Qantas American Express Discovery card

Credit Card Review: Qantas American Express Discovery card

What's Hot

  • Earns 1 Qantas Point per $1
  • No points capping
  • Earn up to 7,500 bonus points

What's Not

  • AMEX card acceptance trails Visa and MasterCard


  • No annual fee


Earning one Qantas frequent flyer point per dollar spent with no annual fee and no points cap, the Qantas American Express Discovery card certainly packs a punch.

You'll also pick up double points when using the card to book flights through Qantas or when taking out or renewing a Qantas Club membership: a nice bonus atop an already-free serve of points.

It's an ideal card for those focussed solely on their frequent flyer balance yet also serving as a great entry-level card if you're new to the world of American Express – here's how it stacks up.

Qantas American Express Discovery Card: fast facts

  • Grade/tier: Standard, entry-level
  • Card type: American Express
  • Loyalty program: Qantas Frequent Flyer
  • Qantas Points earned per dollar (everyday purchases): 1.0
  • Qantas Points earned per dollar (Qantas spend): 2.0
  • Points capping/tiering: Uncapped
  • Minimum income requirement: $35,000 p.a.
  • Minimum credit limit: $2,000

Fees, charges, balance transfers and interest:

  • Annual fee: $0
  • Additional/supplementary cardholder fee: $0
  • Interest-free days on purchases: Up to 44
  • Interest rate on purchases: 20.74% p.a.
  • Interest rate on cash advances: Not offered
  • International transaction fee: 3.0%

Earning frequent flyer points for free flights

New cardholders who spend $750 on the card within the first three months and you'll earn an easy 5,000 bonus Qantas Points in addition to what you'd usually pocket per dollar spent: and once your card is used with Qantas for the first time, that's pushed to a further 2,500 bonus points.

With a Sydney-Melbourne economy hop only requiring 8,000 Qantas Points plus a small payment in taxes and fees when booked, you'll be more than set after making that minimum spend and paying for a flight with Qantas to unlock that second batch of bonus points.

(This offer isn't available to cardholders who hold or who have previously held another consumer card issued directly by American Express Australia within the past 18 months.)

Thereafter, you'll earn enough points to book the same flight after $8,000 spent on everyday purchases or a lower $4,000 spent with Qantas.

Free refund protection, purchase protection cover

While Gold- and Platinum-grade frills such as free travel insurance are expectedly absent, the Discovery card instead provides customers with both refund and purchase protection.

It's quite the generous offer for a no-fee card, insuring certain goods for 90 days from the purchase date against damage or theft when they were paid for with the Discovery card.

Underwritten by ACE Insurance Limited, you're covered for up to $2,500 in any one claim and up to $10,000 in any year after paying an excess of $50 per person, per claim.

Additionally, if you're refused a legitimate refund on certain unused items within the same time period, you may be eligible for a credit from the insurer for the same amount.

How it compares to other cards

If you normally spend where American Express is accepted such as with major airlines, hotels, car hire companies and chain stores plus most petrol stations, supermarkets, restaurants and more, there's nothing better than earning points for free!

However, AMEX card acceptance can be a little patchy with smaller 'mum and pop' businesses, in country areas and with certain government bodies, which can make having a backup Visa or MasterCard in your wallet a smart move.

Follow Australian Business Traveller on Twitter: we're @AusBT


24 Oct, 2016 03:02 am


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