Qantas Money Everyday Credit Card

What is the Qantas Money Everyday Credit Card?

The Qantas Money Everyday Credit Card is a rewards credit card designed for individuals who want to earn frequent flyer points on their daily spending. Issued by National Australia Bank (NAB) on behalf of Qantas Airways, this co-branded product directly benefits Qantas Frequent Flyer members.

Why you might consider this card

It offers a reliable way to boost your frequent flyer balance for an annual fee of A$99.00.

Consider this card for the following advantages:

• Welcome Bonus: Receive 8,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of approval.
• Everyday Earning: Earn 0.75 Qantas Points per AU$1 on domestic spend and 1 point per AU$1 on international purchases.
• Qantas Bonus: Earn 1 additional Qantas Point per AU$1 spent directly on eligible Qantas products and services.
• Balance Transfer Offer: Benefit from a 0% p.a. interest rate for 12 months on balance transfers.
• Complimentary Insurance: Access travel insurance that includes overseas medical emergency cover up to $1,000,000 and trip cancellation cover up to $20,000.

Click the button below if you like this card and think it’s the right one for you!

Turn Daily Purchases into Travel Rewards

Building up a healthy Qantas Points balance does not require expensive luxury spending. By using the Qantas Money Everyday Credit Card for your routine household bills, subscriptions, and daily purchases, your everyday budget actively contributes to your next holiday flight.

Accumulated Qantas Points can be redeemed across the extensive Qantas and partner airline network, offering redemptions for Classic Flight Reward seats, flight upgrades, car rentals, or merchandise through the Qantas Marketplace.

About Qantas Money

Qantas Money operates as a digital-first financial services brand directly linked to Australia's flagship national airline. While the consumer-facing brand carries the highly recognizable Qantas name, the underlying credit products are actually issued by National Australia Bank (NAB). This strategic hybrid positioning offers consumers a unique advantage in the local market, pairing digital convenience with robust institutional security.

Operating securely under ASIC regulation and an Australian Credit Licence, the issuer provides essential trust signals for cautious consumers. Cardholders can manage their day-to-day accounts through the highly-rated Qantas Money mobile application, which integrates easily with Apple Pay and Google Pay. The issuer's core product lineup focuses explicitly on bridging the gap between everyday household spending and the broader Qantas Frequent Flyer loyalty program.

Who this card is for

The Qantas Money Everyday Credit Card is tailored for Australian frequent flyers seeking a low-barrier entry point to earn ongoing travel rewards. It appeals strongly to modest spenders who prefer a predictable rewards structure in exchange for an annual fee of A$99.00. If your typical monthly credit card spending stays under the AU$3,000 threshold, you will successfully maximize the primary 0.75 points per dollar earn rate.

Additionally, individuals actively looking to aggressively consolidate existing high-interest debt can leverage the introductory balance transfer offer. The 12-month interest-free window provides a generous timeframe to pay down previous balances while shifting daily spending to a rewards-earning platform.

Who should avoid this card

Heavy spenders, large families, and frequent overseas shoppers will likely find this particular card highly restrictive. Once you exceed AU$3,000 in domestic purchases during a single statement period, your earning potential rapidly deteriorates.

Consider seeking a different financial product if you match these specific spending profiles:

• High-volume household spenders: The tiered domestic earning structure severely punishes users who put extensive recurring expenses on the card, dropping the earn rate to just 0.4 points per dollar.
• Online international shoppers: A hefty 3% international transaction fee automatically applies to all purchases processed overseas, even if the transaction is seemingly billed in Australian dollars.
• Revolving balance carriers: With a high ongoing purchase rate of 20.99% p.a., carrying month-to-month balances will instantly erase the financial value of any accumulated airline points.