Apply for Qantas Money Titanium

Apply for the Qantas Money Titanium Credit Card and receive 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 90 days of approval.¹

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Annual Fees

Primary cardholder annual fee²

$1,200

Interest rates

Retail Purchase Rate	20.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period³	Up to 44 days
Balance transfers	0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.⁴

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.
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.
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.

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.

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. This offer is not available if you are currently a primary cardholder of another Qantas Money credit card, or have closed, or qualified for bonus Qantas Points on any Qantas Money credit cards within the last 12 months. 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. 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. 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.
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.
The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
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.
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due. 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.
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.
This fee will be debited to your account when you choose to make a payment at Australia Post.
The international transaction fee applies in addition to the international cash advance fee.