Fees and rates

Apply for the Qantas Premier Everyday credit card

New cardholders earn 2 bonus Qantas Points per $1 spent on eligible purchases within 4 months of card approval, up to a total of 8,000 bonus points.⁹

Offer extended to 29 November 2023.

Annual fees

Annual fees table
Primary Cardholder Fee⁸	$49
Additional Cardholder Fee⁸	$25 per cardholder per year Find out more

Interest rates

Interest rates table
Retail Purchase Rate	19.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period¹	Up to 55 days
Balance Transfers¹⁰	0% p.a. for 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 fee²	$30	Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after 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. Why not sign-up for Easi-Pay to pay your bill automatically by direct debit and never miss a payment?
Paper statement fee³	$2	For each statement we send you.	View your statements on the Qantas Money website or download the Qantas Money app.
International transaction fee⁶	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.
Over-the-counter fee⁴	$2.50	When you make a cash, cheque or EFTPOS payment at an Australia Post outlet.
Domestic cash advance fee	Under $100 – $3 $100 or more – 3% of the transaction amount	When you withdraw cash from your account in Australia.
International cash advance fee⁵	$5	When you withdraw cash from your account when overseas debited to your Account on the Transaction Date. Please note this is in addition to any International Transaction Fee that may be payable.
Dishonour fee⁷	$15	When a direct debit is dishonoured (debited at time of dishonour)	Make sure you have enough credit available to cover any direct debits from your account.

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.

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

The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. Late fee is based on the payment posting date and allows for 1 grace day after the payment due date before being charged.
To opt into paper statements, you need to call us on 1300 992 700. A $2 fee applies every time a paper statement is issued and sent to your physical mailing address.
This fee will be billed to your account when you choose to make a payment at Australia Post.
Applies to purchases and cash advances made in foreign currency using your Qantas Premier credit card.
The international transaction fee applies in addition to the international cash advance fee.
For each cheque or direct debit payment dishonour.
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.
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.
Offer extended to 29 November 2023. New Qantas Premier Everyday credit cardholders only. Apply by 29 November 2023, 11:59pm (AEDT). Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred within 90 days of card approval for a period of 12 months. The 12 month promotional period commences once the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the Cash Advance Rate, currently 21.99% p.a. You are not eligible for interest free days on retail purchases while you have a Balance Transfer on your account. This means while you have a balance transfer on your account, any further purchases will be charged daily interest at the applicable Retail Purchase Rate currently 19.99% p.a. Offer extended to 29 November 2023. Before making a Balance Transfer consider the following important information.