Flight value
$1,220 after fees
76,250 Qantas points, estimated value · 70,000 Qantas points · spend $5,000 in 90 days
Available
How to use my referral link:
- You might need to try a VPN
- Go to this site in incognito mode, so you get the offer fresh
- Click the link above
- Click 'View all cards'
- Select The Qantas American Express Ultimate Card Referral Offer
I'd like to use my bonus for:
to in (0 points)
To make comparisons easier to understand, select a origin, destination and travel class.
76,250 Qantas points at 1.6¢ − $450 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 3 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$5,000 within 90 days — about $1,667 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$3,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: November 17, 2026.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Qantas Points transferred to your Qantas Frequent Flyer account each month
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Qantas Points transferred to your Qantas Frequent Flyer account each month
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Purchase Protection Cover repairs or refunds eligible items accidentally broken or stolen within 90 days of purchase; Card Refund Cover credits your account if refused a refund on an unused eligible item within 90 days of purchase
Check the cover period, the card-payment condition, claim limits, and excess.
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Purchase Protection Cover repairs or refunds eligible items accidentally broken or stolen within 90 days of purchase; Card Refund Cover credits your account if refused a refund on an unused eligible item within 90 days of purchase
No source recorded for this benefit.
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
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2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
No source recorded for this benefit. - Travel Credits Compare across cards →$450 Qantas Travel Credit each year for eligible international or domestic Qantas flights booked and paid online at American Express Travel
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$450 Qantas Travel Credit each year for eligible international or domestic Qantas flights booked and paid online at American Express Travel
No source recorded for this benefit. - Hotel Benefits Compare across cards →Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
Check qualifying bookings and availability.
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Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
No source recorded for this benefit. - Lounge Access Compare across cards →4 visits/year · Qantas Club, The Centurion Lounge
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Two Qantas Club complimentary lounge invitations each year (after first Card spend on selected Qantas products/services), plus two complimentary entries per year to The Centurion Lounge at Sydney or Melbourne International Airport
No source recorded for this benefit. - Travel Insurance Compare across cards →Complimentary domestic and international travel insurance: Medical Emergency Expenses up to $2,500,000; Trip Cancellation and Amendment up to $12,500; Personal Baggage, Valuables, Money and Documents up to $10,000; Travel Inconvenience up to $200 for flight delays; Personal…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary domestic and international travel insurance: Medical Emergency Expenses up to $2,500,000; Trip Cancellation and Amendment up to $12,500; Personal Baggage, Valuables, Money and Documents up to $10,000; Travel Inconvenience up to $200 for flight delays; Personal Accident up to $400,000
No source recorded for this benefit. - Flight Discounts Compare across cards →$450 Qantas Travel Credit each year for eligible international or domestic Qantas flights when booked and paid online at American Express Travel
Check eligible fares and booking channels.
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$450 Qantas Travel Credit each year for eligible international or domestic Qantas flights when booked and paid online at American Express Travel
No source recorded for this benefit.Learn more
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Subscription Benefits Compare across cards →Complimentary Qantas Wine Premium Membership; earn 3 points per dollar on Qantas Wine purchases and complimentary Qantas Wine delivery within Australia
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Complimentary Qantas Wine Premium Membership; earn 3 points per dollar on Qantas Wine purchases and complimentary Qantas Wine delivery within Australia
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Installment Plans Compare across cards →Plan It Instalments lets you pay off a portion of your Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan It Instalments lets you pay off a portion of your Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Eligible for use with Apple Pay, Samsung Pay and Google Pay
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Eligible for use with Apple Pay, Samsung Pay and Google Pay
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Up to 4 additional Cards for family members or friends at no extra fee
Check account liability and age or redemption restrictions.
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Up to 4 additional Cards for family members or friends at no extra fee
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 44 interest-free days on purchases
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 44 interest-free days on purchases
Should I keep it after the first year?
Renewal costs $450 each year ($450 annual fee) — first year was $450.
Second year pays 50,000 Qantas points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.25x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $450/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Qantas
Second Year Points
50,000 points
With $450 annual fee
Minimum Spend
$5,000
within 90 days (about 3 months)
Cash Bonus
Offer Expires
November 17, 2026
in a month
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$450
Ongoing Annual Fee
$450
From year 2 onwards
Purchase Interest Rate
23.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (5 changes)
- Digital Wallet IntegrationUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Installment PlansUpdated May 2026
- Travel InsuranceUpdated May 2026
- Lounge AccessUpdated May 2026
Now 4 visits/year · Qantas Club, The Centurion Lounge.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 3 Oct 2026
Changes from terms version 12
Changes from terms version 11
Changes from terms version 10
Changes from terms version 9
No recorded term changes from the previous version.
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
Unknown publication date
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Offer extended to Nov 224 years ago
- Bonus decreased from 110k to 75k first year, 25k second year and expiration added 24/08/224 years ago
- Bonus decreased from 130k to 110k4 years ago
- Bonus increased from 120k to 130k4 years ago
Discussion
About the current terms (published 3 Oct 2026).
Community and personal tools
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