Titanium

1. Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of card approval.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. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. 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 Offer may be varied or withdrawn at any time.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. Earn rate for the Qantas Money 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. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.

3. The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per Qantas Money Titanium primary cardholder Credit Card per Anniversary Year on domestic and international flights operated by Qantas and QantasLink. The Discounted Fare Benefit only applies to the base fare and does not apply to any carrier charges, taxes and other fees that may be included in the total fare price. The base fare is the initial price of the flight amount, and does not include any additional costs such as taxes, fees and other charges. The Discounted Fares Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itinerary. The booking must be made by you through the booking portal available via your Qantas Money Credit Cards App or Online Access and you must pay for the booking in full using your Qantas Money Titanium credit card. The Discounted Fares Benefit is available on all fares including sale class fares, however it cannot be combined with any other offer, discount or promotion unless otherwise specified. The Discounted Fare Benefit is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.

4. The Qantas Money Titanium Primary Cardholder is entitled to two single-entry Complimentary Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne or Los Angeles and two single-entry Complimentary Lounge Invitations for use at domestic Qantas Club Lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) per anniversary year in accordance with the Qantas Money Titanium Credit Card Benefit Terms and Conditions. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. The Complimentary Lounge Invitation is able to be linked to another passenger travelling with the Primary Cardholder when travelling under the same booking. For Qantas Lounge locations visit here.

5. The Status Credits Benefits are awarded to the Qantas Frequent Flyer member who holds a Qantas Money Titanium credit card and flies on a Qantas operated and marketed flight booked with a Qantas Money Titanium credit card. Flights must be booked via Qantas.com or the Qantas Contact Centre (not via the Concierge), and the person travelling must be a cardholder. The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership nor can a Platinum One member use the Status Credits to retain the Platinum One membership status. Status Credit Benefits will also not contribute to Lifetime Status, Loyalty bonuses, Platinum Bonus Reward, or Platinum One Member additional benefits and will not be earned in conjunction with other Status Credit promotions unless otherwise specified. The Status Credit Benefits is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.

6. The standard annual fee, currently $1,200, 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.

7. 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 Money Titanium Credit Card Complimentary 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 Money Titanium Credit Card Complimentary Insurance Terms and Conditions. NAB does not guarantee this insurance.

8. An annual membership fee of $99 usually applies for Qantas Wine Premium Membership but this will be waived so long as you remain the primary cardholder of Qantas Money Titanium credit card. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. Liquor Act 2007 (NSW): No alcohol can be sold or supplied to anyone under 18. It’s against the law. Licence Number: NSW LIQP770016736, NT IRL0201, SA 57900154.

9. Participation in My Card Offers is subject to the My Card Offers Terms and Conditions.

10. The Qantas Wellbeing App is offered by Qantas and you must be a member of the Qantas Frequent Flyer (QFF) program and be 13 years of age or over to use it. Conditions apply and are available at https://insurance.qantas.com/termsofuse. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions available at www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html. Each Qantas Money Titanium Primary Cardholder can earn up to 20,000 Qantas Points in a year through the App as part of this offer. To earn 20,000 points, you must complete the highest daily and weekly challenges, win every weekly group challenge and complete all checks. Qantas Points earned via the App will be credited to your QFF account on a fortnightly basis. Qantas may amend or withdraw this offer including points offers for activities within the App at any time.

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

12. Offer commenced 11 February 2019. New Qantas Money Titanium 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 for a period of 6 months. The 6 months 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 variable Annual Percentage Rate for Cash Advances, 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.

13. Qantas Money Credit Card Concierge is a complimentary service available to the Primary Cardholder of a Qantas Money credit card. Refer to the Qantas Money 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.

14. 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). Your instalment plan uses part of your existing credit limit. The instalment fee or initial interest charge (whichever is applicable) will be charged on the first statement after the instalment plan is set up and will be included in the minimum payment due. Your monthly instalment will be included in the minimum payment due on each subsequent statement until your instalment plan is repaid. As you pay off your instalment plan, the amount you pay off will become available for you to use again as part of your credit limit and will incur interest at the standard annual percentage rates applicable to your account. For the full terms and conditions of your instalment plan, please refer to Section 5 of the Qantas Money Credit Card Terms and Conditions. If you fail to pay an instalment amount by the due date, you’ll be charged interest on the overdue instalment amount at the retail purchase rate. The interest charged will be added to the minimum payment due on your next statement. The Credit Card Terms and Conditions explain the meaning of overdue instalment amount and how interest is calculated and charged on this amount. We may also cancel your instalment plan. We will tell you if an instalment amount is overdue before we cancel the instalment plan. If your instalment plan is cancelled, the outstanding balance of your statement instalment plan and transaction instalment plan will revert to the retail purchase rate.

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