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Target Market Determinations

Qantas Money Home Loans

Qantas Home Loans target market determination
	Effective date
Current - for Atlas Home Loans, funded by ColCap Financial: Qantas Money Atlas Home Loan - Fixed Rate Target Market Determination Qantas Money Atlas Home Loan - Variable Rate Target Market Determination	Loans approved on or after 13 October 2026
Current - for Basic and Offset Home Loans, funded by Bendigo Bank: Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved on or after 17 October 2025
Historic: Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved between 26 May 2025 to 16 October 2025
Historic: Owner Occupied Home Loan Interest Only - Fixed Rate Owner Occupied Home Loan Interest Only - Variable Rate Owner Occupied Home Loan Principal and Interest - Fixed Rate Owner Occupied Home Loan Principal and Interest - Variable Rate Residential Investment Loan Interest Only - Fixed Rate Residential Investment Loan Interest Only - Variable Rate Residential Investment Loan Principal and Interest - Fixed Rate Residential Investment Loan Principal and Interest - Variable Rate	14 November 2023 - loans approved prior to 26 May 2025

Qantas Money Credit Cards

Qantas Money Everyday

Qantas Money Everyday target market determinations
	Effective date
Current: Qantas Money Everyday Target Market Determination	28 July 2026
Historic: Qantas Money Everyday Target Market Determination	8 September 2025
Historic: Qantas Premier Everyday Target Market Determination	14 July 2025
Historic: Qantas Premier Everyday Target Market Determination	5 November 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2024
Historic: Qantas Premier Everyday Target Market Determination	11 April 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2023
Historic: Qantas Premier Everyday Target Market Determination	1 June 2022
Historic: Qantas Premier Everyday Target Market Determination	5 October 2021

Qantas Money Platinum

Qantas Money Platinum target market determination
	Effective date
Current: Qantas Money Platinum Target Market Determination	28 July 2026
Historic: Qantas Money Platinum Target Market Determination	8 September 2025
Historic: Qantas Premier Platinum Target Market Determination	14 July 2025
Historic: Qantas Premier Platinum Target Market Determination	5 November 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2022
Historic: Qantas Premier Platinum Target Market Determination	5 October 2021

Qantas Money Titanium

Qantas Premier Titanium target market determinations
	Effective date
Current: Qantas Money Titanium Target Market Determination	28 July 2026
Historic: Qantas Money Titanium Target Market Determination	8 September 2025
Historic: Qantas Premier Titanium Target Market Determination	14 July 2025
Historic: Qantas Premier Titanium Target Market Determination	5 November 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2023
Historic: Qantas Premier Titanium Target Market Determination	1 June 2022
Historic: Qantas Premier Titanium Target Market Determination	5 October 2021

Qantas Pay

Qantas Travel Money target market determinations
	Effective date
Qantas Pay Target Market Determination	21 May 2024