based on 25 Qantas Money banking product reviews as rated by Mozo community

Qantas Money credit cards

If you’re a globetrotter who loves stacking up frequent flyer points, then you’ll be excited to learn that Qantas now has its own branded credit card option, dubbed the Premier Mastercard. With plenty of travel rewards on offer, this piece of plastic from Qantas Money is definitely worth a look. In fact, in 2020 this provider took home two 2020 Mozo Expert Choice Awards for Rewards Credit Cards. 

What are the benefits of the Qantas Premier Mastercard?

Rates and fees verified as correct at 20 September, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

55

Rewards credit cards

Love racking up a stack of rewards points with your credit card spend? The Premier Mastercard not only comes with a great points earn rate, but also a tonne of other freebies and a generous bonus points offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $225 in the first year

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

Prestige cards

Add a little bit of luxury to your spend, with the complimentary travel insurance, 24/7 concierge service, and two free annual airport lounge invitations on offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $225 in the first year

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

Frequent flyer credit cards

As the very first credit card offering directly from Qantas, the Premier Mastercard is built for frequent flyers. Your points earn will go directly to your frequent flyer account, plus cardholders will enjoy heaps of other travel perks, like exclusive discounts on flights.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $225 in the first year

1.25 points per dollar on Mastercard, up to $12,500 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$1,200

Frequently Asked Questions about Qantas Money credit cards

What is the interest free period?

You’ll have up to 55 interest free days to pay off purchases made on your new Qantas credit card. Just remember, you’ll only get these days if you pay your balance off in full the previous month.

What fees might I be charged?

First things first, there’s an annual fee to contend with. Other fees you may run up against include late payment fees, cash advance fees and a fee for adding an additional card to your account.

What’s the minimum repayment amount I must make?

You’ll need to make a minimum repayment each month and the amount will be listed on your credit card bill. With Qantas Money, this will be either $30 or 2% of your total balance, whichever is greater.

What rewards will I earn?

Where do we start? There are a bunch of rewards points up for grab when you spend with your Qantas card, plus a generous bonus point offer.

You can also snag freebies like a concierge service to help you book things like event or flight tickets, complimentary travel insurance and two free airport lounge passes annually.

Can I use this card for a balance transfer?

Absolutely! You can take advantage of the balance transfer offer on the Premier Mastercard to pay off any lingering credit card debt without getting slugged by any interest.

The important thing is to have a plan in place for paying off your entire balance before the 0% interest period is up - otherwise, any remaining debt will start to attract interest at the higher cash advance rate.

Will my Premier Mastercard work anywhere in the world?

Yep. As a Mastercard option, your new Qantas credit card will work pretty much anywhere in the world.

Can I use PayPass with my Qantas Money credit card?

Sure can. For purchases under $100, you can tap ‘n’ go, making your day that much easier.

How are Qantas Money credit cards rated?

Mozo users have rated Qantas Money credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Qantas Money credit cards
Overall
Price
Features
Customer service
Convenience
Trust

25 Reviews

Recent Qantas Money credit card reviews

Qantas Money Qantas Premier Titanium
Overall 1/10
Awful Customer Service. Very Expensive Fees.

This card has high fees - which I understood when I joined. The interest rate is also huge which is why I avoid using it for credit. It has very good points earning potential however. I have had the Titanium card for 3 years and I will be getting rid of it due to dissatisfaction. Two issues (1) when you use it overseas (in UK in my case) it often prompts for a signature instead of a PIN - which is something that no one has done in Europe for many years. Most merchants (anyone under 40 years old) respond assuming the card has been declined. This experience is common and its just too much of a hassle to use in many places - So I generally use another card overseas. (2) The Australian customer service if you ever need it is just appalling, I have had two issues - one was a card fraud issue, the other was getting legitimate cancelled pending merchant charges removed. In both cases the overseas call centre staff were difficult to communicate with and fairly aggressive/argumentative. Also you had to speak to 3 or 4 different people who need to separately identify you and then give you inconsistent and incorrect information. After three years I decided that I don't need to spend $1200/year for this kind of bad treatment as a customer.

Read full review

This card has high fees - which I understood when I joined. The interest rate is also huge which is why I avoid using it for credit. It has very good points earning potential however. I have had the Titanium card for 3 years and I will be getting rid of it due to dissatisfaction. Two issues (1) when you use it overseas (in UK in my case) it often prompts for a signature instead of a PIN - which is something that no one has done in Europe for many years. Most merchants (anyone under 40 years old) respond assuming the card has been declined. This experience is common and its just too much of a hassle to use in many places - So I generally use another card overseas. (2) The Australian customer service if you ever need it is just appalling, I have had two issues - one was a card fraud issue, the other was getting legitimate cancelled pending merchant charges removed. In both cases the overseas call centre staff were difficult to communicate with and fairly aggressive/argumentative. Also you had to speak to 3 or 4 different people who need to separately identify you and then give you inconsistent and incorrect information. After three years I decided that I don't need to spend $1200/year for this kind of bad treatment as a customer.

Price
2/10
Features
5/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Stephen, New South Wales, reviewed about 1 month ago
Qantas Money Credit Card
Overall 1/10
Unless you keep on them, money will be lost!

After using Qantas Money Card since 2016 successfully, I have just spent hours and hours over the last 3 months because an amount I put on, was not credited to my card. In the end, I have had a successful outcome but it was only because the Airline Advocate staff stepped in. They were recommended to me by Consumer Affairs and I have to say they were excellent. I finally had a person who listened to me and helped me have my money returned. The initial phone calls (unanswered, left on hold for 3 hours and still not answered), emails that went around in circles asking for information I had already provided, was just woeful. I can not trust Qantas Money any more. It was a highly stressful experience.

Read full review

After using Qantas Money Card since 2016 successfully, I have just spent hours and hours over the last 3 months because an amount I put on, was not credited to my card. In the end, I have had a successful outcome but it was only because the Airline Advocate staff stepped in. They were recommended to me by Consumer Affairs and I have to say they were excellent. I finally had a person who listened to me and helped me have my money returned. The initial phone calls (unanswered, left on hold for 3 hours and still not answered), emails that went around in circles asking for information I had already provided, was just woeful. I can not trust Qantas Money any more. It was a highly stressful experience.

Features
4/10
Customer service
2/10
Convenience
1/10
Trust
1/10
Less
Jill, South Australia, reviewed about 2 months ago
Qantas Money Qantas Premier Platinum
Overall 1/10
A total rort

The points earn rate looks good on paper until you realise that every spend they can't figure out and characterise properly is deemed eligible. It's an absolute rort. And also, in this day and age to have a cc that doesn't support Apple/Samsung/Google Pay is a joke.

Read full review

The points earn rate looks good on paper until you realise that every spend they can't figure out and characterise properly is deemed eligible. It's an absolute rort. And also, in this day and age to have a cc that doesn't support Apple/Samsung/Google Pay is a joke.

Price
3/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
C, New South Wales, reviewed 3 months ago
Qantas Money Credit Card
Overall 1/10
Terrible!

Do not get this card! I didn't get my card till 22 days after it had been approved and was not awarded the bonus points after the 90 day period, due to being 22 days behind physically able to use the card. They base the spend requirement on monthly statements that do not reflect all the transactions of that period. Terrible customer service, spoken with four separate people over a month, all of whom have no record of previous calls of alternative compensation offers. They will backtrack on any offers they present.

Read full review

Do not get this card! I didn't get my card till 22 days after it had been approved and was not awarded the bonus points after the 90 day period, due to being 22 days behind physically able to use the card. They base the spend requirement on monthly statements that do not reflect all the transactions of that period. Terrible customer service, spoken with four separate people over a month, all of whom have no record of previous calls of alternative compensation offers. They will backtrack on any offers they present.

Price
2/10
Features
2/10
Customer service
1/10
Less
Alistair, Western Australia, reviewed 5 months ago
Qantas Money Credit Card
Overall 7/10
Great rewards but stores would be good.

I like them because of the Qantas Frequent Flyer points. I would prefer they had a physical branch - it is difficult sometimes to speak to them over the phone.

Read full review

I like them because of the Qantas Frequent Flyer points. I would prefer they had a physical branch - it is difficult sometimes to speak to them over the phone.

Price
7/10
Features
5/10
Customer service
9/10
Convenience
6/10
Trust
10/10
Less
Hayden, Victoria, reviewed 6 months ago

What do you need to apply for a Qantas Money credit card?

Like most credit cards, to apply for a Qantas Money piece of plastic, you’ll need to be over 18 and a permanent resident of Australia. You’ll also need some documents to apply, including:

  • I.D., such as a driver's licence or passport
  • Your employer's details (address and contact number)
  • If self employed, contact details for your accountant
  • Details of your income, assets and debts

You’ll also need to be a member of the Qantas Frequent Flyer program - but don’t worry, membership is free for cardholders.

Check out our handy guide for more information on applying for a credit card.

Credit card quick links