Qantas Money

Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/ Australian Credit Licence 237879.

Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. 

This product is only available to Australian residents who are Qantas Frequent Flyer members. 

All lending interest rates are subject to change. Fees and charges may be applicable and can be found on the Rates and Fees page online.

Comparison rate: The comparison rate displayed is calculated for a Qantas Money Home Loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Upfront and ongoing Qantas Points offer: Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Qantas Frequent Flyer members will also earn an annual bonus of 100,000 Qantas Points which accrues three months after the settlement anniversary of their Qantas Money Home Loan up to 30 years, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. In the instance of joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless you opt to either split the points between the secondary or primary applicant or award the points in full to the secondary applicant. 

You’ll need to provide your Frequent Flyer number at the time of applying for your home loan.

Qantas Points will be credited to your Qantas Frequent Flyer account within eight weeks of settlement. 

Qantas Pay is a prepaid Mastercard® payment facility (previously known as Qantas Travel Money built into the back of the Qantas Frequent Flyer Membership Card.) Qantas Travel Money is no longer available for sale. To be eligible to receive the Qantas Pay card, you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131 (the Issuer) issues Qantas Pay under arrangements between it, Qantas Airways Limited (AFS representative number 261363) and Mastercard Prepaid Management Services Australia Pty Ltd (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Ltd distributes Qantas Pay (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Ltd for the purposes of providing general financial product advice with respect to Qantas Pay).

Mastercard Prepaid Management Services Australia Pty Ltd and Qantas earn foreign exchange revenue from Qantas Pay transactions. Mastercard Prepaid Management Services Australia Pty Ltd receives a processing fee from domestic Qantas Pay "point of sale" transactions. Qantas receives revenue generated by Qantas Pay transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia Pacific/Pte Ltd.

This information is not personal advice and has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the Qantas Pay facility having regard to those matters. View the Product Disclosure Statement (PDS) [PDF] in respect of Qantas Pay. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility. Consider Target Market Determination (TMD) [PDF] and Financial Services Guide (FSG) [PDF].

Qantas Pay is unable to be used for purchases related to gambling or adult entertainment. Currently Qantas Pay cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan, Syria, Donetsk and Luhansk. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries and geographical regions, your request will be declined. Additionally, all Mastercard cards will not work at Russian merchants or ATMs. In addition, ATMs or POS terminals may not be owned or operated by the Issuer or Mastercard Prepaid Management Services Australia Pty Ltd and the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd are not responsible for ensuring that merchants will accept the Qantas Pay card. For example, the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Qantas Pay card. In such cases, your Qantas Pay card may not function properly or may be declined. For more information please see the Product Disclosure Statement [PDF].

Mastercard General Terms and Conditions apply. Visit mastercard.com.auOpens in a new tab or window for details.

To be eligible to receive Qantas Pay you must be an Australian resident, Qantas Frequent Flyer member, 16 years of age or older. 

Eligible purchases do not include money orders, traveller’s cheques, gambling chips, adult entertainment, or purchasing foreign currencies in cash of the making of payment(s) towards any credit cards, loans or other financial debt that is not incurred with respect to goods and services. You do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred. Qantas Points are earned as follows: 1.5 Qantas Points per A$1 spent in foreign currency and 1 Qantas Point per A$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Pay Daily Rate as defined in the PDS, and may vary daily. For more information see qantasmoney.com/qantas-pay or contact Mastercard Qantas Pay Global Support. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. 

Supported Currencies: The currencies supported are detailed on the currencies page or in the PDS (PDF). 

Exchange Rates: Exchange rates for initial loads and subsequent reloads made using Bank Transfer, BPAY or Instant Load via qantastravelmoney.com will be set at the prevailing exchange rate set out at qantastravelmoney.com at the time you request the load provided the transaction is settled within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via qantastravelmoney.com). If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility. For more information on how exchange rates are set and applied, please see the Product Disclosure Statement (PDF). A foreign exchange rate will not apply on purchases when you load your Qantas Pay with one of 10 foreign currencies supported by the product and transact in that same currency. A foreign exchange rate will apply to foreign exchange transactions in accordance with clause 7 of Part B of the Qantas Pay PDS (PDF). A 0.5% fee applies to debit card loads.

You will need to use your Frequent Flyer number when you activate your card, load currency, log in to the Qantas Money App or need to get in contact with us. Your Frequent Flyer number appears on your Qantas Frequent Flyer card which is also your Qantas Travel Money card. 

Points will be added to your account within six to eight weeks of using your Qantas Pay card.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901. NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the products.

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.auOpens in a new tab or window for more information.

To apply for a Qantas Premier credit card, you must be an Australian resident, Qantas Frequent Flyer member, and aged at least 18 years old. 

Earn Rate: Earn rate for the Qantas Premier Everyday credit card: 1 Qantas Point per whole A$1 equivalent on International Spend; 0.75 Qantas Points per whole A$1 on Domestic Spend up to and including A$3,000 each Statement Period, 0.4 Qantas Points per whole A$1 spent above A$3,000 each Statement Period: plus 1 Additional Qantas Point per whole A$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from Qantas Shopping Rewards StoreOpens in a new tab or window and Qantas WineOpens in a new tab or window. See Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window.

Interest Free Period: The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

Annual Fee: The annual account keeping fee, currently $49, will be billed to your account on card activation for the first year, and on the anniversary of your card approval in subsequent years. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees are subject to change.

When applying for a Qantas Premier credit card you’ll need to provide your Frequent Flyer number.  

Points will be credited to your Frequent Flyer account within six to eight weeks of meeting spend criteria. 

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901. NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the products.

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

To apply for a Qantas Premier credit card, you must be an Australian resident, Qantas Frequent Flyer member, and aged at least 18 years old. 

Earn Rate: Earn rate for the Qantas Premier Platinum credit card: 1.5 Qantas Point per whole A$1 equivalent on International Spend; 1.0 Qantas Point per whole A$1 on Domestic Spend up to and including A$10,000 each Statement Period, 0.5 Qantas Points per whole A$1 spent above A$10,000 each Statement Period: plus 1 Additional Qantas Point per whole A$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from Qantas Shopping Rewards Store and Qantas Wine. See Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window.

Complimentary Lounge Invitations: The Qantas Premier Platinum Primary Cardholder is entitled to two single entry complimentary lounge invitations per anniversary year for use at domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) in accordance with the Qantas Premier Credit Card Airline Benefit Terms and ConditionsOpens in a new tab or window. Use of the lounge invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions.

Complimentary Travel Insurance: Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions, excess, limits and exclusions set out in the Complimentary Travel Insurance Terms and ConditionsOpens in a new tab or window arranged under a master policy of insurance between Chubb and Citigroup Pty Limited ABN: 88 004 325 080 AFSL No: 238098 Citigroup Centre 2 Park Street Sydney.

When applying for a Qantas Premier credit card you’ll need to provide your Frequent Flyer number.     

Points will be credited to your Frequent Flyer account within six to eight weeks of meeting spend criteria. 

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901. NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the products.

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

To apply for a Qantas Premier credit card, you must be an Australian resident, Qantas Frequent Flyer member, and aged at least 18 years old. 

Earn Rate: Earn rate for the Qantas Premier Titanium credit card: 2 Qantas Points per whole A$1 equivalent on International Spend; 1.25 Qantas Points per whole A$1 on Domestic Spend up to and including A$12,500 each Statement Period, 0.5 Qantas Points per whole A$1 spent above A$12,500 each Statement Period: plus 2 Additional Qantas Points per whole A$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from Qantas Shopping Rewards Store and Qantas Wine. See Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and ConditionsOpens in a new tab or window.

Bonus Status Credits: The Bonus Status Credits are awarded to the Qantas Frequent Flyer member who holds a Qantas Premier Titanium credit card and flies on a flight booked with a Qantas Premier Titanium credit card. Bonus Status Credits are only earned on Qantas operated and marketed flights and must be booked using the Qantas Premier Titanium credit card. The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership nor can a Platinum One member use the status credits to retain the Platinum One membership status. Bonus Status Credits will also not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, Platinum One Member additional benefits and will not be earned in conjunction with other Status Credit promotions unless otherwise specified. The bonus Status Credits offer is subject to change. For full terms and conditions see the Qantas Premier Titanium Credit Card Benefit Terms and ConditionsOpens in a new tab or window.

Complimentary Lounge Invitations: The Qantas Premier Titanium Primary Cardholder is entitled to two complimentary single-entry Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne or Los Angeles and two single-entry complimentary Lounge Invitations for use at domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) per anniversary year in accordance with the Qantas Premier Titanium Credit Card Benefit Terms and ConditionsOpens in a new tab or window. Use of the Lounge Invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions. The Lounge Invitation is transferable to another passenger travelling with the primary cardholder when travelling under the same booking. The Primary cardholder is unable to transfer a First Lounge Invitation to another Qantas Frequent Flyer member that is not on the same booking as them. View Qantas lounge locations.

When applying for a Qantas Premier credit card you’ll need to provide your Frequent Flyer number.

Points will be credited to your Frequent Flyer account within six to eight weeks of meeting spend criteria.