Credit Cards with Installment Plans
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Statement instalment plans to pay off purchases in manageable monthly repayments at a special rate over a set term
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.
Est. profit $1,200
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The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Plan It™ Instalments feature allows cardholders to pay off a portion of their credit card balance in equal monthly installments with no interest and a fixed monthly fee.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig's Take
Average ongoing earn rate. $200 cashback covers the $195 fee.
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American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Plan It™ Instalments offers a flexible way to pay off transactions in equal monthly instalments with a fixed monthly fee.
Spend $4,000 in 90 days
Offer Expires 4 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
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The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Plan It® feature allows paying off eligible transactions over $100 in equal monthly instalments with 3, 6, or 12 month terms, no interest, and fixed monthly fee.
Spend $5,000 in 90 days
Offer Expires in a month (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,135
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The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
OfferReferral
70,000 Qantas points
Plan It® Instalments feature offers flexible way to pay off a portion of Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
Spend $5,000 in 90 days
Offer Expires in a month (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
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The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Plan It® Instalments feature offers flexible way to pay off a portion of Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
Spend $5,000 in 90 days
Offer Expires in a month (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
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Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
OfferNo Qantas CC 24mo
120,000 Qantas points
Instalment plans available to lock in manageable monthly repayments at a lower rate over a set term, subject to eligibility and account in good standing
Spend $5,000 in 90 days
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,571
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