Apply for the Qantas Premier Everyday credit card

5,000 bonus Qantas Points are yours each month for the first 5 months from approval when you apply by 26 February 2020 and spend $1,000 or more on eligible purchases per month. That could add up to as much as 25,000 bonus points9

Plus, you’ll also enjoy a discounted fee of $29 for the first year - that’s a saving of $208

Annual fees

Annual fees table

Primary Cardholder Fee8

$49. Special offer - $29 fee for the first year, apply by 26 February 2020.

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 fee5

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 fee6

$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

Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238 098 Australian credit licence 238098, is the Credit Provider and Issuer of the Qantas Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901.

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.

  1. 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.

  2. $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.

  3. 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.

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

  5. Applies to purchases and cash advances made in foreign currency using your Qantas Premier credit card.

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

  7. For each cheque or direct debit payment dishonour.

  8. For applications submitted by 26 February 2020, 11:59pm (AEDT), you will be billed a discounted annual fee of $29 for the first year upon activation of your account. The standard annual fee, currently $49, will be billed each anniversary from card approval in subsequent years. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees are subject to change.

  9. Offer available for new Qantas Premier Everyday credit cardholders only. Up to 25,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 26 February 2020, 11:59pm (AEDT). 5,000 Qantas Points will be awarded each statement period when $1,000 or more is spent on eligible purchases that month. This offer is only available for the first 5 months from account approval. 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 for each month. If the spend criteria is not met for any of the individual months during the first 5 months, 5,000 bonus Qantas Points will not be awarded for that month. This offer is only available for the first 5 months from account approval. Please note that the 25,000 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. 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 may be extended or withdrawn at any time.

  10. New Qantas Premier Everyday credit cardholders only. Apply by 26 February 2020, 11:59pm (AEST). 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. Excludes balances transferred from other Citigroup Pty Ltd issued credit facilities. 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 may be extended or withdrawn at any time. Before making a Balance Transfer consider the following important information.