- 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 21 November 2024
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 $30, 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 question96 questions (showing the latest 10 Q&As)
Hi, My spending on my cc is approximately $2,000. Would that qualify for the Qantas Premier Everday cc?
Hi Narelle, the 8,000 bonus points with the Qantas Premier Everyday card are awarded as you spend, not as a lump sum. So, you just need to spend as normal on eligible purchases within 4 months from card approval and you’ll earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases. Thanks Narelle!
I paid for an overseas trip with my qantas premier everyday card, do I have travel insurance cover ?
Hi Carol, that depends on your eligibility, as several factors are involved. Using your Qantas Premier Everyday card, for example, may affect your eligibility. For more information, you can check the Qantas Complementary Travel Insurance. You might need to contact them to get a certificate of insurance.
When you say travel insurance does it also includes unlimited medical insurance.
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.
CAN I GET A SUPPLEMANTARY CARD FOR SPOUSE
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.
Is there an age restriction on the Complimentary Travel Isurance
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.
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
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!
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 $5000 year interest on savings. Will this allow me to qualify for the Qantas Premier Everyday card? Thank you
Hi Leigh, technically you meet the minimum income requirement, but these days it seems harder for retirees to be approved for a credit card (I wrote this blog to explain why that might be). Qantas doesn't have any specific info about the eligibility of retirement income, so it's a case of checking you meet all the other eligibility requirements as well and deciding if you want to take a chance at applying. Good luck, Leigh!
Hi , I am interested in applying for this card, however there are some questions I would like to ask If i apply for this card, will the card fee increase from 49$ 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
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 $99 from then on. Once you've activated your card you're free to use it right away. This card has up to 55 days interest free (as long as you don't have a balance transfer) so you'll have 55 days from the start of your statement date to pay everything off before it accrues interest. The best thing to do is pay off your card each month. Thanks Steve!
what is defined as eligible spends?
Hi Michael, these are usually your everyday retail transactions. This can include payments for your pet’s vet visit, meals at your favourite restaurant, and other retail based transactions. You won’t find anything classified as a “cash advance” in your eligible spend count. Hope that clears it up.
My wife and I are both over 80 years of age and both retired. We have in joint names XXXX in different bank accounts . For tax purposes we divide the interest so that way we remain below the taxable income barrier. Between us we earn over A$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
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!
Not a question, but note that Qantas are about to double the annual fee for this card, for no additional value.
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!
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
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.
Good afternoon Does the travel insurance cover my partner and my two children? Or just the card holder? Thanks
Hi Michelle, that’s a great question! I looked into this for you and it looks like your spouse and dependent children may be covered. For more information about eligibility, coverage, and some general exclusions, you can check Qantas Premier’s credit card complimentary travel insurance T&Cs PDS here.
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
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!
What is the process to transfer to your services?
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.
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
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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adamjp
13 November 2019Good card to start out collecting points with. Just stay on top of repayments to avoid interest.
Recommends this card