JennyMG, only get the QTMC/former name QCC if you have got no other choices.
If you have other choices, ie, you already have card/s approved and are already in use, use those.
The QTMC (new name) is really only good for people who have been burned by debt in the past, or those who do work or have income sources, that other card issuers will not deal with, or will need more indepth navel gazing info.
If you, (for eg), have a low income from wages, but a lot from say, rental or investment income, and don't want to get into debt, then the QTMC is a choice.
In Aust, which you say you will most likely not use it for, its a very low earn, 0.33points per $1 earn.
Overseas, its quite good.
BUT, a lot of hotels will want a deposit/preauthorisation, of $100 or $150, and this can tie up your QTMC balance for days, before they refund, or if they refund it back to you.
There are some threads on TripAdvisor, that people wait days/weeks before a deposit/preauthorisation is refunded, and even on here, its said best not to use QTMC for hotels, or if you must, use another card for the deposit/preauthorisation, and then the QTMC for the final payment.
In Japan though, they are a cash based economy, to what I have read, and a lot of the smaller places only accept cash, though of course you could pay the final outstanding hotel bills, (larger hotels, I guess), with a QTMC.
You will also need to give them a copy of some id, passport or drivers licence to be able to put in a larger amount in the card, ((or was that only the VGWcard..., one of them anyway)).
You could get the BankWest mastercard debit, linked to QFF which will also earn you points, which is a debit card, so annual fees, and if you put in more than Au$2000 a month, you will not pay any monthly fees.
I think the earn rate for QFFpoints on the BW Mastercard debit is a bit better, as you earn points for having a balance with the card, which is good for money sitting in it, while/whereas QTMC you don't earn any interest for any plus funds in the account.
Edit: that Citibank Plus account does not earn QFF points, does it?
**One last one**, (I do realise your question has been answered, JennyMG), if you can, there is always ING who will refund you any foreign transaction fee (don't know about ATM withdrawal, never used that side, always tap and go in NZ), and the foreign transaction fee is always given back, no QFFpoints, and still have to deposit Au$1000 a month.