Disclaimer
Executive Traveller may receive a commission when you apply for these credit cards via our links.
The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your own personal circumstances before applying for any financial product.
Qantas is expanding its own-brand credit card family with the Qantas Premier Everyday Mastercard: a low annual fee card with equally modest points earning abilities to slide in under the Qantas Premier Platinum Mastercard.
Clocking in at $49 per year, cardholders can pocket 0.75 Qantas Points per dollar spent in Australia up to $3,000 per month, and 0.4 Qantas Points per dollar thereafter.
Spending in foreign currencies attracts a higher one Qantas Point per dollar spent, uncapped – but with a 3% international transaction fee – while transactions made directly with Qantas such as booking flights or purchasing Qantas Club membership accrue up to 1.75 Qantas Points per dollar spent.
After spending $3,000 each month within Australia, purchases made directly with Qantas earn a reduced 1.4 Qantas Points per dollar spent instead, as Qantas awards one bonus point per dollar spent on these transactions on top of the applicable Australian earn rate.
There's a sign-up bonus of 20,000 Qantas Points contingent on spending $3,000 within 90 days of the card being approved, plus complimentary travel insurance – but unlike the Qantas Premier Platinum Mastercard, you'll forego extras like airport lounge access and discounts on Qantas flights.
Having an additional cardholder on the account costs an extra $25 per year.
How the Qantas Premier Everyday Mastercard compares
The Qantas Premier Everyday Mastercard is very much an entry-level card for frequent flyers – but there are other options to consider before you sign on the dotted line.
For example, the Qantas American Express Discovery Card churns out one Qantas Point per dollar spent on most purchases, uncapped; two Qantas Points per dollar spent with Qantas (such as on flights and Qantas Club membership), and 0.5 Qantas Points per dollar spent with government bodies, with no annual fee.
Of course, that relies on American Express being accepted where you shop the most, so you could opt to carry both cards in your wallet: using AMEX where it’s welcome and the Everyday Mastercard everywhere else in Australia, and on all overseas purchases where it attracts more points.
For higher spenders, the Qantas Premier Platinum Mastercard instead offers one Qantas Point per dollar spent within Australia up to $10,000 per month and 0.5 Qantas Points per dollar spent thereafter, against a $149 annual fee in the first year and $299 in subsequent years.
The Premier Platinum card also delivers a higher earn rate on foreign currency spend, being 1.5 Qantas Points per $1 spent, and on transactions with Qantas when spending less than $10,000 per month, with the total earn rate being two Qantas Points per dollar spent.
Qantas Premier Platinum cardholders who have spent over $10,000 per month in Australia instead collect 1.5 Qantas Points per dollar spent directly with Qantas on purchases exceeding that monthly threshold, but could be earning two Qantas Points on the same via the Qantas AMEX Discovery Card.
Disclaimer
Executive Traveller may receive a commission when you apply for these credit cards via our links.
The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your own personal circumstances before applying for any financial product.
Chris is a a former contributor to Executive Traveller.
Qantas - Qantas Frequent Flyer
25 Jul 2017
Total posts 3
Why would you even bother?
Qantas - Qantas Frequent Flyer
25 Sep 2013
Total posts 1252
Exactly. This is a bit pathetic tbh.
07 Nov 2017
Total posts 29
Not everyone can be a balla!
05 May 2016
Total posts 634
Extremely low sign up bonus and yet the same regular spend needed to achieve it. Would only consider the QANTAS Premier Platinum Mastercard
13 May 2013
Total posts 6
The modest annual fee is somewhat appealing as a low spend secondary card to mop up where AMEX isn't accepted. I have no desire throwing $300 on the Platinum card just to get an extra 0.25 domestic point earn a couple of unneeded digital lounge passes.
Etihad - Etihad Guest
06 Apr 2012
Total posts 120
Agree. Particularly if you don't typically expect to charge more than $3000 per period to the card. For example, when compared against the ANZ Frequent Flyer Platinum card, both the Qantas and ANZ cards accrue 0.75 Qantas Points per $1 up to $3,000 per period. The key difference being that the ANZ card costs $295/year vs $49/year for the Qantas card.
Qantas - Qantas Frequent Flyer
22 Oct 2016
Total posts 11
To be honest I am very disappointed in the credit card offerings by QANTAS, maybe I was unreasonably expecting better.
By any measure comparison, anyone who is a big user of credit cards would be better off looking elsewhere as the QANTAS offerings just don't stack up. Stingy is a word that readily comes to mind.
03 May 2017
Total posts 22
probably not the ideal credit card for the hard core traveller that frequents this website. But at $49 a year its the cheapest Qantas earning Visa/MC, and a 0.75% earn is still very high. You have to pay at least $200 a year for that earn rate anywhere else.
Its hard to tell what anyone could be disappointed about, this product is a market leader for low annual fee Qantas points earner.
Qantas - Qantas Frequent Flyer
11 Oct 2014
Total posts 681
No mention of any interest rate for those who may 'carry over' a balance? I would expect to see this as a fundamental piece of information on any credit card review, Chris.
Frequent Flyer points and signup bonuses may be at the heart of a review, but omitting the interest rate is a disservice to your readers. Is this a low-interest card or a high-interest stinger?
24 Apr 2012
Total posts 2514
Hi kimshep, this isn't a review: this is a brief news piece centred on the card's launch which highlights only the key reward rates and annual fee, which are the product's focus, and how they sit in the market compared to key existing cards. Readers can find further information about the card on the Qantas Money website.
If we publish a full review of the card at a later date, the purchase and cash advance APRs would be included, as with all credit card reviews, in our standard format.
We'll also remind that the comments section is provided for readers to discuss the topic of an article amongst themselves, not to discuss the presentation of an article directly with the writer or editor (that's what email is for). We've explained this before, as this is covered in our published Comment Policy. :)
Qantas - Qantas Frequent Flyer
11 Oct 2014
Total posts 681
Thank you for your reply.
Given that this is a 'public' forum, I am not criticising what has been written - only the omission of rate information. Perhaps, to benefit us readers, maybe you could consider titling credit card items as either 'News:' or 'Review:' included in the article title? It would help define this fine line more clearly.
24 Apr 2012
Total posts 2514
Hi kimshep, thank you for your feedback. Reviews always include the word 'review' in the headline: anything else is not a review, and we feel this is sufficiently straightforward.
03 Aug 2017
Total posts 5
Hi There,
24 Apr 2012
Total posts 2514
Hi Angelo, being personal credit cards as opposed to business credit cards, features like MYOB syncing aren't included or assessed in our reviews, because people using the card for its intended purpose (personal purchases) don't need those features. We only mention those in business credit card reviews (MYOB etc. being business software), and use the same review format for all personal credit cards to be fair to all card issuers.
30 Sep 2011
Total posts 46
Is it just me? This is what I do. Know the households annual dollar spend on cards and be prepared to show proof to some cards. I then ring up the card company/bank concerned and say what can you do for... I start out at half the annual card spend and go up from there, guarantee to spend that amount is critical. With luck every couple of years we buy a car which bumps up the spend and your bargaining power. Don't pay any annual fee even with Amex, on any of the cards I have used for years. Haven't paid an overseas transaction commission for 3 or 4 years. If you have money in an institution or even a debt with one this is an additional form of bargaining power even if the Opening Offer is not that hot. We churn, we know what we spend and next Feb we have the dollar spend to go shopping with Qantas for the first time, we'll see.
Qantas - Qantas Frequent Flyer
02 Nov 2014
Total posts 23
As a retiree, every year I travel overseas for a long holiday, usually in business class, plus several domestic trips. When it comes getting new credit cards, my applications are invariably declined seemingly because I have a very low taxable income. However, I have a substantial non taxable pension but a question about this is not included in application forms. The application forms from different suppliers are almost identical and I gather that the one company (American Express?) vets the applications for most of the card providers and they use a formula that does not cover my situation.
Therefore, my question is: “who vets the applications for Qantas cards?”
Qantas - Qantas Frequent Flyer
03 Oct 2012
Total posts 10
My situation is very similar to bigken; retired with plenty $$$$ in my super fund plus draw down a healthy tax-free monthly sum. I'm QF gold f/f, take several o/s bus class trips a year, last year started returning from Europe in first class, so spend quite a bit of money with Qantas annually. I applied for the Qantas premier platinum card several months ago & could not believe it when the application was declined. No explanation offered & no discussion entered into. I tried talking to Citibank but they were not interested.
Hi Guest, join in the discussion on Qantas launches Qantas Premier Everyday Mastercard