Qantas American Express Discovery Card – Discover the World in Style

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.
| 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 |






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
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.
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 there. Can you pay your electricity, car registration, water and land rates using the card please?
I applied a month ago and have had no correspondence. I earn 80k a year and have good credit. Can you explain this??
Dose this card have low foreign transaction fees
are there international fees for this card?
Do you get travel insurance with 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
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
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
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 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
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,
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
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,
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 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
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
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 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
I am new to Australia and employed on a 6 month contract. Am I likely to be approved based on this?
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
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
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 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 Jeremy ,
Is AMEX accepted everywhere these days ? As i recall AMEX being then least excepted card a few years ago ..
Cheers
Tania
Does the points earned with the card have an expiry.
On a balance of $7869.30 what % will NAB transfer?
Can I transfer an exisiting credit card balance, not an Amex card, to the Amex Discovery Card?
do your points have to used in same year you get them?
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 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
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
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
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,
You have 12 months from the last activity on your frequent flyer account before your points expire. Cheers.
Jeremy
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
Hi,
You are unable to perform balance transfer with Amex cards presently. Cheers.
Jeremy