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Qantas Money

Get ongoing Qantas Points rewards on your home loan or when you use your cards at home and abroad.

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Qantas Pay Card

Qantas Pay Card

Qantas Pay

Earn points on your own money, at home and overseas¹

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Credit Cards

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Credit Cards

Potential to earn uncapped Qantas Points

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Home Loans

100K Qantas Points per year for the life of your loan⁺

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Qantas Pay

Earn points on your own money, at home and overseas

1 ^PT

Earn 1 point for every $4 you spend within Australia¹

2 ^PTS

Earn up to 2 points for every $1 you spend outside Australia¹

Qantas Money Credit Cards

Qantas Money Everyday

Low Annual Fee

Qantas Money Everyday Card - Promo

8,000Pts⁸

Up to 1 point per dollar spent²

$99 annual fee³

Qantas Money Platinum

Uncapped Potential

Qantas Money Platinum card - promo

Up to

100,000Pts⁹

Up to 1.5 points per dollar spent⁴

$349 first year annual fee⁵

Qantas Money Titanium

Unparalleled Benefits

150,000Pts¹⁰

Up to 2 points per dollar spent⁶

$1,200 Annual fee⁷

Compare our cards

Award winning

Mozo and Finder

Qantas Money Home Loans

The home loan that comes with a holiday every year

100K

Qantas Points
every year⁺

Variable

Owner occupied · Principal & interest

5.43

%

p.a

Interest rate^*

5.49

%

p.a

Comparison rate ^{^}

Important Information

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901.

To view the respective Target Market Determination (TMD) related to these products, please visit the TMD page.

All applications are subject to credit criteria. Fees, charges and Terms & Conditions apply. As part of your application, we will conduct a credit check, which may include a review of your credit history and rating. Making multiple applications in a short period could negatively affect your score and approval chances.

You must be a Qantas Frequent Flyer member to earn points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.

Qantas Pay is issued by EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD). Conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. This product is only available to Australian residents who are Qantas Frequent Flyer members. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. Please refer to qantas.com/terms for a copy.

* All lending interest rates are for new loans only and may differ for existing loans. Rates are subject to change. Fees and charges may be applicable and can be found on the Rates & Fees page online.

^ Important information about comparison rates: the comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: the comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. All interest rates are subject to change without notice. Fees and charges can be found on the Rates and Fees page.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.

Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases exclude money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. We may amend these exclusions from time to time by notifying you in writing. You do not earn Qantas Points when loading Australian Dollar, transferring funds from foreign currency to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred. From 1 July 2025, you will earn 1 Qantas Point per AU$1 equivalent loaded directly in foreign currency and when exchanging Australian Dollars to foreign currency, and 1 Qantas Point per AU$1 equivalent on foreign currency spend. You will earn 1 Qantas Point for every AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Pay Daily Rate as defined in the PDS, and may vary daily. Points on spend will be awarded monthly based on your statement period, points on foreign currency load will be awarded based on calendar month. Please allow up to 30 days for points to be credited to your account.
Earn rate for the Qantas Money Everyday credit card: 1 Qantas Point per whole AU$1 equivalent on International Spend; 0.75 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$3,000 each Statement Period, 0.4 Qantas Points per whole AU$1 spent above AU$3,000 each Statement Period: plus 1 Additional Qantas Point per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
The standard annual fee, currently $99, will be debited to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) occurs and then each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. These fees are subject to change.
Earn rate for the Qantas Money Platinum credit card: 1.5 Qantas Point per whole AU$1 equivalent on International Spend; 1.0 Qantas Point per whole AU$1 on Domestic Spend up to and including AU$10,000 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$10,000 each Statement Period: plus 1 Additional Qantas Point per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
Offer commenced 8 September 2025. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
Earn rate for the Qantas Money Titanium credit card: 2 Qantas Points per whole AU$1 equivalent on International Spend; 1.25 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$12,500 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$12,500 each Statement Period: plus 2 Additional Qantas Points per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
The standard annual fee, currently $1,200, will be debited to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) occurs and then each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. These fees are subject to change.
Offer commenced 01 May 2025. To be eligible for 8,000 bonus Qantas Points, you must apply for a new Qantas Money Everyday Card before the offer is withdrawn. 8,000 bonus Qantas Points will be awarded when $3,000 or more is spent on eligible purchases within 90 days of card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include: Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. This offer is not available when closing or transferring from another Qantas branded credit card account or in conjunction with any other Qantas branded credit card offer. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
Offer commenced 8 September 2025. To be eligible for up to 100,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Card before the offer is withdrawn. 60,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 60,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. The account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.