Qantas Premier Everyday Credit Card
Qantas Premier Everyday is an entry-level credit card with a low annual fee that earns 0.75 Qantas Points per $1. Plus, get 0% p.a. for 12 months on balance transfers.
- Signup bonus
- Up to 8,000 bonus Qantas Points, earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases up to 8,000 Points in the first 4 months of becoming a cardholder
- Points Earned
- 0.75 Qantas Points per $1 up to $3,000 per statement period and 0.4 thereafter; 1 Qantas Point per $1 on overseas spend; Plus 1 additional Qantas Point per whole AU $1 equivalent spent on Qantas spend
- Annual fee
- $99 p.a. ongoing
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the Qantas Premier Everyday Mastercard
This entry-level credit card offers a low ongoing annual fee and allows you to earn Qantas Points. You’ll earn 0.75 Qantas Points per $1 on eligible domestic spend (excluding government payments), up to $3,000 per statement period. Also, you’ll pocket one additional Qantas Point per $1 spent on eligible Qantas products and services.
The Qantas Premier Everyday card also includes complimentary travel insurance that mirrors the offering of higher-fee credit cards in the Qantas Premier range.
And if you’re looking to unlock the benefits of Qantas Points Club, the points earned from this credit card can contribute to your on-the-ground spend.
Key Information & How to Apply
Key facts about this card
- Card type
- Mastercard
- Signup bonus
- Up to 8,000 bonus Qantas Points, earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases up to 8,000 Points in the first 4 months of becoming a cardholder
- Annual fee
- $99 p.a. ongoing
- Interest rate
- 19.99% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- The card balance if less than $30, and $30 if greater or 2% of Card Balance or the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged (excluding any interest included in amounts added back below as part of a Fixed Payment Option) for that month, plus any instalment, initial interest charge, or related interest that is part of a Fixed Payment Option for that month.
- Minimum credit limit
- $4000
- Minimum income requirement
- $35,000 p.a.
- 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
- $35,000 p.a.
- 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.
Sign-up bonus
Apply for a Qantas Premier Everyday Mastercard by 29 November 2023 to earn up to 8,000 bonus Qantas Points!
New cardholders can earn two bonus Qantas Points per $1 spent on top of the standard earn rate for eligible purchases made within the first four months of approval, up to a bonus of 8,000 Qantas Points.
Qantas Points are redeemable for Classic Flight Rewards with Qantas and partner airlines, upgrades, products from Qantas Marketplace and more.
For example, you could fly one-way from Melbourne to Sydney in Economy with Qantas for 8,000 Qantas Points, plus around $40 in fees and taxes. Or, save your points to fly one-way from Sydney to Christchurch in Emirates First Class for 64,500 Qantas Points, plus taxes and carrier charges.
Our guide to the most effective ways to redeem Qantas Points will give you some more ideas.
This sign-up bonus is not available to existing cardholders of a Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium card. People who have closed or qualified for bonus Qantas Points on any credit cards within the Qantas Premier range within the last 12 months are also ineligible for the sign-up bonus.
Travel benefits
The Qantas Premier Everyday credit card isn’t as heavy on the travel benefits as the other cards in the range. For instance, this card doesn’t include any complimentary lounge passes or discounts on flights. But it does offer complimentary travel insurance, which is a lucrative inclusion for a card with a low annual fee.
Complimentary travel insurance
The Qantas Premier Everyday credit card includes domestic and international travel insurance underwritten by Chubb.
Eligibility for complimentary travel insurance:
- All eligible travellers’ airfares or cruise tickets must be paid for with your Qantas Premier Everyday credit card.
- Travel must start and end in Australia.
- The Qantas Premier Everyday credit card must be open (which means it is in-force and valid).
- You must be 79 years of age or younger when purchasing your tickets on the Qantas Premier Everyday credit card.
- You must meet the definition of a covered person: you are the primary cardholder; their spouse; and their legally dependent child(ren).
- You must be a Resident of Australia.
To determine if the complimentary travel insurance benefit suits your needs, we encourage you to read the PDS here.
Dedicated concierge service
Qantas Premier Everyday cardholders enjoy access to the Qantas Premier Concierge service. A phone call to the concierge service unlocks assistance with making restaurant reservations, securing tickets to concerts and sporting events, destination information, gift delivery and more.
Earning points
The Qantas Premier Everyday Mastercard earns 0.75 Qantas Points per $1 on Domestic Spend, capped at $3,000 per statement period. Once you’ve reached this monthly cap, you’ll continue to earn points at a rate of 0.4 per $1, uncapped.
Qantas Premier Everyday Mastercard holders receive one additional Qantas Point per $1 spent on Qantas products and services. So if you’re booking Qantas flights, purchasing Qantas Club membership or shopping via the Qantas Rewards Store or Qantas Wine, you’ll earn up to 1.75 Qantas Points per $1.
Cardholders also earn one Qantas Point per $1 equivalent on overseas spend, including with online merchants. However, overseas purchases attract a 3% international transaction fee.
The other two variants of this card have higher earn rates. You could earn 1 Qantas Point per $1 with the Qantas Premier Platinum, or 1.25 Qantas Points per $1 with the Qantas Premier Titanium, both with a cap on points earned per statement period. But do note that these cards come with higher annual fees – $399 and $1,200 respectively.
If you’re looking for an entry-level card with a low annual fee to earn Qantas Points from your everyday spending, then the Qantas Premier Everyday credit card may be suitable for you.
Using a Qantas Points-earning credit card, like the Qantas Premier Everyday Mastercard, can also ensure your Qantas Frequent Flyer account is kept active so your points don’t expire.
Earning points for ATO & government payments
While you can use your Qantas Premier Everyday card to make direct payments to the ATO or other Australian government bodies, you won’t earn any Qantas Points for this.
Instead, you could consider using a payment service like pay.com.au or Sniip to earn points when paying taxes or other bills.
Using Qantas Points
To get the best value out of your Qantas Points, they’re best redeemed for Classic Flight Rewards or flight upgrades. But you can also redeem Qantas Points for hotels, car hire, wine, petrol, gift cards or shopping via Qantas Marketplace.
Qantas Points aren’t just redeemable on Qantas metal, either. You can also redeem Qantas Points to fly with Oneworld carriers like American Airlines, Finnair, British Airways, Malaysia Airlines, Cathay Pacific and more. So you can book experiences like Sri Lankan Airlines A320 Business Class, Iberia A340 Business Class or Qatar Airways Boeing 787 Business Class.
Redemptions can also be made with partner airlines like Emirates, LATAM, China Airlines, Fiji Airways and Jetstar.
Or, you could also put your Qantas Points towards your next holiday by redeeming them for accommodation via Qantas Hotels, Qantas Holidays, car rentals or Qantas Insurance policies.
We’ve covered all the ways you can redeem Qantas Points in the air and on the ground in our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- Earn 0.75 Qantas Points per $1 on Domestic Spend, up to $3,000 per statement period
- Low ongoing annual fee
- Complimentary travel insurance
- 0% p.a. for 12 months on balance transfers
- Earn one additional Qantas Point per $1 spent on selected Qantas products and services, including flights and Qantas Club membership
- Low minimum income requirement compared to other card variants
Cons
- No complimentary lounge passes
- International transaction fees apply
- Points are only earned at the full rate up to the first $3,000 spent domestically each month
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your closing statement in full each month)
- Signup bonus
- Up to 8,000 bonus Qantas Points, earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases up to 8,000 Points in the first 4 months of becoming a cardholder
- Points Earned
- 0.75 Qantas Points per $1 up to $3,000 per statement period and 0.4 thereafter; 1 Qantas Point per $1 on overseas spend; Plus 1 additional Qantas Point per whole AU $1 equivalent spent on Qantas spend
- Annual fee
- $99 p.a. ongoing
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 Premier Everyday Mastercard, you would need to be at least 18 years of age and an Australian citizen, resident or long-term visa holder. You must also provide an Australian mobile number and residential address. A gross household income of at least $35,000 per year is required. The applicant must also be a member of the Qantas Frequent Flyer program. Other criteria may apply.
The minimum credit limit is $4,000.
The minimum income requirement is $35,000.
The Qantas Premier Everyday Mastercard does not include complimentary lounge access. But if you’re looking for a Qantas credit card that includes access to airport lounges, you may want to consider the Qantas Premier Platinum or Qantas Premier Titanium.
Yes, but you will not earn any Qantas Points from direct payments to the ATO or other government bodies. However, you can earn points by using a bill payment service to pay bills or taxes.
Qantas Points expire after 18 months of account inactivity. To prevent your Qantas Points from expiring, you could consider a Qantas Points-earning credit card like the Qantas Premier Everyday to ensure your account is kept active.
No, you cannot earn status credits with the Qantas Premier Everyday credit card. But you can use the card to book and pay for Qantas flights and earn status credits from those flights.
Yes, the Qantas Premier Everyday card supports Apple Pay and Google Pay. So by adding your credit card to your digital wallet, you’ll be able to make contactless payments online or in-store without the need for a physical card.
Yes, the Qantas Premier Everyday allows up to four additional cardholders with a fee of $25 for each additional cardholder. Each individual must be an Australian resident aged 16 years of age or older and be a Qantas Frequent Flyer member at the time of application. All Qantas Points earned by additional cardholders will be credited to the primary cardholder.