold a long term Visa of at least 12 months. Is that 12 months remaining or just 12 months total duration? I have 6 months left on my current visa and an application submitted for a further 2 years. Should I wait before applying for this card?
Thanks for your help!
Hi Mitch, the introductory offer is 0% for purchases made within the 12 months but you will need to pay the minimum monthly payment. The 0% for 44 days will kick in after the 12-month introductory offer is up. With the visa, you might need to call Amex directly to check on that one. We don't have any additional information about the duration of the Visa required, sorry. All the best!
On the Interest free period on purchases of up to 44 days, does this also mean it's interest free on eligible purchases or all purchases?
And when does the 44 days start, the day you make the purchase?
Hi Mary, the interest free period begins after the promotional zero interest period for purchases of 12 months ends. It starts from the day you make a purchase and continues until the payment due date shown on your statement. To enjoy this, you need to pay the full amount by the due date (excluding any balance transfer or introductory offers) and not carry over any past balance from previous statements. Hope this helps!
I understand that if you were to withdraw cash from an atm there would be no interest charged on this card? Is that correct?
Hi Mary, this card doesn’t allow withdrawals at all, which is why it has no cash advance fees or interest charges.
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