You are looking for a Qantas rewards card that has a high earn rate, no point cap, and a ton of helpful perks. Also, you never want to pay an annual charge.
Surely such a card could not exist. That is asking too much.
The Qantas American Express Discovery card checks all the boxes on your checklist, so welcome to Unicorn Town. It’s a really unique credit card that offers a lot of benefits, rewards, and value. But does it suit you? Let’s look at it.
Get 12 months of 0% p.a. interest on qualifying items. Upon online application by April 17, 2023, and approval. After a year, the promotional interest rate changes to the regular purchase interest rate. Pay no yearly charge and get a lot of Qantas Points on your purchases. With every $1 spent on eligible Qantas goods and services, you can earn 1.75 Qantas Points.
Get 0.75 Qantas Points for every $1 you spend with your card, with the exception of purchases made at institutions of higher learning, then you will only earn 0.5 Qantas Points for every $1. There is no point cap. Moreover, shop with Buy and Refund Protection. Just new American Express Cardholders. Applying T&Cs.
Card Details
Card: Qantas American Express Discovery
Loyalty program: Qantas Frequent Flyer
Points earned from spend:
- 0.75 Qantas Point per $1 spent on eligible purchases
- 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia
- 0.5 Qantas Points per $1 spent at government bodies in Australia
Points Cap: None
Overseas transaction fee: 3% of the converted amount
Mobile wallet: Apple Pay, Google Pay, and Samsung Pay
Insurances: Card Purchase Cover, Card Refund Cover (PDS)
Annual fee: $0
Pros:
- If you apply online by April 17th, 2023 and are approved, you can get 12 months of 0% p.a. interest on qualifying purchases before the rate jumps to 21.99% p.a.
- No annual fee ever.
- Get 0.75 Qantas Points for every $1 spent on card purchases, with the exception of transactions with government agencies, where you will only earn 0.5 Qantas Points for every $1 spent.
- Get 1.75 more Qantas Points for every $1 you spend in Australia on certain Qantas goods and services.
- There is no point cap.
- Via Classic Flight Rewards, you may use and redeem points for flights with Qantas and airline partners to more than 1,000 destinations worldwide.
- Add up to 4 more cards without paying extra.
- Refunds and Covers for Card Purchases.
- Use Plan It™ Instalments to pay off your credit card debt with 0% p.a. interest and a set monthly fee.
- Apple Pay, Samsung Pay, and Google Pay compatible.
Cons:
- High rate of purchases
Benefits of Qantas American Express Discovery Credit Card
0% Purchase Introductory Offer
The 0% purchase introductory offer is one of the most attractive features of this credit card. As a new cardholder, you can enjoy 0% p.a. interest on eligible purchases for 12 months when you apply online by 17 April 2023 and get approved.
This allows you to save on paying interest on bigger purchases, with loads of time to pay down your balance. After the promotional period, the purchase interest rate reverts to a standard purchase interest rate of 21.99% p.a.
No Annual Fee
The Qantas American Express Discovery credit card stands out from other rewards cards in that it has no annual fee. This means that you won’t have to compare points and features against the annual fee to work out if a card is worth it for you.
With the Discovery credit card, you’ll pay nothing out (as long as you avoid other fees and interest), while getting loads back in rewards and extras.
Unparalleled integration of mobile wallets
You can use this card on your smartphone to make payments more easily because American Express cards support Apple Pay, Google Pay, and Samsung Pay.
In the event that your actual card is lost, stolen, or temporarily unavailable for replacement, you might still use your NFC-capable phone to make purchases with your American Express account if this feature is configured.
Points Earning Potential
Using this card, you can earn 0.75 Qantas Points per $1 spent on card purchases, except those made at government bodies in Australia, where you’ll earn 0.5 Qantas Points per $1. On top of that, you’ll earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services within Australia.
All with no points capping! The Qantas Points you earn can be redeemed for Classic Flight Rewards with Qantas and more than 50 partner airlines and their affiliates.
Plan It by American Express
Midway through 2020, American Express introduced “Plan It,” which enables cardholders to design installment plans that permit equal payments to be dispersed over a 3, 6, or 12-month payment period. For a fixed monthly cost, users can access this option, which allows for the creation of up to 10 Plan It plans with a minimum balance of $150.
Redeem Points for Flight Rewards
With the Qantas American Express Discovery credit card, you can redeem points and use them on eligible flights to over 1,000 destinations worldwide with Qantas and participating airline partners through Classic Flight Rewards.
You can fly premium economy from Melbourne to Canberra or Sydney with Qantas for 8,000 points. This makes it an excellent option for those who love to travel and want to make the most of their rewards.
Additional Perks and Extras
In addition to the rewards and points, the Qantas American Express Discovery credit card also comes with a range of extra perks and benefits.
This includes access to exclusive pre-sale tickets for events and concerts, travel insurance coverage for trips paid for on the card, and smartphone screen insurance. These extras can add significant value to the card and make it an even more attractive option.
Why should you choose this card?
This card may appeal to you due to its welcome offer or lack of an annual charge. You may decide to use it for the possibility of collecting Qantas points or for the perks like up to 44 days of interest-free credit on purchases and 24/7 international customer care.
Also, you can use this card to benefit from its card purchase and card refund covers as well as its guarantee against online fraud. Or, to put it simply, you might choose this card for all of the aforementioned reasons because it comes with all of the flexible features and incentives while charging no annual fee.
The Qantas American Express Discovery Card is intended for whom?
- Those who frequently fly Qantas or Jetstar will probably be a good fit for this card.
- who prefer cards without annual fees and are searching for a card with no or a low annual charge that nevertheless accrues Qantas miles.
- They might not have enough money to qualify for high-end Qantas-earning credit cards.
- When the greater cost of a premium Qantas credit card outweighs the benefits of the card’s added features because your income or spending is insufficient to use or fully benefit from these perks.
- Individuals seeking a low-risk way to begin collecting Qantas points through credit card spending.
Conclusion
Overall, the Qantas American Express Discovery credit card offers an impressive range of benefits and rewards for a card with no annual fee. With a 0% purchase introductory offer, excellent points earning potential, and the ability to redeem points for flight rewards, this card is an excellent option for those looking to maximize their rewards while keeping costs low.
The additional perks and extras add even more value to the card, making it a standout option in the crowded credit card market.