Qantas Premier Platinum

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1. 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.

2. The Qantas Premier Platinum Primary Cardholders are entitled to 2 single-entry complimentary lounge invitations per anniversary year for use at domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) in accordance with the Qantas Premier Platinum Credit Card Airline Benefit Terms and Conditions. Use of the lounge invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions.

3. The Qantas Premier Platinum Primary Cardholder is entitled to the Companion Fare benefit once per Anniversary Year. A discount applies on the base fares (excluding taxes, fees and carrier charges) of selected domestic flights for the primary cardholder and between one and eight others, travelling together on the same booking number, date and flight(s). The Companion Fare Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itineraries. Flights must be booked by you through the booking portal available via your Qantas Money account and paid in full using the primary cardholder's Qantas Premier Platinum credit card. For full terms and conditions, see Qantas Premier Platinum Credit Card Airline Benefits Terms and Conditions.

4. Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and is subject to the terms, conditions, excess, limits and exclusions set out in the Qantas Premier Credit Card Complimentary Travel Insurance Terms and Conditions arranged under a master policy of insurance between Chubb and National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”), the issuer of your card. Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this insurance is right for you, please read the Qantas Premier Credit Complimentary Travel Insurance Terms and Conditions. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

5. 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.

6. 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.

7. Instalment plan offers are subject to eligibility and only available if your account is and remains in good standing (For example - your account is not in default, suspended or closed). Please refer to Section 5 of the Qantas Premier Credit Card Terms and Conditions for the instalment plan terms and conditions.

8. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Terms and conditions apply.

9. Qantas Money Credit Card Concierge is a complimentary service available to the Primary Cardholder of a Qantas Premier credit card. Refer to the Qantas Premier Credit Card Rewards Terms and Conditions. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.

10. Visit Mastercard for terms and conditions of their fraud protection policy.

11. Mastercard offers ID Theft Protection^TM as serviced by a third party, Generali Global Assistance (GGA). Please read T&Cs at https://mastercardaunz.idprotectiononline.com/general/legal/terms-and-conditions