Qantas Premier Credit Cards | Qantas Money

Existing cardholders: We're updating our Terms and Conditions effective 8 September 2025 and making important changes to your Qantas Premier Credit Card. Learn more about the changes.

New applications: Applications for new Qantas Premier Credit Cards are temporarily unavailable. Please check back on 8 September 2025 for more information.

Qantas Premier Everyday

Premier Everyday Card - Promo

LOW ANNUAL FEE
1.0

Qantas Points per AU$1 equivalent on International spend¹
$99

Annual fee²
Complimentary Travel Insurance³

Qantas Premier Platinum

Premier platinum card - promo

UNCAPPED POTENTIAL
1.5

Qantas Points per AU$1 equivalent on International Spend⁴
$399

Annual fee⁵
2

Qantas Lounge invitations⁶

Qantas Premier Titanium

card image

UNPARALLELED BENEFITS
2.0

Qantas Points per AU$1 equivalent on International Spend⁷
$1,200

Annual fee⁸
20%

Bonus Status Credits on eligible Qantas flights paid in full on Qantas Premier Titanium⁹
10%

Savings on the base fare of eligible Qantas flights for up to 2 adults, 2 children and 2 infants per booking, twice per Anniversary Year¹⁰
2

First Lounge Invitations (plus 2x additional Lounge Invitations)¹¹

2x complimentary Lounge Invitations to Qantas Club or Qantas operated International Business Lounges⁶
Premier Everyday No	Premier Platinum Yes	Premier Titanium Yes

2x complimentary Lounge Invitations to Qantas International First Lounges¹¹
Premier Everyday No	Premier Platinum No	Premier Titanium Yes

20% bonus Status Credits on Qantas Marketed and Operated flights⁹
Premier Everyday No	Premier Platinum No	Premier Titanium Yes

Complimentary Qantas Wine Premium Membership (valued at $99)¹²
Premier Everyday No	Premier Platinum No	Premier Titanium Yes

Save up to 20% on selected Qantas and QantasLink domestic flights for you and up to 8 companions, when you book through the booking portal on your Qantas Money account¹³
Premier Everyday No	Premier Platinum Yes	Premier Titanium No

10% saving on the base fare of eligible Qantas domestic and international flights for up to 2 adults, 2 children and 2 infants per booking, twice per Anniversary Year. Simply book through the booking portal on your Qantas Money account.¹⁰
Premier Everyday No	Premier Platinum No	Premier Titanium Yes

Complimentary Travel Insurance³
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Qantas Wellbeing Rewards¹⁴
Premier Everyday No	Premier Platinum No	Premier Titanium Yes

Card Offers¹⁵
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Qantas Money Credit Card Concierge¹⁶
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Fraud protection of Mastercard Zero Liability¹⁷
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Mastercard ID Theft Protection^TM ²¹
Premier Everyday No	Premier Platinum Yes	Premier Titanium No

Qantas Money App¹⁸
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Apple Pay
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Google Pay
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

Domestic Spend on Eligible Purchases (per whole AU$1)
Premier Everyday 0.75 Qantas Points Per whole AU$1 spend (up to and including AU$3,000)¹ 0.4 Qantas Points Per whole AU$1 spend (above AU$3,000)¹	Premier Platinum 1.0 Qantas Points Per whole AU$1 spend (up to and including AU$10,000)⁴ 0.5 Qantas Points Per whole AU$1 spend (above AU$10,000)⁴	Premier Titanium 1.25 Qantas Points Per whole AU$1 spend (up to and including AU$12,500)⁷ 0.5 Qantas Points Per whole AU$1 spend (above AU$12,500)⁷

International Spend on Eligible Purchases
Premier Everyday 1.0 Qantas Points Per whole AU$1 equivalent spend¹	Premier Platinum 1.5 Qantas Points Per whole AU$1 equivalent spend⁴	Premier Titanium 2.0 Qantas Points Per whole AU$1 equivalent spend⁷

Earn Qantas Points on Qantas Spend (on selected Qantas products and services)
Premier Everyday 1.0 additional Qantas Points Per whole AU$1 spend²	Premier Platinum 1.0 additional Qantas Points Per whole AU$1 spend⁶	Premier Titanium 2.0 additional Qantas Points Per whole AU$1 spend¹⁰

Annual Fee
Premier Everyday $99.²	Premier Platinum $399. Special offer - $349 for the first year for approved cardholders.⁵	Premier Titanium $1,200⁸

Retail Purchase Rate
Premier Everyday 20.99% p.a.	Premier Platinum 20.99% p.a.	Premier Titanium 20.99% p.a.

Cash Advance Rate
Premier Everyday 21.99% p.a.	Premier Platinum 21.99% p.a.	Premier Titanium 21.99% p.a.

Interest free period¹⁹
Premier Everyday Up to 44 days	Premier Platinum Up to 44 days	Premier Titanium Up to 44 days

Additional Cardholder fee per cardholder per year
Premier Everyday $25	Premier Platinum $50	Premier Titanium $100

Range of credit limits
Premier Everyday $4,000 to $30,000	Premier Platinum $6,000 to $100,000	Premier Titanium $15,000 to $100,000

View other fees & rates

View other fees & rates

View other fees & rates

Minimum age
Premier Everyday 18 years old	Premier Platinum 18 years old	Premier Titanium 18 years old

Minimum income
Premier Everyday $35,000 per year	Premier Platinum $35,000 per year	Premier Titanium $200,000 per year

Qantas Frequent Flyer Membership
Premier Everyday Bronze and above	Premier Platinum Bronze and above	Premier Titanium Bronze and above

Permanent Australian resident
Premier Everyday Yes	Premier Platinum Yes	Premier Titanium Yes

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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. 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.

Earn rate for the Qantas Premier Everyday credit card: 1 Qantas Point per whole AU$1 equivalent on International Spend; 0.75 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$3,000 each Statement Period, 0.4 Qantas Points per whole AU$1 spent above AU$3,000 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.
The standard annual fee, currently $99, will be billed to your account on card activation and on each anniversary from card approval. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees are subject to change.
Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb"). For Qantas Premier Everyday and Qantas Premier Platinum, Complimentary Travel Insurance is issued and underwritten 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 Card 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”) and has appointed Citi to assist to administer the products. Neither NAB nor Citi nor any of its related corporations guarantee this insurance. For Qantas Premier Titanium, Complimentary Travel Insurance is issued and underwritten 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 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. To decide if this insurance is right for you, please read the Qantas Premier Titanium Credit Card Complimentary Insurance Terms and Conditions. Chubb only provides general advice and does not consider your objectives, financial situation or needs. 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”) and has appointed Citi to assist to administer the products. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
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.
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.
The Qantas Premier Platinum and Qantas Premier Titanium 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.
Earn rate for the Qantas Premier 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. 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.
The annual account keeping fee, currently $1,200, 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 $100, applies per additional cardholder. These fees are subject to change.
The Status Credits Benefits are awarded to the Qantas Frequent Flyer member who holds a Qantas Premier Titanium credit card and flies on a Qantas operated and marketed flight booked with a Qantas Premier 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 Premier Titanium Credit Card Benefit Terms and Conditions.
The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per Qantas Premier 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 account and you must pay for the booking in full using your Qantas Premier 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 Premier Titanium Credit Card Benefit Terms and Conditions.
The Qantas Premier Titanium Primary Cardholder is entitled to two complimentary single-entry 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 Premier Titanium Credit Card Benefit Terms and Conditions. Use of the Lounge Invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions. The Lounge Invitation is transferable to another passenger travelling with the primary cardholder when travelling under the same booking. The Primary cardholder is unable to transfer a First Lounge Invitation to another Qantas Frequent Flyer member that is not on the same booking as them. For Qantas lounge locations visit here.
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 Premier 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.
The Qantas Premier Platinum Primary Cardholder is entitled to the Companion Fare Benefit once per Anniversary Year. Discount applies on the base fares (excluding taxes, fees and carrier changes) of selected domestic flights for the primary cardholder and between one and eight others, travel together on the same booking number, day 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. The booking must be made 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 Credit Card Airline Benefits Terms and Conditions.
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 Premier 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.
Participation in My Card Offers is subject to the My Card Offers Terms and Conditions.
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.
Visit Mastercard for terms and conditions of their fraud protection policy.
The Qantas Money app is owned and operated by Qantas and supported on iOS13+ and Android 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.
Apple, the Apple logo, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.
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