- Bonus points: 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. You'll also earn 1 bonus Qantas Point per $1 spent on Qantas products and services.
- Earn points per $1: Earn 0.75 Qantas Points per $1 on eligible purchases in Australia up to and including $3,000 per statement period, then 0.4 Qantas Points per $1. You'll earn 1 Qantas Point per $1 equivalent on eligible overseas purchases.
- 0% balance transfer: Pay 0% p.a. for up to 12 months on balance transfers.
- Travel perks: Complimentary travel insurance such as overseas travel insurance, transport accident insurance, interstate flight inconvenience insurance (no excess fee) and rental vehicle excess cover.
- Extras: Pay your card off with Qantas Premier Statement Instalment Plans, add additional cardholders for $25 per year, and sync your card with Apple Pay and Google Pay.
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Qantas Frequent Flyer Credit Cards
Qantas Premier Everyday Card
Updated 30 January 2025
A frequent flyer card with a low annual fee but all the travel essentials 🛩, you can earn up to 8000 bonus points in the first 4 months (conditions apply) and points on everyday spending.
The free international and domestic travel insurances and rental vehicle excess cover plus 0% p.a. on balance transfers for up to 12 months makes this a well-rounded rewards card.
Terms and conditions apply.
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
- Points are uncapped, but the amount you earn reduces after you spend $3000 in a statement period.
- You'll pay a 2% balance transfer fee. Once the 12 months is up, the rate reverts to the cash advance rate.
- You won’t get any interest-free days while you have a balance transfer.
Creditcard.com.au review
Editor Review
Qantas Premier Everyday 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.
Overall rating
While this card “only” earns 8000 bonus Qantas Points, it’s not a bad deal considering the annual fee is less than a hundred bucks (especially compared to other cards in the frequent flyer rewards space).
It still has the essential travel benefits like travel insurance and even concierge services, so as long as you don’t mind missing out on lounge passes then this card might give you just what you need.
Editor’s review: What I love about the Qantas Premier Everyday card
This is a decent card for earning Qantas Points and keeping costs low. Let’s look at the points you can earn first, starting with the 8000 bonus points.
Bonus points: You’ll earn 2 additional Qantas Points on eligible purchases for the first 4 months, up to 8000 bonus points. The extra points will be added to your account within 2 months of making the purchase.
✏ Note: You won’t earn bonus points if you already hold or have earned points on any of these cards in the previous 12 months: Qantas Premier Everyday, Qantas Premier Platnum or Qantas Premier Titanium.
Qantas says that these purchases aren’t eligible to earn points: “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 branded 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 semi government 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).”
Earning points: Points are earned for every whole $1 in Australian dollars.
- International spending: 1 point, uncapped
- Domestic spending: 0.75 points uncapped up until you've spent $3000 in a statement period, then 0.4 points thereafter
Extra points per dollar: You can also earn 1 bonus Qantas Point on eligible Qantas products. Products include flights booked through the Qantas website, Qantas Contact Centres or selected eligible travel agents, paying for Qantas Frequent Flyer and Qantas Club membership, joining and annual fees, and purchases from Qantas Wine and Qantas Marketplace.
Travel insurance
This card comes with international and domestic travel insurance. Here’s a snapshot of the cover, but remember to check the PDS for all the details and eligibility requirements.
| Type of cover | Length of cover | Inclusions |
|---|---|---|
| International travel insurance | Up to 30 consecutive days |
|
| Domestic travel insurance | Up to 14 consecutive days |
|
| Rental vehicle excess cover | Domestic and overseas trips | Up to $4,000 per covered person for overseas trip or up to $3,000 per covered person for domestic trip, with $500 excess |
Eligibility: to give you an idea, all travellers must be 79 years old or younger, book a return trip and be Australian residents. You also need to purchase accommodation, flights or cruise tickets on your Qantas Premier Everyday card. Check the insurance terms for all the eligibility requirements.
Other extras and benefits
0% p.a. on balance transfers for up to 12 months: You’ll pay 0% p.a. on balances you transfer within the first 90 days of your card being approved. You can transfer up to 80% of your credit limit, but there is a one-off 2% fee.
Concierge services: You’ll be able to access Qantas Premier Concierge to organise tickets and reservations, find information on services, and source flight and hotel availability and bookings. This service is only for the primary cardholder.
Card Offers: Link your card with Qantas Card Offers to earn bonus points on major Australian brands like Myer and Bonds. New discounts and special offers are listed on the Card Offers site and emailed direct to your inbox.
Extra cardholders: Adding other members costs $25 per year, which is a reasonable price compared to other rewards cards.
Statement Instalment Plans: If you need time to catch up, Qantas lets you pay off purchases in monthly instalments at a lower interest rate and with no setup fee. Plus, you could earn 10,000 Qantas Points when you set up a plan of $2500 or more and make your first 3 payments on time. Check the terms and conditions for all the details.
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 |
Source: Qantas website. Points are correct as at 4 July 2024. Points values may change, so please check the Qantas website to calculate your rewards.
You can use Qantas Frequent Flyer points for airlines in the oneworld Alliance, including British Airways, Cathay Pacific, American Airlines and Malaysia Airlines. You can also use points (or Points Plus Pay, where you can pay a portion in cash) at the Qantas Marketplace, which offers discounts and bonus points on 900+ brands. Remember you can earn extra points by tapping your Woolworths Everyday Rewards card and converting the points to Qantas. 2000 Woolworths Everyday Rewards points are worth 1000 Qantas Points.
What’s not so great
This is a nifty frequent flyer rewards card but there are some snags. First, remember you won’t earn the 8000 bonus points if you already hold or have earned points on any other Qantas Premier card in the past 12 months.
This card also doesn’t sync with Samsung Pay, which could be a problem if you’re into digital wallets. It is compatible with Google Pay and Apple Pay.
Lastly, you won’t get any interest-free days if you have a balance transfer. That means you could end up paying 20.99% p.a. interest on the purchases you’re making to earn the 8000 bonus points, which really eats into their value.
One idea is to earn your 8000 bonus first and then apply for the balance transfer, as long as you apply within the first 90 days to get 0% p.a. for up to 12 months offer. You might need to think about how to get the most value out of the card if you want to use both offers.
Who suits the Qantas Premier Everyday credit card?
This card isn’t heavy on features but comes with travel essentials like Qantas Points and travel insurance, making it a good fit if you’re a casual traveller who wants money-saving extras for a low cost.
It has a low income eligibility of $35,000, which is great for a premium frequent flyer rewards card.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 44 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 $25, whichever is greater
Cash advance fee 3% or $3 (domestic); $5 (international)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
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
Travel insurance underwritten by Chubb Insurance Australia Limited
Qantas Premier Concierge
Qantas Premier Statement Instalment Plans
Zero Liability Protection
6 months interest free on your first Qantas purchase
Overview
Qantas Premier Everyday 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 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
Something you need to know about this card? Ask our credit card expert a question.
Ask a question101 questions (showing the latest 10 Q&As)
I will be 84 in July this year. If I have a Qantas Premier Everyday Card will I be eligible for travel insurance overseas and domestically?
Hi Ozzie, Thank you for your question! I checked the PDS and unfortunately the age limit is 79 years of age. It looks like you won’t be eligible for Qantas travel insurance. In Australia, most included travel insurance policies have a cut-off age of 80. You may need to look for a third-party insurer that specialises in coverage for over-80s. Hope you have a great trip!
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adamjp
13 November 2019Good card to start out collecting points with. Just stay on top of repayments to avoid interest.
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