The Qantas Money Everyday credit card is designed for people who want more from their everyday purchases.
Among travel credit cards, it offers an appealing combination of uncapped Qantas Points earning, a $99 annual fee and an introductory bonus of 8,000 Qantas Points when eligible spending conditions are met.
Cardholders can also access complimentary travel insurance benefits, digital wallet payments and a promotional balance transfer offer. For those who regularly shop, travel or spend with Qantas, these features could make everyday transactions more rewarding.
Qantas Money Everyday credit card: the best credit card for earning Qantas Points on everyday purchases
Imagine collecting Qantas Points while paying for groceries, shopping online or booking your next trip. That’s the attraction of a travel credit card built around everyday spending.
Qantas Money Everyday earns 0.75 Qantas Points per whole AU$1 on eligible domestic purchases up to and including AU$3,000 per statement period, then 0.4 points per whole AU$1 thereafter.
Eligible international purchases earn 1 Qantas Point per whole AU$1 equivalent, while eligible Qantas spending earns an additional 1 point per whole AU$1.
There’s no overall cap on the number of Qantas Points you can earn, making regular spending an opportunity to keep building your points balance.
The benefits extend beyond points.
For Australians comparing travel credit cards, Qantas Money Everyday offers complimentary travel insurance with overseas medical emergency cover of up to $1,000,000 and trip cancellation cover of up to $20,000 for eligible travel booked using the card, subject to conditions and exclusions.
Cardholders can also activate participating shopping offers to earn additional Qantas Points on eligible purchases.
Plus, new cardholders who spend at least $3,000 on eligible purchases within 90 days of approval can receive 8,000 bonus Qantas Points. It’s an opportunity worth exploring if the spending requirement fits purchases you would make anyway.
Is a Qantas Money credit card worth it?
Qantas is one of Australia’s best-known aviation brands, with an established frequent flyer programme that connects everyday spending with travel rewards.
The Qantas Money Everyday credit card builds on that experience by offering an international credit card designed to earn Qantas Points on eligible domestic, international and Qantas purchases.
Its compatibility with Apple Pay and Google Pay also makes contactless payments convenient, while participating card offers provide opportunities to earn additional points at selected retailers.
For customers researching travel credit cards, the Qantas Money Everyday credit card could offer attractive value when the rewards and insurance benefits match their spending and travel habits.
The $99 annual fee is relatively accessible compared with many premium rewards cards, and the 8,000-point welcome bonus provides an additional incentive for eligible new cardholders.
However, the 20.99% p.a. purchase interest rate means carrying a balance could quickly outweigh the value of points earned.
The card is therefore particularly worth considering for people who can manage their spending carefully and pay their eligible statement balance in full to avoid purchase interest.
What are the eligibility requirements for a Qantas Money credit card?
To apply for the Qantas Money Everyday credit card, you’ll need to meet the following eligibility criteria:
- Meet the minimum age requirement specified by Qantas Money.
- Satisfy the applicable Australian residency requirements.
- Meet Qantas Money’s income and credit assessment criteria.
- Provide personal identification and contact information requested during the application.
- Supply details of your income, employment, expenses and existing financial commitments as required.
- Meet any additional conditions applicable to the card or introductory offers.
- For the 8,000 bonus Qantas Points offer, spend at least $3,000 on eligible purchases within 90 days of card approval.
The supplied product information does not specify the card’s exact minimum age, residency or income requirements. These should be confirmed directly with Qantas Money before beginning a credit card application.
Meeting the applicable requirements does not guarantee approval, and bonus points eligibility is separate from credit approval.
How to apply for the credit card
- Step 1: Visit the official Qantas Money Everyday credit card website and review the card’s rates, fees, rewards and introductory offers.
- Step 2: Check the current credit card eligibility requirements, including any age, residency, income and credit assessment conditions.
- Step 3: Review the 8,000 bonus Qantas Points offer and confirm that the $3,000 eligible spending requirement within 90 days fits your budget.
- Step 4: Prepare the personal, identification and financial information requested by Qantas Money.
- Step 5: Select the official application option to begin your credit card application.
- Step 6: Complete the required details and review the card’s annual fee, interest rates, rewards conditions and balance transfer terms.
- Step 7: Submit your application and wait for the issuer’s assessment and decision.
- Step 8: If approved, follow the instructions provided to activate your card, set up eligible digital wallet payments and start earning Qantas Points on qualifying purchases.
Frequently asked questions
How does interest work on the Qantas Money Everyday credit card?
The Qantas Money Everyday credit card has a retail purchase interest rate of 20.99% p.a. and a cash advance rate of 21.99% p.a.
Cardholders can receive up to 44 interest-free days on eligible purchases when the applicable repayment conditions are satisfied.
The card also offers 0% p.a. on eligible balance transfers for 12 months, subject to a 3% balance transfer fee. After the promotional period, any remaining transferred balance reverts to the cash advance interest rate of 21.99% p.a., based on the supplied product information.
Balance transfers from certain issuers are not accepted. Additional conditions and charges may apply.
How can I increase the credit limit on my Qantas Money Everyday credit card?
If you want to request a higher credit card limit, contact Qantas Money through its official customer support channels to check whether credit limit increases are available.
The issuer may need to review your income, expenses, existing financial commitments and credit history before making a decision.
Any increase is subject to the applicable lending criteria and approval. A higher credit limit is not guaranteed.
How can I pay my Qantas Money Everyday credit card statement?
You can check your Qantas Money credit card statement and account information to find the supported repayment methods and payment instructions.
To avoid purchase interest where the interest-free period applies, aim to pay the required statement balance in full by the due date.
If you’re using the promotional balance transfer offer, review the repayment conditions carefully. Paying only the minimum amount may extend the time needed to clear your debt and result in interest charges after the promotional period ends.
How can I cancel my Qantas Money credit card?
To cancel your Qantas Money Everyday credit card, contact Qantas Money through its official customer support channels and request account closure.
Before cancelling, check for outstanding balances, pending transactions, recurring payments and any active balance transfer arrangements.
You should also review any outstanding Qantas Points-related conditions or promotional requirements that may be affected by closing the account.
The issuer can explain the steps required to settle your balance and complete the cancellation process.