Qantas American Express Discovery Card – Discover the World in Style
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The Qantas American Express Discovery Card is a credit card that lets the heart of frequent travellers beat faster. Your love of travel can be indulged in full as you get a range of fabulous support, features and benefits. Whether you are on the ground, waiting to board a plane, or high up in the skies, cardholders of this prestige card will receive unrivalled support 24/7.
What’s In It for You?
Actually, a lot! If you take a look at the following features of the Qantas Amex Discovery credit card you’ll see what I mean.
Free Frequent Flyer Points for Fast-Acting Applicants
Earn 7500 bonus frequent flyer points. However, this freebie does have some conditions that apply. Please read them carefully to understand how it works. Terms are explained in the next chapter.
| Product Name | American Express Qantas Discovery Card | |
|---|---|---|
| Interest Rate on Purchases | 20.74% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $0 p.a. | |
| Interest Free Period | up to 44 days | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $100,000 | |
| Minimum Monthly Repayment | 3% | |
| Credit Card Type | American Express | |
| Late Payment Fee | $30 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
Terms for Free Points
The following explains how the free points will be applied to your account:
- Get the next 5,000 extra points when you spend $300 on purchases within the first three months of becoming a member
- Finally, the last 2,500 points will be credited to your account when you use your card to buy selected Qantas services and products
No Card Fee Ever
A prestige credit card like the Qantas American Express Discovery Card without a costly annual card fee is actually a rarity. I personally don’t know many cards that offer the same perks for no card fee. This deal alone will likely save you a couple of hundred dollars each year.
Equal Points for Spending
For every dollar you spend with your new card you earn AMEX:1 Partners:1 Qantas Frequent Flyer point. There is no limit to the amount of points you can earn. Use your card for everything you buy and your points will keep growing without effort. Perhaps you’ll make enough to have a yearly trip to some fancy tropic getaway?
How Far Can You Fly With Your New Qantas Amex Discovery Credit Card
With Qantas’ 27 partner airlines you can select your destinations depending on the points you rack up with your card. You will be the master of your own destinations, especially if you use your card for everyday shopping to increase your points earning.
The key here is to shop only with your card and pay it off every month in full. That way you have a free credit card that earns you a nice amount of free points.
To give you an idea as to how far you can fly with your points, check out the following examples:
- Brisbane to Melbourne – 12,000 points will get you there, plus $11.69 in fees and taxes or 3,000 points extra
- Darwin to Brisbane – 18,000 points to escape the sweltering summer heat plus $23.02 for fees and taxes or 3,000 points extra
- Perth to Adelaide – 18,000 points plus $18.85 in fees and taxes or 3,000 extra points
- Melbourne to Sydney – 8,000 points plus $10.82 for fees and taxes or 3,000 points extra
- Sydney to Hobart – 12,000 points and $11.69 in fees and taxes or 3,000 extra points
- Sydney to Los Angeles – 48,000 points plus $192.48 in fees and taxes
The 44 Day Interest Free Offer Saves You Interest
With 44 days of interest-free shopping you can maximize your card’s potential manifold. As long as you pay off the account in full every month you will be laughing – while enjoying ultimate travel freedom with your Qantas American Express Discovery credit card.
The interest rate is standard, not too high, not low either. Just what you expect with a card of this magnitude.
What Are Your Benefits With This Amex Card?
A range of powerful benefits will see that you are enjoying the best you can with this card:
- Your points will automatically transferred to your Qantas Frequent Flyer account.
- Regardless where in the world you are, the Global Customer Service will take care of your needs 24/7
- You are protected while shopping with Amex’s Refund Protection service. You will be credited for any refused refund within 90 days of purchasing an item
- The American Express Online Fraud Protection Guarantee will protect you against unauthorised purchase made with your card. This will let you shop online in confidence, without having to worry about theft
- Thanks to global coverage you receive a replacement card in emergencies within a short timeframe
- The Amex Express® Purchase Protection will replace or repair shoddy items if they are accidentally broken or even stolen within 90 days of purchase
- Free email or SMS alerts will keep you in tune about your account – everywhere you have reception and access to a computer and the Net
Who Is Eligible?
Are you wondering if you are eligible? Check out the following criteria to find out:
Apply online for the Qantas American Express Discovery Card and get the following information handy:
- Your American Express credit card number (for existing customers).
- Your employer’s details (including full address and telephone number).
- Your driver’s licence info.
- Your annual salary plus other annual income before tax.
- Your monthly household expenses.
- Your monthly repayments for car, personal or other loans.
- Combined credit limit for cards that are NOT held with American Express.
- If you are self-employed, details of your accountant.
Approval Criteria
- You must be a minimum of 18 years or older.
- Your credit history must be in good standing without any defaults on payments.
- You also need to be a citizen or permanent resident of Australia or hold a current Business Long Stay Visa (Subclass 457).
- Your annual pre-tax income must be above $35,000
- If you are self employed you must have a trading record for a minimum of 12 months or 12 months, if you currently hold another Amex card.
Apply Today and Be Eligible for the 7500 Free Points With the Qantas American Express Discovery Card
Read the American Express Qantas Discovery Card terms and conditions.
| Minimum Income | $35,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $100,000 |
| Annual Fee | $0 p.a. | |
|---|---|---|
| Minimum Repayment | 3% | |
| Late Payment Fee | $30 | |
| Over Limit Fee | $30 | |
| Overseas ATM Withdrawal | $2.50 | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 |
Pros
- $0 annual fee ever which is a rarity for a prestigious card plus, equal points for spending.
- Your points will be transferred straight into your QANTAS frequent flyer account.
- 24/7 assistance covers fraud, replacement cards and theft. AMEX Express purchase protection covers you for the stolen, broken or defective items within 90 days of purchase.
Cons
- Must have a good credit rating without defaults.
- Income before tax must be $35000 or over.
Read the American Express Qantas Discovery Card terms and conditions.
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Does this include free travel insurance?
Hi Jennifer
The Qantas American Express Discovery Card unfortunately does not have complimentary travel insurance. For a range of cards with this feature, you can review our Guide to Frequent Flyer Credit Cards with Travel Insurance.
Cheers
Jeremy
what is fee for atm withdrawls in Thailand?
Hi Jenny. Thanks for your question. International ATM fee ($2.50) and local ATM operator fee (somewhere between $2 & $5 depending on machine). Please double check the availability of cash advances with American Express credit cards. Jacob.
How can i pay back to you before 44 day?
Hi Vilen. Thanks for the question. There are no restrictions on when you can deposit money on to the card. Cheers.
I currently use an ANZ Frequent Flyer credit card with over 12000 points already accrued. If I was to transfer to this credit card (Qantas American Express Discovery Card), could I keep those points and have them transferred over?
Hi Dave. When you sign up for a frequent flyer credit card that’s linked with Qantas, you have the option of attaching the card to an existing Frequent Flyer membership, if you have one, or you can create a new account. If you want to keep the points you accrued on your ANZ Frequent Flyer Credit Card then write down your existing Frequent Flyer membership number when you apply for the new card. This will keep the account active and stop the points from expiring. Thanks for your question.
Is the annual fee free only for the first year or avery year?
Also, the interest rate on purchases, will it only apply after 44 day interest free period? Meaning if I pay on time, I won;t be charged the interest?
Thanks.
Hi,
Yes, this is a $0 annual fee card with no annual fee every year. The interest free period on purchases is a period where you will incur no interest payments on your outstanding debts. If you pay the purchase off within that period, you won’t have to pay more.
Cheers,
Jeremy
Is there a supplementary card available? Is there an annual fee for the supplementary card?
HI Mitt. Supplementary cards are available at no extra fee. Supplementary card-members must be 18 years of age or older and the primary cardholder will be liable for all spending on supplementary cards. Thanks for your question.
Hi, I hold a PR visa. I am here with my Wife, she works for Optus. But I am still working for my native country company from here. Am I eligible to apply for this? Since my monthly income is not in AUD and in INR, I am not sure about it.
Hi Jojee. Thanks for your question and apologies for the delay in getting back to you. This card is available for permanent Australian residents only. And in order to prove your income you will need to show that you’re earning Australian dollars. Jacob.
Re the Qantas/Amex discovery card – where and how are repayments made if this card is not issued by a bank?
Hi Patrick. Thanks for your question and sorry about the delayed response. I have sent details about the below methods of payment to you email. Jacob.
- BPAY
- Direct Debit
- Cheque
- At Post Office / American Express Foreign Exchange Branch
how much for additional card holder?
Do you still get AMEX rewards points? or do they all go towards Qantas?
Hi Lina
Thanks for your comment!
All rewards points earned are through the Qantas Frequent Flyer rewards program.
Cheers
Jeremy
I am thinking of applying one but I am already a member of Qantas frequent flyer. Can you link the card with the existing frequent flyer number?
Hi Miho
Thanks for your comment
Yes you are able to specify your Qantas Frequent Flyer number and link the card to your existing account
Cheers
Jeremy
how long does it take to get the credit card if you are eligible and how much is on the card.
Hi,
Thanks for the question. You should allow up to 10 working days after approval for the card to be issued. There is a maximum credit limit of $100,000 but the amount you are approved for will depend on your financial situation.
Cheers
Jeremy
Hi there. Can you pay your electricity, car registration, water and land rates using the card please?
Hi Neil,
Yes you can use your Qantas AMEX for your everyday purchases, including your gas and electricity etc. Basically you can use this card everywhere American Express is accepted. You will earn points on these types of purchases too! Thanks.
Cheers
Jeremy
Can you make a balance transfer from another card and if so how is it treated?
Hi Michelle. Unfortunately American Express are not accepting balance transfers to their credit cards at present. Thanks for your question.
I applied a month ago and have had no correspondence. I earn 80k a year and have good credit. Can you explain this??
Hi James,
The application process should not take that long. Contact the card provider with the reference number for your application to see what the delay is. Thanks.
Cheers
Jeremy
Using a credit card often incurs a surcharge. I’ve noted that Amex is over double that of Visa or Mastercard.
Why is this so?
Hi Alison. Great question. American Express typically charge more with card surcharges due to their rewards program and additional benefits. When you use your American Express credit card with a rewards system, earn rates are higher, however, the card surcharges will also be higher. The cost of accepting an American Express credit card is passed from the card scheme (AMEX / Visa / MasterCard) through to the merchant and then onto you. Hope this has helped, sorry for the delay in getting back to you. Jacob.
I already possess an ANZ Frequent Flyer American Express credit card. As this card is more attractive due to the no annual fee, am I able to do a balance transfer to this credit card?
And if so, will I be able to keep the already accrued point that are held in my Qantas FF account?
Hi David. Thanks for your question. Unfortunately American Express do not accept balance transfers to their credit cards. For a comparison of the market’s balance transfer credit cards, check our comparison page. Thanks.
Dose this card have low foreign transaction fees
Hi Toni,
Please have a look at our guide to foreign fees and charges for information on all the major providers overseas transaction fees – http://www.creditcardfinder.com.au/foreign-currency-international-fees-for-credit-cards.html – Thanks for your question.
Cheers
Jeremy
are there international fees for this card?
Hi Toni,
All cards have some form of fee attached for international transactions, have a look at http://www.creditcardfinder.com.au/foreign-currency-international-fees-for-credit-cards.html for a break down in foreign fees and charges. Thanks for the question.
Cheers.
Jeremy
Do you get travel insurance with this card
Hi,
Travel insurance is not included with the card. The Platinum, Express or Premium American Express cards offer complimentary international and domestic insurance in addition to other covers. Thanks.
Cheers,
Jeremy
can this card be used at all the shops also i have a jetstar credit card can it be transferred if i am successful in getting this card hope to hear from you soon thanks patricia
Hi Patricia,
Thanks for your question. The Qantas American Express can be used everywhere American Express is accepted. There is no offer for transferring the outstanding balance of another card to the Qantas American Express Discovery Card.
Cheers,
Jeremy
Does this include the fee to get the qantas flyer card?
Hello France,
thanks for the question.
This card has no annual fee, but there is a fee to join the Qantas Frequent Flyer program if you’re not already a member. This is currently priced at $82.50.
Cheers,
Marc.
Hi
I’m currently not a Qantas frequent flyer member. Do I have to join (through the Qantas website, pay for membership etc) in order to gain the frequent flyer benefits from this card?
Cheers
Jordan
Hi Jordan,
Thanks for the question. If you are not already a member of the Qantas Frequent Flyer program you must enrol to redeem your rewards for Frequent Flyer points. A joining fee will apply, usually about $89. Cheers.
Jeremy
How much I have to pay for an additional card holder?
Hi Sachin,
Thanks for the question. There are no fees for adding a supplementary card holder to your account. An additional cardholder making purchases on the one account is a good way to increase your frequent flyer points earning.
Cheers,
Jeremy
Does it require you to already be a part of the frequent flier program? If it does not, does it cover the cost to apply?
Hi Daniel,
In order to earn points you will have to be a member of the frequent flyer program. If you are already not a member then a joining fee will apply. Thanks.
Cheers,
Jeremy
I am new to Australia and employed on a 6 month contract. Am I likely to be approved based on this?
Hi Michelle,
There is anecdotal evidence to suggest that people with an employment contract for a year or more have been successful with a credit card application. You will have to take your employment contract with you to a lender and apply in person. Thanks.
Cheers,
Jeremy
how Im gonna pay for it? which bank? and where?
Hi,
The best way to pay this card is through the online banking feature. You can manage your accounts and payments through your online American Express My Account page. Cheers.
Jeremy
Are balance transfers available at the same 0% for the first six months?
HI Rachel. Currently, American Express do not make promotional balance transfer offers available to new customers. If you’re interested in a balance transfer credit card, please consult our comparison page. Thanks.
I have no debts and meet all the criteria as stated on the website. I recently applied online but my application was not approved. American Express would not tell me why it was not approved.Is this legal.
Hi,
Thanks for your question. If your card application is denied, most likely there is an issue with your credit file or your financial situation taking in to account your income and expenses. The grounds for rejection based on your credit file in many cases due to a prior incident where you didn’t pay a bill on time. Follow it up with a credit reporting agency. Cheers.
Jeremy
Hi Jeremy ,
Is AMEX accepted everywhere these days ? As i recall AMEX being then least excepted card a few years ago ..
Cheers
Tania
Hi Tania,
AMEX is still not as a widely accepted as MasterCard or Visa in Australia, for further information on the company, check out our AMEX info page found here – http://www.creditcardfinder.com.au/american-express-credit-cards-in-australia.html – thanks.
Cheers
Jeremy
Does the points earned with the card have an expiry.
Hi Raj,
Thanks for your question. Points will not expire as long as your remain an active member of the frequent flyer program – further information can be found here – http://www.qantas.com.au/fflyer/dyn/program/terms
Cheers
Jeremy
On a balance of $7869.30 what % will NAB transfer?
Hi John,
Generally speaking the banks will transfer around 90-95% of the outstanding balance of your card. Please check the NAB terms and conditions for further information, found here – http://www.nab.com.au/wps/wcm/connect/nab/nab/home/personal_finance/4/10/2/1 – Thanks for your question.
Cheers
Jeremy
Can I transfer an existing credit card balance, not an Amex card, to the Amex Discovery Card?
Hi,
You are unable to perform balance transfer with Amex cards presently. Cheers.
Jeremy
do your points have to used in same year you get them?
Hi,
You have 12 months from the last activity on your frequent flyer account before your points expire. Cheers.
Jeremy
Is the annual fee waived only for the first year or avery year?
Also, the interest rate on purchases, will it only apply after the 44 day interest free period? So if I pay on time, I won’t be charged the interest?
Thanks.
Hi Halen,
There is no annual fee for this card. You will also receive 44 days interest free on purchases provided you don’t carry a forward a balance on your account from the previous statement period. There are no interest free days for cash advances or balance transfers.
Cheers.
Jeremy
is there a 0% balance transfer on this card?
Hi,
American Express do not currently offer balance transfers. Thanks for the question.
Cheers
Jeremy
HI,
i GOT A QUESTION ABOUT REPAYMENT OF MY CREDIT CARD. FOR EXAMPLE, IF i HAVE CREDIT LIMIT $2000? AND I USED IT UP.BUT i STILL WANT TO USE THE CARD TO MAKE PURCHASE.
MY QUESTION IS THAT: iF i DEPOSIT $2000 IN MY CARD, COULD MY CREDIT LIMIT RETURN TO $2000 IMMEDIATELY? AND NORMALLY, HOW LONG WILL IT TAKE THAT i CAN DEPOSIT MONEY IN MY CARD AFTER i USE UP MY CREDIT LIMIT?
THANKS FOR YOUR ANSWERS.
Hi Jason. It all depends where the money is coming from. If you’re depositing money from your transaction or savings account to your credit card and all accounts are with the same institution, then the transfer should be instantaneous. If you’re transferring money from a different bank or lender then normal processing times of one to two business days will apply. Thanks for your question.
Could you send us an application form. We have got Qantas Frequent Flyer cards but the annual fee is expensive and have just been billed for it, if we join will we be able to get the money back.
Hi Hilda. Sorry it’s taken so long for us to get to your question. Although this response is probably not relevant any more, would you care to elaborate on your question. I’m interested in this and would like to share your experiences with our users. Jacob.
Hi there, I tried applying for the AMEX discovery card but customer service told me my application couldn’t proceed as my employer is not registered in white or yellow pages. Why is that a requirement?
Thanks
Hi Christel. This is a way lenders verify that your employer actually exists. When applying online I do believe that it is a requirement for most lenders. Jacob.
can i please have list of Qantas partner airlines where i can redeem my points ??
is it possible to use my point for thai, malaysian, emirates and etihad airlines ??
Hi Arshad. Qantas have quite a few partnered airlines. Please refer to this page for a list. Thai, Malaysian and Emirates airlines are not Qantas partners. Thanks for your question.
I have already Qantas FF points will they transfer with this new card
Hi Jeffery, thanks for your question.
When applying for the Qantas American Express Discovery Card, applicants are asked to provide their frequent flyer membership. For existing members, simply provide the existing Qantas Frequent Flyer membership number and any points earnt will be credited to the existing account. For people who are not already a member, they will need to become one in order to earn points and a joining fee will apply. Hope this has helped.
Are businesses eligible to apply for this credit card?
Hello Nicola,
thanks for the question.
Businesses are eligible to apply for this card.
Cheers,
Marc.
how does the 0 interest for 6 months work – is it just for your first card purchase? what happens if you have a purchase on day 1 and another on day 2. the purchase on day 1 is 6month interest free while the purchase on day to is interest free for only 44days?
Hi Paul. Thanks for your question. All purchases made within the six month promotional period will be interest free – for further information please refer to our 0% purchase rate credit cards page.
I currently have an AMEX card can I transfer my balance and get the 0% on balance transfer for 6months on this card
Hi Lorraine. American Express do not currently offer balance transfer promotions on their cards. Cheers.
Do I get 1 point for every dollar I spend on the card regardless of where or what the item is I purchase? in other words, is the card not restricted to specific items for points earning like the Woolworths card for example?
thanks
Scott
Hi Scott, thanks for your question. According to the Qantas Discovery Card terms and conditions, you will earn points on all purchases except the following:
‘(a) charges prepaid prior to the first billing statement for that
Account following the Enrolment Date;
(b) Cash advance and other cash services;
(c) American Express Travellers Cheque and gift cheque purchases;
(d) charges for dishonoured cheques;
(e) interest charges;
(f) annual Card fees;
(g) late payment charges; and
(h) all other fees and charges applied to the Card Account.’
Balance transfers will also not earn any points.
This is similar to the Woolworths Credit Card terms and conditions, that states that no points are earned on business expenses, interest free promotions, balance transfers and cash advances. Hope this has helped.
How many additional cards are allowed on the a/c. can you have 5 additional cards, or is there a charge for any subsequent cards over 2. Thanks
Hi Lorna. There is no information listed by American Express about the number of additional cardholders allowed on the account. Generally speaking you are allowed up to 99. There is no charge for each additional cardholder. Thanks for the question.
0% interest for first 6 months. Do I still have to pay the minimum amount for those months to avoid any interest/charges, or just pay the full balance at the end of the 6 months?
Hi Kevin.
The minimum payment of 3% of the outstanding balance will have to be paid each month. Thanks for your question.
If I transfer my current credit card dept of $5000.00 over, how many frequent flyer points will i receive.
Hi Steve. Thanks for your question. You do not earn points on balances transferred between credit cards.
is there a time limit on when you have to make the qantas eligible purchases by to get the bonus 2500 points?
Does this mean if you pay it off before the statement is issued you don’t get the points?
Hi Lorna. Thanks for your question. The following is taken from the Qantas American Express Discovery Card’s terms and conditions: ‘The 7,500 Qantas Frequent Flyer points offer is only available to new Qantas American Express Card members who apply via the online application form, are approved by 30 September 2012 and make the required eligible Card spend(s). Points are awarded as follows:
5,000 extra points will be awarded when you spend $300 on purchases with your new Card within the first three months of becoming a Cardmember; and
an additional 2,500 points will be awarded after the first Card spend on purchases of selected Qantas products and services in Australia.
Maximum number of points available under this offer is 7,500 points. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions available here, and exclusions apply. Please allow 6 to 8 weeks after you have made the eligible spend for the points to be credited to your account. Qantas Frequent Flyer membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com.’
Hope this helps.
Hi there,
When will this card offer expire?
Cheers
Hi Aaron. Thanks for your question. Currently, there is no end date for this offer. Cheers.
Hello there,
I am an international student on a 4 year student visa in Australia. Does that imply that I am not eligible for any credit card?
Thanks for your answer :)
Hi Daniel. Thanks for your question. Most cards have in their application criteria that they are only available to permanent Australia residents; however, some credit cards are available to temporary residents on long stay visas. Hope this helps.
Am i eligible if i am applying for Permanent residency (Partner visa). It usually takes 2 years to get the residency. Im now having the Bridging visa waiting for the decision.
Hong Phan
Hi Hong. Thanks for your question. American Express Credit Cards are available to temporary residents who meet their visa requirements. For more information please refer to our article on which credit cards are available to temporary residents. Cheers.
Are the points I can earn on this card capped? If so at what level?
Hi Ian. Thanks for your question. There is no limit to the point you can earn with this card. Cheers.
What is the fee for cash advances on this card?
Hi Anon!
The fee for cash advances from ATM’s is the higher figure of either $2.50 or 2% for the particular transaction. This is on top of a 20.99% interest rate charged on cash advances.
I hope this helps
Can you get a pin for this card or do you have to sign?
Hi Candice. Thanks for your question. To pay for an item, you can sign or you can enter you PIN number. Cheers.
Thanks Jacob. I have another question. If you pay off the card before you get your statement, do you still get the points? Or do you only get points on the outstanding balance when you get your statement?
I am already a member of qantas frequent flyers program. Does American Express take out an annual fee to be a part of the Qantas frequent flyer program?
Hi Trudy. According to the Qantas American Express Discovery Card terms and conditions, ‘You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer.’ Membership to the Qantas Frequent Flyer program is about $80. Thanks for your question.
If I am Qantas FF member already, do you still need to charge Qantas FF member fees every year.
Hi Joesph. Thanks for your question. If you are already a member of the Qantas Frequent Flyer program, you will not need to pay another joining fee when you apply for this card. Just quote your old membership number when you’re prompted to link your credit card to your QFF account. Cheers.
Are there charges incurred when using this American Express credit card?
Hi Julie. There is a foreign currency conversion fee of approx. 2% when you make a purchase on your card while overseas and you will be charged the purchase rate of interest when you use your card to make a purchase. Other than that there are fees for card replacement and taxes when using your rewards points to book flights and so on. There is no annual fee and no cash advance interest rate for this card. Thanks for your question.
Hello,
If my partner is the primary card holder and I am the additional cardholder, may we use my QFF number to earn points, as he is currently not a QFF member?
Also, I saw earlier that you mentioned that Amex do not do balance transfers. Am I at any stage able to transfer money owing on this credit card to another, apart from Amex?
Many Thanks,
Amber
Hi Amber. Thanks for your question. Balance transfer are allowed from an American Express to another non-related credit card. You are also unable to link a credit card in your husbands name to a frequent flyer membership in your name, the names on both accounts will have to match to earn frequent flyer points on your purchases. Cheers, hope this helps.
When does the 6 month interest free on purchases period start? When I make a purchase? Or from when the card/account is first activated?
Thanks.
Hi Nick. Thanks for your question. The six month interest free period starts from when your account is approved by the lender – before you activate the card – hope this helps.
Margaret, I would like to transfer credit balances from my ANZ NAB & Virgin (city bank)can I do this ?
Hi Margaret. Thanks for your question on this one. If an institution (like Citibank, HSBC or CBA to name a few) is the credit provider for another institution (like Virgin or Woolworths) then a balance transfer may not be accepted between those two cards. To find out which institutions will accept balance transfers between them, please refer to this article. Hope this helps.
hi there. with the american express qantas discovery card,is it as widely accepted in australia as visa and mastercard or not. thanks mate. gary.
Hi Gary. American Express is not as widely accepted as Visa or MasterCard (MC) in Australia, mainly due to the merchant / provider regulations that different between issuers. You can check which merchants will accept AMEX through the American Express Network Map. Most online businesses will accept American Express. Thanks.
Can you have several cards linked to the same account, my wife works part time (earns below limit) but we have joint bank accounts, our joint income puts us well over the minimum annual income
Hi Jason. Thanks for your question. For a list of institutions that allow joint account credit cards, check this page. You are allowed, generally, up to 99 additional cardholders; however, one cardholder will have to be a primary cardholder and the others supplementary cardholders.
Does this card offer the balance transfer 0% for 6 months? I was successful in gaining the card but when I went to transfer the balances of other credit cards I was advised by a call centre operator that their were no balance transfer offers. I was under the impression that balance transfers were standard with this card.
Hi Michelle. Thanks for your question. American Express are currently not accepting balance transfer offers to their card. If you would like to compare balance transfer credit cards, please visit this page. Thanks.
Two quick questions:
* After the initial 6 month interest rate on purchase – if I make a purchase and pay it off within 44 days, will i be charged interest?
* Do you lose points after you have earned them?
Thanks.
HI Mike. Thanks for your question. After the six month interest free promotional period, if you’re account is in good standing, that is, you have paid your balance in full each month, you will receive interest free days on your purchases (there are no interest free days in you are carrying a balance transfer balance). You don’t lose points after you have earned them, they will be valid for 36 months after the date of last use. Cheers.
Iam retired and self funded own two properties have a credit card with the nab pay it off every month and receive a small part pension have bank account with Qantas staff credit union , st george as well as the nab, don’t owe a cent to anyone do i qualify for this card , regards Ray .
Hi Raymond. Your the best person to make a call about this. Please refer to the eligibility requirements at the bottom of the product review pages. If you meet the requirements, there is no reason why your application won’t be successful.
you state in the terms and conditions that no frequent flyer points can be earned during interest free promotions, so if this card has an interest free promotion for the first 6 months then does that mean i cannot earn any frequent flyer points in that period?
Hi Wayne. The terms and conditions state: ‘No points accrue in respect of:
(a) charges prepaid prior to the first billing statement for that
Account following the Enrolment Date;
(b) Cash advance and other cash services;
(c) American Express Travellers Cheque and gift cheque purchases;
(d) charges for dishonoured cheques;
(e) interest charges;
(f) annual Card fees;
(g) late payment charges; and
(h) all other fees and charges applied to the Card Account’
You will still earn points on your purchases during the interest free promotion. Thanks for your question.
i’m pensioner and qantas freq/flyer
income $25k/p/annum
so, can i get the AEQ card ?
Hi Stan. Please check to see that you meet the eligibility criteria for this card, mainly the minimum income requirement – currently $35,000 p.a. Thanks for your question.
never had a credit card before, silly question maybe but you can accumulate frequent flyer points with this card flying with any airline? or just qantas?
Hi Julie. Thanks for your question. This is a direct earn product, which means you will earn points that are directly transferred to you Qantas Frequent Flyer account. You can then use these points to fly with Qantas and 34 partner airlines and their affiliates to more than 1,000 destinations. For a list of partner airlines, please refer to the Qantas website. Thanks.
1. Are there ANY other fees/charges other than what is mentioned within the above information that I should know about. I DO NOT want to find out there is later on once I own and am using the card.
2. I was thinking of getting an additional QANTAS AMEX Discovery Credit Card for my spouse who has his own Q.F.F. m/ship – should I get him to apply for his own Q. AM. Disc. Cr.card and register his Q.F.F. m/ship to that or, can he register his Q.F.F. m/ship to my/or joint Q. AM. Disc. Cr. card and he will get points on purchases he makes when he uses his additional card from our joint account?
3. Am I able to do direct debits from this account? If so are there fees for that?
4. Am I able to pay my credit card via B’Pay from my CBA account where my pay goes into?
regards
racheltroth@bigpond.com
4. Am
Hi Rachel. Thanks for your question.
There are a range of fees and charges that apply to this card, please read the product disclosure statement for a full list of the charges you may incur. For instance, if you were to use this card overseas, you would incur a foreign currency conversion fee of approx. 2% of total value of the transaction. But the fees that you’re most likely to incur are all listed in the ‘fees’ tab at the bottom of the review page.
In answer to your second question. You can only link one frequent flyer membership per card. Currently American Express do not allow joint account credit cards; however you may have a supplementary card. All spending and points accrual will be put towards the primary account.
You can set up a direct debit arrangement from your American Express card to another institution by enrolling for an automatic payment plan, but you can’t direct debit from one credit card to another. There are no fees for this service but you must make sure that sufficient cleared funds are available in your nominated account on the payment date. If there are insufficient funds and your financial institution dishonours the payment you will be charged a fee.
You are able to pay your American Express Credit Account from another institution through BPAY. The AMEX biller code is currently 5082 and your reference number is your card number. There are no fees for this service.
i already apply for this card 2 weeks ago and i still haven’t heard anything from you if im qualified or not…
Hi Mike. Thanks for your question. Please read this article on checking on your application status. Thanks for your question.
Further to my email query previously. It appears that this card does not have any interest free offers. I have applied for the card and was accepted, the card is of no use to me without a balance transfer option. I have contacted the call centre and asked for the card to be cancelled. However since being accepted for this card I have been rejected from applying for other cards. It seems that the credit limit has ruined my chances of getting other lines of credit. Can you please assist in rectifying this situation.
hi there. just wanted to clarify. is a spend of $1 equal to 1 american express point equal to 1 frequent flyer point. some cards are $1 equal 1 point which in turn equals 1/2 of a frequent flyer point?
Hi Sarah. Thanks for your question. This is a direct earn product, so any points you accumulate on the card will be directly transferred to the Qantas Frequent Flyer program at a rate of 1:1. Hope this helps.
Is the 7,500 points offer still available as I have read from other queries it ends in September 2012?
Hi Jess. Thanks for your question. The offer is still available.
It says we cannot have a joint card my husband does not earn any money we live on mine does that mean he cannot have a card. He does most of the shopping so it would be useless if he cannot have one.
Hi Chris. Please check this page for a list of institutions that allow joint account holders. Alternatively, you are allow additional cards holders with this card. This means that you are the primary cardholder and your husband is the additional cardholder. Both of you will have a card to use, but the spending will be credited to the primary account. Both cards will work off the one credit limit and spending on both cards will earn points. Thanks for your question.
Hi,
Just wondering, what is the interest rate charged for a balance transfer from another credit card?
Hi Dana. Thanks for your question. American Express are not currently running a balance transfer promotion on this card. For a comparison of balance transfer credit cards, please check this page.
Hi Jenny
Thanks for your comment
First I’ll specifically answer your questions:
1) Yes, it is possible so long as the merchants accept American Express. I’d do this investigation first as it’ll dictate the type of card you apply for.
2) You are correct – there is no cap on the amount of points you can earn in a month or year
Furthermore, here are some of the key considerations when choosing a rewards credit card
Net Rewards Value – This is always the most important consideration . This is a calculation of the cards earn rate X $ your annual spend. This will determine the amount of points earn in a year. From there, you could divide your total annual points by the amount of points required for a $100 gift card. This will give you a relative idea of the true $ value of the points you’ve earned. From that amount, you can then minus the annual fee and rewards program membership fee and this will give you what is called the “Net Rewards Value”. Please give us 3 cards you are interested in, and we’d be happy to calculate this for you.
The type of rewards you want – some cards are better designed for frequent flyers, and others for other forms of rewards such as gift cards or merchandise.
Frequent flyer programs – it is important to consider the partner airlines that are available with the rewards program you are interested in.
Acceptance – if you’re interested in an AMEX, it’s important to consider whether or not the merchants you plan to make purchases through accept AMEX
BPAY Acceptance – not all cards allow you to earn points with BPAY payments. My colleague Jacob will provide further detail on this for you
Points capping – some credit cards have a points cap meaning you are unable to earn any further points once you’ve hit a certain spend level.
Points expiry – some credit cards have an expiry date on the points you earn, where if you don’t redeem them for a reward in time, they will expire.
Bonus points on sign-up – some credit cards offer great sign-up bonuses. It’s often the case that sign-up offers for new applicants feature the most attractive deals.
Complimentary flights – some cards offer complimentary flights for each year you hold the card.
Insurances – some cards offer complimentary travel insurance and purchase protection
I hope this was helpful for you and look forward to helping you with any further questions you may have.
Thanks again for your comment!
Regards
Jeremy Cabral
jeremy@finder.com.au
Does this card give you 0% interest on everything you spend for the next 6 months?
Hi Elaine,
thanks for the question!
This card allows cardholders to make eligible purchases for 6 months with 0% interest, however minimum repayments will still need to be made to keep the promotion going. Certain transactions like using the card to obtain cash from an ATM, using it for gambling purposes or using it to buy foreign currency can attract normal interest from the day the transaction takes place. For more information about how these offers work this page might be helpful.
I hope this helps,
Marc.
If I apply for this where Veda shows me having a bad credit rating over a Power Account that was Paid in 2008, I am force according to Veda have to wait until 13Oct 13.
Will I be accepted for your card.
Hi Patrick
Thank you for your comment.
Most credit card providers in Australia will automatically decline your credit card application if you have a default on your credit file. I would suggest in this case calling American Express and discussing your situation to get a 100% confirmation as to whether or not they will approve your application
I hope my response was helpful, please reach out again if you have any further questions.
Cheers!
Jeremy
Hi
Do your points ever expire?
Hi Carina. Thanks for your question. According to Qantas, ‘Your points won’t expire as long as you keep your account active by earning or using points at least once every 18 months.’ Hope this helps. Jacob.
I live in Loxton a small country town in SA. Where can I make payments into the card if i wish to deposit cash. Also can i put extra money into the card and does it earn interest? Thank you.
Hi Mari-Anne. Thanks for your question. I have sent detailed information about this question to your email, but you can pay your AMEX card at the post office or electronically. See you email for further information. Jacob.
Hi there,
Is there a cancellation fee or minimum term you need to sign up for this card? I’m having real trouble finding this on their website.
Many thanks,
Louise
Hi Louise. Thanks for your question. There are no cancellation fees for credit cards. Provided that you’ve paid the balance in full, you can cancel a card free of charge at any time. Jacob.
Hi,
Can I use the credit card for all airline companies to purchase tickets to gain rewards or is there restriction to only limited airlines.
Hi Alison. Thanks for your question. You can use this card to book flights with any airline, you will earn points on these transactions too. Although there is an incentive for booking flights directly with Qantas with this card – you will earn double the amount of Qantas Frequent Flyer points when you book Qantas flights and services. Hope this helps. Jacob.
I am an old age pensioner currently on Centrelink payments. Am I still eligible?
HI Anthony. Thanks for your question. Provided you meet the eligibility requirements set out under the application requirements tab at the bottom of the review and application, you’re eligible to apply for this card. You may be asked to provide additional information to prove your income. Furthermore, as you are a pensioner on government support, it is advised that you apply for this card in person. Jacob.
How and where can i pay the account
Hi Melissa. You can pay your American Express via BPAY or through a direct debit from your normal transaction account, in person at a post office or via cheque. I’ve sent detailed information to your email. Thanks for your question. Jacob.
What is the Foreign Currency Conversion fee with this card?
Hi Michelle. Thanks for your question. Please check the fees table at the bottom of the review page for this charge. Alternatively, you can compare this fee by provider on this page. Jacob.
I have a Qantas Amex which you are changing the points on utility’s down to .5 instead of 1.5 does the discovery card allow me more points or is there a card that has more points?
As I am about to cancel my card with you and just use my Citibank Select card
Hi Alan. Thanks for your question. The earn rate of utilities is the same across all American Express Cards. Citibank do allow you to earn points when you pay bills, and you get the option to join Citi Qantas Rewards with the ability to transfer your points to the prestigious Qantas Frequent Flyer account each month. Please refer to transfer rates between airlines here. Jacob.
What are the charges for using the card at a retail outlet in the USA for example?
Also, are there any banks overseas where the ATM withdrawal fee does not apply? Thank you.
Hi Kim. Thanks for your question. For a list of fees that apply when you overseas, please refer to the fees table at the bottom of the review and application page. Currently, American Express credit cards do not allow customers to withdraw cash unless their account has a positive balance – if you want to do this, you will need to register with American Express first. If you would like to use this card to purchase over the counter goods in a foreign country, a foreign currency conversion fee will apply in addition to the purchase rate of interest, if your account does not have interest free days. Jacob.
Will I earn points when I pay bills?
Hi Stephen. Thanks for your question. If you use your card to pay a bill it should be treated as a purchase and attract Qantas points. It does depend on how you pay the bill and what type of transaction it is. BPAY, for instance, in some circumstances will allow you to earn points because the transaction is treated as a purchase, while in other circumstances, it can be treated as a cash advance and will not earn points. You can double check with the specific merchant before you pay the bill. Jacob.
Do you get a mastercard or visa equivalent with this card?
HI Becke. Thanks for your question. This account offers an American Express Card only. Jacob.
I currently have a platinum Amex card, do I have to fill in more forms to obtain an Amex qantas discovery card?
Thanks for your reply.
Hi Bernard. Thanks for your question. You can contact American Express directly to see if they will transfer your account. The sometimes do this when someone is upgrading a card, but this may not apply to your situation as you will be reducing your annual fee. Otherwise, you can pay out and close the account and then re-apply for this card. The online application process is fairly simple and can be completed in 10-15 minutes. Please read the review and application page for information on what you need to do to apply. Jacob.
Thanks Bernard. Do you have the AMEX contact phone no for Melb?
Hi Anne. Check this page for contact numbers. Jacob.
Just to confirm – I can use the accumulated frequent flyer points to purchase products in the FF shop (as well as purchase airfares)?
I currently have an AMEX/NAB card but FF points no longer accumulating.
Do I cancel this one or perhaps transfer to the new one?
Thank you
Hi Anne. Thanks for your question. You can use your points to redeem for more than just flights through the Qantas store, check their website for a full list of redemption options. If your primary concern is earning Qantas frequent flyer points, you can apply for a card that lets you do this. Please be aware though, this card does not offer a balance transfer promotion to customers looking to transfer a balance. You can compare Qantas Frequent Flyer credit cards here – look for the cards that are offering a balance transfer offer in the comparison table. Jacob.