How to apply for your Qantas American Express Discovery Card

The Qantas American Express Discovery Card is a fantastic option for Australians who want to turn everyday purchases into exciting travel opportunities, without the hassle of complex reward structures.

With this card in your wallet, you can effortlessly earn Qantas Points on your usual expenses, whether it’s groceries, fuel, dining out, or shopping online.

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What sets it apart is the balance it strikes between simplicity and value. With a manageable annual fee and complimentary travel insurance included, this card helps bring your next adventure within reach sooner.

The points add up naturally as you go about your day, making it an ideal choice for people who want steady rewards without needing to chase promotional offers or navigate confusing tiers.

This card truly shines for regular, everyday spending rather than large, one-off purchases, and it’s best suited for those who pay off their balance in full each month to make the most of the rewards without incurring interest.

If you’re after a no-fuss, reliable way to collect Qantas Points and work towards your travel goals, the Discovery Card makes it easy.

Benefits: Earn Qantas Points on everyday spend with travel benefits

Here are six standout reasons why the Qantas American Express Discovery Card offers real value for everyday Aussie life:

1. Earn 1.75 Qantas Points per $1 on everyday purchases

Get rewarded faster — earn 1.75 Qantas Points for every $1 spent on most everyday purchases, 0.75 Points on card purchases, and 0.5 Points per $1 at government agencies. From groceries and fuel to dining out, every tap gets you closer to your next flight.

2. No annual fee – ever

That’s right — this card comes with no annual fee, making it one of the most accessible ways to earn Qantas Points with no ongoing cost.

3. Built-in purchase protection and peace of mind

Eligible items bought with your card are protected against theft or accidental damage, and if a store refuses to accept a valid return, you could get a refund directly from American Express.

You’re also backed by fraud protection and emergency card replacement, virtually anywhere in the world.

4. Plan It™ Parcelments for flexible budgeting

Need a little breathing room? With Plan It™, you can split your balance into equal monthly instalments — no interest, just a small fixed monthly fee. It’s a simple way to stay on top of your finances.

5. Seamless digital payments

Pay quickly and securely with your favourite devices — the card is fully compatible with Apple Pay, Google Pay™, and Samsung Pay, so you can tap and go without needing your wallet.

6. Global acceptance and Amex Offers

Use your card at millions of locations worldwide and enjoy regular deals on shopping, dining, travel and more through the American Express app.

7. Competitive interest-free period

Enjoy up to 44 days interest-free on purchases when you pay your balance in full and on time each month. This grace period gives you flexibility to manage your cash flow without paying interest on everyday spending.

8. Accessible credit limit

The Qantas American Express Discovery Card comes with a minimum credit limit of $2,000, making it an accessible entry point for those looking to start earning Qantas Points and enjoying premium benefits — all while keeping spending in check.

Requirements

To apply, you generally need to:

• Be at least 18 years old
• Hold Australian citizenship, permanent residency, or a long-term visa
• Show proof of stable income (payslips, tax returns, Centrelink)
• Have a solid credit history
• Possess a Qantas Frequent Flyer account (or sign up during application)

Pros and cons this card

Pros:

• Stable Qantas Points on daily spend
• No annual fee
• Up to 44 days
• Purchase insurance and fraud protection

Cons:

• Interest charges apply if you carry a balance
• Cash advance fee
• Not a premium status card or lounge access or full insurance

Fees and charges

Here’s a clear breakdown of what to expect with the Qantas American Express Discovery Card, so there are no surprises along the way:

• Annual fee: $0. Yes, really — there’s no annual fee, making this one of the most affordable ways to earn Qantas Points without any ongoing cost.
• Purchase interest rate: 23.99% p.a. A standard rate for rewards cards. To maximise the value of your points and benefits, it’s ideal to pay off your balance in full each month and take advantage of the up to 44 days interest-free on purchases.
• Cash advance fee: 2.5% or $30 (whichever is greater). Cash advances attract a higher fee, so they’re best reserved for true emergencies.
• Late payment fee: A fee applies if you miss your due date ($30), but Amex offers helpful reminders and a grace period to help keep you on track.

Target audience

This card is ideal for:

• Everyday Aussies who want rewards for routine expenses
• Budget-aware spenders who pay off their balance monthly
• Young professionals and families who value simplicity and travel value
• It’s less suitable for users who need premium lounge access or big sign-up bonuses on premium spending.

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Step-by-step guide to apply for the card

• Visit the Amex Qantas Discovery card page
• Check eligibility criteria (age, residency, income, points account)
• Click Apply now, complete secure form with your details
• Upload ID and proof of income documents
• Submit and await approval—generally instant to a few days
• Receive your card in a few business days

How to unlock the card

Once your card arrives:

• Log into the American Express app or website
• Tap Activate card and follow prompts
• Alternatively, call the number on the card sleeve
• Add it to your Apple, Google or Samsung Wallet, then tap away

Customer service

Need help? Reach out via:

• Phone: 1300 364 931 from Australia​, +612 9271 4110 from overseas​.
• Online chat: via Amex website during business hours
• Secure messaging: within your Amex app
• Qantas Partner support: for point-related queries

Amex Contact Us page for forms and email support.

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Turn everyday spending into your next adventure

The Qantas American Express Discovery Card offers a simple, rewarding way to turn your everyday purchases into meaningful travel perks.

With a manageable annual fee, solid points-earning potential, and handy extras like travel insurance, it’s a smart choice for Aussies who want to get more out of their regular spending.

Backed by the trusted names of American Express and Qantas, this card helps bring your next getaway within reach, without adding unnecessary complexity to your wallet.

If you’re ready to let your daily spend work a little harder, the Discovery Card could be just what you’re looking for.