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Qantas Frequent Flyer Terms and Conditions

Qantas Money Home Loans

Important Documents

Qantas Money Credit Cards

Terms and Conditions

Qantas Money Platinum

Qantas Money Platinum Credit Card Airline Benefit Terms and Conditions

Qantas Money Titanium

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Qantas Pay

Qantas Travel Money

Qantas Travel Money Product Disclosure Statement & Terms and Conditions – requested prior to 21 May 2024

Important Information

Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

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.

You must be a Qantas Frequent Flyer member to earn points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.

Qantas Pay is issued by EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD). Conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. This product is only available to Australian residents who are Qantas Frequent Flyer members. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. Please refer to qantas.com/terms for a copy.

* All lending interest rates are for new loans only and may differ for existing loans. Rates are subject to change. Fees and charges may be applicable and can be found on the Rates and Fees page online.

^ Important information about comparison rates: the comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: the comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. All interest rates are subject to change without notice. Fees and charges can be found on the Rates and Fees page.

~ Offer commenced 21 May 2026. To be eligible for the $0 upfront fee offer, Qantas Frequent Flyer members must submit their Qantas Money Home Loans application valued $500,000 and above by 30 June 2026, 11:59pm (AEST) and settle by 30 December 2026, 11:59pm (AEST). Only eligible for new loans submitted via the Qantas Money Home Loans website where the security (property) is not already mortgaged with Qantas Money Home Loans.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.

Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases exclude money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. We may amend these exclusions from time to time by notifying you in writing. You do not earn Qantas Points when loading Australian Dollars, on transfers between your existing foreign currency balances, on transfers between cards, when withdrawing funds at ATMs or when transferring funds to an external bank account. Purchases with government related bodies or that are reversed, refunded or charged-back are also ineligible for Qantas Points earn. Earn Rates: You will earn 1 Qantas Point per AU$1 equivalent loaded directly in foreign currency and when transferring Australian Dollars to foreign currency, and 1 Qantas Point per AU$1 equivalent on foreign currency spend. You will earn 1 Qantas Point for every AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Pay Daily Rate as defined in the PDS, and may vary daily. Points on Domestic and International spend or Qantas Spend will be awarded as separate transactions at each month's statement period. Points on foreign currency load will be awarded after each transaction. Please allow up to 30 days for points to be credited to your account.
Earn rate for the Qantas Money 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. 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.
The standard annual fee, currently $99, 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.
Earn rate for the Qantas Money 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. 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.
Offer commenced 8 September 2025. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
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.
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.
Offer commenced 01 May 2025. To be eligible for 8,000 bonus Qantas Points, you must apply for a new Qantas Money Everyday Card before the offer is withdrawn. 8,000 bonus Qantas Points will be awarded when $3,000 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. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. 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. 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.
Offer commenced 5 March 2026. To be eligible for up to 120,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Credit Card before the offer is withdrawn. 80,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from 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. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 80,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. The 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.
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.
To earn bonus Qantas Points, cumulatively load or transfer a minimum AU$2,000 equivalent of foreign currency to your account between 12:01AM (AEST) on 7 May 2026 and 11:59PM (AEST) on 3 June 2026 (“Promotion Period”). Limit of 5,000 bonus Qantas Points. The offer is only available for loading foreign currency directly to your account or transferring Australian dollars into foreign currency. It does not apply to transfers from one foreign currency to another foreign currency, transfers to another Qantas Pay card, or funds transferred back to Australian dollars. The Qantas Points will be credited to your account six to eight weeks after the Promotion Period ends. Payments for load transactions using BPAY® or Bank Transfer will take additional time to settle and be eligible if funds clear within 3 business days. This offer may be extended or withdrawn at any time and prior notice will be given where reasonable to do so. The earning of Qantas Points is subject to the Qantas Frequent Flyer program Terms and Conditions.
Eligible Entrants must register for the competition and then load foreign currency onto an activated Qantas Pay card or account, or sign up as a new Qantas Pay customer during the Promotion Period. Entries: Eligible Entrants will receive: (a) Ten (10) entries for signing up to Qantas Pay and loading AU$100 or equivalent in foreign currency (new customers to apply and successfully join only); and/or (b) One (1) entry per AU$100 equivalent of foreign currency loaded (either directly from an external bank account or when transferring Australian Dollars to foreign currency) during the Promotional Period. Maximum of 100 entries per Eligible Entrant. Promoter: Qantas Airways Limited. Promotion Period: 12:01 AM (AEST) 14 April 2026 - 11:59 PM (AEST) on 3 June 2026. Eligible Entrants: Australian residents, 18 years of age or older. Prize draw: 10:00 AM (AEST) on Wednesday 10 June 2026 at MDSA, Level 16, 1 Denison Street, North Sydney NSW 2060]. Authorised under permit numbers: NSW Permit No: NTP/16182, ACT Permit No: TP26/0511, & SA Licence No. T26/373. View full terms and conditions at qantasmoney.com/qantas-pay/competition-2026/terms. Qantas Pay is issued by EML Payment Solutions Limited (‘EML’) ABN 30 131 436 532, AFSL 404131. Consider the PDS, FSG and TMD available at qantasmoney.com before making a decision.
To earn bonus Qantas Points, cumulatively load or transfer a minimum AU$2,000 equivalent of foreign currency to your account between 12:01AM (AEST) on 7 May 2026 and 11:59PM (AEST) on 3 June 2026 (“Promotion Period”). Limit of 5,000 bonus Qantas Points. The offer is only available for loading foreign currency directly to your account or transferring Australian dollars into foreign currency. It does not apply to transfers from one foreign currency to another foreign currency, transfers to another Qantas Pay card, or funds transferred back to Australian dollars. The Qantas Points will be credited to your account six to eight weeks after the Promotion Period ends. Payments for load transactions using BPAY® or Bank Transfer will take additional time to settle and be eligible if funds clear within 3 business days. This offer may be extended or withdrawn at any time and prior notice will be given where reasonable to do so. The earning of Qantas Points is subject to the Qantas Frequent Flyer program Terms and Conditions.