Qantas American Express Discovery Card – Discover the World in Style

Posted December 2nd, 2010 and last modified April 3rd, 2012

Find out more about the American Express Qantas Discovery Card

Apply now for a American Express Qantas Discovery Card

What happens when I click Apply Now?

Clicking Apply will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
Your application will typically take you no more than 10-15 minutes to complete
Once approved, you will receive your credit card in the mail within 1-2 weeks

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 7,500 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.

Interest Rates, Fees & Charges

Interest Rate on Purchases		0% p.a. for 6 months (reverts to 20.74% p.a.)
Annual Fee		$0
Interest Free Period		up to 44 days
Cash Advance Rate		20.74% p.a.
Card Type		Standard
Minimum Income Requirement		$35,000 p.a.
Credit Card Type		American Express
Rewards Program		Yes
Additional Cardholder Fee		$0 p.a.

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 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 7,500 Free Points With the Qantas American Express Discovery Card

Read the American Express Qantas Discovery Card terms and conditions.

Application Requirements
Fees & Repayments
Rewards Program

Minimum Income		$35,000
Minimum Age		18 years of age
Available to Temporary Residents		No
Credit Rating Requirement		Good
Min Credit Limit		$1,000
Max Credit Limit		$100,000

Annual Fee		$0 p.a.
Minimum Repayment		3.00%
Interest Charged From		Statement Date
Late Payment Fee		$30
Over Limit Fee		$30
Overseas ATM Withdrawal		$2.50
Gambling Transactions Allowed		No

Rewards Points per Dollar		AMEX:1 Point(s)
Points needed for Syd/Mel Return Flight		25000
Points needed for $100 Voucher		13500

Ask A Question About This Card

Showing 47 Questions

1
Jennifer Pryde June 7th, 2011 at 9:43 am

Does this include free travel insurance?
2
Jeremy June 7th, 2011 at 9:54 am

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
3
Joey Valdez December 2nd, 2011 at 8:35 am

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.
4
jo January 5th, 2012 at 9:19 am

how much for additional card holder?
5
Lina January 10th, 2012 at 1:18 pm

Do you still get AMEX rewards points? or do they all go towards Qantas?
6
Jeremy January 11th, 2012 at 1:15 pm

Hi Lina

Thanks for your comment!

All rewards points earned are through the Qantas Frequent Flyer rewards program.

Cheers

Jeremy
7
Miho January 18th, 2012 at 5:56 am

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?
8
Jeremy January 18th, 2012 at 7:41 am

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
9
glen white January 18th, 2012 at 10:24 am

how long does it take to get the credit card if you are eligible and how much is on the card.
10
neil buttigieg January 21st, 2012 at 10:54 am

Hi there. Can you pay your electricity, car registration, water and land rates using the card please?
11
James Bailey January 22nd, 2012 at 4:41 pm

I applied a month ago and have had no correspondence. I earn 80k a year and have good credit. Can you explain this??
12
Toni January 30th, 2012 at 7:55 pm

Dose this card have low foreign transaction fees
13
Toni January 31st, 2012 at 2:26 pm

are there international fees for this card?
14
Pat February 7th, 2012 at 8:40 am

Do you get travel insurance with this card
15
Jeremy February 7th, 2012 at 3:16 pm

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
16
Jeremy February 7th, 2012 at 3:19 pm

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
17
Jeremy February 10th, 2012 at 10:18 am

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
18
Jeremy February 10th, 2012 at 10:21 am

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
19
patricia February 11th, 2012 at 8:20 pm

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
20
Jordan February 28th, 2012 at 3:44 pm

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
21
Jeremy February 29th, 2012 at 1:29 pm

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
22
Jeremy March 2nd, 2012 at 4:44 pm

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
23
Sachin March 3rd, 2012 at 5:58 pm

How much I have to pay for an additional card holder?
24
Jeremy March 5th, 2012 at 5:06 pm

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
25
Jeremy March 6th, 2012 at 10:09 am

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
26
Jeremy March 6th, 2012 at 12:23 pm

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
27
Daniel March 8th, 2012 at 3:28 pm

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?
28
Jeremy March 9th, 2012 at 10:10 am

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
29
Michelle March 15th, 2012 at 2:41 pm

I am new to Australia and employed on a 6 month contract. Am I likely to be approved based on this?
30
Eli March 18th, 2012 at 12:05 am

how Im gonna pay for it? which bank? and where?
31
Jeremy March 19th, 2012 at 4:46 pm

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
32
Jeremy March 19th, 2012 at 5:02 pm

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
33
Jeremy March 19th, 2012 at 5:25 pm

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
34
Brad Power March 26th, 2012 at 10:40 pm

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.
35
Tania March 29th, 2012 at 3:01 pm

Hi Jeremy ,
Is AMEX accepted everywhere these days ? As i recall AMEX being then least excepted card a few years ago ..
Cheers

Tania
36
Raj March 30th, 2012 at 12:32 pm

Does the points earned with the card have an expiry.
37
John March 30th, 2012 at 3:25 pm

On a balance of $7869.30 what % will NAB transfer?
38
Ruth Caird April 3rd, 2012 at 9:48 pm

Can I transfer an exisiting credit card balance, not an Amex card, to the Amex Discovery Card?
39
Hope McNeil April 10th, 2012 at 3:46 pm

do your points have to used in same year you get them?
40
Helen April 22nd, 2012 at 3:23 am

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.
41
Jeremy April 23rd, 2012 at 9:20 am

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
42
Jeremy April 23rd, 2012 at 9:22 am

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
43
Jeremy April 23rd, 2012 at 9:26 am

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
44
Jeremy April 23rd, 2012 at 9:35 am

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
45
Jeremy April 27th, 2012 at 12:58 pm

Hi,

You have 12 months from the last activity on your frequent flyer account before your points expire. Cheers.

Jeremy
46
Jeremy May 3rd, 2012 at 4:52 pm

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
47
Jeremy May 15th, 2012 at 9:52 am

Hi,

You are unable to perform balance transfer with Amex cards presently. Cheers.

Jeremy

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