Top Options for a Credit Card with Qantas Points

If you are looking for a credit card with Qantas points, you have come to the right place to understand how to maximize your travel rewards.

A credit card with Qantas points is an excellent tool for any traveller. This is because it allows you to accumulate points in the Qantas Frequent Flyer program with your daily spending.

Many people wonder which is the best credit card with Qantas points for their needs, since the market offers options with different bonuses, annual fees, and limits, and today we will analyse all the main market alternatives. Let’s go!.

How a Credit Card with Qantas Points Works

Credit card operations that accumulate Qantas Frequent Flyer points are offered in Australia by Qantas Money, the financial brand of the airline itself. The issuer and credit provider is the National Australia Bank (NAB), and the products are aimed at Australian residents aged 18 and over.

Qantas Money currently offers three main cards, all on the Mastercard network, which differ significantly in terms of annual fees, income requirements, and points earning capacity. Understanding these differences is the first step in choosing the ideal credit card with Qantas points.

The Qantas Money Credit Card with Qantas Points Options

When looking for the perfect credit card with Qantas points, you will find three levels of benefits and costs: Everyday, Platinum, and Titanium.

Each one was designed for a specific spending and income profile, offering different ways to accumulate Qantas points. Let’s look at all of them.

1. Qantas Money Everyday

This is the entry-level card, with the lowest annual fee, making it a good option for those starting to accumulate Qantas points with a moderate spending pattern. Its advantages are:

• Sign-up Bonus: Offers a bonus of 8,000 Qantas points when spending AU$ 3,000 on eligible purchases within the first 90 days.
• Points Earning: You earn 1 point per AU$ 1 on international expenses and 0.75 points per AU$ 1 on domestic expenses, up to a limit of AU$ 3,000 per billing cycle (after which it drops to 0.4 points per AU$ 1). Additionally, you receive 1 extra point per AU$ 1 on Qantas purchases.
• Annual Fee and Rates: The annual fee is AU$ 99, debited after the first use and on each anniversary. The interest rate for purchases is 20.99% p.a.
• Additional Benefits: Includes complimentary travel insurance and the possibility of balance transfer with a 0% p.a. rate for 12 months (charging 3% on the transferred amount).

2. Qantas Money Platinum

The Platinum card is for more frequent travellers, offering a substantially larger points bonus and premium travel benefits. This credit card with Qantas points offers these advantages:

• Sign-up Bonus: A bonus of up to 100,000 points. That’s 60,000 points when spending AU$ 5,000 in 90 days, plus an additional 40,000 points if you have not received points from other Qantas credit cards in the last 24 months.
• Points Earning: The accumulation is fast: 1.5 points per AU$ 1 spent internationally and 1 point per AU$ 1 on domestic purchases, up to a limit of AU$ 10,000 per cycle. You also receive 1 extra point per AU$ 1 on Qantas purchases.
• Annual Fee and Rates: The standard annual fee is AU$ 399, with a promotion of AU$ 349 in the first year. Supplementary cards cost AU$ 50 each.

3. Qantas Money Titanium

The Titanium is the premium and most prestigious option, with the highest potential for points accumulation and luxury benefits, requiring the highest annual income.

Therefore, it is the credit card with Qantas points for those seeking the maximum in advantages. It offers:

• Sign-up Bonus: The largest bonus, receiving 150,000 points when spending AU$ 5,000 in 90 days.
• Points Earning: 2 points per AU$ 1 on international spending and 1.25 points per AU$ 1 on domestic spending, up to a limit of AU$ 12,500 per cycle. You still earn 2 extra points per AU$ 1 on Qantas purchases.
• Annual Fee and Rates: The annual fee is AU$ 1,200, reflecting the premium level of benefits.

Furthermore, you receive 20% status credit bonus on Qantas trips paid in full with the card. In addition to a 10% discount on the base fare of flights (up to 2 times per year). It also includes 4 lounge invitations (2 Qantas First and 2 Business) per year.

Comparative Table of Qantas Points Credit Cards

Below, we present a summary of the most relevant data to help you directly compare which credit card with Qantas points best suits your financial and travel profile.

Card	Recommended Minimum Annual Income	Annual Fee (Standard)	Sign-up Bonus (Max Potential)	Domestic Points (AU$ 1)	Accelerated Spending Limit (Domestic)	Lounge Invitations (Annual)
Qantas Money Everyday	AU$ 35,000	AU$ 99	8,000 Points	0.75 Point	AU$ 3,000/cycle	None
Qantas Money Platinum	AU$ 35,000	AU$ 399	100,000 Points	1 Point	AU$ 10,000/cycle	2 (Qantas Lounges)
Qantas Money Titanium	AU$ 200,000	AU$ 1,200	150,000 Points	1.25 Points	AU$ 12,500/cycle	4 (2 First + 2 Business)

Step-by-Step to Apply for a Credit Card with Qantas Points

To obtain any credit card with Qantas points from Qantas Money, you need to meet basic eligibility criteria and go through a standard application process. Approval depends on the credit assessment carried out by NAB.

Before applying, confirm that you meet these points:

• Minimum Age and Residency: Must be at least 18 years old and be an Australian tax resident.
• Income: Your annual income must be equal to or higher than the minimum recommended amount for the chosen card (AU$ 35,000 for Everyday/Platinum or AU$ 200,000 for Titanium).

The process is entirely online on the Qantas Money website, and the credit analysis is carried out by the National Australia Bank.

1. Choose the Card: Evaluate your spending and income and select between Everyday, Platinum, or Titanium.
2. Verify Requirements: Confirm the requirements for age, residency, income, and Qantas Frequent Flyer membership.
3. Documentation: Prepare your identification documents (passport or Australian document), proof of income (pay slips, bank statements, or income tax return), and contact details.
4. Complete the Form: Access the Qantas Money website, click on Apply now for the desired card, and fill in the sections on personal data, address, employment, annual income, and your Qantas Frequent Flyer number.
5. Analysis and Approval: After submission, NAB will carry out the credit analysis. If approved, the card is sent by mail.
6. Activation: The card must be activated via the Qantas Money Credit Cards app or the telephone service indicated in the welcome kit.

Conclusion

We analyzed the three main options for a credit card with Qantas points from Qantas Money.

Highlighting their sign-up bonuses, points earning rates, annual fees, and exclusive travel benefits.

Thus, it is clear that although all offer the valuable accumulation of Qantas points, they cater to very distinct income and traveller profiles.

It is important to weigh whether the travel benefits, such as lounges and flight discounts, outweigh the annual fees, which can be quite high, especially for the Titanium card.

Furthermore, interest rates on purchases and cash advances are high on all cards.

Ultimately, the choice should be a detailed analysis. See if the points and benefits are worth the annual cost to determine if it really pays off.If you are still undecided on whether this is the right card for you, we recommend that you look at a compare credit cards Australia where you will see the best cards on the market.