Offers up to 8,000 bonus Qantas Points, complimentary travel insurance and a relatively competitive $99 annual fee.
The Qantas Premier Everyday Mastercard doesn't have the biggest bonus points offer on the market and, unlike many other offers, the bonus points are awarded based on each $1 you spend. That means, to collect the maximum 8,000 bonus Qantas Points on offer, you’d need to spend $4,000 in the first 4 months – an average of around $1,000 per month. That spend requirement is still competitive when compared to other frequent flyer cards with low annual fees.
To give you an idea of your points potential, you could use 8,000 Qantas Points for a one-way economy flight from Brisbane to Sydney (8,000 points). If flying isn’t on the cards yet, you could also use these points to get $25 worth of Woolworths WISH digital gift cards through the Qantas Marketplace (5,220 points for one $25 gift card).
Keep in mind that points per $1 spent are the main Qantas Frequent Flyer benefit on this card, so if you want a bigger bonus points offer or perks like Qantas Club lounge invitations and discounts, you could consider the Qantas Premier Platinum Mastercard.
Pros | Cons |
|---|---|
Earn 2 bonus Qantas Points per $1 spent on eligible purchases (up to 8,000 bonus Qantas Points) | Balance transfer offer charges a one-time 2% BT fee |
Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period (2,250 points) and 0.4 points per $1 spent thereafter | Charges a 3% foreign transaction fee |
Access to complimentary overseas travel insurance | Domestic spend threshold of $3,000 before lower points earn rate kicks in is low |
The Qantas Premier Everyday Mastercard is designed for frequent flyers who want a competitive Qantas Point earn rate without a high annual fee. You will earn 2 bonus Qantas Points per $1 spent on eligible purchases that you make in the first 4 months from card approval, up to a total of 8,000 bonus Qantas Points. These bonus points are in addition to the ongoing earn rate of 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period (0.4 Qantas Points per $1 spent thereafter). While there are Qantas credit cards that offer higher earn rates than this, most of them also have annual fees a lot higher than this card's $99.
Details of Qantas Premier Everyday Mastercard
Product Details
Product Name | Qantas Premier Everyday |
Balance transfer rate p.a. | 0% for 12 months with 2% balance transfer fee, then 21.99% |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | Purchase rate p.a. 19.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $4,000 |
Card type | Mastercard |
Eligibility
Available to temporary residents | No |
Minimum income | $35,000 |
Joint application | No |
Rewards
Rewards program | Qantas Frequent Flyer |
Bonus points | 8,000 |
Rewards points per $ spent | 0.75 |
Fee
Annual fee | Annual fee $99 |
Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
Late payment fee | $30 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | 3% or $3, whichever is greater |
Overseas cash advance fee | $5 |
Additional cardholder fee | $25 |
Number of additional cardholders | 4 |
How to Apply
You can apply for the Qantas Premier Everyday Mastercard online in 10 minutes. To get started, make sure you meet the eligibility requirements and have the relevant documents and details on hand.
Eligibility Criteria
Income. You must earn at least $35,000 per year to apply for this card.
New customer. You won't be eligible to apply for this card if you are the primary cardholder of another Qantas Premier credit card account. You will be ineligible for the bonus points if you are currently a primary cardholder of another Qantas Money credit card, or have closed, or qualified for bonus Qantas Points on one of those credit cards within the last 12 months.
Qantas Frequent Flyer. You must be a Qantas Frequent Flyer member to apply for this card. If you're not already a member, you can join for free during the application.
Residency. You must be an Australian citizen or permanent resident to apply for this credit card. You also need to have an Australian residential address and mobile phone number.
Eligible balance transfer debt. If you plan to make use of the balance transfer, you can transfer up to 80% of your available credit limit.
Age. You must be at least 18 years old to apply for a credit card in Australia..
Required Documents
Personal details. This includes your full name, date of birth, Australian residential address, email address and an Australian mobile phone number.
Identification. This includes your driver's licence, passport or Medicare number.
Employment. Provide details of your current employer, role, salary and your employer's contact details. You may also be asked to submit recent payslips or your work agreement as supporting documentation. If you're self-employed, you should provide details of your tax accountant and recent Tax Assessment Notices.
Finances. List any assets (like savings or investments) and debts (such as existing cards or loans) that you have. You'll also be asked to estimate your regular expenses for essentials such as food, housing and utilities.
Balance transfer details. You'll need to provide the name of the financial institution, BPAY reference number and the amount you want to transfer available.
This straightforward application process is designed to accommodate Australians searching for an effective credit card solution that manages existing debt efficiently while offering new purchasing power.
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