Why choose a Qantas Premier credit card?
There’s a Qantas Premier credit card to suit your lifestyle and whether you’re at home or abroad, our cards will help you reach your reward goals sooner. Plus, being a Mastercard®, it’ll be accepted nearly everywhere you go.
As you'd expect from Qantas, these cards have great benefits including:
Uncapped earning power - There is no cap to the number of points you can earn with Qantas Premier credit cards on eligible purchases, at home or abroad1.
Help at hand – From millions of Mastercard locations worldwide5 to your dedicated concierge, and complimentary travel insurance2 - you can count on us.
What’s the difference between the Qantas Premier Platinum and Qantas Premier Everyday card?
The Qantas Premier Platinum and Qantas Premier Everyday cards will help you reach your reward goals sooner – simply pick the card that suits your lifestyle.
Both cards come with uncapped earning power so there’s no cap to the number of Qantas Points you can earn on eligible purchases1; plus a dedicated concierge and complimentary travel insurance2.
Qantas Premier Platinum also comes with travel benefits such as discounted domestic airfares3 and two complimentary lounge invitations each year4.
Who can apply for a Qantas Premier credit card?
To be eligible to apply for a Qantas Premier card, you must:
How do I apply for a Qantas Premier credit card?
You can apply online in a few easy steps - it should only take around 10 minutes!
You’ll need to have the following handy:
We’ll let you know if we need you to upload additional documents, such as payslips and bank statements, to support your application.
Can I have both a Qantas Premier Platinum and Qantas Premier Everyday card?
No. You can have only one Qantas Premier credit card account in your name – you can be either a Primary Cardholder on a Qantas Premier Platinum or Qantas Premier Everyday account. However, you can also be an additional cardholder on another person’s Qantas Premier credit card account.
Can I transfer a balance from another credit card?
Yes. From time to time we will advertise balance transfer promotional offers to new or existing customers.
During the application process, you can apply to transfer up to 80% of your approved credit limit to your Qantas Premier credit card account from your credit cards, store cards, loans or other credit accounts (maximum 4).
You’ll need to have the name of the financial institution (or biller code), BPAY customer reference number and the amount you want to transfer handy.
You can also apply for a balance transfer once your account is activated by contacting Qantas Premier Card Support on 1300 992 700.
Can I add an additional cardholder?
Yes. You can add up to 4 additional cardholders to your Qantas Premier credit card account - 1 when you apply, and more once you’ve activated your card (up to 4 in total). Each additional cardholder must be an Australian resident, 16 years or older and a Qantas Frequent Flyer member at the time of application or to view their transactions and credit card details online.
All Qantas Points earned by Additional Cardholders will be credited to the Primary Cardholder.
An annual fee will be applied to your account for each Additional Cardholder, currently $50 for each Additional Cardholder on a Qantas Premier Platinum credit card, and $25 for each Additional Cardholder on the Qantas Premier Everyday credit card.
How do I remove an additional cardholder from my account?
To remove an additional cardholder from your account, please call Qantas Premier Credit Card Support on 1300 992 700.
How long does the application process take?
It should take around 10 minutes to apply if you have all of your personal information handy. If you need to, you can save your partially completed application and continue right where you left off any time within 21 days.
Once you have submitted your application, you will receive a confirmation email in approximately 60 seconds, containing your application number, and a link which you can use to check the status of your application online. If your application needs further assessment, we’ll advise you when you can expect to hear from us.
If your application is approved, you should receive your card in 3-5 working days. If your card hasn't arrived in 10 working days, please call us on 1300 992 700
How do I reduce the size of an image I need to upload?
I’m using a Mac
Open the image in Preview
Click on Tools > Adjust Size
Ensure Scale proportionally is checked and then either select a smaller size from the Fit into dropdown or enter a smaller Width or Height
Check the Resulting size area to see if the image is now below 2.5MB
I’m using Windows
Open the image in Microsoft Paint
Select Home > Resize
Ensure Maintain aspect ratio is checked and then enter a smaller horizontal % and click OK
To save the new image, click File > Save
Go to Windows Explorer and check if the image is now below 2.5MB
When will I receive my bonus Qantas Points?
Bonus Qantas Points will ordinarily be credited to your Qantas Frequent Flyer account around 6-8 weeks after all eligibility criteria are met, unless otherwise specified in the promotion.
Where can I use my Qantas Premier credit card?
You can use your card at millions of locations worldwide that display the Mastercard logo.
This includes making purchases in person, online, over the phone, by mail order, or paying bills using BPAY®. You can also use your card to withdraw cash from ATMs5 or over the counter at participating outlets that display the Mastercard logo.
Your Qantas Premier credit card is also enabled with Mastercard Contactless™, the faster way to pay for purchases under AU$100 within Australia. You won’t need to enter your card PIN, simply Tap&Go™. You can also use Mastercard Contactless™ for purchases AU$100 and over but you’ll need to enter your card PIN to authorise the transaction5.
How many Qantas Points will I earn on purchases?
There’s no cap to the number of Qantas Points you can earn everyday – at home or abroad.1
|Spend||Qantas Premier Platinum Earn Rates1||Qantas Premier Everyday Earn Rates1|
|International Spend||1.5 Qantas Points per AU$1 equivalent||1 Qantas Point per AU$1 equivalent|
|Domestic Spend||1 Qantas Point per AU$1 (up to and including AU$10,000 per statement period)
0.5 Qantas Points per AU$1 (over AU$10,000 per statement period)
|0.75 Qantas Points per AU$1 (up to and including AU$3,000 per statement period)
0.4 Qantas Points per AU$1 (over AU$3,000 per statement period)
|Qantas Spend1||1 additional Qantas Point per AU$1 spent on selected Qantas products and services, including flights.||1 additional Qantas Point per AU$1 spent on selected Qantas products and services, including flights.|
Qantas Points are earned in accordance with the Qantas Premier Credit Card Rewards Terms and Conditions and will appear in your credit card account within 30 days and available in your Frequent Flyer account after the next statement cycle, unless otherwise specified under Special Promotion.
Which transactions will earn Qantas Points?
You’ll earn Qantas Points on all eligible transactions1 made using your Qantas Premier credit card excluding:
Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and traveler cheques, transactions made in operating a business, payments to other Citi 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).
If you receive a refund or chargeback to your account, for example returned goods or services, or a disputed transaction that is reversed, the points relating to that reversal will be deducted from your account.
Is there an interest-free period on my account?
Yes. The maximum 55 days interest free period applies when you pay your balance off in full each month, on or before the due date for both the prior and current Statement Periods, (that’s is, 2 consecutive Statement Periods). If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest from purchase date. Interest Free Days are not available on Cash Advances or when you have Balance Transfers.
What is ‘Get away interest free for 6 months’?
Enjoy 6 months interest free on the first Qantas Purchase7 made with your Qantas Premier credit card within 6 months of account approval, regardless of whether the transaction is made by either the Primary Cardholder or Additional Cardholder.
Find out more about the 6 months interest free period:
How do I book discounted companion fares?
To book your discounted companion fares, the Qantas Premier Platinum credit card Primary Cardholder can simply call the Qantas Premier Concierge on 1300 992 700 anytime, 24 hours a day, 7 days a week.
Find out more about discounted companion fares
What travel insurance cover is included with my card?
Get peace of mind – with complimentary travel insurance2 for yourself, your spouse and your dependents travelling with you, when you book using your card or using Qantas Points earned on your card. You’ll get medical emergency expenses cover up to $1,000,000, travel cancellation cover up to $20,000 and much more.
View the Qantas Premier Credit Card Complimentary Travel Insurance Terms and Conditions for full eligibility and cover details.
How do I make a travel insurance claim?
What services are provided by the Qantas Premier Concierge?
Our concierge service, dedicated to Qantas Premier primary cardholders, is just a phone call away, anytime you need assistance – from restaurant bookings to travel recommendations.
Call the Qantas Premier Concierge on 1300 992 700, anytime, 24 hours a day, 7 days a week.
Find out more by reading about the Qantas Premier Concierge:
How can I manage my Qantas Premier account?
The best way to manage your account is via the Qantas Money website or the Qantas Money app6. You can:
See your balances, transaction history, and bill payment details
Download and print your statements
Activate your card and choose your card PIN
Cancel a lost or stolen card and request a replacement
Place a temporary lock on your card if you’ve misplaced it
Plus, the app also allows you to connect your other financial institutions’ accounts to get a full picture of your money in one place.
Download the Qantas Money app from the App Store or on Google Play™.
Find out more about the Qantas Money app
You can also self-service your account by calling 1300 992 700 and following the prompts.
How do I activate my card?
It only takes a minute to activate your card and choose your card PIN online at Qantas Money or via the Qantas Money app6. You won’t receive a card PIN in the mail.
Download the app from the App Store or on Google Play™.
Can I choose my own card PIN?
Yes. You can choose a 4-digit card PIN as part of the card activation process. You won’t receive a card PIN in the mail.
You can also change your PIN at any time via the Qantas Money website or the Qantas Money app6.
Where can I find my statements?
Simply log in to Qantas Money or the Qantas Money app anytime, anywhere6. You’ll be able to download and print all your statements. Currently this is only available in PDF format.
How can I pay my credit card bill?
Check your payment details on Qantas Money, the Qantas Money app6 or on your statement.
Then, select one of the following payment options available to you:
How are my monthly repayments calculated?
You must pay the Minimum Payment Due by the Payment Due Date each month.
The Minimum Payment Due is (rounded to the nearest dollar):
i. The Card Balance if it is less than $30; or
ii. the greater of:
a) $30; or
b) 2.00% of Card Balance; or
c) the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month,
plus any Monthly Instalment for that month.
How can I pay bills with my card?
How can I withdraw cash from my account?
You can withdraw up to your total cash limit, not being greater than AU$1,000 per day from your Qantas Premier account5:
How do I report suspicious transactions?
You should regularly check your Qantas Premier account statements against your personal records to ensure that you recognise all transactions. If you don't recognise a transaction, please call us immediately on 1300 992 700 anytime, 24 hours a day, 7 days a week.
What should I do if my card is lost or stolen?
You can cancel a lost or stolen card online or via the Qantas Money app6. We'll block your card immediately and send a replacement card to the address shown on your statement.
Call 1300 992 700 anytime, 24 hours a day, 7 days a week, if you need to:
Or, if you’ve simply misplaced your card, you can lock it temporarily while you look for it. Just visit the Settings tab once you have logged into your account.
Will my replacement card have the same card number and PIN number?
You’ll need to activate your replacement card online or via the Qantas Money app before you can use it.
How can I change my credit limit?
To apply for an increase or to request a decrease to your credit limit, call Qantas Premier Card Support on 1300 992 700.
Please note that an application to increase your credit limit is subject to our credit criteria, your existing accounts being in good order at the time of processing and provided that you have not successfully applied for a credit limit increase or accepted an additional credit product from us in the last six months.
How do I update my address or personal details?
To change your personal details, including address, phone number, email or name simply contact the Qantas Premier Card Support on 1300 992 700. We’re available to take your call 24/7.
Please note that changes to your Qantas Premier account will not update your Qantas Frequent Flyer details. To make changes to Qantas Frequent Flyer please log in at qantas.com.
How can I unsubscribe from marketing emails?
To unsubscribe from Qantas Premier credit card marketing emails, please follow the instructions at the bottom of any of the emails or contact Qantas Premier Card Support on 1300 992 700.
Why do I need to enter a password to access certain features?
This password is an extra layer of security to help protect your account from unauthorised access.
We’ll only ask you to enter your password when you access features that are considered high risk such as activating your card, choosing your PIN, viewing statements and notices, paying a bill, locking your card or reporting it lost or stolen.
How do I download my transactions?
As a Qantas Premier cardholder, you can export your transactions when using the desktop version of Internet Banking available through qantasmoney.com. Once you are logged in and able to view some transactions, an 'Export' option will be shown on the top right of the screen. Click this link, and you will be presented with some options before downloading your transactions.
What format is the transactions file in?
You can currently download your transactions in the standard CSV (Comma Separated Value) format. The transaction file has been formatted to include, the transaction name, amount and the last four digits of the card number. We will be supporting additional formats in the future. The exported file, will be named to include the date the file was generated.
How far back can I download my transactions?
You can download your settled transactions from what is available as of the current day to two years in the past.
What interest rates apply?
You can view our current interest rates here or on your monthly Qantas Premier credit card statement.
What fees apply and when are they charged?
The annual fee will be debited from your account at card activation and then each subsequent year on the anniversary of your account approval.
Additional cardholder fees will be charged when the additional card is issued and then together with the primary cardholder’s annual fee in subsequent years.
What if I’m finding it hard to meet my Qantas Premier credit card repayments?
If you’re experiencing difficulty meeting your credit card repayments, there are a number of ways we may be able to help you, including a range of special assistance measures.
Please contact us to discuss your options
Free and independent financial counselling
What do I do if I receive a suspicious phone call?
If someone calls you with a Qantas credit card offer and asks for your personal information, you can call us on 1300 992 700 to confirm if the call is genuine.
How can I protect myself online?
How can I tell which emails are genuine?
You should disregard any emails that:
Report suspicious emails immediately by calling us on 1300 992 700, anytime, 24 hours a day, 7 days a week.
How does Qantas Money protect my Qantas Premier account?
There are a number of ways we protect your Qantas Premier account, so you can rest assured that your money is in safe hands.
With 24/7 fraud protection, we monitor every transaction you make on your Qantas Premier credit card for irregular activity. If a suspicious transaction is detected, we'll contact you to verify it.
We also ask you to enter a password when you access features that are considered high risk such as activating your card, choosing your PIN, viewing statements and notices, locking your card or reporting it lost or stolen. This provides an extra layer of security to help protect your account from unauthorised access.
How does Qantas Money protect my financial data?
We really care about security. That's why we follow international best practices such as ISO:27001 and PCI-DSS when designing our technology infrastructure. These are the same standards used by major international banking and finance organisations, so you can be sure your data is safe with us. Your data is protected with:
Can I use my fingerprint to log in?
Yes. If your fingerprint is stored on your device, you can use it to log in to Qantas Money instead of entering your passcode. Go to More, then Settings to activate Log in with Touch ID (iPhone) or Log in with fingerprint (Android).
The app doesn’t recognise my fingerprint
Try these tips if you’re unable to log in with your fingerprint:
What if I’ve forgotten my passcode?
On the login screen, tap Forget me on this device - you’ll then be prompted to enter your Qantas Frequent Flyer login details and choose a new passcode.
How do I log out?
To log out, simply go to More and tap Log out. If you want the app to forget your Qantas Frequent Flyer login details too, tap Forget me on this device on the login screen. We’ll automatically log you out when you minimise the app for more than 15 minutes or when you close the app.
Why use the Qantas Money app?
The Qantas Money app allows you to see all your accounts, all in one place.
What type of accounts can I connect?
You can connect transaction, savings, credit card, home loan and investment accounts to Qantas Money.
I can’t find my bank in the list
We currently support 11 major Australian financial institutions. Let us know if the one you’re looking for isn’t available and we’ll look at adding it to Qantas Money in the future.
Is it OK to enter my online banking login details?
As each financial institution has different terms and conditions, please consider their terms and conditions before providing your online banking login details.
Can I transfer money using the app?
Qantas Money is a read-only app - this means that money can’t be transferred or withdrawn from your connected accounts using the app.
I can’t see my transactions
It can take up to 12 hours for us to import all your transactions. If they still haven’t appeared after this time, please contact us.
How do I add a new account with a connected financial institution?
We'll automatically connect any new accounts you open with a financial institution you’ve already connected.
How do I delete an account?
Go to More, then Connected accounts, tap the relevant financial institution and then choose which accounts to delete.
We’ll delete all balances and transactions for the account - and, if you delete all accounts from a financial institution, we’ll delete the online banking login details too.
If you want to connect an account again later, you’ll need to delete and then reconnect the financial institution, and you’ll lose any categories you’ve given your transactions.
When are my balances and transactions updated?
Balances and transactions are updated automatically every day for most accounts. Go to More then Connected accounts and tap the relevant financial institution to see when each account was last updated.
What does ‘pending’ mean?
A pending transaction is one that hasn’t been fully processed by the financial institution. Note that the transaction amount is usually deducted from your available funds to ensure you have enough funds to process the transaction.
Why is the transaction date different to the date I made the transaction?
Financial institutions generally take 1-2 business days to process transactions so, for example, a transaction made on Saturday could be processed on the Tuesday. Some banks display the date the transaction was made and others display the date it was processed.
What if I notice a suspicious transaction?
Qantas Money is a read-only app and can’t be used to transfer or withdraw money. If you don’t recognise a transaction, please contact your financial institution immediately.
For suspicious Qantas Premier transactions, please call us immediately on 1300 992 700 anytime, 24 hours a day, 7 days a week.
How do I view my Qantas Points balance?
Tap Points on the home screen to see a breakdown of the points you’ve earned using your Qantas Premier credit card or through the app.
Visit the Qantas website to view your full points activity statement.
Missing Qantas Points?
Your points balance is updated in real time from your Qantas Frequent Flyer profile. If you think you’re missing points, please call us on 1300 992 700, option 3.
How are my transactions categorised?
We automatically categorise your transactions so you can get instant insights into your spending patterns and identify where to save.
If it’s not quite right, you can easily change the category – and what’s more, over time, the app will learn from this for future transactions.
What happens to my categories if I delete an account?
If you delete an account from the app and add it again later, you’ll lose any categories you’ve given your transactions - so why not use the account filter to hide the account instead?
Are my categories applied to past transactions?
Unfortunately, when you change a transaction category, it won’t be applied to past transactions, so you’ll need to do this manually.
Why did my friend get an offer for a specific store and I did not?
My Card Offers are tailored to suit you, so not everyone will receive the same offers.
Why am I not receiving any/many offers?
You need to have linked at least one Australian debit or credit Mastercard card to receive your card offers, and that card must have been used at least once. Even if your card is enrolled and has settled transactions, it could take up to 7 days from the time you enrol your card for your first round of card offers to appear.
What retailers are included in the program?
My Card Offers may include offers from a range of brands from fashion, beauty, home, sport and leisure retailers, however bonus point offers will vary from week to week depending on the requirements of each retailer.
Are offers applicable to both purchases in-store and online?
The terms of the bonus points offer is decided by the retailers on a case-by-case basis. Whether an offer is applicable to in-store only purchases, or for both in-store and online purchases is indicated in the individual offer details.
Why am I receiving offers that don't seem well matched to me?
The offers you receive will be based on your spending history with your linked credit card/s. In some cases, this spend history might indicate that a card offer is well suited to you, when in fact it doesn't interest you. Please feel free to share your feedback through the website so we can continuously improve the service we offer.
How can I check if I have activated an offer?
Your list of offers will be grouped into ‘New’, ‘Active’ and ‘Earned’ tabs. New offers appear in the “New” list, and offers you have activated will appear under “Active”.
What are the terms and conditions of the offers?
Any conditions for an offer will be available by clicking on the 'Important Information' link for the offer you are interested in.
How long will my offers be valid for?
You can find the expiry date in the offer details.
Why can't I see my Card Offers on the Qantas Money website?
As these Card Offers are designed to reward you on the go, they're best suited to view in the Qantas Money app, so you can view them as you shop. If you would like to see them in a web browser please go to mycardoffers.qantasmall.com and log into your Frequent Flyer account and look under My Card Offers.
How can I check if I have successfully earned points on an offer?
Your list of My Card Offers will be grouped into “New”, “Active’ and “Earned” tabs. If the offer of interest appears in the “Earned” tab, the required transaction has successfully been matched and you have qualified for the bonus Qantas Points. Please note there can be a delay of up to 30 days from the date of the transaction until points appear your activity statement.
Why does it take up to 30 days to receive my points?
The transaction may take a few days to go from pending to authorised within the relevant banking systems. We cannot award points for pending transactions as these may change or be cancelled. Please note transactions on public holidays and weekends are not processed by the banks until the following business day.
I activated an offer and believe I made a qualifying purchase, how do I follow up the missing points?
Once an offer has been activated and a qualifying purchase made using your Mastercard card that is linked to your Frequent Flyer account, it normally takes up to 30 days for the points to be credited. If you do not receive your points within this timeframe you can lodge a missing points claim by submitting a Contact Us form.
Can I still earn bonus points if I activate the offer after I make the qualifying transaction?
No, you must activate an offer first in order for our system to match your transaction to an offer and earn points.
What if I forget to use my registered Mastercard card, can I still earn the points?
No, you must use the Mastercard cards that you have linked to your Frequent Flyer account in order for our system to match your transaction to an offer and earn points.
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.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.
Qantas Points earn
You must be a Qantas Frequent Flyer member to be a Primary Cardholder. Qantas Frequent Flyer Membership and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. The Primary Cardholder will earn Qantas Points in accordance with the Qantas Premier Credit Card Rewards Terms and Conditions. For the definition of Eligible Transactions, Qantas Spend, and Earn Rates refer to the Qantas Premier Credit Card Rewards Terms and Conditions.
Complimentary Travel Insurance is issued and managed by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) of Level 38, 225 George Street, Sydney NSW 2000 under a Master Policy with Citigroup Pty Limited ABN: 88 004 325 080 AFSL No 238098 Citigroup Centre 2 Park Street Sydney NSW 2000, the issuer of your card. Exclusions apply: some limits and excess may apply. For full terms and conditions, see the Qantas Premier Credit Card Complimentary Travel Insurance Terms and Conditions.
The Qantas Premier Platinum credit card Primary Cardholder is entitled to a Companion Fare benefit once a year. Flights must be booked through Qantas Premier Concierge and paid in full at the time of booking using the primary cardholder’s Qantas Premier Platinum credit card. Discount applies to selected domestic flights only when two to nine passengers (including the Primary Cardholder) travel together on the same booking number, day and flight(s). For full terms and conditions, see the Qantas Premier Platinum Airline Benefit Terms and Conditions.
The Qantas Premier Platinum credit card Primary Cardholder is 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 Airline Benefit Terms and Conditions. Use of the lounge invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions.
Withdrawal limits & Mastercard locations
Cash withdrawal limits, Fees and charges may apply. For further information on Mastercard locations, terms & conditions and information on the Tap & go feature see www.mastercard.com.
Qantas Money app
The Qantas Money app is owned and operated by Qantas and supported on iOS9+ and Android 6+. 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.
Get Away Interest Free for 6 Months
The first Qantas Purchase on your account within 6 months of card approval will automatically convert to a 0% p.a. interest rate for 6 months from the date the transaction is processed. Any unpaid balance at the end of the 6 month period will revert to the variable annual percentage rate for retail purchases, currently 19.99%p.a. A Qantas Purchase under this Special Promotion is any of the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from qantasstore.com.au, and qantasepiqure.com.au For the avoidance of doubt, purchases through qantasstore.com.au are not Qantas Purchases.