Qantas launches Qantas Premier Everyday Mastercard

Qantas launches Qantas Premier Everyday Mastercard

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 Mastercardyou'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.

Chris Chamberlin

Chris Chamberlin (ChrisCh)

[email protected] / @ChamberlinChris

Australian Business Traveller journalist Chris Chamberlin lives by the motto that a journey of a thousand miles begins with a single step, a great latte, a theatre ticket and a glass of wine!
 

10 Comments

  • Tim Carter

    Biggles1967

    6 Dec, 2017 03:18 pm

    Why would you even bother?
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  • eminere

    eminere

    6 Dec, 2017 03:48 pm

    Exactly. This is a bit pathetic tbh.
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  • JPeuty

    JPeuty
    Banned

    6 Dec, 2017 07:08 pm

    Not everyone can be a balla!
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  • mviy

    mviy

    6 Dec, 2017 03:22 pm

    Extremely low sign up bonus and yet the same regular spend needed to achieve it. Would only consider the QANTAS Premier Platinum Mastercard
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  • Benrett

    Benrett

    6 Dec, 2017 06:28 pm

    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.
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    Blake

  • wdeguara

    wdeguara

    7 Dec, 2017 11:28 am

    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.
    Member who gave thanks

    Blake

  • Bill NORTHBY

    Brython14

    7 Dec, 2017 12:34 pm

    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.
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  • Blake

    Blake

    7 Dec, 2017 01:29 pm

    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.

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    deegee93

  • kimshep

    kimshep

    7 Dec, 2017 04:44 pm

    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?

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  • Chris Chamberlin

    ChrisCh

    7 Dec, 2017 04:55 pm

    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. :)

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  • kimshep

    kimshep

    7 Dec, 2017 05:19 pm

    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.

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  • Chris Chamberlin

    ChrisCh

    7 Dec, 2017 05:24 pm

    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.
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  • Angelo Zanatta

    zanaange

    8 Dec, 2017 01:42 pm

    Hi There,

    When a proper review is taken, please provide some due diligence on the operations of any of the Qantas cards.(Everyday or Premier)
    I cancelled mine when I found out I couldn't download transactions as "csv" or any common accounting format(eg. MYOB or Quickbooks).
    Also, you couldn't schedule payment of a bill. It was an immediate payment or set up a direct debit. Direct debit is fine for regular bills but not for irregular bills. A distinct disadvantage.
    These were a deal breaker for me. I wasn't prepared to go back to paper and highlighter.

    The front office promoting the cards would say"yes, yes, you can download" but it wasn't until I talked to the technical staff they admitted this functionality was missing. However, promised it will eventuate but not commit to a timeframe.

    Until these items are resolved I'm not willing to compromise or consider the cards.

    Regards
    Angelo
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  • Chris Chamberlin

    ChrisCh

    8 Dec, 2017 02:10 pm

    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.

     
    Also, when it comes to scheduled payments, I presume you mean BPAY payments funded by the credit card. As these generally don't earn points (with points being the key feature of these cards), this functionality is also not covered in our reviews. You may be able to schedule automatic payments directly with the biller, though.
     
    Thank you for your feedback, and while we understand that some people have specific needs, we write for a broad audience, and encourage readers to do their own research if elements that are important to them aren't covered by our standardised review format.
     
    We'll also remind all readers that the comments area under articles is not the place to send direct messages to authors or editors, or to discuss the presentation of articles (that's what email is for): it's for readers to discuss the topic of articles among themselves. While we always welcome reader feedback, the comments section needs to remain relevant to the direct topic of each article, and further comments which are better-sent by email will be removed in the interest of keeping discussion on-topic and on-track.
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  • Dunc

    Dunc

    8 Dec, 2017 04:05 pm

    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.
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  • Ken Endacott

    bigken

    8 Dec, 2017 06:08 pm

    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?”
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  • charlesr

    charlesr

    8 Dec, 2017 06:43 pm

    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.
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19 Dec, 2017 09:29 am

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