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Qantas American Express Discovery Card
For a simple, $0 Annual Fee credit card that earns uncapped Qantas points, look no further than the Qantas American Express Discovery card!
- Points Earned
- 0.75 Qantas Points per $1 spent on eligible purchases; 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia; 0.5 Qantas Points per $1 spent at government bodies in Australia; No cap on earn rate
- Annual fee
- $0 p.a.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the Qantas American Express Discovery Card
If you’re looking for a simple, $0 Annual Fee American Express (Amex) credit card that earns Qantas Frequent Flyer points, look no further than the Qantas American Express Discovery card!
With this credit card, you’ll earn 0.75 Qantas points per $1 spent on everyday purchases with no points capping. You’ll also earn an extra 1 Qantas point per dollar spent with Qantas.
This no-frills credit card doesn’t include the extra features of other Qantas American Express credit cards such as lounge invitations, travel insurance and travel credits. You may also be able to get a better sign-up bonus with other cards.
But with $0 Annual Fee, Qantas Amex Discovery could be a great credit card for someone who just wants to earn Qantas points and plans to spend a moderate amount on the card.
Key Information & How to Apply
Key facts about this card
- Card type
- American Express
- Annual fee
- $0 p.a.
- Interest rate
- 23.99% p.a.
- Interest-free days
- Up to 44 days
- Minimum monthly repayment
- 2.5% of the balance or $30, whichever is greater
- Minimum credit limit
- $2000
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Earning points
With a Qantas American Express Discovery card, you’ll earn 0.75 Qantas Frequent Flyer points per $1 spent on eligible transactions (excluding government payments).
You’ll earn a bonus point per dollar (i.e. 1.75 Qantas points per $1 spent) when purchasing eligible Qantas products or services with your card.
There is no monthly or annual point-earning cap. You can earn an unlimited number of points at the full rate.
Of course, any points earned on this credit card will also count towards Qantas Points Club membership!
Points earned from this card will be deposited into your Qantas Frequent Flyer account after the end of each monthly statement cycle. Qantas points expire if there is no activity in your Qantas Frequent Flyer account for 18 months, but if you’re earning points each month this will keep your account active.
Earning points for ATO & government payments
Payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia with your Qantas American Express Discovery card will earn points at a reduced rate of 0.5 Qantas points per $1.
However, you can use a payment service such as pay.com.au or Sniip to pay tax and other bills with this card, and still earn points at the full rate.
Using Qantas Frequent Flyer points
You can use your Qantas Frequent Flyer points towards a wide range of rewards including reward flights, upgrades, wine, hotel bookings, car rentals, Qantas Rewards Store purchases and even Classic Rail Rewards.
Arguably, the best value uses of Qantas points are on Classic Upgrade Rewards and Classic Flight Rewards. You can request an upgrade with Qantas points on any Qantas operated and marketed flight, or book a Classic Flight Reward seat with Qantas or any of its many partner airlines.
Qantas Classic Flight Rewards start at 6,400 Qantas points + taxes & carrier charges for flights in Jetstar Economy Class, or 8,000 Qantas points + taxes & carrier charges for a Qantas Economy Class flight of up to 600 miles (e.g. on the Brisbane-Mackay route). Qantas Business Class reward seats start from 18,400 Qantas points + taxes & carrier charges (e.g. for a Melbourne-Sydney flight).
In addition to redeeming on Qantas and Jetstar flights, you can use Qantas points to book Classic Flight Reward seats on any Qantas Frequent Flyer partner airline, including all Oneworld members.
You can check the number of Qantas points needed on any route for an upgrade or reward flight on the Qantas website.
Classic Flight Reward bookings can be excellent value – especially if you’re booking a seat in Premium Economy, Business or First Class. However, beware that reward seat availability is limited. It can be difficult to find seats on popular routes and peak travel dates, especially if you’re looking for multiple seats.
When redeeming Qantas points for a Classic Flight Reward redemption, you’ll need to pay any applicable taxes & carrier charges in addition to the points. On some airlines, such as Emirates, these carrier charges can be quite expensive. However, other Qantas partner airlines have relatively low or no carrier charges including Fiji Airways, American Airlines, Alaska Airlines, LATAM Airlines, China Airlines and Air New Zealand.
See our guide to redeeming Qantas points effectively for more information on using Qantas points.
Sign-up bonus
There is currently no sign-up bonus available on this card.
If you would like an American Express credit card that offers bonus Qantas points when you apply, you may wish to consider the Qantas Amex Premium or Qantas Amex Ultimate products.
Note that American Express does not generally award sign-up bonus points to customers who already have an Amex card or have held one in the past 18 months. Therefore, be aware that signing up for this card may exclude you from accessing sign-up bonus point offers on other Amex credit cards in the short term. However, American Express does from time to time offer bonus points to card members who upgrade to a different card on an invitation-only basis.
Card Purchase & Refund Cover
The Qantas American Express Discovery card does not offer complimentary travel insurance.
However, you can benefit from complimentary Card Purchase Cover which covers stolen or damaged items purchased using your card. There’s also Card Refund Cover, which covers the cost of eligible items purchased with your card if a store refuses a return.
You can read the full card insurance PDS here.
Of course, you can also access American Express’ Fraud Protection Guarantee, emergency card replacement and choose pay off your card using Plan It instalments.
Summary
Pros
- $0 Annual Fee
- Earn Qantas points with no monthly or annual earning cap
- Earn bonus points on Qantas purchases
- Lower minimum income requirement compared to other Qantas American Express cards
- Card Purchase Cover & Card Refund Cover
- Compatible with Apple Pay, Google Pay & Samsung Pay
Cons
- Earns Qantas points at a lower rate than other Qantas American Express credit cards
- International transaction fees apply
- American Express cards are not as widely accepted as Visa & Mastercard
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)
- By earning Qantas points rather than Amex Membership Rewards points, you forfeit the flexibility to transfer points to other frequent flyer programs
- Points Earned
- 0.75 Qantas Points per $1 spent on eligible purchases; 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia; 0.5 Qantas Points per $1 spent at government bodies in Australia; No cap on earn rate
- Annual fee
- $0 p.a.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for a Qantas Amex Discovery card, you would need to be an Australian citizen, resident or long-term visa holder. Other criteria may apply.
The minimum credit limit is $2,000.
No. To receive airport lounge passes, you may wish to consider a different credit card which comes with an annual fee.
Yes, but payments to government bodies including the Australian Tax Office (ATO) will earn points at a reduced rate of 0.5 Qantas points per dollar (instead of the usual 0.75 points per dollar). You can still earn full points on ATO payments by using a bill payment service such as Sniip or pay.com.au.
Qantas Frequent Flyer points only expire if you do not earn or redeem any points at all for 18 months. As long as your Qantas account remains active, your points will remain valid and available to use. Regularly using your Qantas points credit card is an easy way that you can keep your Qantas Frequent Flyer account active.
This card does not offer Qantas status credits as a standard benefit. However, you can of course use your card to purchase Qantas flights and earn status credits for those flights. You’ll also earn bonus points when buying Qantas tickets with your Qantas Amex Discovery card. Plus, the Qantas points earned on this card will all count towards Qantas Points Club membership which allows you to earn status credits on Qantas-marketed Classic Flight Rewards.
Yes, this card supports Apple Pay, Google Pay and Samsung Pay. So, you can still use this card to make purchases when you’re out and about without carrying the physical card.
Yes, up to four additional card members are allowed with the Qantas Amex Discovery card at no extra cost. Additional cardholders must be at least 16 years old.