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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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New lower rates

New lower rates

Home Loans

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

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Credit Cards

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Credit Cards

Up to 150,000 Bonus
Qantas Points¹

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Qantas Travel Money Card

Qantas Travel Money Card

Qantas Travel Money

Earn 1.5 Qantas Points for every AU$1 spent overseas²

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Qantas Money App

Get even more with the Qantas Money app

Qantas Money Home LoansNew lower rates

The home loan that comes with a holiday every year

100K

Qantas Points
every year⁺

Variable

Owner occupied · Principal & interest

5.78

%

p.a

Interest rate^*

5.84

%

p.a

Comparison rate ^{^}

Qantas Premier Credit Cards

Premier Everyday

Low Annual Fee

Premier Everyday Card - Promo

Up to

8,000Pts⁹

Up to 1 points per dollar spent³

$49 Annual fee⁴

Premier Platinum

Uncapped Potential

Premier platinum card - promo

Up to

80,000Pts¹⁰

Up to 1.5 point per dollar spent⁵

$349 first year annual fee⁶

Premier Titanium

Unparalleled Benefits

150,000Pts¹

Up to 2 points per dollar spent⁷

$1,200 Annual fee⁸

Compare our cards

Travel Money Card

The only prepaid card to reward you with Qantas Points

QTM Device Mobile

qantas travel money bronze front @2x

qantas travel money bronze back promo @2x

Polaroid

Polaroid

Travel Money Card

The only prepaid card to reward you with Qantas Points

Qantas Roo

1.5

PTS PER AU$1 SPENT
in foreign currency²

qantas-travel-money-award-ABIA-@2x

Best Travel Money Solution RFi Group Australian Banking Innovation Awards

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 Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901. NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the products.

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.

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 Travel Money is issued by Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125, AFSL 244310. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD). Conditions apply.

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International.

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 subject to change. Fees and charges may be applicable and can be found on the Rates & Fees page online.

^ The comparison rate displayed is calculated for a Qantas Money Home Loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Qantas Frequent Flyer members will also earn an annual bonus of 100,000 Qantas Points which accrues three months after the settlement anniversary of their Qantas Money Home Loan up to 30 years, 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. In the instance of joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless you opt to either split the points between the secondary or primary applicant or award the points in full to the secondary applicant. Qantas Points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks.

Offer extended to 29 November 2023. 150,000 bonus Qantas Points offer is available to newly approved Qantas Premier Titanium credit card account holders who apply by 11.59pm (AEDT) 29 November 2023. Please note that the 150,000 bonus Qantas Points will not be awarded if you as the primary cardholder currently hold a Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 3 months of card approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Qantas Premier Credit Card Rewards Terms and Conditions. The account needs to be in good standing for bonus points to be awarded. Offer ends 29 November 2023.
Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading funds to your facility, transferring funds 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. Qantas Points are earned as follows: 1.5 Qantas Points per AU$1 spent in foreign currency and 1 Qantas Point per AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Travel Money Daily Rate as defined in the PDS, and may vary daily. For more information see qantasmoney.com/travel-money-card or contact Mastercard Qantas Travel Money Global Support.
Earn rate for the Qantas Premier 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. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following Eligible Transactions when paying with Your Qantas Premier credit card: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; purchases of Qantas Frequent Flyer membership; purchases of Qantas Club membership, joining and annual fees; purchases made from Qantas Wine and at the Qantas Rewards Store. Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but is not limited to) purchases made with Jetstar or Qantas Holidays or shopping.qantas.com. In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas. This means that the purchase would not be considered as 'Qantas Spend'. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means 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). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.
The standard annual fee, currently $49, will be billed to your account on card activation for the first year, and on the anniversary of your card approval in subsequent years. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees are subject to change.
Earn rate for the Qantas Premier 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. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following Eligible Transactions when paying with Your Qantas Premier credit card: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; purchases of Qantas Frequent Flyer membership; purchases of Qantas Club membership, joining and annual fees; purchases made from Qantas Wine and at the Qantas Rewards Store. Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but is not limited to) purchases made with Jetstar or Qantas Holidays or shopping.qantas.com. In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas. This means that the purchase would not be considered as 'Qantas Spend'. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means 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). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.
For applications submitted by 29 November 2023, 11:59pm (AEDT), you will be billed a discounted annual fee of $349 for the first year upon activation of your account. The standard annual fee, currently $399, will be billed each anniversary from card approval in subsequent years. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change. Offer ends 29 November 2023.
Earn rate for the Qantas Premier 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. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following Eligible Transactions when paying with Your Qantas Premier credit card: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; purchases of Qantas Frequent Flyer membership; purchases of Qantas Club membership, joining and annual fees; purchases made from Qantas Wine and at the Qantas Rewards Store. Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but is not limited to) purchases made with Jetstar or Qantas Holidays or shopping.qantas.com. In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas. This means that the purchase would not be considered as 'Qantas Spend'. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means 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). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.
The annual account keeping fee, currently $1,200, will be billed to your account on card activation for the first year, and on the anniversary of your card approval in subsequent years. An additional cardholder annual fee, currently $100, applies per additional cardholder. These fees are subject to change.
Offer extended to 29 November 2023. Offer available for new Qantas Premier Everyday credit cardholders only. Up to 8,000 bonus Qantas Points offer is available to newly approved Qantas Premier Everyday credit card account holders who apply by 29 November 2023, 11:59pm (AEDT). 2 bonus Qantas Points will be awarded per $1 spent on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus Qantas Points. Eligible transactions do not include Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions, or any transactions which are subsequently refunded or disputed. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of making an eligible purchase. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Premier Everyday Credit Card Account before they appear in your Qantas Frequent Flyer Account. Please note that bonus Qantas Points will not be awarded if you are currently a primary cardholder of another Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. All rewards are subject to the Qantas Premier Credit Card Rewards Terms and Conditions. The account needs to be in good standing for bonus points to be awarded. Offer extended to 29 November 2023.
Up to 80,000 bonus Qantas Points offer is available to newly approved Qantas Premier Platinum credit card account holders who apply by 29 November 2023, 11:59pm (AEDT). 60,000 Qantas Points will be awarded when $3,000 or more is spent on eligible purchases within 3 months from card approval. An additional 20,000 bonus Qantas Points offer is available to members who have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 12 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only); and apply for a Qantas Premier Platinum credit card by 29 November 2023, 11:59pm (AEDT). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 12 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. Eligible transactions do not include Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Premier Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. Please note that the bonus Qantas Points will not be awarded if you are currently a primary cardholder of another Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. All rewards are subject to the Qantas Premier Credit Card Rewards Terms and Conditions. The account needs to be in good standing for bonus points to be awarded. Offer ends 29 November 2023.
To earn bonus Qantas Points, register for this offer and load between 25th July 2023, 09:00am (AEST) and 29 September 2023, 11:59pm (AEST). Note, payment for load transactions using BPAY® or Bank Transfer will take additional time to settle and be eligible for bonus points if funds clear within 3 business days. Transactions with a minimum of AUD$500 equivalent loaded directly in foreign currency during the offer period will receive 1.5 bonus Qantas Points per AU$1 equivalent. The offer is valid for all foreign currency loaded during the offer period and a maximum of 30,000 bonus Qantas Points will be awarded under this offer. You must load directly into foreign currency to take advantage of the bonus points offer. The offer is not available for currency to currency or card to card transfers. The Qantas Points will be credited to your account six to eight weeks after the offer has closed. Not to be used in conjunction with any other promotion. Offer may be extended or withdrawn at any time.
Promoter: Qantas Airways Limited (ABN 16 009 661 901) of 10 Bourke Road, Mascot, NSW 2020. Promotion Period: 12.01am (AEST) on 22 August 2023 and closes at 11.59pm (AEST) on 29 September 2023. Eligible Entrants: Qantas Frequent Flyer members aged 18 and over. Eligible Entrants will receive one (1) entry into the competition when, during the Promotion Period, they register for the competition and successfully make a point-of-sale purchase transaction or currency load of a minimum of AU$50 Australian Dollars or equivalent in foreign currency on an activated Qantas Travel Money card. Additional entries in the draw can be earned for every additional eligible point-of-sale purchase transaction, or currency load. Total maximum number of entries per Eligible Entrant in this Promotion is fifty (50). Draw: 2pm (AEST) on 10 October 2023 at MDSA, Level 17, 40 Mount Street, North Sydney NSW 2060. One (1) winner will receive one (1) New York priceless experience package for two (2) people, including 3 nights hotel accommodation, return Business Class flights from the winner’s nearest Australian capital city to New York City, New York, US, meals on select days, a private guided city tour, private shopping experience with dedicated personal shopper, transfers to/from airport and hotel in New York City, a single load of three thousand US dollars (USD $3000) credit made to the winner’s Qantas Travel Money card and gift bag containing Mastercard branded merchandise. Priceless package must be accepted and preferred travel dates must be advised to the Promoter by 31 January 2024. Travel must be taken between 1 April 2024 to 31 December 2024, for travel from Australia only. Winner notification: in writing by email and phone within two (2) business days of the draw and their names will be published in The Australian newspaper on 25 October 2023. Prize travel and accommodation is subject to availability at the time of booking and prize travel is subject to availability of prize travel fares at the time of booking. Authorised under NSW Permit No. NTP/07451, ACT TP23/01596 & SA Licence No. T23/1237. View full competition terms and conditions.