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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

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Qantas Pay Card

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Qantas Pay

Earn points on your own money, at home and overseas²

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Credit Cards

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Credit Cards

Up to 150,000 Bonus
Qantas Points¹

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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 Australia²

2 ^PTS

Earn up to 2 points for every $1 you spend outside Australia²

Qantas Premier Credit Cards

Premier Everyday

Low Annual Fee

Premier Everyday Card - Promo

8,000Pts⁹

Up to 1 point per dollar spent³

$99 annual fee⁴

Premier Platinum

Uncapped Potential

Premier platinum card - promo

Up to

90,000Pts¹⁰

Up to 1.5 points 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

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Award winning

QPC Awards

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Qantas Money Home Loans

The home loan that comes with a holiday every year

100K

Qantas Points
every year⁺

Variable

Owner occupied · Principal & interest

5.68

%

p.a

Interest rate^*

5.74

%

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 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. 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.

Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Premier Titanium Card before the offer is withdrawn. This offer is not available if you are currently a primary cardholder of another Qantas Premier credit card, or have closed, or qualified for bonus Qantas Points on any 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 must be processed and charged to your account in the first 3 months 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 Premier Credit Card Rewards Terms and Conditions. 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. 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.
Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases exclude, but are not limited to, money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading Australia Dollar funds to your facility, 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. As of 15 April 2025, you will earn 1 Qantas Point per AU$1 equivalent loaded directly in foreign currency and when exchanging Australian Dollars to foreign currency. The earn rate of 1.5 Qantas Points per AU$1 on foreign currency spend will remain until 23:59 (AEST) 30 June 2025, with the revised earn rate of 1 Qantas Point per AU$1 effective as of 00:01 (AEST) 1 July 2025. 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 will be awarded monthly based on your statement period, please allow up to 30 days for points to be credited to your account.
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 Qantas Marketplace. 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 $99, will be billed to your account on card activation and on each anniversary from card approval. 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 Qantas Marketplace. 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.
Offer commenced 1 June 2023. 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.
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 Qantas Marketplace. 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 commenced 1 May 2025. To be eligible for 8,000 bonus Qantas Points, you must apply for a new Qantas Premier Everyday Card before the offer is withdrawn. This offer is not available if you are currently a primary cardholder of another Qantas Premier credit card, or have closed, or qualified for bonus Qantas Points on any Qantas Premier credit cards within the last 12 months. 8,000 bonus Qantas Points will be awarded when $3,000 or more is spent on eligible purchases within 3 months of card approval. Eligible purchases must be processed and charged to your account in the first 3 months 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 Premier Credit Card Rewards Terms and Conditions. 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. 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 28 February 2025. To be eligible for up to 90,000 bonus Qantas Points, you must apply for a new Qantas Premier Platinum Card before the offer is withdrawn. 50,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 3 months from card approval. Eligible purchases must be processed and charged to your account in the first 3 months 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 50,000 bonus points and 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). 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. 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 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 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.
Eligible Entrants must register for the offer and then make a point-of-sale purchase online or in-store transaction in Australian dollars or foreign currency with an activated Qantas Pay card during the Promotion Period or load a minimum of AU$100 equivalent in foreign currency onto an activated Qantas Pay facility during the Promotion Period. Number of entries will be calculated based on one (1) entry per point-of-sale purchase online or in-store transaction in Australian dollars or foreign currency with an activated Qantas Pay card during the Promotion Period and ten (10) entries for every AU$100 equivalent in foreign currency loaded cumulatively onto the Qantas Pay facility during the Promotional Period. The total maximum number of entries per Eligible Entrant in this promotion is one thousand (1,000). Promoter: Qantas Airways Limited. Promotion Period: 12:01 AM (AEST) 28 May 2025 - 11:59 PM (AEST) on 5 August 2025. Eligible Entrants: Australian residents. Minor Prize draws will be conducted weekly at 10:00 AM (AEST) on every first business day of the week from Tuesday 10 June 2025 with the last Minor Prize draw to take place at 10:00 AM (AEST) on Monday 11 August 2025. Major Prize draw: 10:00 AM (AEST) on Wednesday 20 August 2025 at MDSA, Level 16, 1 Denison Street Street, North Sydney NSW 2060. Authorised under permit numbers: NSW Permit No. NTP/13062, ACT TP25/00933, SA Licence No. T25/684. View full terms and conditions at qantasmoney.com/qantas-pay/competition-terms-2025. If the prize (or part of the prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
To earn 1,000 bonus Qantas Points, sign up for Qantas Pay for the first time between 28 May 2025 and 5 August 2025, and then add and spend $100 or more of Australian Dollars or equivalent in any foreign currency before 31 August 2025. New customers only. Offer excludes existing Qantas Travel Money card holders. Qantas Points will be credited to your account within six to eight weeks upon completion of the spend criteria. Offer may be extended or withdrawn at any time.
Promotional Foreign Exchange rates available between 12 June 2025, 09:00 AM (AEST) and 30 June 2025, 11:59 PM (AEST) (“Promotion Period”). The Qantas Pay promotional rates are preferential exchange rates compared to the standard rates offered on the ten Qantas Pay supported foreign currencies for each respective day during the Promotion Period. You must load directly into foreign currency to take advantage of the promotional rates. The promotional rates are not available for currency to currency or card to card transfers. Due to constant market and currency fluctuations, the promotional rates may be adjusted daily during the promotion period but will always be preferential to the standard Qantas Pay rates which would have been offered for each respective day during the Promotion Period. You will be able to compare the standard Qantas Pay rates and the Qantas Pay promotional rates for each respective day on qantasmoney.com/qantas-pay/buy-currency.