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Home | Credit Cards | No Annual Fee Credit Card | The Qantas American Express Discovery Credit Card
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The Qantas American Express Discovery Credit Card

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The Qantas American Express Discovery Credit Card combines a very rare combination of features - Qantas Rewards, $0 p.a. Annual Fee plus a low minimum income requirement of $35,000 p.a. (Which also applies for non residents)

Key features of The Qantas American Express Discovery Credit Card

  • No Annual fee - plus $0 annual fee for up to 4 supplementary cards.
  • 0% p.a. on balance transfers for the first 12 months - to help you save on interest repayments and pay your other balances sooner. A one-off 1% credit plan establishment fee applies and you can transfer up to 70% of your approved credit limit to a maximum of $10,000. This offer is for new applicants only.
  • Eligible for use with Google Pay, Apple Pay and Samsung Pay
  • 4 Supplementary cards - Pay no annual card fee for up to 4 Supplementary Cards for family members, all of which earn points to your account.
  • No points cap on the amount of Qantas Points you can earn
  • Automatic Points Transfer - Each month any points earned will be automatically transferred to your linked Qantas Frequent Flyer Account
  • Award Flights with Qantas & participating partners - points can be used for a one way, return or multi-destination Classic Award flight on over 50 partner airlines and 1,200 destinations globally.

Qantas Point earn rates

  • Earn 1 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
  • Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia

American Express World-Class Service

Qantas American Express Discovery Credit Card is packed with a generous range of services:

  • Access your account wherever you are in the world - via mobile phone, laptop or desktop computer
  • Stay organised - American Express provides online tools to view transactions, schedule payments, set up email or text message reminders for payments and keep tabs on your Qantas points
  • Global Card Support - account assistance any time of the day or night, 24/7.
  • Refund Protection - American Express will credit your account if you are refused a refund on an unused eligible item within 90 days of purchase
  • Purchase Protection - repairs or replaces eligible items if they are accidentally broken or stolen within 90 days of purchase
Credit Card Details
Provider American Express
Prestige Level Standard
Credit Card Type American Express
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.74%
Cash Advance Rate -
Interest Charged From Purchase date
Interest Free Period Up to 44 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 12 months
Balance Transfer Fee 1%
Balance Transfer Processing Time 10 - 14 days
Max. Balance Transfer 70% of your approved credit limit to a maximum of $10,000
Revert rate 20.74% p.a.
Benefits
Intro Offer No
Offer end date -
Rewards Program Qantas Rewards
Rewards Points Earn 1 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent. Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
Acceptance Criteria
Age to Apply 18
Min. Income $35,000
Residency Australia
Temporary residents Yes with 457 Visa
Min. Credit Limit $2,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment $30
Annual Fee $0
Over Limit Fee -
Duplicate Statement fee $10
Late Payment Fee $30
Min. Monthly Repayment % 2.50%
Max. Credit Limit $100,000
Cash advance fee -
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee $2.50
Complimentary travel insurance No

Am I eligible for this card?

Answer yes to these 4 questions and you are eligible to apply for the American Express Discovery Credit Card:

  1. I am over 18 years of age
  2. I have a personnel gross income of at least $35,000 p.a. (applicable for non residents)
  3. I have a good credit rating with no history of bad debt or payment default
  4. I am a permanent Australian resident or Australian Citizen or hold a current Business Long Stay Visa (sub class 457)

 

How to apply

To apply on line and get a response in 60 Seconds for the Qantas American Express Discovery Credit Card you’ll need the following information to hand:

  • An Australian Drivers License or passport for each applicant
  • A salary or wage slip for each applicant
  • Your employer’s details - including full address and telephone number.
  • Details of your assets, debts and any investments
  • The repayment amounts and balances owing on any liabilities including store and credit cards.
  • An email address
  • Your Qantas Frequent Flyer number (you can add this later)

Terms and Conditions: Read the Terms and Conditions for the The Qantas American Express Discovery Credit Card

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What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.