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Qantas Premier Titanium Credit Card
Enjoy two complimentary Qantas First Lounge invitations each year, a generous earn rate of 1.25 Qantas Points per $1 and 20% bonus Status Credits on flights with the Qantas Premier Titanium credit card.
- Signup bonus
- 150,000 Qantas Points, when you spend $5,000 on eligible purchases in the first 90 days from approval
- Points Earned
- 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter; 2 Qantas Points per whole AU$1 equivalent on international spend (uncapped); 2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped)
- Annual fee
- $1200 p.a.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Why we like the Qantas Premier Titanium card
The Qantas Premier Titanium is one of the highest direct Qantas Points-earning credit cards in Australia. You’ll earn 1.25 Qantas Points per $1 on eligible domestic spend (excluding government payments), up to $12,500 per statement period. Also, you’ll earn 2 additional Qantas Points per $1 spent on eligible Qantas products and services, with no cap.
The card includes two complimentary Qantas First Class lounge invitations per cardholder year. You’ll also receive two Qantas Club or Qantas-operated international Business Lounge invitations per cardholder year. Additionally, cardholders can enjoy a range of travel benefits including a 10% discount on select Qantas domestic and international flights, 20% additional Status Credits on eligible Qantas flights, plus 2 Qantas Points per whole $1 equivalent on international spend, with no cap.
Also, the card’s generous points-earning rate can boost your balance from on-the-ground spending and may help you achieve Qantas Points Club.
Key Information & How to Apply
Key facts about this card
- Card type
- Mastercard
- Signup bonus
- 150,000 Qantas Points, when you spend $5,000 on eligible purchases in the first 90 days from approval
- Annual fee
- $1200 p.a.
- 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
- $15000
- Minimum income requirement
- $200,000 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
- $200,000 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
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Sign-up bonus
Apply for a Qantas Premier Titanium card by 1 May 2024 to earn 150,000 Qantas Points!
You’ll receive 150,000 bonus Qantas Points when you spend at least $5,000 on eligible transactions on your card within the first 90 days.
Explore some of the most effective ways to redeem Qantas Points, including Classic Flight Rewards, upgrades, or fly around the world with a Qantas Oneworld Classic Flight Reward.
For example, you could fly from Singapore to Melbourne in Emirates First Class for 107,700 Qantas Points plus taxes and carrier charges. Or, you can also consider a return flight from Melbourne to Perth in Business Class with a Classic Flight Reward for 83,000 Qantas Points plus around $79 in taxes and carrier charges.
The sign-up bonus is not available to existing cardholders of the Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card. Those who have closed any of these cards within the last 12 months, or have qualified for bonus Qantas Points on any of those cards within the last 12 months, are also ineligible for this offer.
Travel benefits
The Qantas Premier Titanium card comes with a wide range of travel benefits. Here’s what to expect…
Airport lounge access
The Qantas Premier Titanium is the only credit card in the market that offers two complimentary Qantas First Class lounge passes. These can only be redeemed by the cardholder and cannot be transferred to another Qantas Frequent Flyer member.
In addition, cardholders receive two single-entry digital lounge invitations that can be redeemed at domestic Qantas Club or Qantas international Business lounges. If you already have lounge access by way of frequent flyer status or cabin class, you can transfer these passes to a travel companion.
10% discount on the base fare of Qantas flights
Cardholders receive a 10% discount on the base fare for eligible Qantas domestic and international flights. But you must book via Qantas Premier Titanium concierge and use your card to pay. This discount applies across all fare classes, for up to two bookings per year for two people.
Eligibility for the 10% flight discount:
- Flights must be booked via the Qantas Premier Titanium Concierge.
- Flights must be paid for with your Qantas Premier Titanium card.
- Offer is available on Qantas and QantasLink operated flights for any fare or cabin class.
- Cannot be combined with other offers.
- Limited to two times per year, for two people.
Learn more about this feature of the Qantas Premier Titanium card.
Accelerate your Status Credits with a 20% bonus on eligible flights
The Qantas Premier Titanium is the only credit card in the market that offers 20% bonus Status Credits on Qantas flights. This only applies when you book and pay for eligible Qantas flights with your card.
If you’re hoping to take advantage of this benefit to unlock the highest tiers of Qantas Frequent Flyer, there are some limitations. Firstly, the bonus Status Credits can help you achieve Silver, Gold or Platinum quicker. But they don’t count if you’re a Platinum member moving up to Platinum One. Also, existing Platinum One members cannot use the bonus Status Credits to retain Platinum One status. And finally, the bonus Status Credits do not contribute to earning Lifetime Status with Qantas.
Still, this is an excellent perk that can help you fast-track your way through the Qantas Frequent Flyer tiers.
Eligibility for the 20% bonus Status Credits:
- You must book a Qantas operated or Qantas advertised flight via qantas.com or via Qantas Premier Titanium Concierge.
- You must use a Qantas Premier Titanium card to pay for your flights in full (no Points + Pay).
Complimentary travel insurance
The Qantas Premier Titanium card includes complimentary 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 primary or additional Qantas Premier Titanium credit card.
- Travel must start and end in Australia.
- The Qantas Premier Titanium credit card must be open (meaning it must be in-force and valid).
- You must be 79 years of age or younger when purchasing your tickets on the Qantas Premier Titanium credit card.
- You must meet the definition of a covered person: the primary or additional cardholder, their spouse, and their legally dependent child(ren).
- You must be a Resident of Australia.
We encourage you to read the PDS here before using the complimentary travel insurance benefit.
Dedicated concierge service
The Qantas Premier Titanium credit card grants access to the exclusive Qantas Premier Concierge service. With a dedicated phone line, cardholders can easily make restaurant reservations, secure tickets to concerts and sporting events and more. You can also use this service to avail of the 10% discount on eligible Qantas flights.
Qantas Wine Premium Membership
Another inclusion of the Qantas Premier Titanium card is the Premium Membership to Qantas Wine. While the normal earn rate is 1 Qantas Point per $1 spent on Qantas Wine, Premium Members earn 3 Qantas Points per $1, on top of the Qantas Points you’ll earn with your card. Premium Members also enjoy free delivery Australia-wide.
To be eligible for the Qantas Wine Premium Membership, the primary cardholder must be over 18 years of age and be a Qantas Frequent Flyer member.
Earning points
Qantas Premier Titanium cardholders earn 1.25 Qantas Points per $1 on Domestic Spend – one of the highest direct Qantas Points earning credit cards in Australia. But note that this earn rate is capped at $12,500 per statement period, and excludes government payments. Once you reach the monthly cap, you’ll continue to earn 0.5 Qantas Points per $1 until the following statement period.
When purchasing eligible Qantas products and services using your Qantas Premier Titanium card, you’ll earn 2 extra Qantas Points per $1. This includes flights, Qantas Club membership and purchases made via Qantas Rewards Store and Qantas Wine.
Using your card overseas or when purchasing online from an overseas merchant attracts an earn rate of 2 Qantas Points per whole $1 equivalent. Keep in mind that a 3% international transaction fee applies when using your Qantas Premier Titanium for overseas spend.
While there is a monthly cap on the full points earning rate on domestic spend, the overall total of Qantas Points that can be earned on the Qantas Premier Titanium is uncapped. So you can earn 0.5 Qantas Points per $1 spent after $12,501, and continue to earn 2 Qantas Points from purchasing Qantas services and spending overseas, with no limit.
It’s important to keep your Qantas Frequent Flyer account active. While there’s no expiry on the points themselves, all the points in your account will be wiped if there’s no activity for 18 months. Using a credit card that earns Qantas Points, like the Qantas Premier Titanium, is a great way to ensure your balance is topped up and your frequent flyer account is kept active.
Earning points for ATO & government payments
Qantas Points are not awarded on any payments made directly to the ATO or other government bodies in Australia when using your Qantas Premier Titanium card.
However, you can earn points at the full rate when paying tax or other bills by using a payment service like pay.com.au or Sniip.
Using Qantas Points
Redeem your hard-earned Qantas Points for Classic Flight Rewards, upgrades, hotels, car hire, wine or items from Qantas Rewards Store – the choice is yours.
If you’re looking to take to the skies, you can redeem Qantas Points for flights across the extensive Oneworld network. This includes airlines such as Cathay Pacific, Japan Airlines, American Airlines, British Airways, Qatar Airways, Finnair and more.
Qantas Points are also handy when it comes to redemptions with partner airlines like Jetstar, Emirates or Fiji Airways.
You could even offset the cash outlay of your trip by redeeming Qantas Points for Qantas Hotels bookings, Qantas Insurance policies, car hire or bookings on Qantas Holidays.
Prefer to spend your points on the ground? You can also redeem Qantas Points for gift cards, movie tickets, items from the Qantas Store, or use them to pay for fuel at BP. But note that these aren’t the most effective ways to use Qantas Points.
Find out more in our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- Generous earn rate of 1.25 Qantas Points per $1 on Domestic Spend, up to $12,500 per statement period
- Earn two additional Qantas Points per $1 spent on selected Qantas products and services, including flights and Qantas Club membership
- Two complimentary single-entry lounge invitations each year for Qantas First Class lounges
- Two complimentary single-entry lounge invitations each year for Qantas Club Domestic or select Qantas International Business Lounges
- 10% discount on the base fare of eligible Qantas domestic and international flights, twice per year, for two people
- 20% bonus Status Credits on eligible Qantas flights
- Premium Membership to Qantas Wine
Cons
- High annual fee
- International transaction fees apply
- Points are only earned at the full rate up to the first $12,500 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)
- High minimum income requirement of $200,000/year
- Signup bonus
- 150,000 Qantas Points, when you spend $5,000 on eligible purchases in the first 90 days from approval
- Points Earned
- 1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter; 2 Qantas Points per whole AU$1 equivalent on international spend (uncapped); 2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped)
- Annual fee
- $1200 p.a.
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Frequently Asked Questions (FAQs)
To apply for a Qantas Premier Titanium credit card, you would need to be at least 18 years of age and an Australian citizen, resident or long-term visa holder. You must have an Australian residential address and mobile number. You’ll also need a gross household income of at least $200,000 per year. You must also be a Qantas Frequent Flyer member. Other criteria may apply.
The minimum credit limit is $15,000.
The minimum income requirement is $200,000.
The Qantas Premier Titanium card includes a total of four digital lounge passes per year. You’ll receive two Qantas First Class lounge passes, plus two Qantas Club or Qantas International Business Lounge passes.
Yes, but you will not earn any points when using your Qantas Premier Titanium card to make direct payments to the ATO or other government bodies. However, you can use a bill payment service like pay.com.au or Sniip to earn points when paying bills or taxes.
Qantas Points expire if there is no activity in your account for a period of 18 months. Using a credit card that earns Qantas Points, like the Qantas Premier Titanium, can ensure you’re earning Qantas Points to keep your account active.
Cardholders receive 20% bonus Status Credits on eligible Qantas flights. You’ll need to book and pay for these fights using your Qantas Premier Titanium card. Also, the fare must be paid for in full, and must not be booked as a Classic Flight Reward or by using Points + Pay.
Yes, the Qantas Premier Titanium card supports Apple Pay and Google Pay. So you can add your card to your digital wallet and make contactless payments in-store or online without the requirement of a physical card.
Yes, Qantas Premier Titanium allows additional cardholders with a fee of $100 for each additional cardholder. Each individual must be 16 years of age or older and be an Australian resident. Also, each individual must be a member of the Qantas Frequent Flyer program at the time of application. All Qantas Points earned by additional cardholders will be credited to the primary cardholder.