Qantas Money Everyday fees and rates

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Apply for the Qantas Money Everyday credit card

Receive 8,000 bonus Qantas Points when $3,000 or more is spent on eligible purchases within 90 days from card approval.1

Apply now

Annual fees

Primary Cardholder Fee2

$99

Interest rates

Retail Purchase Rate

20.99% p.a.

Cash Advance Rate

21.99% p.a.

Interest-free period3

Up to 44 days

Balance Transfer Rates4

0% p.a. for 12 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 12 months.

Other fees

Other fees and charges comparison table

Fee type

Amount

When is this fee charged?

How can you avoid the fee?

Late payment fee5

$30

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Make sure you pay your bill on time. Sign up for Direct Debit (AutoPay) to pay your bill automatically by direct debit and never miss a payment.

Paper statement fee6

$2

For each paper statement we send you.

Opt in to online statements on the Qantas Money Credit Cards App, Online, or contact us.

Over-the-counter fee7

$2.50

When you make a cash payment at an Australia Post outlet.

Domestic cash advance fee

$3.00 per transaction amount or 3% of the transaction amount whichever is higher

When you make Domestic Cash Advance from your account. Please see the definition of Cash Advance in your product T&Cs booklet.

International cash advance fee8

$5 per transaction

For a Cash Advance outside Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

International transaction fee

3% of the transaction amount

When you make any purchase or cash advance in:

  • Foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.

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.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

  1. 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.

  2. 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.

  3. The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.

  4. Offer commenced 8 September 2025. New Qantas Money Everyday credit cardholders only. Your total Balance Transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: The 0% p.a. interest rate applies to balances transferred, and the balance transfer fee, for a period of 12 months. The 12 month promotional period commences once the Balance Transfer is processed. The balance transfer fee is 3% of the balance transferred and will be added to your outstanding balance on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and the balance transfer fee, will revert to the Cash Advance Rate, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time.

  5. $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due Date. The Late Fee is debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. The Minimum Payment Due and any Over Due Amount and Payment Due Date are detailed on your statement.

  6. Manage your statement delivery preference on the Qantas Money Credit Cards App, Online, or contact us for assistance. A $2 fee applies every time a paper statement is issued. This may be waived in limited circumstances.

  7. This fee will be debited to your account when you choose to make a payment at Australia Post.

  8. The international transaction fee applies in addition to the international cash advance fee.