Qantas American Express Discovery Card – Rates & Fees

Information verified correct on July 22nd, 2016
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Save on credit card costs with a 0% p.a. balance transfer and $0 annual fee while earning rewards with the Qantas American Express Discovery Card.

The Qantas American Express Discovery Card gives you a wide range of rewards and savings with $0 annual fee. For each dollar you spend using the card, you get to earn 1 Qantas Point that you can redeem for rewards in the Qantas Frequent Flyer program. You also earn an additional point when you spend on selected products and services from Qantas in Australia.

Qantas cards come with advanced security features, including microchip technology. They can also be used to make contactless payments for transactions under $100. Applicants who apply online and are approved can take advantage of a 0% p.a. balance transfer offer for 12 months.

Product NameAmerican Express Qantas Discovery Card
Rewards ProgramQantas Frequent Flyer
Balance transfer rate (p.a.)0% p.a. for 12 months with 1% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (20.74% p.a.)
Balance Transfer Limit70% of available credit limit
Purchase rate (p.a.)20.74% p.a.
Annual fee$0 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
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.
$2,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Minimum Monthly Repayment3%
Minimum Income$35,000
Card TypeAmerican Express
Late Payment Fee$30
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
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.
$2,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Annual Fee$0 p.a.
Minimum Repayment3%
Late Payment Fee$30
Over Limit Fee$30
Overseas ATM Withdrawal Fee$2.50
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders4
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
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 $35,000 or over.
Rewards ProgramQantas Frequent Flyer
Bonus Points on Sign-up7,500
Rewards Points per $ (VISA/MC)0
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) CapN/A
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

Qantas American Express Discovery Card review

If you’re a frequent flyer, the Qantas American Express Discovery Card may be suitable for you. Cardholders can earn points as they spend and redeem their rewards for flight tickets, shopping and more. New cardholders can make savings with a promotional balance transfer of 0% p.a. for 12 months and a $0 annual fee. Plus, you can request up to 4 additional cards for free.

Alternative cards you can look into include the Qantas American Express Ultimate card and the Qantas American Express Premium card.

Benefits of the Qantas American Express Discovery Card

  • Bonus Qantas Points. New members can earn as many as 7,500 bonus Qantas Points.
  • Earn points as you spend. Whether you’re a new cardholder or not, you’ll also earn 1 point for $1 spent and an additional Qantas Point when you spend on selected Qantas services and points. The points are uncapped and will be credited in your Qantas Frequent Flyer account every month. You can redeem your Qantas rewards for both travel and everyday rewards – browse the Qantas Frequent Flyer website to discover where your points can take you.
  • $0 annual fee. This credit card has $0 annual fee, and you can acquire up to 4 supplementary cards which enjoy the same feature.
  • Balance transfer rate. You can use the card to pay off your debt with a low interest balance transfer rate of Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. The maximum amount that you can balance transfer is $10,000 or 70% of your approved credit limit, whichever is less. Keep in mind there is a one-off fee of 1% p.a. of the total balance.
  • Eligible for Apple Pay. Enjoy fast, secure and convenient checkouts with Apple’s Touch ID and enjoy all the rewards and benefits of American Express Membership. Learn more here.
  • Eligible for Samsung Pay. The Samsung Pay application allows you to make easy purchases using your qualifying Samsung device and receive $15 credit back on your account if you meet the spend requirement. Learn more here.

Qantas American Express Discovery Card features

  • Security chip. The use of microchip technology is the new standard for credit card security and all Qantas American Express cards come with this feature. This makes it more difficult for fraudsters to get a hold of your credit card information.
  • Global card support. Qantas American Express Discovery Card members enjoy global card support services 24/7.
  • Purchase protection. You get purchase protection for 90 days on items that are stolen or accidentally broken within that time period.
  • Fraud protection. The card comes with an online fraud protection guarantee which protects you from being held liable for unauthorised transactions.
  • Emergency card replacement. There is a global office network that can help you get your card replaced in as little as 48 hours from anywhere in the world.

How to apply for the Qantas American Express Card

If you’d like to apply for the Qantas American Express card, you will need to complete the secure online application, which will require you to fill out your details and then wait for the card approval.

Before you do so, check you meet the following eligibility requirements:

  • You need to be an Australian citizen to be eligible for this credit card. Eligibility also extends to permanent residents or persons in possession of business long stay visas.
  • Only applicants with a good credit history are eligible.
  • Your pre-tax or gross income must be no less than $35,000.
  • Source of income is required and if you’re self-employed, your business needs to have been trading for no less than 18 months. Existing American Express cardholders can have been in business for 12 months.

The Qantas American Express Discovery card offers features and rewards for both frequent travellers and savvy spenders. As this isn’t the only frequent flyer credit card on the market, it’s best if you compare your options before applying.

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383 Responses to Qantas American Express Discovery Card – Rates & Fees

  1. Default Gravatar
    Mily | May 3, 2016

    I want to compare how many points in order to redeem a $100 shopping gift card voucher – as a standard unit of measure / comparison. How do I find this on your site? Eg: this credit card is 17500 points for $100 myer voucher compared with this credit card 15000 points for same voucher

    • Staff
      May | May 18, 2016

      Hi Mily,

      Thanks for your question.

      Sorry for the delayed reply. The Qantas American Express credit card lets you earn Qantas points and you can use these points to redeem for Reward flights with Qantas and over 50 partner airlines and their affiliates. Unfortunately, we don’t have that page you’re looking for. However, if you want to use your points for shopping and want to know how many points you can use to purchase a product (not a gift voucher), I’ve sent to your email the page of Qantas website where you can find your shopping options.

      I hope this has helped.

      Cheers,
      May

  2. Default Gravatar
    Ann | April 3, 2016

    How do I know what my maximum credit will be when I apply

    • Staff
      Ally | April 4, 2016

      Hi Ann,

      Kindly note that finder.com.au is an online comparison service that does not represent any credit card issuer such as AMEX.

      Nonetheless, the maximum credit limit that the Qantas American Express Discovery Card allows is $100,000 as you may find on the info table at the top of this page, which would highly depend on the approval of AMEX upon your application.

      For further inquiries, you may also get in touch with the AMEX team to inquire about this directly.

      I already emailed you a link to their contact page for your reference.

      I hope this has helped.

      Cheers,
      Ally

  3. Default Gravatar
    Denis | March 18, 2016

    Can you advise if Australian Tax Office payments are eligible for Qantas Rewards Points? Thanks

    • Staff
      Ysa | March 20, 2016

      Hi Denis,

      Thanks for your question.

      Yes, you can accumulate reward points when making payments to ATO.

      Please read through our How to Pay Your Tax Bill by Credit Card Payment page for a list of credit cards which allow you to earn reward points for ATO payments.

      Cheers,
      Ysa

  4. Default Gravatar
    Maria | March 14, 2016

    Hi, does travel insurance cover come with this card? I am already a customer and would like to know if there are any conditions regarding this.

    Thanks

    Maria

    • Staff
      Ysa | March 15, 2016

      Hi Maria,

      Thanks for your question.

      Unfortunately, the Qantas American Express Discovery Card does not provide complimentary travel insurance.
      However, you may wish to compare other credit cards with free travel insurance here.

      I hope this helps.

      Cheers,
      Ysa

  5. Default Gravatar
    Stuart | February 29, 2016

    Our Qantas Frequent Flyer card is in my wife’s name, do we need to apply for a credit card in her name, then an additional card for myself in my name, or do I make application for credit card in my name and put my wife’s frequent flyer program Number in the application? as I am the working person in the family, with the minimum of $35000 annual income for the application?

    • Staff
      Jonathan | March 1, 2016

      Hi Stuart, thanks for your inquiry!

      If you are the individual earning the income then it would be best that you applied for the card since they will assess the primary applicant’s financial details and your spouse apply as an additional cardholder.

      Cheers,

      Jonathan

  6. Default Gravatar
    Dianne | February 5, 2016

    Is the 0 annual fee on going or only for the 1st year

    • Staff
      Arra | February 5, 2016

      Hi Dianne,

      Thanks for your inquiry.

      The $0 annual fee is an ongoing offer of Qantas American Express Discovery Card.

      I hope this has helped.

      Cheers,
      Arra

  7. Default Gravatar
    Silyeclipse | January 12, 2016

    hi

    I have an ANZ Visa/Amex Card at the moment. Would i qualify to earn the 7500 bonus points?

    • Staff
      Sally | January 13, 2016

      Hello,

      Thanks for your question.

      The offer is available to new cardholders who apply before 2 February 2016. This offer excludes existing Card Members or previous Card Members who have held any American Express Card in the last 12 months. However, you should be able to earn the points if your card was provided by ANZ rather than American Express.

      I hope this has helped.

      Cheers,

      Sally

  8. Default Gravatar
    Amanda | November 5, 2015

    Hi,
    Does the Qantas American Express have a complementary MasterCard/visa attached to the one account? If not, could you please suggest no cap frequent flyer reward credit card with an added MasterCard/visa.

    • Default Gravatar
      Maureen | December 22, 2015

      I have an existing American Express Rewards Advantage Card so can I just transfer over without filling in the application?

    • Staff
      Sally | December 23, 2015

      Hi Maureen,

      It’s likely that you’ll need to fill out an application if you wish to transfer your existing account to a new card. If you’re looking to conduct a balance transfer to take advantage of a lower interest rate however, American Express doesn’t allow balance transfers from existing accounts.

      You might wish to get in touch with the American Express customer service team directly to confirm some of these details.

      I hope this has helped.

      Cheers,

      Sally

    • Staff
      Debbie | December 23, 2015

      Hi Maureen,

      Thank you for your inquiry.
      Unfortunately, the balance transfer offer is only applicable for new cardholders of American Express.

      To compare other credit cards that offer balance transfer, please refer to this page.
      I hope this helps.

      Cheers,
      Debbie

    • Staff
      Jonathan | November 5, 2015

      Hi Amanda, thanks for your inquiry!

      You can compare uncapped frequent flyer credit cards on this page, including products with dual American Express and Visa cards attached to the account.

      Cheers,

      Jonathan

  9. Default Gravatar
    monique | September 10, 2015

    Hi – I am looking for a credit card that allows you to earn
    points – either Qantas or Virgin with payment made to the ATO
    Do you have such a product ?

    • Staff
      Jonathan | September 10, 2015

      Hi Monique, thanks for your inquiry!

      Please refer to this page for a list of cards that allow points earnings with payments the ATO. American Express cards have the option of transferring rewards points to partnered frequent flyer programs such as Qantas Frequent Flyers and Virgin Velocity Frequent Flyers.

      Cheers,

      Jonathan

    • Default Gravatar
      | September 11, 2015

      Hi Jonathan,
      Is there no other card other than Amex ( with 1/2 points )
      that allow payments to the ATO -

      Jonathan | September 10, 2015

      Hi Monique, thanks for your inquiry!

      Please refer to this page for a list of cards that allow points earnings with payments the ATO. American Express cards have the option of transferring rewards points to partnered frequent flyer programs such as Qantas Frequent Flyers and Virgin Velocity Frequent Flyers.

      Cheers,

      Jonathan

      Reply

    • Staff
      Jonathan | September 11, 2015

      Hi Monique, thanks for your response.

      American Express are the only card network who currently allow points earnings with payments to the ATO.

      Cheers,

      Jonathan

  10. Default Gravatar
    Trish | September 9, 2015

    Do you have to be a Qantas Frequent Flyer Program member in order to earn the Qantas points via your Qantas American Express Card?

    • Staff
      Jonathan | September 9, 2015

      Hi Trish,

      Thanks for your inquiry.

      We can confirm that you can only start earning and redeeming points once you register for a membership under the Qantas Frequent Flyer program.

      You may also like to visit our own Qantas Frequent Flyer Program guide on this page.

      I hope this has helped.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated July 22nd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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