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Credit Cards

Qantas Money

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Qantas Money Platinum credit card

UP TO

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80k PTS

40,000 Bonus Qantas Points1

Plus an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1

$349

Reduced first year annual fee2

0% p.a.

For 24 months on Balance Transfers, a 3% Balance Transfer fee applies. Reverts to Cash Advance Rate after 24 months.3

We can't process balances transfers from certain issuers - see our indicative list

Apply now Resume application

Earn up to 80,000 bonus Qantas Points. New cardholders receive 40,000 bonus Qantas Points when $5,000 or more is spent on eligible purchases within 90 days from card approval.1 Plus an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1

Jump to…

There’s more to enjoy with Qantas Money Platinum

Your journey will feel special, even on the ground, with the Qantas Money Platinum Credit Card.

See more features and benefits

[Image: Lounge invitations]Complimentary Lounge Invitations4 Relax with 2 single-entry Complimentary Lounge Invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, complete with complimentary food, beverages and Wi-Fi. Learn more [Image: Qantas 240307 B737 Cabin Eco Couple 315 RT HIGH RES - 720x400px]Discounted companion fares5 Get up to 20% off selected domestic flights for you and 8 friends, once per Anniversary Year. Book via the booking portal on your Qantas Money Credit Card account. Learn more

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Reduced First Year Annual Fee2

Take advantage of a discounted $349 first year annual fee, usually $399.

[Image: Compatible with digital wallets benefits tile]Compatible with digital wallets Make safe and contactless payments using Apple Pay & Google Pay. Just load the card to your digital wallet, tap and go. Learn more

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Be rewarded with uncapped points potential

There’s no limit to the number of Qantas Points you can earn – at home or overseas.6

qantas-roo

1.5

PTS

Per whole AU$1 on International Spend6

qantas-roo

Per whole AU$1 on Domestic Spend (up to AU$10,000 per statement period, then 0.5 points per whole AU$1 spent thereafter)6

qantas-roo

Additional point per whole AU$1 on selected Qantas products and services6

Learn all the ways to use your points

What is the annual fee?

Apply for a Qantas Money Platinum Credit Card now and save on the first year's annual fee.

Annual fees table

Primary Cardholder Annual Fee6	$399 per year. $349 annual fee for the first year.

What are the interest rates?

What are the interest rates?

Retail Purchase Rate	20.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period11	Up to 44 days
Balance Transfers	0% p.a. for 24 months, with a 3% Balance Transfer Fee2. Reverts to Cash Advance Rate after 24 months.

Learn more about fees and rates

Ways to manage your credit card repayments

[Image: Statement Plans background image]Balance Transfers 0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.3 Learn more [Image: instalment-plans]Instalment Plans Our instalment plans can help you manage your finances. You can lock in manageable monthly repayments at a lower rate over a set term8 Learn more

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Download the Qantas Money Credit Cards App today.

Designed to work with your Qantas Money Credit Card, get the secure and easy-to-use App from the App Store or Google Play to see your credit card balance, due dates, transactions and more.

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Help is always at hand

With access to millions of Mastercard locations worldwide and your dedicated concierge11, you can count on us whether you're at home or abroad.

[Image: Fraud Icon]Fraud protection Feel safe with the built-in protection of Mastercard Zero Liability.9 You must take care to protect your card from theft or loss, and notify us immediately if your card is lost or stolen. Learn more [Image: Concierge Icon]Dedicated concierge Our Qantas Money Credit Card Concierge service is just a phone call away, anytime you need assistance – from restaurant reservations to travel bookings.10 Learn more [Image: FAQ Icon]Frequently asked questions Find answers online to commonly asked questions about the Qantas Money Credit Card. See the most common topics and more. Learn more

Apply

To apply for the Qantas Money Platinum credit card you must:

Earn a recommended minimum income of $35,000 per year
Be at least 18 years old
Be a permanent Australian resident
Have an Australian mobile and residential address
Be a Qantas Frequent Flyer member
Be a new primary cardholder

It should take about 10 minutes, you’ll need these handy:

Australian passport
Foreign passport
Australian Driver Licence

If you do not hold a standard form of personal identification, please call us on 1300 992 700.

[Image: PDF Icon]View the key fact sheet

Apply now

Other cards you may be interested in

[Image: Qantas Money Everyday Card - Promo]Qantas Money Everyday

[Image: card image]Qantas Money Titanium

Compare our cards

Important Information

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901.

To view the respective Target Market Determination (TMD) related to these products, please visit the TMD page.

All applications are subject to credit criteria. Fees, charges and Terms & Conditions apply. As part of your application, we will conduct a credit check, which may include a review of your credit history and rating. Making multiple applications in a short period could negatively affect your score and approval chances.

View all important information

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

Offer commenced 10 August 2026. To be eligible for up to 80,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Credit Card before the offer is withdrawn. 40,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 40,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. The account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
Offer commenced 8 September 2025. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
Offer commenced 10 August 2026. New Qantas Money Platinum credit cardholders only. Your total balance transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: the 0% p.a. interest rate applies to balances transferred and the balance transfer fee, for a period of 24 months. The 24 month promotional period commences once the Balance Transfer is processed. The balance transfer fee is 3% of the balance transferred and will be added to your outstanding balance on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and the balance transfer fee, will revert to the variable Cash Advance Rate, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time. We can't process balance transfers from certain issuers - see our indicative list
Qantas Money Platinum Primary Cardholders are entitled to 2 single-entry Complimentary Lounge Invitations per anniversary year for use at domestic Qantas Club Lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) in accordance with the Qantas Money Platinum Credit Card Airline Benefit Terms and Conditions. Access and use are subject to Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. The Complimentary Lounge Invitation is able to be linked to another passenger travelling with the Primary Cardholder when travelling under the same booking. For Qantas Lounge locations visit here.
The Qantas Money Platinum Primary Cardholder is entitled to the Companion Fare benefit once per Anniversary Year. A discount applies on the base fares (excluding taxes, fees and carrier charges) of selected domestic flights for the primary cardholder and between one and eight others, travelling together on the same booking number, date and flight(s). The Companion Fare Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itineraries. For the avoidance of doubt, all flights and/or segments of the booking must be Qantas or QantasLink operated. Flight numbers that start with “QF” does not mean flights are operated by Qantas or QantasLink. Flights must be booked through the booking portal available via Your Online Access and must be paid for in full using the primary cardholder’s Qantas Money Platinum credit card. For full terms and conditions, see Qantas Money Platinum Credit Card Airline Benefits Terms and Conditions.
Earn rate for the Qantas Money Platinum credit card: 1.5 Qantas Point per whole AU$1 equivalent on International Spend; 1.0 Qantas Point per whole AU$1 on Domestic Spend up to and including AU$10,000 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$10,000 each Statement Period: plus 1 Additional Qantas Point per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
Instalment plan offers are subject to eligibility and only available if your account is and remains in good standing (For example - your account is not in default, suspended or closed). Please refer to Section 5 of the Qantas Money Credit Card Terms and Conditions for the instalment plan terms and conditions.
Visit Mastercard for terms and conditions of their fraud protection policy.
Qantas Money Credit Card Concierge is a complimentary service available to the Primary Cardholder of a Qantas Money credit card. Refer to the Qantas Money Credit Card Rewards Terms and Conditions. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.

The Qantas Money Credit Cards App is owned and operated by NAB and supported on iOS15+ and Android 10+.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://support.qantasmoney.com/balance-transfers

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Qantas Money Credit Card

Apply

Who is the credit provider and issuer of Qantas Money Credit Cards? Why choose a Qantas Money credit card? Can I transfer a balance from another credit card? Who can apply for a Qantas Money credit card? What’s the difference between the Qantas Money Everyday, the Qantas Money Platinum and the Qantas Money Titanium card? How do I remove an additional cardholder from my account? How do I apply for a Qantas Money credit card? How long does the Qantas Money credit card application process take?

Features and rewards

Discounted Flights

Lounge Invitations

When will I receive my Complimentary Lounge Invitations? How do I link my Complimentary Lounge Invitations to a flight? How long are my Complimentary Lounge Invitations valid for? Where can I redeem my Complimentary Lounge Invitations? Can I share my Complimentary Lounge Invitations with a person I’m travelling with?

Status Credits

Travel Insurance

What travel insurance cover is included with my card? What extended level of coverage does my Qantas Money Titanium credit card provide? How do I make a travel insurance claim?

Everyday Purchases

Where can I use my Qantas Money credit card? How many Qantas Points will I earn on purchases? When will I receive my bonus Qantas Points? Is there an interest-free period on my account? How can I use my Qantas Money Titanium metal card for contactless payments? Which transactions will earn Qantas Points?

Qantas Money Credit Card Concierge

What services are provided by the Qantas Money Credit Card Concierge?

Qantas Wine Membership

How do I order from Qantas Wine? How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Money Titanium credit card?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents COVID-19 Trip Cancellation and Amendment Pre-existing Medical Conditions Other Questions Eligibility for Cover under the Policy Overseas Medical Expenses

Rates and fees

What interest rates apply? What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer? If I have Balance Transfers at different rates, which one does my credit card payments get applied to first? What is a Balance Transfer? What are the benefits of closing my other credit cards after a Balance Transfer? How does a Balance Transfer work? How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I activate my card? How can I pay my credit card bill? What is a statement? How do I report suspicious transactions? How can I pay bills with my Qantas Money credit card? How can I unsubscribe from marketing emails? What should I do if my card is lost or stolen? How are my monthly repayments calculated? How can I withdraw cash from my account? Can I choose my own card PIN? What format is the transactions file in? How can I manage my Qantas Money credit card account? Will my replacement card have the same card number and PIN number? How do I close my account? How do I update my address or personal details? How far back can I download my transactions? How do I download my transactions? How do I dispute a charge on my Qantas Money credit card? How are payments allocated if I have additional cardholders? How to increase or decrease your credit limit Cancelling a recurring payment How can I withdraw cash from my account?

Apple Pay

Google Pay

Click to Pay

How do I unenrol from Click to Pay? What is Click to Pay? Can Click to Pay be used in store? I have a new card, when is my card enabled for Click to Pay? Where can I use Click to Pay? Which cards can be used for Click to Pay?

Instalment Plans

Instalment Plan Changes - From 6 August 2025 How will my repayments be applied to my card? How do I make the monthly instalment repayment? Who can create an Instalment Plan on my card? What happens if I return a purchase that was converted into a Statement Instalment Plan? How can I track my instalment plan? Can I pay more than my monthly instalment amount? Is the instalment plan amount part of my existing credit limit? When will I be charged my first monthly instalment? Can I pay off my instalment plan early? Will I be able to set up a Statement Instalment Plan if I have a direct debit set up? What are the different types of Instalment Plans? Will an instalment plan affect my interest-free days on my purchases? What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date? Can I have more than one Instalment Plan? Is there a fee to set up an instalment plan?

Open Banking

What is Open Banking? What information can be shared with Accredited Data Recipients (ADRs)? How does data sharing work? Can any institution request access to my data?

Financial difficulty

What financial difficulty support can Qantas Money Credit Cards provide? What if I’m finding it hard to meet my Qantas Money credit card repayments?

Security

What do I need to be aware of to reduce the risk of scams, fraud and cyber crime? How can I tell which emails are genuine? What do I do if I receive a suspicious phone call? How is my Qantas Money credit card account protected? How does Qantas Money protect my financial data? How can I protect myself online? How does Qantas Money credit cards manage financial crime and sanctions obligations?

Customer Support and Complaints

Contact us Accessibility and Disability Support - Qantas Money credit card Domestic and family violence support How do I lodge a complaint relating to my Qantas Money Credit Card? Deceased Estates

Online Security Hub

Qantas Money Credit Cards Online Security Hub

Customer Remediation

Qantas Money Credit Cards App

How do I log in to the Qantas Money Credit Cards App and Online? What is a One Time PIN (OTP)? What should I do if I don't receive an OTP? How do I view my Qantas Points balance? What if I notice a suspicious transaction? Missing Qantas Points - Qantas Money credit card How do I update my Qantas Money Credit Card contact details? How to update my Qantas Money Credit Cards App? How can I use my Qantas Points from my Qantas Money credit card? How do I get an OTP while I’m overseas?

Extra support when you need it

Extra Support for Qantas Money credit cardholders Qantas Money Credit Cards Customer Care Kit Support for domestic and family violence Financial Abuse and Elder Financial Abuse Letter of Authority

Recycled Material of your Qantas Money Credit Card

When will I receive a card made using recycled plastic? Can my card be recycled? How do you make sure the plastic used in the cards is recycled? Is my whole card made from recycled materials?

Customer Due Diligence

Qantas Pay

Changes to Qantas Travel Money

Why did Qantas Travel Money change to Qantas Pay? Does my existing Qantas Travel Money card still work? How do I join and get a Qantas Pay card? Will I still earn points with Qantas Pay? Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card? Can I activate my Qantas Travel Money card for the first time What is changing for the Qantas Frequent Flyer membership card? How can I access my Qantas Frequent Flyer number? How can I access and set my Qantas Pay card PIN? Does Qantas Pay have a digital card? Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Pay? Who's eligible for Qantas Pay? Is Qantas Pay a credit card or a debit card? Does this mean that Qantas is now also a bank? What are the benefits of Qantas Pay?

Apply and activate

How do I sign up for Qantas Pay How do I activate my Qantas Pay card? Will a credit check be conducted when I sign up for Qantas Pay? Can I sign up for Qantas Pay if I have a foreign passport? How do I use Qantas Pay? What if the details on the Qantas Pay identity verification form are incorrect? What if I don’t have an Australian Passport or an Australian Driver’s Licence? What do I do if I’m unable to sign up for Qantas Pay online? Can I sign up without a camera on my device? Do I need to print the ID verification form or can I complete it online? Where can I view the relevant privacy policies for Qantas Pay? What if I only have a foreign passport? Why do I need to take a selfie? Why does Qantas Pay need to verify my identity? How do I verify my ID at Australia Post? Is the Qantas Pay ID verification process secure? Why does the Australian Electoral Commission need to be checked? What is GBG, Experian and illion? Why do I need to enable my camera? Where can I find an Australia Post location? What if I don’t have a physical driver licence? What happens if my ID can’t be verified online? What if my photo isn’t accepted? What types of ID can I use? Why can’t the app access my camera?

I’ve forgotten my Qantas Pay card PIN, how do I retrieve it? What if my PIN is blocked at an ATM or in-store? How do I set my Qantas Pay card pin? Is my Qantas Pay card PIN different to my Qantas Frequent Flyer PIN? How do I change my card PIN?

Rates, fees and limits

What limits apply to Qantas Pay? What is my available limit with Qantas Pay? What exchange rate applies to Qantas Pay? What fees apply to Qantas Pay? Do fees apply if I don’t have the local currency on my card?

Managing your account

What is a pre-authorisation? What should I do if my card is expired? What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card? Can I arrange a back-up or secondary card? How do I cash out remaining funds on the Qantas Pay card? How do I transfer between currencies on the Qantas Pay card? Does the card come with Mastercard Contactless? Do I get a line of credit or overdraft with Qantas Pay? How to set up two-factor authentication for Qantas Pay?

When to use

Can I use Qantas Pay if the local currency isn’t available? Where can I use Qantas Pay? Can I use my Qantas Pay card at a hotel or on a cruise? Can Qantas Pay be used for Qantas in-flight duty free purchases? Can I use Qantas Pay to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas? Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Pay? Can I view my Qantas Pay balances at overseas ATMs? What should I do with my card when I return from overseas? What will happen if the local currency isn’t available to load on Qantas Pay? Should I pay in Australian dollars instead of the local currency when I’m overseas? Are there any countries where the Qantas Pay Card won’t work? I’m overseas and my Qantas Pay card isn’t working

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase? Why would an online transaction be declined if I have enough money to complete the purchase on the card? Why am I seeing new currencies in my Qantas Pay account? How long do load transactions take to appear in my account? What happens if I try to transfer money to the old BSB after 31 May 2025? Which transactions will earn me Qantas Points?

Customer Support and Complaints

Contact Information Accessibility and Disability Support - Qantas Pay I don't have a Qantas Pay card or a card number. How do I get through to the call centre? What should I do if my card is lost, stolen or damaged? How do I lodge a complaint relating to my Qantas Pay card?

Qantas Money app deactivation

Why has the Qantas Money app been replaced? When was the Qantas Money app removed? What do I need to do if I still use the Qantas Travel Money card? How long will it take to receive my new Qantas Pay card? Who can I contact if I need help? What happens if I am travelling soon? How do I download the new Qantas Pay app? What are the benefits of the new Qantas Pay app? What happens if my Qantas Travel Money card is lost, stolen, or expired? Will my existing balance and currencies transfer across? Do I need to update my direct debits? What do I need to do if I use the Qantas Pay card?

Google Pay

How do I make a purchase using Qantas Pay in apps and websites? How do I set up Google Pay and add my Qantas Pay card? Are Google Wallet and Google Pay secure? Will I need to enter my card PIN with Google Pay? What should I do if I lose my card, or my card expires and I'm issued a replacement card? What happens if my Android device is lost or stolen? How can I keep track of purchases I’ve made with Google Pay? Can I add more than one card to Google Wallet? How do I remove my card from Google Wallet? Does Google Wallet or Google Pay have access to my Qantas Pay account? Do I need to have an active internet connection for Google Pay to work? Which devices are compatible with Google Pay? Where can I use Google Pay? What is Google Pay and Google Wallet? Who can I talk to for further help with Google Pay? How do I return a purchase if I used Google Pay to make the payment? Will I continue to enjoy the same features and benefits of my Qantas Pay card, including points earn, when I use it for payment with Google Pay? Why was my request to add my card to Google Wallet declined? How do I reverse or dispute a Google Pay transaction? How do I set my Qantas Pay card as the default card in Google Wallet? If my device is formatted or jailbroken, will my Google Pay information remain on it? Can I use Google Pay overseas? What happens if there are fraudulent transactions made using Google Pay? How do I make a purchase using Qantas Pay in-store with Google Pay? If I switch devices, do I need to set up my card in Google Pay again? Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

Apple Pay

Which devices are compatible with Apple Pay? How do I set up my Qantas Pay card on Apple Pay? How do I return a purchase if I used Apple Pay to make the payment? Do I need to have an active internet connection for Apple Pay to work? How do I make an in-store purchase with Apple Pay? Does Apple Pay have access to my Qantas Pay account? What is Apple Pay? How does the Apple Pay experience compare to using my plastic card? If I switch devices, do I need to set up my card in Apple Pay all over again? How do I set my Qantas Pay card as the default card in Apple Pay? How can I reverse a transaction made using Apple Pay? Where can I use Apple Pay? Can I add the same card to more than one device using Apple Pay? Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay? What should I do if I lose my card and I’m issued a replacement card? Can I add more than one card on Apple Pay? What should I do if my card expires and I’m issued a renewed card? Can I use Apple Pay at ATMs? Is Apple Pay secure? How do I dispute a purchase made with Apple Pay? Why was my request to add my card to Apple Pay declined? Can I use Apple Pay overseas? How can I keep track of purchases I’ve made with Apple Pay? If my device is formatted or jailbroken, will my Apple Pay information remain on it? What do I need before I can start using Apple Pay? Why should I use Apple Pay rather than my physical card? Will I continue to enjoy the features and benefits of my Qantas Pay card, including points earn, when I use it for payment with Apple Pay? How do I remove my card from Apple Pay? Will I need to enter my card PIN? What should I do if my device is lost or stolen? What is a Device Account Number? The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Qantas Pay App

How do I check my points balance if I think I am missing Qantas Points? Is the Qantas Pay app secure? What is the difference between the Qantas Pay app and the Qantas Money app? How do I download the Qantas Pay app? What devices is the Qantas Pay app compatible with? How do I update my personal information in the Qantas Pay app? Can I use Face ID or my fingerprint to log into the Qantas Pay app? If I am a Qantas Travel Money card holder, can I use the new Qantas Pay app? Can I continue to manage my Qantas Pay card on the Qantas Money app?

Card Offers

Card Linking

Can I link an additional card to Card Offers? Can I use any card that I have added to my Qantas Money App for Card offers? Can I link another card in addition to my Qantas Money Credit Card? Can I link and earn points with a debit Mastercard® or Visa® card?

General

Why can't I see my Card Offers on the Qantas Money website? Why am I not receiving any/many offers? How long will my offers be valid for? What are the terms and conditions of the offers? Why am I receiving offers that don't seem well matched to me? Can I share an offer with my partner/friend etc? Why did my friend get an offer for a specific store and I did not? Are offers applicable to both purchases in-store and online? What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points? How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers? What if I forget to use my linked card, can I still earn the points?

Opting out

How can I opt out of Card Offers?

All Categories > Qantas Money Credit Card > Balance Transfers

Balance Transfers

How can I get the most out of my Balance Transfer? To get the most out of your Balance Transfer it is important that you: make additional payments (more than the Minimum Payment Due) throughout the promotional period to reduce the amount you owe;. pa…

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first? We will apply payments as follows : • Firstly, to any Monthly Instalment(s) that are overdue; and then • To any Monthly Instalment(s) due in the current Statement Period (if applicable); and then • T…

What is a Balance Transfer? A Balance Transfer involves transferring the balance(s) on an eligible credit card or other eligible credit account to a Qantas Money credit card at a promotional rate for a set period of time. It ca…

What are the benefits of closing my other credit cards after a Balance Transfer? Some of the benefits from closing your other credit cards and loans are: helping reduce the total amount of credit card and loan annual fees you pay;. simplifying your finances and decreasing the num…

How does a Balance Transfer work? A Balance Transfer lets you: use up to 80% of your Qantas Money credit card limit to pay down your balances on other credit cards;. take advantage of a lower interest rate for the promotional period…

How does a Balance Transfer affect the interest charged on my account? Once a Balance Transfer is processed on your Qantas Money credit card, the interest charges will be as follows: during the promotional period, balances transferred across will be charged an interest…

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

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Cybersecurity & Fraud Prevention

Insights & Intelligence

Featured Content

Cyber-fraud integration for the new age of risk Read the Mastercard-commissioned report from Datos Insights.

Zero liability protection

When you use your Mastercard, you’re protected against fraud.

[Image]

When you use your Mastercard, you’re protected against fraud

Have peace of mind knowing that the financial institution that issued your Mastercard won’t hold you responsible for “unauthorised transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the shop, over the telephone, online or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorised transactions if:

You have used reasonable care in protecting your card from loss or theft; and
You promptly reported loss or theft to your financial institution.

If you believe there has been unauthorised use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorised transactions, please contact your bank or credit union. Note: Zero Liability does not apply to the following Mastercard payment cards: certain commercial cards or unregistered prepaid cards, such as gift cards.

What to do

If you have questions regarding Zero Liability coverage or you suspect unauthorised use of your card, contact your financial institution IMMEDIATELY.

Effective 17 October 2014

If applicable law imposes a greater liability or a conflicting obligation, such applicable law shall govern.

We are always here when you need us.

Need help?

COMPANY

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MASTERCARD SITES

Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html

Complimentary Lounge Invitations terms and conditions

These terms and conditions govern Complimentary Lounge Invitations

Effective 1 July 2026

Introduction

1.1 These Terms and Conditions govern Complimentary Lounge Invitations.

1.2 Eligible Customers are responsible for complying with these Terms and Conditions.

1.3 These Terms and Conditions are effective from the date of publication shown above and may be amended from time to time.

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Introduction

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Definitions

2.1 In these Terms and Conditions, unless the context otherwise requires:

Lounge invitation definitions

Yes

Not applicable

Term

Definition

Invitation

means a Complimentary Lounge Invitation sent by Qantas or through an authorised third party to an Eligible Customer for Lounge Access.

Eligible Customers

means customers who have received a Complimentary Invitation directly from Qantas, received via direct transfer from another Eligible Customer, or through an authorised third party.

Eligible Flights

means the flight(s) specified in the Complimentary Lounge Invitation and excludes Group Bookings and industry discounted flights used by airline employees and beneficiaries.

Eligible Lounge

means the relevant departure lounge specified in the Complimentary Lounge Invitation.

Lounge Access

means access for Eligible Customers to an Eligible Lounge before the next onward Eligible Flight on that day.

Portal

is the Complimentary Lounge Invitation portal where Complimentary Lounge Invitations may be viewed and linked to an Eligible Flight.

Qantas (also referred to as 'us')

means Qantas Airways Limited ABN 16 009 661 901.

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Definitions

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Using an invitation

3.1 Invitations are sent to Eligible Customers at Qantas' absolute and sole discretion and Qantas can withdraw Invitations at any time. Invitations are only for Eligible Customers and Eligible Customers cannot bring guests, including children.

3.2 Eligible Customers who have received an Invitation will be able to view it in the Complimentary Lounge Invitation Portal. The Portal may include information about:

(a) Eligible Flights,
(b) Eligible Lounges, and
(c) Conditions relating to the use of the Complimentary Lounge Invitations.

3.3 Eligible Customers must link the Invitation to an Eligible Flight in the Portal at least 24 hours prior to flight departure. Invitations can only be used and linked once. It is the responsibility of Eligible Customers to ensure that they link their Invitation correctly and no changes can be made after Invitations have been linked, unless specified otherwise in these Terms and Conditions.

3.4 Once an Invitation has been linked to an Eligible Flight, Eligible Customers will receive an email confirmation which must be presented at the Eligible Lounge together with the boarding pass for the Eligible Flight.

3.5 It is the responsibility of the Eligible Customer to review lounge location and operating hours prior to arrival at the airport.

3.6 Invitations cannot be reinstated and are forfeited where the Eligible Customer has had a change of mind ('no show') and does not access the lounge on the day of the Eligible Flight.

3.7 Eligible Customers can access the Eligible Lounge on the day of the Eligible Flight, before departure. Lounge access is subject to space availability and Eligible Customers may be refused entry if the lounge is full. A reinstatement of the Complimentary Lounge Invitation is permitted in this situation. Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.

3.8 Complimentary Invitations can only be transferred by an Eligible Customer to a passenger(s) travelling on the same flight as the pass holder. This excludes Platinum One lounge passes.

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Using an invitation

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Unlinking a Complimentary Invitation - changes by an Eligible Customer

4.1 If an Eligible Customer changes the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.2 If an Eligible Customer cancels the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.3 Invitations will become invalid and will be forfeited:

(a) when an Eligible Customer changes or cancels an Eligible Flight within 24 hours of scheduled departure;
(b) when an Eligible Customer links an Invitation to an Eligible Flight but does not access the Eligible Lounge; or
(c) on expiry of the Invitation.

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Unlinking a Complimentary Invitation - changes by an Eligible Customer

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Unlinking a Complimentary Invitation - changes by Qantas

5.1 If Qantas changes the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.2 If Qantas cancels the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.3 If Qantas changes the Eligible Flight within 24 hours of scheduled departure, the Invitation will be automatically linked to a new Eligible Flight.

5.4 If Qantas cancels the Eligible Flight within 24 hours of scheduled departure, Eligible Customers can request for the Invitation to be reinstated.

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Unlinking a Complimentary Invitation - changes by Qantas

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Expiry

6.1 The expiry date of an Invitation can be found in the Portal.

6.2 Invitations must be used before the expiry date.

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Expiry

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Accessing the Eligible Lounge

7.1 Lounge Access is subject to these Terms and Conditions and to the Lounge entry terms and conditions.

7.2 Where Eligible Customers are declined Lounge Access due to capacity or operational reasons, they may request for a reinstatement of the Invitation, which is at Qantas' reasonable discretion.

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Accessing the Eligible Lounge

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Other Conditions

8.1 Invitations cannot be sold or exchanged for Cash or Qantas Points.

8.2 Qantas may withdraw Invitations at any time if an Eligible Customer materially breaches these Terms and Conditions or the Lounge entry terms and conditions.

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Other Conditions

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges.html

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Airport lounges

Relax and unwind before your next flight. Enjoy exclusive access to a large selection of Qantas and partner lounges worldwide.

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Lounge locations

Planning to visit a Qantas lounge before your flight? Explore our lounge locations below.

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Qantas and partner airport lounges

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Lounge locations

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Investing in our lounges

As we continue to invest in our lounge network, many of our lounges will be undergoing changes to bring you a refreshed Qantas lounge experience.

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Big adventures start in Sydney

We’ve partnered with LEGO Australia to build a new Joey Club zone in the Sydney Qantas Club, a dedicated space for our youngest travellers to explore. Designed for ages 18 months and above, this thoughtfully built zone invites curious minds and busy hands to create and play before takeoff.

The space features a LEGO® DUPLO® brick pit with build challenges alongside gaming stations offering a selection of fun mini games. A dedicated quiet zone includes a cosy book nook and colouring tables with aviation and Australian animal themed activities. Plus, create memorable moments at the start of your journey with plenty of playful photo opportunities.1

Find out more about the Sydney Qantas Club

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Sydney International Business Lounge

Construction is underway on our new Sydney International Business Lounge, set for completion in early 2027. Inspired by Sydney's natural landscape, from the Blue Mountains to Bondi, the new lounge will include a refreshed food and beverage menu, a 30% increase in seating and a new outdoor terrace with views of Sydney's skyline.

During this time, the lounge has moved to a temporary space located near gate 24. In peak periods, you may be reaccommodated in an alternative lounge.

Find out more about the Sydney International Business Lounge

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Hobart Qantas Club

Plans are underway for a new Qantas Club in Hobart, due to open in early 2027. With a modern design inspired by the Tasmanian landscape, the new lounge will feature significantly more space, increased seating with more power outlets, and views of the runway.

The lounge is temporarily closed while construction progresses on the Hobart Airport terminal redevelopment. During the closure period, light refreshments will be available near gates 8 and 9.

Find out more about the Hobart Qantas Club

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Refreshed Regional Lounges

Our Regional Lounge refresh program is now complete across our lounge network, following the reopening of our Emerald Regional Lounge in August 2026.

The refreshed lounges feature distinctive new colour palettes inspired by each region's natural landscapes, modern furnishings, improved seating and additional charging points throughout. Eligible customers can now enjoy more comfortable spaces across our Coffs Harbour, Devonport, Emerald, Gladstone, Kalgoorlie, Karratha, Mackay, Rockhampton and Tamworth Regional Lounges.

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[Image: The Los Angeles Business Lounge]

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Now open

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The Los Angeles Business Lounge

Our refresh of The Los Angeles Business Lounge is now complete. Inspired by Californian sunsets, coastal hues and palm tree lined avenues, the lounge features new furniture and flooring throughout. We’ve also enhanced the dining area and added more power outlets, creating a more comfortable and connected pre-flight experience.

Explore The Los Angeles International Business Lounge

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Now open

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Auckland International Lounge

Our Auckland International Lounge is now open. The redesigned lounge offers increased seating capacity, barista made coffee and a refreshed food and beverage offering showcasing the best of New Zealand food and wine.

Explore the Auckland International Lounge

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Investing in our lounges

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Accessing the lounge

Access to lounges is based on the class of travel, your Qantas Frequent Flyer membership tier, or your Qantas Club, one world or Emirates membership status. You can also use a Complimentary Lounge Invitation, buy a single-visit Qantas Lounge Pass if available or join the Qantas Club.

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Lounge access

Whether you're travelling on an eligible travel class, have a Qantas or affiliated membership, or want to bring a guest, find out about your access options across our lounges.

Learn more about lounge access

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Qantas Club memberships

Join the Qantas Club and start every trip in the lounge with a choice of yearly or pay-as-you-go memberships. Find a membership that suits the way you travel.

Discover the benefits

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Qantas Lounge Passes

Make your upcoming flight even more enjoyable with single-visit access to some of the best lounges in Australia and around the world.

Manage or buy lounge passes

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Dress guidelines

We look forward to welcoming you to our lounges, an exclusive space for our customers. Please be aware that the dress code is smart casual, which includes appropriate footwear.

Find out about dress guidelines

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Accessing the lounge

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Our lounge experience

Dine from seasonal menus, help yourself to a selection of wines, beers and more, and sink into a comfortable seat before it’s time to board. Our network of lounges offers a range of facilities to get your trip off to a flying start.

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Dining in our lounges

Start your culinary journey before boarding and enjoy the best of Australian produce. Enjoy handcrafted dishes, light snacks and a full range of refreshments at our lounges.

Explore dining and refreshment options

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Working from the lounge

Relax whilst you reconnect online or catch up on work, with access to free Wi-Fi available in all our Qantas lounges.

Discover business facilities

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Aesop in our First lounges

Refresh and revitalise your skin with a curated selection of Aesop skincare and amenities available in our First lounge shower suites and bathrooms.

Explore First lounges

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Grown Alchemist in our Business lounges

Freshen up with a premium selection of hair and body care essentials by Grown Alchemist in our Business lounge shower suites and bathrooms.

Explore Business lounges

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Facilities

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Important information

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If you are a Qantas Platinum Frequent Flyer or Gold Frequent Flyer member (equivalent to the oneworld Emerald or Sapphire tiers), or you are travelling in a First or Business Class cabin on any oneworld member airline (excludes oneworld connect partners), you can access more than 650 airport lounges throughout the world. To be eligible, you must be departing on a flight that is both marketed and operated by a one world member airline. Visit our oneworld alliance page for more information, eligibility requirements and lounge locations.

Entry to the Qantas lounges is subject to lounge entry terms and conditions.

Entry to non-Qantas branded lounges is subject to the operators’ eligibility and entry requirements.

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html

Lounge entry terms and conditions

Entry into a Qantas branded lounge is subject to the following terms and conditions.

Effective 1 July 2026

Eligibility

1.1 Qantas Lounge access eligibility is conditional and based on the class of travel for your next onward flight, the Frequent Flyer Membership tier or your Qantas Club membership status.

1.2 Eligible guests can access the lounge once only for an onward flight and must be accompanied by the eligible customer.

1.3 Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.

1.4 Qantas staff have the discretion to refuse entry to person at any time if, in their reasonable opinion, the person has not or will not comply with these terms and conditions, or the refusal is necessary or convenient for the orderly operation of the lounge or other facilities or the safety or comfort of others.

1.5 Smart, casual dress standards apply as a minimum at all times and entry may be refused if customers do not meet that standard. Bare feet or clothing with offensive images or slogans are not acceptable. In addition, individual lounges may have rules regarding specific items of clothing which are not acceptable. Individual lounge managers will have discretion to administer these standards as they reasonably deem appropriate in the circumstances.

1.6 You may be required to show identification when entering the lounge to confirm your eligibility. For example you may be required to show your Qantas Club membership card or photo identification.

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Eligibility

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eligibility

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Lounge etiquette

2.1 Lounge operating hours are subject to change and are determined by Qantas in its absolute discretion.

2.2 When in the lounge, you must be respectful to all staff, other customers and guests.

2.3 You’re responsible for ensuring you have enough time to board your flight.

2.4 You must adhere to Qantas Dress Guidelines to enter the lounge.

2.5 While in the lounge, children under 18 years must be accompanied by an adult at all times.

2.6 Customers under the legal drinking age must be accompanied by an adult in any Qantas operated lounge. Legal drinking age may vary in different jurisdictions and countries.

2.7 Responsible service of alcohol requirements apply:

(a) You must not drink excessively.
(b) Unruly behaviour (including due to the consumption of alcohol) isn’t acceptable.

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Lounge etiquette

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General

3.1 Personal information is collected upon entry and a condition of entry is that you acknowledge Qantas will collect and use the information you provide to Qantas for the purpose of Qantas or any of its related bodies corporate providing services to you, including for:

(a) operational and safety reasons; and
(b) to assess Qantas Lounge access eligibility.

This information may be transferred to or from Australia for these purposes. If all or any part of requested information is not provided, the relevant services may be affected. For more information of Qantas’ Privacy Policy, including how to access your information, refer to qantas.com.

3.2 All federal, state and/or territory laws and regulations applicable to the lounge location will apply, including laws, regulations and additional conditions that are applicable to hospitality venues.

3.3 You are liable for any loss or damage Qantas incurs as a result of your wilful or reckless damage to the lounge and any furnishings or equipment, except to the extent that Qantas has contributed to the loss or damage.

3.4 To the extent permitted by law, Qantas shall not be liable to any lounge user for any direct or indirect loss, damage, personal injury, property damage or expense that may be incurred in connection with access to the lounge (including any such loss, damage, injury or expense suffered in connection with the supply of goods or services by third parties), save to the extent such loss or damage arises directly from any breach of these Terms and Condition or the law, negligence or wilful misconduct by Qantas.

3.5 Qantas acknowledges that certain jurisdictions’ laws imply terms, conditions or warranties into contracts for the supply of goods or services that cannot be excluded. For example, for consumers in Australia, certain services come with statutory guarantees under the Competition and Consumer Act 2010 (Cth) that they will be provided with due care and skill and be reasonably fit for their purpose. Clause 3.4 is not intended to exclude or restrict the application of such laws.

3.6 Individual lounge opening hours may vary by location.

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General

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Lounge invitations

4.1 If you've received a Complimentary Lounge Invitation, refer to the Complimentary Lounge Invitation terms and conditions for more information.

4.2 If you've purchased a Qantas Lounge Pass, refer to the Qantas Lounge Pass terms and conditions for more information.

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Lounge invitations

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The Qantas Club

5.1 Refer to The Qantas Club terms and conditions and the Qantas Club Flexible terms and conditions for more information on eligibility.

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The Qantas Club

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Source: https://www.qantasmoney.com/assets/legals/documents/Qantas_Money_Platinum_Credit_Card_Airline_Benefit_Terms.pdf

Qantas Money Platinum Credit Card Airline Benefit Terms and Conditions Lounge Invitation Benefit Companion Fare Benefit Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB.

2 Introduction These Terms and Conditions explain when you are eligible for the Lounge Invitation Benefit and Companion Fare Benefit , both of which are Special Feature s of the Qantas Money Platinum Credit Card. These Terms and Conditions will apply to you if you have been issued with a Card as the Primary Cardholder .

Meaning of Words When you see these words used in these Terms and Conditions, this is what they mean: Account means your Qantas Money Platinum unsecured credit facility with us . For the avoidance of doubt, these Terms and Conditions do not apply to the Qantas Money Everyday unsecured credit facility. Anniversary Year means the rolling 12 month period from the date the Account is approved by us . Card means your Qantas Money Platinum Credit Card. Cardholder means a holder of a Qantas Money Platinum Credit Card. Complimentary Lounge Invitation or Lounge Invitation means a general complimentary invitation to a Lounge , as governed by the Qantas Airport Lounge Access Terms and Conditions . Companion Fare Benefit means a discount on the base fares (excluding taxes, fees and carrier charges) of selected domestic Qantas and QantasLink flights for the Primary Cardholder and between one and eight others, travelling on the same booking number, day and flight(s). The benefit can only be used once per Anniversary Year , booked through the booking portal available via your Online Access and must be paid for in full using the Card . Lounge means eligible domestic Qantas Club and Qantas operated international Business Lounges. Mixed-Class Flight Itinerary means an itinerary that includes one or more flights and more than one of the following travel classes: ‘Economy’, ‘Premium Economy’, ‘Business’ and ‘First’.

3 Multi-City Flight Itinerary means an itinerary that includes two or more flights (excluding an itinerary that includes only a return flight), and which is referred to by Qantas as a ‘multi-city itinerary’. NAB/our/us/we means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) as the Credit Provider and Issuer of Qantas Money Credit C ards on behalf of Qantas Airways Limited ABN 16 009 661 901 ( Qantas ). If the context requires these words to refer to Qantas , they will refer to Qantas undertaking relevant actions or making relevant decisions for or on behalf of NAB . Online Access means the secure online services that you use to electronically access your Accounts via the Qantas Money Credit Cards App or via https://www.qantasmoney.com/credit-cards . Primary Cardholder means the person in whose name the Account is held and who is responsible for all transactions on the Account . Qantas means Qantas Airways Limited ABN 16 009 661 901, its successors and assigns. Qantas Airport Lounge Access Terms and Conditions means the terms and conditions available at qantas.com/loungeaccessterms as amended from time to time. Qantas Money Concierge means the concierge services provided to Primary Cardholders as described in the Qantas Money Credit Card Rewards Terms and Conditions . Qantas Money Credit Card Terms and Conditions means the document titled “Qantas Money Credit Card Terms and Conditions and Other Important Information” available at qantasmoney.com/terms as amended from time to time. Qantas Money Credit Card Rewards Terms and Conditions means the document titled “Qantas Money Credit Card Rewards Terms and Conditions” available at qantasmoney.com/terms as amended from time to time. Special Feature means any feature or promotional offer related to the Card we identify as a Special Feature .

4 you/your means the person in whose name the Account is opened. All other capitalised terms used in these Terms and Conditions have the same meaning as in the Qantas Money Credit Card Terms and Conditions . 2. Participation 2.1 You accept these Terms and Conditions when you use one of the benefits provided under these Terms and Conditions. 2.2 These terms are to be read in conjunction with, and are not designed to replace or alter, the Qantas Airport Lounge Access Terms and Conditions . 2.3 We may determine, acting reasonably, that you are not entitled to access these benefits on the basis that: (a) You are in breach of your Credit Card Terms and Conditions ; (b) Your Account is suspended; (c) We reasonably suspect you (or an additional Cardholder ) are operating your Account fraudulently; or (d) Your Account is closed or cancelled (whether by us or by you ), including if you cease to be a Qantas Frequent Flyer. 2.4 We may amend these Terms and Conditions at any time by posting a revised version on qantasmoney.com/terms . Where material changes are made (including a material change to, or the withdrawal of, any Special Feature ), we will attempt to provide you with at least 30 days’ notice or as much notice as is reasonably practicable. We will do this by publishing a notice on the website or otherwise notifying you . 3. Lounge Invitation Benefit 3.1 The Lounge Invitation Benefit comprises two complimentary single-entry Lounge Invitations made available to the Primary Cardholder each Anniversary Year .

5 3.2 Use of the Lounge Invitation and use of the Lounge are subject to the Qantas Airport Lounge Access Terms and Conditions . 3.3 Each year’s Lounge Invitation Benefit cannot be carried forward to a subsequent year. 3.4 Lounge Invitations can be accessed through qantas.com/freeloungeinvite . 3.5 Lounge Invitations are valid for 12 months from date of issue unless otherwise specified. 3.6 The Lounge Invitation Benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.4. 3.7 Any capitalised terms used in this section 3 that are not defined in these Terms and Conditions are defined in the Qantas Airport Lounge Access Terms and Conditions . 3.8 If Lounge access is declined (e.g. due to capacity constraints), and a substitute is not offered, you may complete the refund form on qantas.com/au/en/manage-booking/refunds. html and request for the pass to be reissued. Any decision to accept or decline the request is at Qantas’ discretion, which it will exercise acting reasonably. 4. Companion Fare Benefit 4.1 The Companion Fare Benefit is available once per Anniversary Year on selected domestic fare classes and routes operated by Qantas and QantasLink for bookings where the Primary Cardholder is flying together with between one and eight others on the same itinerary in the same fare class. For the avoidance of doubt, all flights and/or segments of the booking must be Qantas or QantasLink operated. Flight numbers that start with ‘QF’ does not mean flights are operated by Qantas or QantasLink. Find out more about which QF flights are not operated by Qantas or QantasLink at https://help.qantas. com/support/s/article/Flights-not-operated- by-Qantas .

6 4.2 Your entitlement to the Companion Fare Benefit cannot be carried forward to any subsequent year. 4.3 The booking must be made by you through the booking portal available via your Online Access , and you must pay for the booking in full using your Card . 4.4 You must be part of the booking and your name must match the name of the booking and the primary contact details used for the booking. 4.5 Flights must be made on the same booking number, day and flight(s). 4.6 Companion Fare Benefit discounts are available only on the following domestic fare classes, with discounts only applied to the base fare and excluding taxes, fees and carrier charges: Fare type Red eDeal (Discount Economy) Flex Economy (Flexible Economy) Business (Flexible Business) Booking classes L, M, N, Q, S, V B, H, K, Y C, J Discounts 10% 15% 20% 4.7 Companion Fare Benefit discounts are not available on all booking classes and in some instances there may be sale fares available to the general public that are cheaper than the fares offered under the Companion Fare Benefit . The Companion Fare Benefit is applied at booking-level. For a complete list of booking classes for each fare type, visit https://www. qantas.com/au/en/frequent-flyer/qantas- class-types.html . Completing a booking via your Online Access booking portal constitutes redemption of your Companion Fare Benefit . If the preferred flight you are booking is not eligible for a discount, the booking will still count as having used your benefit for the Anniversary Year . 4.8 The Companion Fare Benefit is available on both one-way and return domestic flights (whether or not such flights include stopovers), but if you book a one-way flight and choose

7 to use the Companion Fare Benefit , that is a redemption of the Companion Fare Benefit for that Anniversary Year . The Companion Fare Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itinerary , except Mixed-Class Flight Itineraries that include only the following travel classes: (a) ‘Economy’ and ‘Premium Economy’; or (b) ‘Business’ and ‘First’. 4.9 The Companion Fare Benefit cannot be combined with any other offer, discount or promotion unless otherwise specified. 4.10 Changes to your booking may incur fees. You will be responsible for paying the difference between the new fare and the original fare (less any applicable discounts). Whether a Companion Fare Benefit discount will apply to the new fare and, if so, the rate of the discount, will depend on the fare class of the new fare (as per section 4.6 above). Some fares are non-refundable. Cancellation fees and charges may also apply and any changes to the booking should be made via qantas.com or the Qantas Contact Centre. 4.11 All travel is subject to Qantas Conditions of Carriage (available at qantas.com/au/en/book- a-trip/flights/conditions-of-carriage.html ) and the fare rules applicable to the booking. Offers are subject to availability. Qantas reserves the right to cancel any Companion Fare Benefit bookings made by you that are not compliant to the Qantas Money Platinum Credit Card Airline Benefit Terms and Conditions. 4.12 This benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.4. Changes or withdrawals made by us to this benefit will not affect a Companion Fare Benefit discount already applied to an existing booking.

For more information: Visit us at https://www.qantasmoney.com/ credit-cards Alternatively, you can call us 24 hours a day, 7 days a week: – if you are calling within Australia 1300 992 700 – if you are calling from outside Australia +61 2 8222 2569 To make changes to an existing Companion Fares Benefit booking visit qantas.com or call a Qantas Contact Centre on 13 13 13 . National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. QCC16333_(0725)

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf

Correct as at 8 September 2025 Description of credit card This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009 . Product Name Qantas Money Everyday Credit Card Qantas Money Platinum Credit Card Qantas Money Titanium Credit Card Minimum credit limit $4,000 $6,000 $15,000 Minimum repayments You must pay the Minimum Payment Due by the Payment Due Date each month as advised in your statement. The Minimum Payment Due is:

the greater of: (a) $25, or if the Card Balance as at the end of the Statement Period is less than $25, the Card Balance; or (b) 2.00% of the Card Balance as at the end of the Statement Period (rounded up to the nearest dollar);
plus any Monthly Instalment, Initial Interest Charge, Instalment Fee or related interest on any of them, that is part of an Instalment Plan for that Statement Period. Interest on purchases* 20.99% p.a. 20.99% p.a. 20.99% p.a. Interest-free period Up to 44 days for the Retail Purchase Balance. Interest on cash advances 21.99% p.a. 21.99% p.a. 21.99% p.a. Balance transfer interest rate* Please refer to the interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you. Annual fee* $99 $399 $1,200 Late payment fee $30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. There may be circumstances in which you have to pay other fees. A full list of current fees can be obtained from qantasmoney.com/ credit-cards/platinum/fees-and-rates for Qantas Money Platinum, qantasmoney.com/credit-cards/everyday/fees-and-rates for Qantas Money Everyday, and qantasmoney.com/credit-cards/titanium/fees-and-rates for Qantas Money Titanium. For more information on choosing and using credit cards visit the ASIC consumer website at moneysmart.gov.au The terms on which this credit card is offered can change over time. You can check if any changes have been made by contacting us on 1300 992 700 . *Promotional offers may apply. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. QCC17948_(0725) Key facts about these credit cards

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Rewards_Terms.pdf

Qantas Money Credit Card Rewards Terms and Conditions — Qantas Money Everyday Credit Card — Qantas Money Platinum Credit Card — Qantas Money Titanium Credit Card Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. NAB is also the provider of the rewards program in these Terms and Conditions.

Table of Contents Introduction 3

Meaning of Words 3
Participation 6
Earning Qantas Points 7
Limitations on and loss of Qantas Points 9
Redeeming Points 11
Government Taxes, Duties and Charges 11
General 11
Special Features and Special Promotions 13
Concierge Services 13
Card Offers 15

3 Introduction These Terms and Conditions should be read in conjunction with the Qantas Money Credit Card Terms and Conditions and explain how Qantas Points can be earned using your Account . These Terms and Conditions will apply to you if you have been issued with a Card as the Primary Cardholder and that Card is used to earn Qantas Points . We instruct Qantas to credit your Qantas Frequent Flyer Membership Account with Qantas Points , based on spend on Eligible Transactions . These terms are to be read in conjunction with, and are not designed to replace or alter, the Qantas Frequent Flyer Terms and Conditions . The Qantas Frequent Flyer Terms and Conditions can be found at qantas.com/terms . Qantas Frequent Flyer is owned and operated by Qantas Airways Limited ABN 16 009 661 901.

Meaning of Words When you see these words used in these Terms and Conditions, this is what they mean: Account means your unsecured credit facility with us . Additional Cardholder means another person who you have authorised to have a Card on your Account . Additional Qantas Points or Bonus Qantas Points means Qantas Points available on certain Eligible Transactions in addition to the standard Earn Rate , and Qantas Points available through Special Promotions . Card means any credit card issued by us for use on your Account , including a physical or digital card. Cardholder means you and/or any Additional Cardholder . Card Offers means the offers provided to Cardholders as described in clause 10 of these Terms and Conditions. Claims mean any actions, suits, arbitrations, demands, verdicts, judgments, dues, costs and claims.

4 Concierge Services means the concierge services provided to Primary Cardholders as described in clause 9 of these Terms and Conditions. Consequential Loss means any loss or damage suffered by a party which is indirect or consequential, loss of revenue, loss of profits, loss of goodwill or credit, loss of use, loss of data, damage to credit rating, loss or denial of opportunity, or increased overhead costs. Domestic Spend means any Eligible Transaction where the scheme tells us that the merchant and its financial institution/payment processor are located or registered within Australia. Earn Rate means the rate at which you earn Qantas Points on Eligible Transactions , as set out in clauses 3 and 4. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Instalment Plans, Balance Transfers, Special Promotions , BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points , transactions made to invest in shares or other financial products or for crypto currency related transactions, and government related transactions. Government related transactions include transactions with government or semi- government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity or an investment in shares, and therefore not an Eligible Transaction, even if that merchant or transaction

5 is not in fact a government related entity or an investment company. International Spend means any Eligible Transaction where the scheme tells us that either the merchant or financial institution/payment processor is located or registered overseas. NAB/our/us/we means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686), the credit provider and issuer of Qantas Money Credit Cards under agreement with Qantas Airways Limited ABN 16 009 661 901. Primary Cardholder means the person in whose name the Account is held and who is responsible for all transactions on the Account . Qantas means Qantas Airways Limited ABN 16 009 661 901, its successors and assigns. Qantas Frequent Flyer means the loyalty program known as the Qantas Frequent Flyer program. Qantas Frequent Flyer Membership Account means the Qantas Frequent Flyer account opened in the name of the Primary Cardholder , to which Qantas Points earned by Eligible Transaction s will be credited. Qantas Frequent Flyer Terms and Conditions means the terms and conditions of Qantas Frequent Flyer as amended from time to time and located at qantas.com/terms . Qantas Spend means the following Eligible Transactions when paying with your Qantas Money Credit Card: • flights booked directly through qantas.com and Qantas Contact Centres; • Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; • purchases of Qantas Frequent Flyer membership; • purchases of Qantas Club membership, joining and annual fees; • purchases of Qantas Gift Vouchers; • purchases made from Qantas Wine and at the Qantas Rewards Store.

6 Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but exclusions are not limited to) purchases made with Jetstar or shopping.qantas.com . In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas . This means that the purchase would not be considered as Qantas Spend. Qantas Points means the points earned by Cardholders on Eligible Transactions , or on Special Promotions which the Rewards Program instructs Qantas to credit to the Primary Cardholder’s Qantas Frequent Flyer Membership Account , and which are subject to the Qantas Frequent Flyer Terms and Conditions . Rewards Program means the rewards program offered by us and provided in conjunction with the Card as described in these Terms and Conditions. Special Feature means any feature or Special Promotion related to the Card we identify as a Special Feature . Special Promotions means a special promotional offer made by us from time to time. Statement Period means the period to which a statement applies, usually about 30 days. you/your means the person in whose name the Account is opened. All other capitalised terms used in these Terms and Conditions have the same meaning as in the Qantas Money Credit Card Terms and Conditions. 2. Participation 2.1 You accept these Terms and Conditions on first use or activation of your Account or any Card issued in connection with your Account . These

7 terms are to be read in conjunction with, and are not designed to replace or alter, the Qantas Frequent Flyer Terms and Conditions which can be found at qantas.com/terms . 2.2 You are eligible to earn Qantas Points and participate in the Rewards Program , provided that: (a) You are a Qantas Frequent Flyer member; (b) Your Account entitles you to participate; and (c) You are not a corporation, firm, partnership or any other such legal entity. 2.3 By participating in the Rewards Program , you authorise us and Qantas to seek, collect, use, store, share or disclose to each other or to third parties for the purpose of your participation in the Rewards Program , information about Eligible Transactions , adjustments to your Account as a result of reimbursements, disputed transactions and refunds or other changes, your Qantas Points and the conduct of your Account . 3. Earning Qantas Points 3.1 Qantas Points will only be credited to a Qantas Frequent Flyer Membership Account in your name, even if the Qantas Points being credited were earned from an Additional Cardholder’s Eligible Transactions . For the avoidance of doubt, spend by an Additional Cardholder on the additional Card will not accrue Qantas Points in the name of the Additional Cardholder . 3.2 Once credited to your Qantas Frequent Flyer Membership Account , the Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions , as amended from time to time and located at qantas.com/terms . 3.3 Qantas Points are awarded in respect of Eligible Transactions as set out in the table below. The number of Qantas Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction .

8 Card Type Domestic Spend Earn Rate International Spend Earn Rate Qantas Spend Earn Rate Qantas Money Everyday Credit Card 0.75 Qantas Points for each whole Australian Dollar spent up to and including $3,000 each Statement Period and 0.4 Qantas Points for each whole Australian Dollar spent thereafter. 1 Qantas Point for each whole Australian Dollar spent. 1 Additional Qantas Point for each whole Australian Dollar spent, in addition to the Domestic Spend and/or International Spend Earn Rates . Qantas Money Platinum Credit Card 1 Qantas Point for each whole Australian Dollar spent up to and including $10,000 each Statement Period and 0.5 Qantas Points for each whole Australian Dollar spent thereafter. 1.5 Qantas Points for each whole Australian Dollar spent. 1 Additional Qantas Point for each whole Australian Dollar spent, in addition to the Domestic Spend and/or International Spend Earn Rates .

9 Card Type Domestic Spend Earn Rate International Spend Earn Rate Qantas Spend Earn Rate Qantas Money Titanium Credit Card 1.25 Qantas Points for each whole Australian Dollar spent up to and including $12,500 each Statement Period and 0.5 Qantas Points for each whole Australian Dollar spent thereafter. 2 Qantas Points for each whole Australian Dollar spent. 2 Additional Qantas Points for each whole Australian Dollar spent in addition to the Domestic Spend and/or International Spend Earn Rates . 3.4 It will take up to 60 days after an Eligible Transaction has been processed by us for Qantas Points to be credited to your Qantas Frequent Flyer Membership Account , or such other period as we may communicate to you from time to time. 3.5 At the end of your Statement Period , the Qantas Points earned during that period on your Account , will be displayed via Online Access. 4. Limitations on and loss of Qantas Points 4.1 You will only earn Qantas Points on Eligible Transactions , or as otherwise advised under a Special Promotion . 4.2 If you or an Additional Cardholder receives a refund or reimbursement (for example returned goods or services), a chargeback is made to your Account , or where Qantas Points were incorrectly credited to your Account , the Qantas Points relating to that reversal will be deducted from your Qantas Frequent Flyer Membership Account .

10 4.3 Qantas Points have no monetary value, are not transferable by you to another Rewards Program offered by us and cannot be redeemed for cash. 4.4 Acting reasonably, we may determine that you will not earn Qantas Points on your Card , and any Qantas Points that you have already earned and that we have not yet instructed Qantas to credit to your Qantas Frequent Flyer Membership Account will not be credited, if: (a) You are in material breach of your Qantas Money Credit Card Terms and Conditions; (b) Your Account is suspended; (c) We reasonably suspect you (or an Additional Cardholder ) are operating your Account fraudulently; (d) Your Account is closed or cancelled (whether by us or by you ), including if you cease to be a member of Qantas Frequent Flyer ; or (e) We receive notification that you have passed away. 4.5 We may also, acting reasonably, otherwise suspend your right to earn Qantas Points . If we notify you that your right to participate in the Rewards Program is no longer suspended (including because your Account suspension has been lifted), you will be able to earn Qantas Points on Eligible Transactions from the date your suspension ends. 4.6 We may, acting reasonably, terminate your right to earn Qantas Points . At the time we terminate your right to earn Qantas Points by using your Account , you will no longer accrue Qantas Points on Eligible Transactions . In addition, if your Account is cancelled under the Qantas Money Credit Card Terms and Conditions your participation in the Rewards Program will also be terminated. We will make a reasonable attempt to give you 30 days’ notice, but we may give less notice in urgent circumstances.

11 5. Redeeming Points 5.1 Only you can redeem your Qantas Points in accordance with the Qantas Frequent Flyer Terms and Conditions . 6. Government Taxes, Duties and Charges 6.1 We accept no liability in respect of any government taxes (including Goods and Services Tax), duties or other charges that may be imposed by law in any country arising from the earning or redemption of Qantas Points or participation in the Rewards Program . 6.2 We give no warranty and accept no responsibility as to the ultimate taxation treatment of Qantas Points . You should seek independent tax advice in respect of the tax consequences arising from the use of this product or from participating in the Rewards Program . 7. General 7.1 Where the rewards you redeem under this program are provided by Qantas , to the extent permitted by law, we are not responsible for those rewards or any death or injury, loss or Consequential Loss or damage from a reward or the loss, theft or destruction of a reward (except to the extent arising from our fraud, negligence or misconduct). 7.2 We give no warranty (whether express or implied) whatsoever with respect to any rewards provided by Qantas Frequent Flyer. Rewards will normally come with warranties from the supplier or manufacturer of the rewards and any Claims in respect of those rewards should be made with those suppliers or manufacturers. In particular, we do not represent that any particular reward is suitable for the purpose for which you intend to use it.

12 7.3 We may, acting reasonably, vary these Terms and Conditions from time to time. For example, we may: • change the way you earn Qantas Points ; • change the way we award Qantas Points ; • introduce or change Rewards Program features, fees and conditions; and • make changes as a result of changes made by our suppliers or partners. We will provide at least 30 days’ prior notice of changes, unless we reasonably consider the change to be non-material in nature. We will give you as much notice as is reasonably practicable for any non-material changes to these Terms and Conditions and we will either publish this on our website or otherwise notify you . However, you acknowledge that Qantas Points will be subject to the terms of the Qantas Frequent Flyer program which may be subject to change by the program operator. 7.4 Disputes about missing Qantas Points (including where the dispute concerns your participation in Qantas Frequent Flyer ) will only be accepted up to 12 months after the date of the relevant transaction or such time as is reasonable in the circumstances. We may, acting reasonably, require you to provide documentary evidence to support your claim. 7.5 We do not accept any liability for promotional materials published, or produced directly by Qantas . 7.6 We will exercise any rights or discretions that we have under these Rewards Program Terms and Conditions in a fair and reasonable manner. That includes whenever we are: (a) considering any request you make; (b) deciding whether to give our consent or to exercise a right, discretion or remedy; (c) setting any conditions for doing any of those things; or (d) making changes under clause 7.3 or anywhere else in these Rewards Program Terms and Conditions.

13 Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes and making adjustments to your Qantas Points . It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement. 8. Special Features and Special Promotions 8.1 Your Account may have access to a variety of Special Features and Special Promotions , which will be identified as such and will be subject to these Terms and Conditions, together with the terms and conditions of each of the Special Features and Special Promotions , as advised to you at the time of promotion, acquiring or using the Special Features or Special Promotions . 8.2 You will earn Additional Qantas Points or Bonus Qantas Points subject to meeting eligibility criteria for Special Promotions or Special Features offered by us from time to time. 9. Concierge Services 9.1 We provide complimentary Concierge Services to you via third parties. Concierge Services will act on your behalf and as an intermediary in assisting you with the following requests: (a) Travel – for example, pre-trip information, flight and hotel availability and bookings; (b) Entertainment – for example, ticket bookings for events, and restaurant reservations; (c) Lifestyle – for example, information on golf clubs, health clubs, and pet services; and (d) Shopping – for example, sourcing hard to find items or arranging gift purchase and delivery.

14 9.2 You will be informed of the cost and options, if available, before any booking or purchase is made for you . Concierge Services will not incur costs on your behalf unless your prior consent has been received. Any purchases once authorised and confirmed by you will be deemed as non-refundable on non- exchangeable items. 9.3 Concierge Services will provide you with a clear and detailed breakdown of any costs associated with the provision of a service, prior to arranging the service. You will not be charged for research or co-ordination services performed by Concierge Services . You will be responsible for all other costs and expenses related to your request. To the extent possible, goods and services acquired on your behalf will be charged directly by the provider to your Account . If Concierge Services advances funds for goods or services at your request, Concierge Services shall bill that amount to your Account . 9.4 Concierge Services will not locate goods and services if they are: (a) requested for re-sale, professional or commercial purposes; (b) abroad when Concierge Services is aware of customs regulations which prohibit the shipping of the items to you ; (c) prohibited under applicable law or which contravene popular moral or ethical standards; or (d) do not clearly provide some recreational benefit to you . 9.5 When goods or services are purchased on your behalf, items will be purchased and/ or delivered in accordance with national and international regulations: (a) You are at all times responsible for customs and excise fees and formalities; (b) Concierge Services recommends that any goods or services purchased on your behalf be insured for mailing or shipping. If you require an insurance policy for

15 them, you must specify this and you will be charged the cost of the insurance. Concierge Services does not otherwise arrange for an insurance policy to apply to them. Neither we nor Concierge Services provides mailing or shipping services. Mailing and shipping services are organised in accordance with your instructions. You may have remedies against the company which ships the goods to you . 9.6 Concierge Services accepts no liability arising from any provider that does not fulfil their obligations to you , subject to any chargeback entitlement you may have, except to the extent loss or damage is caused by our fraud, negligence or misconduct. 10. Card Offers 10.1 Qantas provide Card Offers to you via their service provider Mastercard Loyalty Solutions Australia Pty Ltd (“MLS”). In order to participate in and receive any awards resulting from the Card Offers , you also need to comply with the following terms and conditions: (a) You must be eligible for/assigned each individual retailer offer and comply with the terms and conditions of the Card Offers which can be found at https://shopping. qantas.com/terms-and-conditions . For example, you must meet the relevant spend criteria within the relevant dates; (b) You must pay for the transaction within the Card Offers by using an eligible linked Mastercard credit or debit card; and (c) Acknowledge that if you delete the Qantas Money App or remove an eligible linked payment Card , all offers will still be eligible to earn Qantas Points if the offer was assigned to you prior to the deletion or removal date.

For more information Visit us at https://www.qantasmoney.com/ credit-cards Alternatively, you can call us 24 hours a day, 7 days a week: • if you are a Qantas Money Platinum or Qantas Money Everyday Cardholder and are calling within Australia 1300 992 700 or if you are calling from outside Australia +61 2 8222 2569 • if you are a Qantas Money Titanium Cardholder and are calling within Australia 1300 019 682 or if you are calling from outside from Australia +61 2 8288 2452 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. NAB is also the provider of the rewards program in these Terms and Conditions. QCC16258_(0725)

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf

Qantas Money Credit Card Terms and Conditions and Other Important Information This booklet includes your Terms and Conditions, Privacy Notice, Credit Guide, Information Statement. Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB.

2 Key things to keep in mind This document together with the offer email that includes the Financial Table that sets out the key details about your Account , including your Credit Limit , Annual Percentage Rates and fees and charges are important. They set out our and your rights and obligations regarding your Account . Please keep them and refer to them when you need it. While it’s important for you and any Additional Cardholder to read the whole document as well as the offer email (including the Financial Table ), we have pulled out some key things you should know upfront. Tell us if something doesn’t seem right It’s important to check your transaction history, which you can do via Online Access or when you receive a statement. Contact us immediately if you suspect a Card is lost or stolen, a Security Code (including PINs ) is compromised, there are unauthorised or disputed transactions on your Account or any other security breach. Please see section 12 of Part A of this booklet for reporting requirements. In some circumstances, you will be liable for unauthorised use of Cards . Contacting us quickly stops you being liable for some types of transactions (see section 12 in Part A of this booklet) and means we may ask for a Chargeback of a transaction where that right exists (see section 10 in Part A of this booklet). The ability to dispute a transaction may be lost if it is not reported within the timeframes we specify or describe. Time limitations may not apply in circumstances where the ePayments Code applies. How your Credit Limit and Total Cash Limit operate Your Credit Limit is the maximum amount you can draw down. Your Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit , but in some cases may be lower.

3 We may allow you to temporarily exceed your Credit Limit . We will take reasonable steps to let you know if you do. Any Overlimit Amount will need to be repaid straight away. The Credit Limit may also be exceeded because of interest and fees or charges. There are some cases where we may reduce your Credit Limit or Total Cash Limit without your permission. For example, where you are in default of this credit contract or where we have good reason to believe that your Credit Limit or Total Cash Limit is more than you can manage without financial difficulty. See section 2 of Part A of this booklet. Instalment Plans We may offer you an Instalment Plan , which is a plan under which a particular balance on your Account is to be repaid in near equal Monthly Instalments over a set term. The Annual Percentage Rate (APR) which applies to an Instalment Plan (other than amounts not paid when due and related interest) is likely to be different to the APR that would otherwise apply to that particular amount and may be zero. Some Instalment Plan offers have a fee that applies to set it up. The payment due each month under an Instalment Plan is included in your Minimum Payment Due on your statement. Warning – having an Instalment Plan means us applying payments in a different order. If you have an Instalment Plan , payments will be applied first to Instalment Plan amounts that are overdue and due in the current Statement Period before being applied to other amounts which may have a higher APR than an Instalment Plan . As a result, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first. If you change your mind and don’t want payments applied in a different order, your Instalment Plan will be cancelled.

4 See section 5 of Part A of this booklet for more information about how Instalment Plans work, what happens if Extra Payments are made or you end an Instalment Plan early and what happens if instalment payments are overdue. Contact us if you are experiencing financial difficulty If you are experiencing financial difficulty and think you may not be able to make repayments, we can help. We encourage you to contact us as soon as possible. We will discuss your situation and the options available to help you . The sooner you contact us , the sooner we can try to help. Interest rates, fees and charges and repayments Different interest rates apply depending on the transaction type. Your Financial Table sets out the different rates that apply and section 8 of Part A of this booklet provides more information about how interest is calculated and charged for different transaction types. Your Financial Table sets out the fees that apply and when they are charged. If you don’t meet your repayment obligations, you may be charged a late payment fee. If you have any Overdue Amount or Overlimit Amount you will need to pay these amounts straight away to rectify your Account . If you do not repay any amount when due, we may close or suspend your Account . See section 7 of Part A of this booklet. Changes we may make and how we will tell you We may change any of the terms and conditions that apply to your Account , including your Credit Limit by reducing it, Annual Percentage Rates , fees and charges, the calculation of repayments and other Account features. You can find more information about what changes we can make and when and how we will communicate these changes in section 11 of Part A of this booklet.

5 Default If you are in default, we may require you to immediately pay the outstanding balance of your Account plus amounts incurred and not yet charged. You may also be liable for enforcement expenses – see section 7 of Part A of this booklet. Other things to keep in mind – Sometimes we may need to close or suspend your Account , cancel or suspend a Card or a Cardholder’s access to Online Access , or not process a transaction. For example, we may do this to manage risk, or to protect you or us from fraud, scams and other losses or if you or an Additional Cardholder use the Account in an unacceptable way. You can find more information about the circumstances in which we may do this in section 7 and section 16 of Part A of this booklet. You still need to pay us all amounts owing to us under your credit card contract if any of these things happen. – We share information with third parties, including Qantas, credit reporting bodies, our rewards provider and other service providers for the purposes set out in Part B: Privacy. We usually collect your personal information directly from you . However, we may need to collect personal information about you from third parties, including the collection of your credit report or other credit eligibility information from credit reporting bodies as set out in Part B: Privacy. Please contact us if you have questions about these terms and conditions or your Account .

6 (Some words used in these terms and conditions have defined meanings, and you can find them in the Dictionary – see section 17.) ® Registered to BPAY Pty Ltd ABN 69 079 137 518 Part A: Qantas Money Credit Card Terms and Conditions � � � � � � � � � � � � � 7

Getting started with your contract . . . . . . . . 7 1A. How we may exercise our rights and discretions . . . . . . . . . . . . . . . . . . . . . . . 7
Use of Cards and the Account . . . . . . . . . . 9
International transactions . . . . . . . . . . . . 13
Payments . . . . . . . . . . . . . . . . . . . . . . . 15
Instalment Plans , Balance Transfers and Special Promotions . . . . . . . . . . . . . 16
Statements and other communications . . . 23
Default, Suspension and Closure . . . . . . . . 25
Interest Charges . . . . . . . . . . . . . . . . . . 29
Fees and other charges you must pay . . . . 34
Solving problems . . . . . . . . . . . . . . . . . . 34
Changes . . . . . . . . . . . . . . . . . . . . . . . 37
Security and liability for losses for unauthorised electronic transactions . . . . . 38
Things we aren’t responsible for . . . . . . . . 41 13A. Mistaken Internet Payments . . . . . . . . . . . 42
Conditions for specific Payment Facilities . . 48
BPAY® . . . . . . . . . . . . . . . . . . . . . . . . . 49
General matters . . . . . . . . . . . . . . . . . . 58
Dictionary . . . . . . . . . . . . . . . . . . . . . . 60 Part B: Privacy � � � � � � � � � � � � � � � � � 66 Part C: Credit Guide � � � � � � � � � � � � � 75 Part D: Information Statement � � � � � � 80 Contact us � � � � � � � � � � � � � � � � � � � 85 Contents

7 Part A: Qantas Money Credit Card Terms and Conditions 1 � Getting started with your contract This Part A: Qantas Money Credit Card Terms and Conditions contains some but not all of the terms of your credit contract and the information we are required to tell you – you can find the rest of your terms in your offer email which includes the Financial Table . You will accept our offer and agree to the terms of your credit contract: – when you or an Additional Cardholder uses your Account or uses or activates a Card (this includes us debiting your Account to process a Balance Transfer requested by you ); or – by following an acceptance method we may make available after you submit an online application. We will let you know if we make this acceptance method available. Rewards programs are covered by a separate related contract between you and us , and under their own separate terms and conditions. You must join the Qantas Frequent Flyer program, and we can close or suspend your Account or cancel or suspend a Card if you cease to be a Qantas Frequent Flyer member (see section 7 for more information). 1A � How we may exercise our rights and discretions When we exercise a right or discretion under this contract (like considering a request you make or deciding whether or not to do something), we will do it in a way that is fair and reasonable. We can take a range of things into account when exercising our rights and discretions. These can include:

8 (a) our legal obligations, industry codes, payment scheme rules and the expectations of our regulators; (b) protecting our customers, staff, systems and the personal information we hold; (c) whether any information you provided us is misleading, incorrect or incomplete, or you haven’t provided us with information we reasonably need when asked; (d) how our products and services are intended to be used (and how you have used them); (e) our public statements, including those relating to protecting vulnerable persons, the environment or sustainability; (f) community expectations and any adverse impact on our reputation; (g) whether we need to take action to protect you or another person from a potential fraud or scam; or (h) risk management, including sanctions risk management. If we impose any conditions or requirements to any consent we give, or agree to any request that you make subject to conditions, then you will need to comply with those conditions or requirements. Our rights and remedies may be carried out by any person we have authorised, including employees.

9 2 � Use of Cards and the Account Using the Account Make payments to others Pay retailers in store, online or over the phone. Arrange for a Balance Transfer (if offered). Pay bills through BPAY using Online Access . Set up Recurring Card Instructions (this is a regular payment you authorise a merchant to charge to your Card by providing your Card number and details to the merchant). Get cash Use a Card to withdraw cash at an ATM, any Australia Post Bank@Post TM 1 outlet and over the counter at any bank in the world that displays the Mastercard ® 2 symbol. Get information Get information using the customer service centre or Online Access . 1 Bank@Post TM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved. 2 Mastercard is a trademark of Mastercard International Incorporated. Subject to these conditions you are responsible for all transactions on your Account , and any losses we incur in connection with them, except to the extent such loss or damage is caused by our fraud, negligence or misconduct. Credit Limits and other limits You can use the Account up to the Credit Limit by drawing any Available Credit . The Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit , but in some cases may

10 be lower. We will notify you if your Total Cash Limit is lower than your Credit Limit . Daily, weekly and other maximum limits may also apply to Cards or to the Account , either generally, or for particular types of transactions. We may change a limit or impose a new daily, weekly or other maximum limit. We will notify you in accordance with section 11 if we make any changes to limits. We may authorise transactions that exceed your Available Credit or Total Cash Limit , but we do not have to. We will take reasonable steps to alert you if we allow your Account to exceed the Credit Limit so that you can rectify the Account . If you exceed your Credit Limit for any reason any Overlimit Amount will need to be repaid straight away. Your failure to do so may mean that we can exercise our rights that arise under these conditions when you are in default (see section 7 for more information). You are entitled to reduce your Credit Limit to any amount that equals, or exceeds, the minimum Credit Limit for your product. To request a reduction in your Credit Limit you can contact us , including by making a request through Online Access . Keep in mind you will first need to pay us any amount that’s owing above the new Credit Limit you have asked for. There are some cases where we might reduce your Credit Limit or Total Cash Limit without your permission, including: – if you have defaulted on your credit contract; – where we have good reason to believe that your existing Credit Limit or Total Cash Limit is more than you can manage without financial difficulty; – where your Account is inactive; – to manage a risk, including to prevent potential fraud or scam. Where we reduce your Credit Limit or Total Cash Limit we may not give you notice in advance (or we may give you less than 30 days’ notice) if it is reasonable for us to do so in order to avoid or reduce material loss to us or to manage a risk.

11 We won’t reduce your Credit Limit to an amount that is less than your outstanding balance. Where we do not give you notice in advance, we will let you know in writing as soon as practicable after doing this (unless you are in default under your credit contract). In other circumstances, we will give you at least 30 days’ notice in writing. Once we have reduced your Credit Limit , we may decline any transactions that would cause your outstanding balance to go above the new limit. You can close your Account if you are not happy with the reduced Credit Limit or Total Cash Limit . See section 7. Additional Cards You may ask us to issue additional Cards . If we agree, we may give an Additional Cardholder : – an additional Card and a separate PIN , and other Security Codes necessary to use other facilities like the customer service centre and Online Access . We may allow some Security Codes (including the PIN ) to be selected by the Additional Cardholder ; and – access to your Account details and transaction history. An Additional Cardholder can use the Account and Card in any way that you can, except that the Additional Cardholder cannot request or arrange a Balance Transfer , Instalment Plan , change the Credit Limit or other limits, or close the Account . You are liable for any transactions, fees, charges and any other use of the Card or Account , by an Additional Cardholder , except to the extent such transaction or use is caused by our fraud, negligence or misconduct or is made after we have received your notice to cancel the Additional Cardholder’s Card and remove their authority to use your Account . You will still be responsible for any transactions that are made by the Additional Cardholder before we receive your notice, that are processed and added to your Account after. You must make sure all Additional Cardholders comply with these conditions.

12 Limits on use Cardholders must not, or won’t be able to, transact: – at retailers or ATMs who choose not to accept Cards for that type of transaction; – with a merchant in which the Cardholder has an ownership interest (unless it is publicly listed); – with a Card after it expires, is suspended or cancelled or reported lost or stolen; – for business purposes; – for the purpose of gambling or in connection with unlawful activities; and – to invest in shares or other financial products or for crypto currency related transactions. We can block or not process a transaction (including a payment made from the Account or a credit made by a merchant to the Account ) that we reasonably consider is a gambling transaction or a transaction to invest in shares or other financial products (including receipt of investments returns) or related to crypto currency. If (for whatever reason) we are unable to block a gambling transaction or a transaction to invest in shares or other financial product or related to crypto currency – and we allow the transaction to occur – it will be treated as a Cash Advance . This may happen in limited circumstances, including where our systems are down or the merchant terminal is unable to obtain authorisations. We may also limit transactions on the Account for the reasons set out in section 7 under the heading “When we can close or suspend your Account , cancel or suspend a Card or access to Online Access , or not process a transaction”. You and Additional Cardholders agree to provide any information that we reasonably request in connection with the Account and any relevant transactions. Some purchases or other transactions may require our approval before they can be completed or require a Cardholder to enter a Security Code . If we do not approve or process, or we reasonably delay,

13 any transaction we will not be liable to you or any other person for any loss or damage that you or the other person may suffer as a result except for loss arising as a result of our fraud, negligence or misconduct. A Card or Security Code must not be used by anyone except the Cardholder to whom it was allocated (and in the case of a physical Card , the Cardholder whose name and signature is on the Card ). Altering or stopping a payment You or an Additional Cardholder can stop or alter payments you or an Additional Cardholder have made or authorised as follows: Payment type Stop or alter? By contacting who before the payment is processed Recurring Card Instructions Stop Only by contacting the merchant Other (BPAY, Card payments) No These cannot be stopped or altered unless it’s a scheduled BPAY payment which can be cancelled in Online Access up to the day before the scheduled payment date. 3 � International transactions Use outside Australia Making payments, receiving credits from merchants and the use of a Card , including Online Access and the customer service centre outside Australia is subject to Australian, and overseas legal requirements. This means that making payments, receiving credits from merchants and using those facilities outside Australia may not be possible, permitted or may be subject to limits (e.g. a maximum amount).

14 Card transactions Where there is an international transaction, the amount we charge to your Account will always be in Australian dollars – no matter which currency the Cardholder pays in. The exchange rate used to calculate the amount of Australian dollars will depend on the currency the Cardholder decides to pay in. If the Cardholder decides to pay in: The exchange rate will be: Australian dollars the rate used by the merchant to convert the foreign currency amount into Australian dollars A foreign currency a rate: – selected by the Card scheme from a range of rates available in wholesale currency markets for the applicable processing date; or – mandated by a government or governing body and in effect for the applicable processing date We also charge fees on international transactions, which are set out in more detail in your Financial Table together with details of the interest rates and other fees and charges applicable to your Account . Conversion differences Because of the various conversion processes and the rates used in them, the Australian dollar amount that we charge you will usually be different to the amount that you may have calculated at the time you initiated the transaction. Similarly, if you receive a refund of a foreign currency transaction, the Australian dollar amount of that refund might differ from the amount of the original transaction.

15 4 � Payments Paying the Account You must pay in Australian dollars the Minimum Payment Due by each Payment Due Date . If there are any Overdue Amounts or Overlimit Amounts they must be paid straight away to rectify your Account . If you have an Overdue Amount and Overlimit Amount owing at the end of the Statement Period , the higher of the two amounts will be included in the Total Minimum Payment Due shown in your statement. Your failure to pay an amount by its due date for payment may mean that we can exercise our rights that arise under these terms and conditions when you are in default (see section 7 for more information). Your statement tells you how to pay us. You must pay all amounts owing under this contract without setting off amounts you believe we owe you (except where you have a right to set off that you cannot legally agree to give up such as, where a court order permits or where you have established that a payment is not due and payable). We credit payments as soon as reasonably practicable and that may be delayed if the payment is not clear funds. If we are not sure which of your Accounts it is intended for we may choose to credit it to any of your Accounts . Application of payments Unless an Instalment Plan is set up, we will apply payments firstly to the portion of the Closing Balance of your most recent statement which attracts the highest APR and then to the portion which attracts the next highest APR and so on. Payments are then applied to balances that have not yet appeared on your statement in a similar fashion. If an Instalment Plan is set up, payments will be applied differently. Please see section 5 for more detail.

16 5 � Instalment Plans , Balance Transfers and Special Promotions We may offer an Instalment Plan , Balance Transfer or a Special Promotion on any terms and conditions that we determine which, to the extent required, will operate as a variation to these conditions. Instalment Plan Introduction – Your Instalment Plan is a plan under which a particular balance is paid off in instalments. – You can convert a new transaction or part of your outstanding balance including a purchase or Cash Advance to an Instalment Plan only where we agree to this. – A fee may apply for setting up the Instalment Plan ( we call this an Instalment Fee ). If this fee applies, it is not included in the Main Instalment Plan Balance and amount you repay by the Monthly Instalments under the Instalment Plan . Instead it will be charged to your Account and shown on your statement for the Statement Period in which you set up your Instalment Plan , and the whole fee will form part of the Minimum Payment Due on that statement. – When you apply for, or agree to, the Instalment Plan you will be given the following details in relation to that particular Instalment Plan (and you must agree to these in order to enter into the Instalment Plan ): • the Instalment Fee (if any) that will apply to set up an Instalment Plan ; • the Annual Percentage Rate (APR) for the Instalment Plan ( Instalment Plan APR ) (which is likely to be different to the APR that would have applied to the particular amount if it had not been converted to an Instalment Plan , and may be zero); and • the length of the term, which is the number of months in which you pay the Monthly Instalments .

17 – We charge interest on the Instalment Plan from when the Instalment Plan is set up until it is cancelled or repaid in full, and it is generally charged to your Account at the end of each Statement Period . – To the extent and while a transaction of a particular type is converted to an Instalment Plan , it will not be a transaction of that type. For example, if a Retail Purchase is converted to an Instalment Plan , for the purpose of these terms, it will not be a Retail Purchase while the Instalment Plan is in place. How an Instalment Plan usually works – During the Statement Period in which the Instalment Plan is set up, you will be charged an Initial Interest Charge on the Main Instalment Plan Balance calculated from the day the Instalment Plan is set up until the last day of the Statement Period using the Daily Instalment Plan Rate and the Daily Calculation Method . – The Initial Interest Charge will be charged to your Account at the end of the Statement Period and becomes part of the Minimum Payment Due on the statement we send at the end of the Statement Period . – Each statement after that will show an instalment for that Statement Period , which is due in the next Statement Period on the Payment Due Date . There will be an instalment for each month of the term (e.g. 24 instalments for a 24-month term) ( Monthly Instalments ): • the Monthly Instalments are calculated so that if each (approximately equal) Monthly Instalment is paid on its Payment Due Date , the Main Instalment Plan Balance and any interest in relation to it will be reduced to zero on payment of the last Monthly Instalment . The last Monthly Instalment is generally slightly different to previous Monthly Instalments ; • each Monthly Instalment includes a principal component plus interest charged on the Main Instalment Plan Balance for the Statement Period ; and

18 • that interest will be calculated by multiplying the Monthly Average Balance by the Monthly Instalment Plan Rate and charged to your Account at the end of the Statement Period . Instalment Plan – Application of Payments Warning – having an Instalment Plan means us applying payments in a different order By requesting an Instalment Plan , you request and if we set it up, we agree, that payments made in a Statement Period will be applied: (a) first to any overdue Monthly Instalment , Initial Interest Charge or Instalment Fee and related interest charged to the Account ; (b) then to any Monthly Instalment , Initial Interest Charge or Instalment Fee due in that Statement Period ; (c) then to the balance of your Account , excluding the Main Instalment Plan Balance , in the way described in section 4. However, if an Instalment Plan is cancelled, payments will be applied to the amount that was part of the Main Instalment Plan Balance for that Instalment Plan as if it formed part of the Closing Balance of the statement for the first Statement Period starting on or after the cancellation was processed (and not any earlier statement); and (d) then to the Main Instalment Plan Balance . Where there is more than one Instalment Plan we will apply the payments in the order of Instalment Plan APR (the Instalment Plan that attracts the highest APR first, then to the Instalment Plan that attracts the next highest rate and so on) and if more than one has the same Instalment Plan APR , in the order of Instalment Plan creation (the oldest Instalment Plan first, then to the next oldest Instalment Plan and so on). As a result of payments being applied in that way, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first.

19 You may withdraw your request to apply payments in that way at any time. If you withdraw your request, this means that you are also requesting that we cancel your Instalment Plan and your Instalment Plan will be cancelled. What happens if there are Extra Payments , an Instalment Plan is cancelled or payments aren’t made on time? Extra Payments – When an Extra Payment is made in a Statement Period that does not fully reduce the Instalment Plan to zero, future Monthly Instalments payable as part of that plan will be recalculated over the remaining term using the same Instalment Plan APR and remaining Main Instalment Plan Balance . The Monthly Instalments will be recalculated in the way described in the third dot point of the sub-section titled “How an Instalment Plan usually works”. If you don’t pay on time – If you fail to pay the Minimum Payment Due by its Payment Due Date , we calculate and charge interest on any Overdue Instalment Amount component from the day after the Payment Due Date at the APR applicable to Retail Purchases . It will be calculated using the Daily Retail Rate and the Daily Calculation Method until it is repaid in full. – Interest on any Overdue Instalment Amount will be charged to your Account at the end of the Statement Period and will form part of the Minimum Payment Due on the statement for that Statement Period . – We may also cancel the Instalment Plan . We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan . Ending an Instalment Plan Early – If an Instalment Plan is cancelled or repaid in full Early , the interest on the Main Instalment Plan Balance in the Statement Period where that happens is calculated using the Daily Instalment

20 Plan Rate and the Daily Calculation Method from the start of the Statement Period up to: • the day before the Instalment Plan is cancelled or repaid, if it is cancelled by you or repaid in full; or • the day the Instalment Plan is cancelled if it is cancelled by us. The interest is charged to your Account at the end of the day on the day the Instalment Plan is cancelled or repaid. That interest will not form part of the Main Instalment Plan Balance , will be treated as a Retail Purchase transaction type and interest on it will be calculated and charged in accordance with section 8 at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). – If you or we cancel an Instalment Plan , any Main Instalment Plan Balance will revert to the underlying transaction type and the APR and interest calculation that relates to it starting from: • the day the Instalment Plan is cancelled if it is cancelled by you ; or • the day after the Instalment Plan is cancelled if it is cancelled by us. For example, if a Cash Advance was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Cash Advances . If a Retail Purchase was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). – If a Retail Purchase that was converted to an Instalment Plan is fully or partially refunded, the Instalment Plan will continue to operate. General – If you are eligible to earn Qantas Points , any Qantas Points will be earned prior to conversion to the Instalment Plan . The conversion itself

21 will not earn Qantas Points unless we tell you otherwise. – For any Instalment Plans , except for section 1A, this section 5 takes precedence over any other terms in the terms and conditions where there is a conflict. – In this section 5: • Daily Calculation Method means calculating interest by multiplying the applicable daily percentage rate by the daily unpaid balance for each relevant amount for each day of the relevant period and then adding those amounts together. • Daily Instalment Plan Rate means the Instalment Plan APR divided by 365. • Daily Retail Rate means the APR applicable to Retail Purchases divided by 365. • Extra Payment means an amount applied to an Instalment Plan during a Statement Period that reduces the Main Instalment Plan Balance . • An Instalment Plan is cancelled or repaid in full Early if this happens in a Statement Period before the one in which the final Monthly Instalment amount would have been due. • Main Instalment Plan Balance means the remaining principal balance of the Instalment Plan on any day that is not included in a Monthly Instalment that is due or any Overdue Instalment Amount . • Monthly Average Balance means the average balance of the Main Instalment Plan Balance during a Statement Period . • Monthly Instalment Plan Rate means the Instalment Plan APR divided by 12. • Overdue Instalment Amount means any unpaid overdue Monthly Instalments , Initial Interest Charge and Instalment Fee and any related interest.

22 Balance Transfers We may offer you a Balance Transfer as part of your Account application or after your Account is opened. A Balance Transfer is where you move the outstanding balance of an eligible credit card or other eligible credit account that is not another Qantas Money credit card ( Nominated Account ) to your Account . The terms of a Balance Transfer offer will have further details about eligible credit cards or other eligible credit accounts that may apply to a Balance Transfer offer. If a Balance Transfer Fee applies, you will be notified in the offer details. If applicable, the fee is calculated based on the amount transferred. It will be debited to your Account on the day your Balance Transfer is processed and will incur interest at the APR that applies to your Balance Transfer from the day it is debited until the end of the Balance Transfer Term. You will incur interest on the amount of a Balance Transfer and any Balance Transfer Fee and related interest for the Balance Transfer Term , unless the promotional APR for your Balance Transfer is 0% p.a. The interest will be at the rate we offer and you accept for that Balance Transfer . After the Balance Transfer Term , any portion of the Balance Transfer amount that is still owing on your Account (including any Balance Transfer Fee or related interest) will be treated as a Cash Advance transaction type and incur interest at the APR that applies to Cash Advances . If you want to pay off your Balance Transfer before the end of the Balance Transfer Term , you will likely need to pay more than your Minimum Payment Due each month (although it will depend on the Balance Transfer Term and whether any other transactions are made to your Account ). We usually process a Balance Transfer request within: – 7 Business Days from the date your application is approved, if a Balance Transfer request is made as part of your Account application.

23 – 3 Business Days from the date of your request, if a Balance Transfer request is made after your Account is opened. We may refuse to process your Balance Transfer request, in full or in part, if: – the Balance Transfer amount is more than your Available Credit at the time it is processed; – you provide incorrect details for the Nominated Account ; or – your Account or Card has been suspended for one of the reasons set out in section 7. We will notify you of any minimum or maximum amounts that apply to a Balance Transfer in the details of our offer as well as any other conditions that may apply to the Balance Transfer offer that aren’t included in this section. Unless we agree, you will not be eligible to earn Qantas Points on the Balance Transfer amount. We are not responsible for any loss you may suffer because of any delay caused by another financial institution or card issuer in processing your Balance Transfer , unless the delay is caused by our fraud, negligence or misconduct. You need to provide us with the correct details of the Nominated Account . Otherwise, we may not be able to process the Balance Transfer , or it may be paid to the wrong account. Your obligation to make payments to the Nominated Account in accordance with its terms and conditions continue. You should consider whether to close the Nominated Account after a Balance Transfer is processed. If you decide to close the Nominated Account , it’s your responsibility to do so. 6 � Statements and other communications Statements We will generally send or make a statement available to you each month unless the law does not require us to, such as if you have no outstanding

24 balance on your Account and no transactions have been posted to your Account during the Statement Period . You may also request statements, and we will also send one whenever required by any applicable code. You should check all entries on the statement when you receive it. If you think there was an error or possible unauthorised use of your Account you must contact us promptly or you may be liable for the error or any Unauthorised Transactions . If you delay telling us , this may impact on our ability to resolve disputes about a transaction. Communications We may give statements, notices and other information (together “ Communications ”) to you by post, electronic means (including email, SMS, via Online Access ), publishing a notice on the Qantas Money website or any other manner permitted by law. Sometimes we may include a notice as a message on or with your statement. If we make our Communications available to you via Online Access or publishing a notice on the Qantas Money website, we will usually send you an email, SMS or letter (in some cases) to let you know that it’s available. We consider the Communication received when we let you know that the Communication is available. You should check regularly for electronic Communications from us. Keeping your email address, mobile phone number and mailing address up to date is important in order to receive Communications from us. You may contact us at any time to ask for statements and other notices that we are required to give you . You may ask for a paper copy of any information that we have previously provided to you within 7 years of the date of the original Communication .

25 7 � Default, Suspension and Closure Default Your Account will be in default if: – you don’t make the payments required under this credit contract on time; or – you or an Additional Cardholder don’t follow the requirements of this credit contract and it has a material impact on our Legitimate Interests ; or – any information you give to us in applying for or maintaining your Account is false or misleading and it has a material impact on our Legitimate Interests ; or – you become bankrupt or insolvent or have a receiver or bankruptcy trustee appointed over you or any of your assets; or – you transfer your assets to a creditor. Consequences of default We know sometimes circumstances change, and we will try and help you manage this. However, if we can’t agree, we will send you a notice asking you to fix the default, unless we are not required to do so by consumer credit law (for example, if we have made reasonable attempts to find you , but have not been able to). Where we give you notice, we will specify a period for you to fix the default. This period will be at least 31 days from the date of the notice. The notice will specify how you may fix the default. You should read the notice carefully and follow the instructions in the notice. If you are in default and: – you do not fix the default within the period specified in the notice; or – consumer credit law does not require us to wait until that period has expired; or – we do not have to give you notice,

26 we may take some or all of the following actions: – require you to immediately pay all or part of the outstanding balance of your Account (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account ) and destroy any Card(s) ; – take legal action to recover any Overdue Amount . Enforcement expenses reasonably incurred or expended by us to enforce this credit contract may become payable under the contract in the event of breach. An event of breach occurs if you are in default. This includes any expenses reasonably incurred through our staff and facilities. We can charge these amounts to your Account and the Annual Percentage Rate that will apply to calculate interest on them and related interest is that applicable to Retail Purchases . When you can cancel a Card , close your Account and terminate your credit contract You may close your Account or cancel a Card by contacting us. If you wish to close your Account and terminate your credit contract you are required to pay the outstanding balance of your Account after the last transaction you , or any Additional Cardholder , authorised is charged to your Account including all interest charges, fees, charges and expenses and cancel all Recurring Card Instructions with merchants. We will tell you if there is anything else you need to do for us to complete your request. You remain responsible for all amounts withdrawn from your Account . You must notify merchants accordingly to change your Recurring Card Instruction details. We assume no responsibility for return fees and charges.

27 When we can close or suspend your Account , cancel or suspend a Card or access to Online Access or not process a transaction We may close or suspend your Account or cancel or suspend a Card by giving you 30 days’ prior notice if: – you cease to be a Qantas Frequent Flyer member; or – for any other reason, where it is reasonably necessary to protect our Legitimate Interests (for example, if your Account is inactive). We may also close or suspend your Account , cancel or suspend a Card or a Cardholder’s access to Online Access , or not process a transaction (including a merchant credit) at any time without notice: – if you are in default under your credit contract; – to protect you , or us from potentially fraudulent activity or a scam, or other losses; – to prevent an anticipated breach of the law of Australia or another country; – to manage any risk, including legal, regulatory or sanctions risk, or to comply with our Sanctions Program which you can view at on our website; – if we reasonably consider it appropriate to protect a customer or another person from financial abuse (see our unacceptable Account conduct policy in section 16); – if your Account has remained in credit balance for a reasonable period; – if we do not have all the identification information we need, or we have not received a satisfactory response in a timely manner to information we have reasonably requested from you or an Additional Cardholder in connection with the Account and any relevant transactions; – if we reasonably believe that by allowing the Account to remain open it may adversely impact on our reputation;

28 – if we reasonably believe that by allowing the Account , a Card or access to Online Access to remain open or available, it may cause you or us loss, or to breach any law or code of conduct or any terms of this credit contract; or – if a Card , Security Code , Identifier or a process intended to prevent Unauthorised Transactions has been compromised and where we believe taking such action is reasonably required to manage any risk. It may not be possible for us to detect and prevent all fraudulent or scam transactions or transactions that may result in a breach of the laws of Australia or another country. We will let you know as soon as practicable after we take action under this section if it is reasonable to do so. We will not be responsible for any loss or damage that you may suffer, unless we have acted with fraud, negligence or misconduct. Consequences of closing or suspending an Account , cancelling or suspending a Card or access to Online Access If you request closure of your Account or if we close or suspend your Account , or cancel or suspend a Card , then we will take reasonable steps to promptly stop future transactions on the Account or through the cancelled or suspended Card (including cancelling all Cards in the case of Account closure), however please note we are unable to reject some transactions, such as Recurring Card Instructions . Any transactions made before an Account is closed or suspended or made using a Card before it is cancelled or suspended will still be charged to your Account even if it’s processed and added to your Account after. If we cancel or suspend a Cardholder’s access to Online Access , the Cardholder won’t be able to log in. We may suspend your Account , a Card or a Cardholder’s access to Online Access or not process a transaction for as long as reasonably required to protect our Legitimate Interests or to manage any risk.

29 If your Account : – has a credit balance and your Account has been closed (either by us or you ), we will return the Account balance to you (unless we reasonably believe we are unable to because of our regulatory or other legal obligations, for example to comply with a court order) or where the relevant statutory requirements have been met, we may transfer the balance to the Commonwealth Government as unclaimed money; or – has a debit balance and has been closed or suspended, unless we tell you otherwise, you must continue to pay us amounts due until you pay the full outstanding balance, including any further transactions that you are liable for. Interest, fees, charges and expenses will accrue until that time. Closure, cancellation or suspension of your Account or any Card does not affect any obligations that arose before or after the closure, cancellation or suspension. Your credit contract will continue after your Account is closed either by you or us until you pay us the outstanding balance (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account ) in full. 8 � Interest Charges This section describes when and how we calculate and charge interest on your Account except for how we calculate and charge interest on Instalment Plans . See section 5 for details about interest on Instalment Plans . You will see references to a Statement Period throughout – which refers to the set period of time we use to record activity on your Account ending on the same day each month even if it is a non- Business Day .

30 How interest works with different transaction types When an amount is charged to your Account , it’s the same as us lending you that amount. And like a loan, we will charge your Account with interest, unless the amount is a part of the Retail Purchase Balance , and an interest free period applies. How you incur interest on each transaction depends on the type of transaction. The interest rate or Annual Percentage Rate for Cash Advances , for example, is typically higher than the Annual Percentage Rate for Retail Purchases . While you incur interest differently depending on the type of transaction, we will charge that interest to your Account (by adding it to your outstanding balance) on the last day of each Statement Period . Types of transaction When interest is incurred When interest is charged Retail Purchase Never If you are in an interest free period (if your Account is eligible) Daily If you are not in an interest free period At the end of the Statement Period Cash Advance Daily At the end of the Statement Period Balance Transfer Daily Except that, if the promotional interest rate for your Balance Transfer is 0% p.a., you will incur no interest for any day during the Balance Transfer Term. At the end of the Statement Period

31 How interest is calculated Interest is incurred daily on any outstanding balances for each transaction type (at the end of each day), in the way described below. Daily interest rate ( Annual Percentage Rate / 365) x outstanding balance (for each transaction type) = Daily Incurred Interest (for each transaction type). Calculating the daily interest rate To calculate the daily interest rate for each transaction type, we take the applicable Annual Percentage Rate and divide it by 365. The applicable Annual Percentage Rate depends on the type of transaction, whether an interest free period applies, and any special promotional rates that may be available to you . You can find information about the current Annual Percentage Rates for particular transaction types at https://www � qantasmoney � com/credit-cards/ or on request by contacting us in one of the ways set out at the end of this booklet. Your Financial Table will also set out the Annual Percentage Rates that apply as at the date specified in your Financial Table . Working out the amount of interest incurred each day The amount of interest you incur daily is worked out by multiplying the applicable daily interest rate by any outstanding balance you have for each transaction type at the end of the day. Interest is incurred on the amount of a transaction from the Transaction Date , until the date it is paid off in full. You don’t incur interest for a transaction on the day it is paid off in full. How interest is added up The following table shows an example of how interest is incurred on Retail Purchases from the start of a Statement Period that doesn’t have an interest free period (more on this later in this section). Retail Purchases are made on day 1, day 3 and day 30. In this example, the Statement Period is 30 days and the daily interest rate on Retail

32 Purchases is: 20.99% per annum / 365 = 0.0575%. The interest rate used is an example rate only and may not be reflective of the interest rate on your Account . Retail Pur- chases Outstand- ing balance Daily interest rate Daily interest incurred State- ment opening balance $20 Day 1 $180 $200 0.0575% $0.12 Day 2 $0 $200 0.0575% $0.12 Day 3 $100 $300 0.0575% $0.17 Day 4-29 $0 $300 0.0575% $0.17 every day Day 30 $70 $370 0.0575% $0.21 Total interest charged Equal to the sum of all daily interest from Day 1 to 30 (rounded to the nearest cent) $5.04 When interest is charged to your Account We charge interest incurred during a Statement Period to your Account at the end of the Statement Period . This includes interest for the last day of the Statement Period . When we charge interest, we round it to the nearest cent. How interest free periods work Your Account is eligible to have an interest free period on the Retail Purchase Balance if the requirements described below are met. Interest free periods only apply to the Retail Purchase Balance . If you are eligible for an interest free period, you won’t incur interest on any transactions that form part of the Retail Purchase Balance for any day in an interest free period.

33 You start an interest free period on the day you accept the offer of an Account . In order to continue this and any other interest free period, you must pay the Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or an Instalment Plan ) shown on your statement in full by the Payment Due Date shown on your statement. Your Payment Due Date is 14 days after the end of your Statement Period . If you pay less than your Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or Instalment Plan ) shown on your statement by the Payment Due Date , your interest free period will end. You will incur interest on transactions that form part of the Retail Purchase Balance from the day after the Payment Due Date . How to start a new interest free period If you are not in an interest free period, there are two ways you can start a new one: – Begin your Statement Period with either a zero balance or a credit balance on your Account . – Pay the Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or Instalment Plan ) shown on your statement in full by the Payment Due Date shown on your statement. If you use this method, the interest free period will begin on the day you make this payment. However, you will see interest charged on outstanding amounts that form part of the Retail Purchase Balance on your next statement for the time before you made the payment. How interest, fees and charges added to your Account incur interest When we add interest, fees or charges to your Account , your outstanding balance will increase and the interest, fee or charge will be treated as a transaction on your Account . For this purpose, where the interest, fee or charge relates to a Balance Transfer or a Cash Advance , it will be treated as the same kind of transaction. Where the interest, fee or charge relates to an

34 Instalment Plan , see section 5 to see how it will be treated. Any other interest, fee or charge is treated as a Retail Purchase transaction. For example, a fee for withdrawing money from an ATM is treated like a Cash Advance , and interest on amounts used to buy a pair of shoes is treated like a Retail Purchase . This means that, from the date the interest, fees or charges are added to your Account , you will incur and be charged interest on these amounts in the same way as for the relevant transaction type unless an interest free period applies. 9 � Fees and other charges you must pay Subject to any law that limits our right to do so, we will charge your Account with: – fees and charges applicable to your Account ; – government taxes, duties or charges that relate to your Account or its operation; – any amount (or the Australian dollar equivalent) that any other person charges in connection with your use of the Account , such as ATM access fees; and – any expenses we reasonably incur enforcing these conditions against you . Information on current fees and charges is available at https://www � qantasmoney � com/credit-cards/ or on request by contacting us in one of the ways set out at the end of this booklet. 10 � Solving problems Refunds and payment reversals On occasion, you may receive a refund (such as a credit) into your Account from us or a merchant. For example, this could be for goods or services you have purchased and then returned, or where you have successfully disputed a transaction. There may also be situations where we need to refund a fee or charge or interest to you , for example where an error or adjustment has been made.

35 How we apply a refund is different to how we apply payments. When you get a refund, we will apply it to your Account to reduce your outstanding balance. A refund is not treated as a payment by you . This means you must still pay us the Total Minimum Payment Due shown in your most recent statement by the due date(s), regardless of the value of any refund on your Account . The only exception to this is where the refund brings the outstanding balance on the day a payment is due to an amount that is lower than the payment that is due on that day. If this occurs, you must pay us the outstanding balance on the relevant due date. If you pay more than the outstanding balance on the relevant due date, your Account will have a credit balance. If your refund is equal to, or more than, your outstanding balance, we will apply it to your Account in full, so that you will have a zero or credit balance. If you have a credit balance, it will be applied to any amount subsequently charged to your Account . We won’t pay you interest on any credit balance. If your refund is less than your outstanding balance, the refund will be applied to the unpaid balance of the original transaction type (for example, if it is a Retail Purchase , the refund will be applied to the unpaid Retail Purchase Balance ). If there is any refund amount remaining, it will be applied based on the order of dates on which the balance for a transaction type was set up, with it being applied to the earliest first. However, if you have an Instalment Plan , it will be applied to the Main Instalment Plan Balance last. If a payment is reversed (for example, where you make a payment by direct debit and we don’t receive value for the direct debit), we will reverse your payment amount. In that case, the amount of the reversal will be treated as the same transaction types to which the payment was originally applied, except if a payment to an Instalment Plan is reversed, in which case the amount of the reversal will be treated as a Retail Purchase .

36 Error/dispute resolution A complaint can be lodged using the customer service centre or by contacting us in one of the ways set out in Part C of this booklet under the sub-section titled “What you should do if you have a complaint?”. We will investigate the complaint and try to resolve it quickly and fairly. If you are not satisfied with the result of the complaint, you can escalate the complaint to our Customer Resolutions team or you can raise the complaint with the Australian Financial Complaints Authority (AFCA) at: GPO Box 3, Melbourne VIC 3001 Telephone: 1800 931 678 (free call) Email: info@afca � org � au Website: www � afca � org � au See Part C of this booklet for more information about our complaints process and how to lodge a complaint. Transaction disputes and Chargebacks If you have a transaction dispute (for example, if you have a problem with goods or services, if you believe you were charged the incorrect amount for a transaction or you were charged for an item you didn’t receive) and the relevant transaction was processed through a Network you may have rights under the applicable Network rules to Chargeback the transaction. We will pursue the Chargeback on your behalf if a right to do so exists. The result will be governed by the Network’s Chargeback rules. It’s important that you tell us about the dispute as soon as possible, as there are time limits on our ability to process a Chargeback on your behalf. Please note that if you or an Additional Cardholder uses your Account to make a BPAY payment, you cannot claim a Chargeback . BPAY only allows refunds of mistaken, unauthorised or fraudulent payments.

37 Except as otherwise set out by law, for example the National Consumer Credit Code or the Australian Consumer Law, we are not otherwise responsible for any disputes between you and a merchant. 11 � Changes We may change the terms and conditions applicable to your Account , including changing any condition, APR and fees and charges. We may tell you about a change by writing to you at your last known address (including electronically), by message on or with your statement, by advertisement in a newspaper, through our website or in other ways allowed by applicable laws or industry codes. We may notify you of changes to Annual Percentage Rates or the amount of a fee or charge by publishing a notice electronically (e.g. on our website or through Online Access ), without letting you know by SMS or email. We will follow any regulatory rules in place when we do this. Generally, the following notice periods apply: As soon as reasonably possible which may be after the change is made Reducing your obligations (e.g. fees) or extending the time for payment Reducing your Credit Limit or Total Cash Limit At least same day notice Increasing an APR No notice if the government publishes the change Changes to government fees or charges on receipts or withdrawals At least 30 days Any other change we make other than those changes that we expressly agree with you We will comply with any notice requirements in any applicable laws and codes (such as the Banking Code of Practice and ePayments Code).

38 12 � Security and liability for losses for unauthorised electronic transactions Reliance on your instructions We are entitled to presume (unless contrary to the ePayments Code or these conditions), that the Cardholder has given any instructions identified by the Cardholder’s Identifier (including Card number) and Security Code , and that they are valid and binding on you . You must take care of PINs and other Security Codes Security Codes allow access to your Account and in some cases Cardholders may be able to select or change them within limits we set. The security of Card(s) and Security Code(s) is very important. If Cardholders fail to observe these security requirements you may incur liability for any Unauthorised Transaction . Cardholders MUST: – sign the strip on the reverse side of the Card immediately upon receiving it; – keep their Security Code(s) secret; – not let anyone else use their Card and/or Security Code or Identifier and Security Code ; – use care to prevent anyone else seeing their Security Code (including when using an ATM or EFTPOS terminal) or overhearing their Security Code ; – take reasonable steps to protect a Card or Security Code from loss or theft; and – immediately destroy any expired or cancelled physical Card by cutting it diagonally in half. Cardholders MUST NOT choose a Security Code which is clearly identifiable with you (e.g. birth date or phone number or an alphabetical Security Code that is a recognisable part of their name) or which has an easily retrievable combination (e.g. 1234, BBBB).

39 Cardholder responsibilities when adding a Card to a payment device If a Cardholder adds their Card to a payment device (like a mobile phone, wearable or tablet), it’s also important to make sure no one else can access the payment device because they might be able to use a Card and transact on your Account . You need to notify us of security breaches (including Unauthorised Transactions ) You should immediately notify us (and you must provide all required information) where any of the following security breaches has or is suspected to have occurred: – a Card or Security Code is, lost, stolen or disclosed to someone else; or – your Card , Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. We will then cancel the relevant Card and/or Security Code (where possible) and may cancel the Identifier . After cancellation, they must not be used again even if they are subsequently retrieved. When are you liable for electronic Unauthorised Transactions ? We apply the ePayments Code to determine when you are liable for losses from an Unauthorised Transaction that is authorised without a physical signature. Some examples of where you are liable, not liable, and partially liable are set out below (the ePayments Code sets out more details). YOU ARE NOT LIABLE for losses from an Unauthorised Transaction : – using Cards , Identifiers or Security Codes that are forged, faulty, expired or cancelled or a Card or Security Code before the Cardholder received it; – occurring after the underlying security breach was notified to us ;

40 – that are caused by the same transaction being incorrectly debited more than once to your Account ; – where it is clear no Cardholder contributed to it (e.g. if it was caused by misconduct by us or others involved in the relevant networking arrangements); or – that exceeds the Credit Limit or any applicable transaction limit. This section does not apply to any transaction carried out by you or an Additional Cardholder or by anyone performing a transaction with your or an Additional Cardholder’s knowledge and/or consent and/or authorisation (as applicable). YOU ARE LIABLE for losses occurring up to notification of the security breach if a Cardholder has contributed to a loss by: – compromising secrecy of a Security Code (e.g. by voluntarily disclosing it, or indicating it on the Card or on anything carried or kept with the Card or an Identifier ) unless the Cardholder makes a reasonable attempt to protect the security of the Security Code ; or – unreasonably delaying notification of a security breach. YOU ARE PARTIALLY LIABLE where a Security Code is required to perform the Unauthorised Transaction and it is unclear whether a Cardholder has contributed to a loss. In this case for the period commencing from the time the Card , Identifier or Security Code was misused, lost or stolen, until the time a Cardholder notifies us , you could be liable for the lesser of AU$150, the actual amount lost, or the available funds in the Account at the time of the Unauthorised Transaction .

41 13 � Things we aren’t responsible for We usually aren’t liable in these circumstances Unless these conditions or the law says otherwise, we will not be responsible to you for any loss incurred by you in any of the following situations: – any problems with goods or services provided (or not provided) by a retailer/merchant. However we may be able to access a Chargeback in the event of issues (see section 10); – where we cancel, suspend or close the Account , a Card or access to Online Access (see section 7), or otherwise decide not to provide further credit, or refuse to authorise or make a payment or payments (or any other transaction) in accordance with these conditions; – where our Online Access or customer service centre is not available from overseas or at a particular time. These services are intended to be reasonably available, but may not be available 24/7, including where there are outages (e.g. power or systems) and where we require this (e.g. because of security or maintenance, or where we are not allowed to process a transaction); – you have not provided us with complete and correct payment information; or – circumstances beyond our reasonable control prevent or result in errors or delays to a funds transfer or payment. Some circumstances where we are liable Regardless of the above, we have minimum requirements imposed on us by the ePayments Code and laws like the Competition and Consumer Act 2010 (Cth). For example, these may imply warranties into a contract to protect you , such as a promise that the services are fit for their intended purposes. These laws may allow us to exclude liability if you acquire services as part of a business. To the extent permitted by law, we exclude liability under implied statutory conditions and warranties, or limit our liability under such warranties and

42 conditions to supplying the services again or paying the cost of that resupply. In addition, we are liable for your loss if any electronic terminal (such as ATM and EFTPOS terminal) or the relevant electronic Network does not complete a transaction that it accepts in accordance with your instructions. Our liability is limited to the correction of errors and refunding charges or fees imposed if the Cardholder should have been reasonably aware that that the relevant electronic terminal or Network was unavailable or malfunctioning. If the customer service centre should ever be temporarily unavailable, we will reimburse any loss arising between the time you or an Additional Cardholder (as applicable) attempted notification of a Notifiable Event and the actual time of notification, provided you or an Additional Cardholder subsequently gave such notice at the first reasonable opportunity. 13A � Mistaken Internet Payments This section applies to Mistaken Internet Payments using the Pay Anyone functionality. It sets out important rules where the Sending ADI and the Receiving ADI have subscribed to the ePayments Code and: – a Cardholder reports a Mistaken Internet Payment to us as the Sending ADI ; or – we , as the Receiving ADI , are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer. This section does not apply to BPAY payments. In this section: – Mistaken Internet Payment means a payment made by a Cardholder through Pay Anyone where funds are paid into the account of an unintended recipient because the Cardholder entered or selected the wrong BSB number and/or account number or the wrong PayID (where available) or a PayID which belonged to the wrong person as the result of the Cardholder’s error or the Cardholder

43 being advised of the wrong details. Currently, Pay Anyone functionality is generally only available in Online Access as part of a cash Instalment Plan or Balance Transfer offer that we may make available to you ; – ADI means Authorised Deposit-taking Institution and has the same meaning as the term in the Banking Act 1959 (Cth); – the Receiving ADI is the ADI whose customer received an internet payment; – the Sending ADI is the ADI whose customer has made an internet payment. Cardholder’s obligation A Cardholder : (a) must take care to enter or select the correct information about the intended recipient of the funds, required when using Pay Anyone to make a payment. It is not always possible for us to recover funds from the unintended recipient; (b) should report a Mistaken Internet Payment to us as soon as possible by using one of the contact methods in the “Contact us ” section at the end of this booklet. We will acknowledge receipt of the report and the Cardholder should record or retain this acknowledgement. Our obligations as a Sending ADI when we receive the Cardholder’s report (a) Obligation to investigate We will investigate a Cardholder’s report of a Mistaken Internet Payment . (b) Obligation to tell the Cardholder about the outcome We will tell the Cardholder about the outcome of a Cardholder’s report of a Mistaken Internet Payment : i. in writing, and ii. within 30 Business Days of the day the report was made.

44 When a Cardholder makes a report, we as the Sending ADI and the Receiving ADI need to be satisfied that a Mistaken Internet Payment has occurred. If we are not satisfied a Mistaken Internet Payment has occurred, we are not required to take any further action. We will tell you in writing within 30 Business Days from the time the Cardholder reported the Mistaken Internet Payment . If we are satisfied that a Mistaken Internet Payment has occurred, we will send the Receiving ADI a request for return of the funds as soon as reasonably possible and by no later than 5 Business Days from the time the Cardholder reported the Mistaken Internet Payment to us. We are reliant on the Receiving ADI following its obligation to acknowledge our request and advise us within 5 Business Days if there are sufficient funds in their customer’s account to cover the amount of the Mistaken Internet Payment . If the Receiving ADI receives a request from us to return funds to us , but is not satisfied that a Mistaken Internet Payment has occurred, the Receiving ADI may seek their customer’s consent to return the funds to you . If consent is provided to the Receiving ADI , we will return these funds to you as soon as practicable. Process where both the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are insufficient funds This process applies where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred. If we are advised there are insufficient funds in the customer’s account, we are reliant on the Receiving ADI using its discretion (which is guided by a number of factors in the ePayments Code) in deciding whether to pursue all or part of the funds from their customer. If the Receiving ADI decides to pursue the return of all the funds, it has an obligation to use reasonable endeavours to retrieve

45 the funds from their customer (e.g. facility payment by instalments). If the Receiving ADI is unable to recover the funds from the unintended recipient, you will be liable for losses arising from the Mistaken Internet Payment . Where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are sufficient funds This table describes our obligations as a Sending ADI and the obligations of the Receiving ADI if satisfied that a Mistaken Internet Payment has occurred and there are sufficient credit funds available in the account of the unintended recipient to cover the payment. A different process applies depending on when the Cardholder reported the Mistaken Internet Payment to us. User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you Within 10 Business Days of making the payment Funds must be returned to us within 5 Business Days (if practicable) of receiving our request to return the funds or such longer period as is necessary up to a maximum of 10 Business Days . To return the funds to you as soon as practicable.

46 User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you Between 10 Business Days and 7 months of making the payment Complete investigation within 10 Business Days of receiving our request to return the funds. If satisfied a Mistaken Internet Payment has occurred: i. prevent their customer withdrawing the Mistaken Internet Payment funds for a further 10 Business Days ; ii. notify their customer they have a period of 10 Business Days to establish they are entitled to the funds. This period commences on the date their customer was prevented from withdrawing the funds; and To return the funds to you as soon as practicable.

47 User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you iii. return funds to us within 2 Business Days of the end of the 10 day period described in ii. if their customer has not established they are entitled to the funds. After 7 months Seek the consent of their customer to return funds. With the consent of their customer return the funds to us. To return the funds to you as soon as practicable. Complaints For information about making a complaint about the outcome of a Mistaken Internet Payment report or how we have dealt with it, please see Part C. Our obligations if we are notified about a Mistaken Internet Payment by another ADI If we are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer, we will act in accordance with the obligations of the Receiving ADI described in the ePayments Code and this section 13A including the obligations to return funds in your Account to the Sending ADI where applicable.

48 14 � Conditions for specific Payment Facilities Recurring Card Instructions When a Cardholder gives a merchant a Recurring Card Instruction to debit amounts to a Card , you authorise us to pay any such amounts and charge them to your Account . If a Cardholder has set up Recurring Card Instructions : – the Cardholder needs to contact the merchant to cancel or change them – we usually cannot do this; – if a Card is re-issued with a new Card number or expiry date, the Cardholder must contact the merchant to cancel or change the details of each Recurring Card Instruction . We may choose to cancel the Recurring Card Instruction or (unless the Cardholder tells us not to) provide the Cardholder’s replacement Card details to update it. Our capacity to provide the replacement Card details depends on the functionality of our and the merchant’s systems to do this. If the merchant participates in an account updater service, they may be given updated Card details when a Card is re-issued. You should check with the merchant to confirm if they participate. You may request to opt-out of the automatic update of Card details by contacting us. You should tell us if unauthorised Recurring Card Instructions are charged to the Account . Scheduled BPAY payments We use reasonable endeavours to debit your Account on the days nominated by a Cardholder for scheduled BPAY payments, even if the day nominated is not a Business Day , but may not always do so. A scheduled BPAY payment is usually received within one Business Day of the payment date. If the day on which your Account is debited is not a Business Day , or if we or another payment system participant cannot process a payment on

49 that day, the payment will usually be received within 2 Business Days . If a Card is re-issued with a new Card number or expiry date, or reported lost or stolen, any scheduled BPAY payments will still be charged to the Account on the day(s) nominated by the Cardholder . If your Account is closed or suspended, or if BPAY payments are suspended, then any scheduled BPAY payments that have been scheduled to occur will not be processed by us. Online Access and the customer service centre To use the customer service centre and Online Access you and Additional Cardholders will: – be given or can select Security Codes to enable the use of the customer service centre or Online Access . – enter the Identifier / Card number and any other codes we (or Qantas) require. 15 � BPAY® Application We are a member of the BPAY Scheme which is an electronic payments scheme through which you and an Additional Cardholder can ask us (using Online Access ) to make payment on your behalf to Billers who accept BPAY payments. We will notify you if we cease to be a member of the BPAY Scheme. How to use the BPAY scheme You and any Additional Cardholder must comply with these conditions to the extent that these conditions are not inconsistent with or expressly overridden by the BPAY terms. The BPAY terms set out below are in addition to those terms. If there is any inconsistency between these conditions and the BPAY terms in this section 15, the BPAY terms will apply to the extent of that inconsistency.

50 When a Card is used to pay a bill through the BPAY Scheme, we treat that payment as a Retail Purchase . The receipt by a Biller of a mistaken or erroneous payment does not or will not constitute under any circumstances part or whole satisfaction of any underlying debt owed between the payer and that Biller . Valid payment direction We will treat your or any Additional Cardholder’s instruction to make a BPAY payment as valid if, when the instruction is given to us , you or that Additional Cardholder (as the case may be) correctly use any Identifier and Security Code required to access and make payments using Online Access . Information you must give us The information you or any Additional Cardholder must give us to instruct us to make a BPAY payment is: – the “Biller Code” written on the bill near the BPAY Logo, and the customer reference number; – the Card from which you or the Additional Cardholder wishes to make the payment; – the amount of the payment you or the Additional Cardholder wishes to make; and – the date the payment is to be made, if you or an Additional Cardholder schedule a payment to be made on a future date using Online Access . We are not obliged to effect a BPAY payment if we are not given all of the above information or if any ofthe information given to us is inaccurate. Payments We will not accept an order to stop a BPAY payment once you have instructed us to make that BPAY payment. You or an Additional Cardholder should notify us straight away if you become aware that you may have made a mistake (except when you make

51 an underpayment) when instructing us to make a BPAY payment, or if you did not authorise a BPAY payment that has been made from your Account . Sub-sections titled “Mistaken Payments, Unauthorised Transactions and Fraud”, “Mistaken Payments” and “Unauthorised Payments” describe when and how we will arrange for such a BPAY payment (other than in relation to an underpayment) to be refunded to you . Subject to the sub-section titled “Payment Queries”, Billers who participate in the BPAY Scheme have agreed that a BPAY payment you or an Additional Cardholder make will be treated as received by the Biller to whom it is directed: – on the date you make that BPAY payment, if you or an Additional Cardholder tell us to make the BPAY payment before 6pm (Melbourne time) on a Business Day ; – on the next Business Day , if you or an Additional Cardholder tell us to make a BPAY payment after 6pm (Melbourne time) on a Business Day , or on a non Business Day ; or – if available on the day you or an Additional Cardholder have nominated for a scheduled payment to take place or where this day is not a Business Day on the next Business Day . Delay may occur in processing a BPAY payment where: – there is a public or bank holiday on the day after you or an Additional Cardholder tell us to make a BPAY payment; – you or an Additional Cardholder tell us to make a BPAY payment either on a day which is not a Business Day or after 6pm (Melbourne time) on a Business Day ; – another financial institution participating in the BPAY Scheme does not comply with its obligations under the BPAY Scheme; or – a Biller fails to comply with its obligations under the BPAY Scheme.

52 While it is expected that any delay in processing under this agreement for any reason set out above will not continue for more than one Business Day , any such delay may continue for a longer period. You and any Additional Cardholder must be careful to ensure that you tell us the correct amount you or an Additional Cardholder wish to pay. If you or an Additional Cardholder instruct us to make a BPAY payment and later discover that the amount you or an Additional Cardholder told us to pay was less than the amount needed to pay, another BPAY payment can be made for the difference between the amount actually paid to a Biller and the amount needed to pay. If you or an Additional Cardholder discover that the amount you or an Additional Cardholder instructed us to pay was more than the amount due to the Biller , you must contact the Biller to negotiate any refund. Liability and ePayments Code If you are liable for an unauthorised or fraudulent payment and the ePayments Code applies, then your liability is limited to the lesser of:

the amount of that unauthorised or fraudulent payment; and
the limit (if any) of your liability set out in these conditions. If point 2. applies, we will be liable to you for the difference between the amount for which you are liable and the amount of the unauthorised or fraudulent payment. Mistaken payments, Unauthorised Transactions and fraud We will attempt to make sure that your or an Additional Cardholder’s BPAY payments are processed promptly by the participants in the BPAY Scheme, including those Billers to whom the BPAY payments are to be made. You or any Additional Cardholder must promptly tell us if:

53 – you or an Additional Cardholder become aware of any delays or mistakes in processing your BPAY payments; – if you or an Additional Cardholder did not authorise a BPAY payment that has been made from your Account ; or – if you or an Additional Cardholder think that you have been fraudulently induced to make a BPAY payment. We will attempt to rectify any such matters in relation to your or an Additional Cardholder’s BPAY payments in the way described in this sub-section. However, except as set out in the sub-section titled “Liability and ePayments Code”, section 1A and section 13 and to the extent that a transaction was permitted by you or an Additional Cardholder , we will not be liable for any loss or damage you suffer as a result of using the BPAY Scheme. The longer the delay between when you or an Additional Cardholder tell us of the error and the date of your BPAY payment, the more difficult it may be to perform the error correction. For example, we or the Biller may not have sufficient records or information available to us to investigate the error. If this is the case, you may need to demonstrate that an error has occurred, based on your own records, or liaise directly with the Biller to correct the error. Mistaken payments If a BPAY payment is made to a person or for an amount, which is not in accordance with your or any Additional Cardholder’s instructions (if any), and your Account was debited for the amount of that payment, we will credit that amount to your Account . However, if you or an Additional Cardholder were responsible for a mistake resulting in that payment and we cannot recover the amount of that payment from the person who received it within 20 Business Days of us attempting to do so, you must pay us that amount.

54 Unauthorised payments If a BPAY payment is made in accordance with a payment direction, which appeared to us to be from you or an Additional Cardholder (or on your or their behalf) but for which you did not give authority, we will credit your Account with the amount of that unauthorised payment where we agree that you or that Additional Cardholder did not give your or their authority. However, you must pay us the amount of that unauthorised payment if: – we cannot recover, within 20 Business Days of us attempting to do so, that amount from the person who received it; and – the payment was made as a result of a payment direction, which did not comply with our prescribed security procedures for such payment directions as set out in these terms and conditions or as advised by us. If we are able to recover part of the amount of that payment from the person who received it, you must only pay us the amount of payment that was not able to be recovered. Fraudulent payments If a BPAY payment is induced by the fraud of a person involved in the BPAY Scheme, then that person should refund you the amount of the fraud- induced payment. However, if that person does not refund you the amount of the fraud induced payment, you must bear the loss unless some other person involved in the BPAY Scheme knew of the fraud or would have detected it with reasonable diligence, in which case that person must refund you the amount of the fraud-induced payment that is not refunded to you by the person that induced the fraud. Resolution principles If a BPAY payment you or any Additional Cardholder have made falls within the type described in the sub-section titled “Unauthorised Payments” and also the sub-section titled “Mistaken Payments” or the sub-section titled “Fraudulent Payments”,

55 then we will apply the principles stated in the sub-section titled “Unauthorised Payments”. If a BPAY payment you or any Additional Cardholder have made falls within both the types described in sub-sections titled “Mistaken Payments” and “Fraudulent Payments”, then we will apply the principles stated in the sub-section titled “Fraudulent Payments”. No “ Chargebacks ” Except where a BPAY payment is a mistaken payment referred to in the sub-section titled “Mistaken Payments”, an unauthorised payment referred to in the sub-section titled “Unauthorised Payments”, or a fraudulent payment referred to in the sub-section titled “Fraudulent Payments”, BPAY payments are irrevocable. No refunds will be provided through the BPAY Scheme where you have a dispute with the Biller about any goods or services you may have agreed to acquire from the Biller . Any dispute must be resolved with the Biller . Important Even where your or an Additional Cardholder’s BPAY payment has been made using a credit card account or a charge card account, no “ Chargeback ” rights will be available under BPAY Scheme rules. Biller consent If you or an Additional Cardholder tell us that a BPAY payment made from your Account is unauthorised, you must first give us your written consent addressed to the Biller who received that BPAY payment, consenting to us obtaining from the Biller information about your account with that Biller or the BPAY payment, including your customer reference number and such information as we reasonably require to investigate the BPAY payment. If you do not give us that consent, the Biller may not be permitted under law to disclose to us the information we need to investigate or rectify that BPAY payment.

56 Payment queries If, in relation to a transaction, we fail to observe the appropriate procedures for complaint investigation and resolution, allocation of liability and communication of the reasons for our decision, and such failure prejudices the outcome of our investigation of the complaint or delayed its resolution, we may be liable for part or all of the amount of the transaction which is the subject of the complaint. Cut off times Generally, any withdrawal or deposit will be processed on the day instructions are received, provided your or an Additional Cardholder’s instructions are complete and received by us before 6pm (Melbourne time) on any Business Day . Any transaction outside these times may be processed on the following Business Day . A payment may take longer to be credited to a Biller if you tell us to make a payment on a Saturday, Sunday or a public holiday or if another participant in the BPAY Scheme does not process a payment as soon as they receive its details. When a Biller cannot process a payment If we are advised that your payment cannot be processed by a Biller , we will: – advise you or an Additional Cardholder of this; – credit your Account with the amount of the BPAY payment; and – take all reasonable steps to assist you or an Additional Cardholder in making the BPAY payment as quickly as possible. Account records You should check your Account records carefully and promptly report to us as soon as you become aware of any BPAY payments that you think are errors or are BPAY payments that you or an Additional Cardholder did not authorise or you think were made by someone else without your or an Additional Cardholder’s permission.

57 Privacy If you register to use the BPAY Scheme, you and any Additional Cardholder agree to our disclosing to Billers nominated by you or an Additional Cardholder , and if necessary the entity operating the BPAY Scheme (BPAY Pty Ltd) or any other participant in the BPAY Scheme and any agent appointed by any of them from time to time, including Cardlink Services Limited, that provides the electronic systems needed to implement the BPAY Scheme: – such personal information (for example name, email address and the fact that you and any Additional Cardholder are our Customer) as is necessary to facilitate registration for or use of the BPAY Scheme; and – such transactional information as is necessary to process a BPAY payment made on your Account . BPAY payment information will be disclosed by BPAY Pty Ltd, through its agent, to the Biller ’s financial institution. You and Additional Cardholders must notify us , of any personal information changes and you and Additional Cardholders consent to us disclosing any updated personal information to all other participants in the BPAY Scheme referred to in this sub-section, as necessary. You and Additional Cardholders can request access to information held by: – us , by contacting us in one of the ways set out in Part B: Privacy; – BPAY Pty Ltd ABN 69 079 137 518 (BPAY) by phone: (02) 8252 0500, email: info@bpay � com � au or in writing to Level 4, 3 Rider Blvd, Rhodes NSW 2138; or – BPAY’s agent, Cardlink Services Limited ABN 60 003 311 644 by phone: (02) 9646 9222 or in writing to Level 4, 3 Rider Blvd, Rhodes NSW 2138. If personal information about you or an Additional Cardholder as detailed above is not disclosed to BPAY Pty Ltd or its agent, it will not be possible to process a requested BPAY payment.

58 16 � General matters Processing transactions and your Account balance A transaction becomes part of the daily unpaid balance of your Account from its Transaction Date . Transactions may be processed on the day they are made or on a later Business Day . We may assign as their Transaction Date either the day on which they are made, or the day of processing. Interest charges, fees, charges and expenses charged to your Account become part of your daily unpaid balance, on the day they are charged to your Account . We may adjust the balance of your Account to rectify any processing error or because a payment to the Account has been dishonoured. We may also adjust the balance of your Account so as to accurately reflect when a transaction was made and the legal obligations between you and us. Credit balance If your Account has a credit balance (for example because you overpay an amount which is due to us or a refund is processed to your Account ), we will not pay interest on that credit balance. We may pay the credit balance to you by sending you a cheque in the post, paying it into another Account you hold with us or in some other way (unless it is unclaimed money) but will take reasonable steps to provide notice to you if we do so. Codes of conduct Where the ePayments Code and/or Banking Code of Practice apply, relevant provisions of those code(s) will apply to your Account and we will comply with them. We will provide you with a copy of the Banking Code of Practice on request or you can access a copy from the Australian Banking Association’s website https://www � ausbanking � org � au/ .

59 Assignment Subject to applicable laws, we may sell, transfer or assign any of our rights or obligations relating to your Account to anyone without your consent. We will notify you of any sale, transfer, assignment or related arrangements if they have the effect of replacing us as the provider of credit to you , replacing us as the entity responsible for decisions about your Account , cause detriment whether financial or otherwise to you , or limit or reduce your rights under these conditions. Neither you nor any Additional Cardholder may sell, transfer or assign your or their rights and obligations relating to your Account without our consent. Governing law and jurisdiction These conditions are to be interpreted in accordance with Australian laws. You agree to use only Australian courts, tribunals or other dispute resolution bodies if there is a dispute relating to these conditions. Severability If any of these conditions are, for any reason, invalid, illegal or unenforceable, it is to be read down to the extent of the issue, and the remaining provisions will remain valid and enforceable. Commission We may pay commission to a third party in relation to your Account . If it is ascertainable, we state the commission amount payable in your Financial Table . Additionally, Qantas may pay commission to the providers of the third-party credit card comparison sites or email list providers’ digital advertising platform where the credit application was received through their site or platform for the introduction of your credit contract. Waiver and exercise of rights A single or partial exercise of a right by us does not preclude another exercise or attempted exercise of

60 that right or the exercise of another right. Failure by us to exercise or delay in exercising a right does not prevent its exercise or operate as a waiver. Unacceptable Account Conduct We seek to protect our customers from harm arising from unlawful use of, or financial abuse conducted through, our products. We recognise financial abuse may happen to anyone and can include forms of family and domestic violence or elder abuse. We will investigate instances where we identify or are made aware that an Account is being used in a financially abusive manner, including coercive or controlling behaviour to limit a person’s access to or use of funds. We may reasonably exercise our rights in these terms and conditions to close, cancel or suspend use of a Card , access to Online Access or your Account , or not agree to a Credit Limit increase if we reasonably consider it appropriate to protect a customer or another person from financial abuse. You can find more information about family and domestic violence and how to get support if you need it at https://support � qantasmoney � com/ customersupport/family-and-domestic-violence . 17 � Dictionary Interpretation Unless the context requires another meaning, a reference to a document (including these conditions) is a reference to that document as changed or replaced. Where a word or phrase is defined, its other grammatical forms have a corresponding meaning. Headings are for convenience only and do not affect interpretation. Definitions Some definitions in relation to Instalment Plans are set out in section 5, and for Mistaken Internet Payments are set out in section 13A, and not here.

61 Account means your unsecured credit facility with us . Additional Cardholder means another person who you have authorised to have a Card on your Account . Annual Percentage Rate (APR) means the Annual Percentage Rate or rates per annum used to calculate interest charges for your Account . Those rates appear on your statement and the initial rates were set out in the Financial Table . Available Credit means the difference between the Credit Limit and the sum of the outstanding balance and any transactions and other amounts not yet charged to your Account . Balance Transfer means an outstanding balance moved from a credit card or other credit account with another lender to your Account . Balance Transfer Fee means the fee (if applicable) that applies to a Balance Transfer . Balance Transfer Term means the period to which a promotional rate applies to a Balance Transfer offer. Banking Code of Practice means the “ Banking Code of Practice ” , or any superseding publication published by the Australian Banking Association Inc. Biller means a merchant who accepts BPAY payments. Business Day means a day unless that day is: (a) a Saturday or Sunday; or (b) a day gazetted as a public holiday throughout all of Australia. This will not include a day that is only a State, Territory or regional public holiday. Card means any credit card issued by us for use on your Account , including a physical or digital card. Card Balance means the Closing Balance less any Main Instalment Plan Balance (s), Instalment Fee , Initial Interest Charge and Monthly Instalment for that Statement Period , and Overdue Instalment Amounts . Cardholder means you and any Additional Cardholder .

62 Cash Advance means: (a) a transaction where cash or its equivalent is obtained. It includes the purchase of traveller’s cheques, money order and wire transfers, as well as any gambling transaction or transaction to invest in shares or other financial product or related to crypto currency (if these are unable to be blocked by us ); (b) any other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Cash Advances or is treated as a Cash Advance. Chargeback means a transaction that is returned to a merchant to seek a refund after dispute by a Cardholder and, where relevant, the procedures for achieving this. Closing Balance means the total amount outstanding on your Account at the end of the Statement Period . Credit Limit means the maximum amount of credit we tell you in writing you can have on your Account . Financial Table means the Financial Table in the document that forms part of your credit contract. The terms in it can be varied from time to time in accordance with these conditions. Identifier means information including an Account number, Card number and Card expiry date, which is known to you or an Additional Cardholder and which need not be kept secret. Initial Interest Charge means the interest charged on the Instalment Plan in the Statement Period when the Instalment Plan is set up, as described in section 5. Instalment Fee means the fee that may apply for setting up an Instalment Plan . Instalment Plan means a plan under which a particular balance is scheduled to be paid off in a specified number of instalments. See section 5. Interest Free Days Payment means the amount that you need to pay to keep or start a new interest free

63 days period for the Retail Purchase Balance if you have an Instalment Plan or Balance Transfer . Legitimate Interests means: (a) our legitimate funding, business, risk management, prudential or security requirements; or (b) any other requirements that are reasonably necessary to protect us against a material risk that a monetary default will occur. Main Instalment Plan Balance has the meaning given in section 5 of Part A. Minimum Payment Due means the payment described as that in your statement. The Financial Table explains how it is calculated. Monthly Instalment means the monthly repayment instalment under an Instalment Plan . NAB/our/us/we/The Qantas Money Credit Card Team means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) as the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901 ( Qantas ). If the context requires these words to refer to Qantas, they will refer to Qantas undertaking relevant actions or making relevant decisions for or on behalf of NAB. Network means the organisations, institutions and schemes through which transactions may be performed on your Account . Notifiable Event means where a Card or Security Code is, lost, stolen or disclosed to someone else, or where a Card , Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. Online Access means the secure online services that you use to electronically access your Accounts via the Qantas Money Credit Cards App or via https://www � qantasmoney � com/credit-cards . Overdue Amount means any amount that you were obliged to pay in respect of a previous Statement Period , but did not pay by the Payment Due Date .

64 Overdue Instalment Amount has the meaning given in section 5 of Part A. Overlimit Amount means the amount by which your Account balance exceeds your Credit Limit . Overlimit Amounts are due and payable immediately from the date you exceeded the Credit Limit . Payment Due Date means the date specified in your statement as the date by which payment of the Minimum Payment Due must be made. Payment Facility means Cards , Online Access , the customer service centre, Recurring Card Instructions , and BPAY. PIN means the personal identification number we allocated to a Card or selected by a Cardholder . Privacy Act means the Privacy Act 1988 (Cth). Qantas Points means the frequent flyer points earned by Cardholders on eligible transactions (as that is defined in the Qantas Money Rewards Terms and Conditions) and which the rewards program instructs Qantas to credit to the primary Cardholder’s Qantas Frequent Flyer Membership Account, which are subject to the Qantas Frequent Flyer Terms and Conditions. Recurring Card Instruction means an instruction from a Cardholder to a merchant to charge amounts to the Card (using the Card number) on an ongoing basis. See Part A, section 2, Use of Cards and the Account . Retail Purchase means any: (a) purchase of goods or services that is not a Cash Advance ; (b) other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Retail Purchases , is treated as a Retail Purchase transaction type or part of the Retail Purchase Balance , excluding Overdue Instalment Amounts . Retail Purchase Balance means the outstanding balance of all Retail Purchases .

65 Security Code means a Cardholder’s PIN , online password, or any other password or information used to access or transact on the Account and which is known to the Cardholder and is intended to be known only to the Cardholder and which we require the Cardholder to keep secret. Statement Period means the period to which a statement applies. See section 8. Special Promotion means any promotional offer we make available to you , that is not an Instalment Plan or Balance Transfer . Total Cash Limit means the total amount of Cash Advances that can be made on your Account at any time. This is generally the same as your Credit Limit unless we notify you otherwise. See section 2. Total Minimum Payment Due has the meaning set out in the Financial Table . Transaction Date means the date we assign to a transaction on your Account , which could be the day a transaction is made or the day it is processed. See section 16. Unauthorised Transaction means a transaction, made without a Cardholder’s knowledge, consent or authorisation. you/your means the person(s) in whose name the Account is opened.

66 Part B: Privacy In this section Part B: Privacy “ we / us / our ” means (collectively, or separately where the context requires): – National Australia Bank Ltd (“ NAB ”) and its related companies that assist it to provide its services; – Qantas and its related companies that assist it to provide its services. “ You/Your ” means all borrowers on your Account and other individuals named in the application for a Qantas Money Credit Card or to be an Additional Cardholder on a Qantas Money Credit Card. Please also carefully review the respective privacy policies of NAB and Qantas, available on the relevant party’s website and by request (see “ Our policies” section below). Purposes for which we collect, use and disclose your personal information

Personal information is information or an opinion about an identified individual or an individual who is reasonably identifiable. We may collect, use and disclose your personal information (which may include your credit information): – To identify you , conduct checks, understand your requirements, assess this application and future applications made by you and to set up, administer and manage your credit facilities and related services; – to set up, administer and manage your Qantas Money Credit Card and related services; – to conduct reviews of your facility; – to manage promotions and provide benefits associated with your Card and your participation in the rewards program such as ensuring any Qantas Points you earn are properly credited; – to tell you about other products or services that may be of interest to you , or to run

67 competitions and other promotions (this can be via email, telephone, SMS, instant message, mail, or any other electronic means including via social networking forums); unless you unsubscribe or otherwise opt out; – to manage complaints and disputes, and deal with dispute resolution bodies; – to comply with applicable laws, regulations and binding codes both in Australia and overseas including: (a) the National Consumer Credit Protection Act; and (b) the Anti-Money Laundering and Counter- Terrorism Financing Act (AML Act); (c) State and Territory property legislation and other property-related laws (for example, to register and search for security interests) which may authorise or require us to collect your personal information; – to prevent, detect and investigate any actual or suspected fraudulent or criminal activity or other serious misconduct; and – for other purposes as listed in our respective Privacy Policies and Credit Reporting Policies (see “ Our policies”). We will use your information for the purposes we collected it for, as well as for related purposes where you would reasonably expect us to. If you do not provide us with the information we ask for or the information provided is incorrect or incomplete, we may not be able to assess your application or administer the products or services that you are seeking. 2. We usually collect your personal information directly from you . However, we may need to collect personal information about you from third parties for example, where to assist us to process your application or to locate or communicate with you . 3. Where you provide information about another person, it is important in order to protect their privacy, that you let them know you are sharing their information with us , and ensure they are aware of what is in this notice.

68 We do not normally collect sensitive information from you about other people, but you may want to give us this type of information in certain situations (for example, you might tell us about medical or health issues of people in your family when you ask us for financial hardship assistance). It is important that you only give us their sensitive information if the person has agreed to you sharing it with us. Disclosures of your personal information 4. We may disclose your personal information to other related companies and their affiliates, or business partners, for the purposes for which we collect, use and disclose your personal information, and for related purposes where you would reasonably expect us to, and they may disclose or use your personal information for those purposes. We may disclose to, and obtain personal information about you from: – each other (being NAB and Qantas); – each of our affiliates, sales agents and organisations that carry out functions on our behalf including card schemes, mailing houses, printers, data processors, collection agents, researchers, administration or business management services, data warehouses, specialised data matching and trending service providers, payment service providers, consultants, auditors, marketing service providers, and data and document management providers; – reward providers including Qantas or other partners and their service providers; – other credit providers; – any signatory or guarantor, or proposed guarantor, to the facility for which you are applying; – any broker, introducer, financial, legal or other adviser acting in connection with your facility or application; – regulatory and tax authorities in Australia and overseas;

69 – service providers that assist with detection and prevention of fraud and other illegal activity; – credit reporting bodies and other information providers. – any external dispute resolution body; – any insurer relating to a facility of your s; – organisations that have acquired, or are wishing to acquire an interest in any part of our business; – social media and other virtual communities and networks where people create, share or exchange information; – any entity where disclosure to, or collection from, such an entity is required or authorised by law; and – as further set out in our respective Privacy Policies and Credit Reporting Policies (where applicable) (see “ our Policies”). Disclosures to overseas recipients 5. Some of the recipients to whom we disclose your personal information may be based overseas. For a list of countries where such recipients are located, refer to the: – NAB Privacy Policy at https://www � nab � com � au/common/privacy-policy ; – Qantas Money Privacy Statement at https:// www � qantasmoney � com/assets/legals/ qmoney/documents/qantas-money-privacy- policy � pdf ; and – Qantas Privacy Policy at https://www � qantas � com/au/en/support/privacy-and-security � html Exchange of information with Credit Reporting Bodies (“CRB”) and other information services 6. Qantas Money Credit Cards are issued by NAB (AFSL and Australian Credit Licence 230686). In this section, “ we ” refers to NAB only.

70 7. If you are a primary Cardholder and have made an application for consumer or commercial credit, as part of your application, or if you have obtained consumer or commercial credit from us , you agreed that we can obtain credit reporting information about you from a CRB for the purposes of assessing any application for consumer or commercial credit and collecting payments that are overdue in relation to consumer or commercial credit. If you are an applicant for consumer credit, your consent is not required for us to disclose your information to the credit reporting bodies we deal with or for us to request consumer credit information about you from those organisations. Credit reporting bodies make a record of credit information requests, and this data may be used and disclosed for the purpose of assessing credit worthiness, including in relation to calculating credit scores and credit ratings. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score. 8. You also agree that we can obtain, from any business providing information about commercial credit worthiness, commercial credit reports about you for the purposes of assessing applications for consumer or commercial credit. 9. We may disclose personal information about you (including credit information, such as details about the credit that we provide to you , your repayment history and any repayment defaults) to, and obtain credit reporting information about you from CRBs. CRBs may include that information in reports provided to us and other credit providers to assess your credit worthiness. You can review the relevant credit reporting policy at the following link: https:// www � nab � com � au/common/privacy-policy (see Attachment 1: Credit Reporting Policy). This policy contains important information about credit reporting, including the CRBs with which we may share your personal information,

71 their contact details, the type of credit reporting information we share with them (which includes information in relation to defaults and serious credit infringements), and your rights in relation to them (including requesting a CRB not to disclose your credit reporting information if you believe you have been or are likely to be a victim of fraud, or not use your credit reporting information for pre-screening of direct marketing). 10. We have certain rights to conduct credit assessments and other reviews of your Qantas Money Credit Card facility on an ongoing basis. We may also exchange personal information (including credit information) with the CRBs that we deal with in connection with these reviews and in accordance with the Privacy Act . This may include the collection of your credit report or other credit eligibility information from a CRB or CRBs in certain circumstances. For example, in relation to the collection of overdue payments or in order to offer appropriate assistance where we think you may be at significant risk of default. 11. Please refer to our Credit Reporting Policy in Attachment 1 of the NAB Group Privacy Policy at https://www � nab � com � au/common/privacy- policy for more information about NAB’s credit information handling practices. Our policies (including how to access and correct information and make a complaint) 12. You can review the: – NAB Privacy Policy at https://www � nab � com � au/common/privacy-policy ; or – Qantas Money Privacy Statement at https:// www � qantasmoney � com/assets/legals/ qmoney/documents/qantas-money-privacy- policy � pdf ; or – Qantas Privacy Policy at https://www � qantas � com/au/en/support/privacy-and-security � html 13. Our policies include information on how you can access and/or seek correction of the personal information (including where relevant, credit

72 information and credit eligibility information) we hold about you . These policies also contain information as to how you can make a privacy-related enquiry or complaint and how we will respond. There is no charge for making an access request but an administration fee may apply for providing access in accordance with your request. Your request will usually receive a response within 30 days. 14. The NAB Privacy Policy contains the NAB Credit Reporting Policy (see Attachment 1) and the details of the CRBs to whom we disclose your personal information and how to contact them and seek copies of your credit report and their policies related to handling your personal information including your credit information. Consent for NAB to exchange your personal information with Qantas 15. You consent to NAB exchanging your personal information with Qantas. This includes details such as identification and contact details, information we receive as part of your application and information relating to your Qantas Money Credit Card and Account (and your use of it). Your marketing communications preferences 16. Unless you have previously opted out of direct marketing in connection with your Account , by completing an application as a primary Cardholder or, by activating or continuing to use your Qantas Money Credit Card as an Additional Cardholder , you agreed that we, our affiliate companies, and our or their partners may use your personal information to keep you informed about offers relating to this product and other products, services and offers which may be of interest to you . They may do this by phone, mail, email and SMS or other electronic messages. 17. These consents shall remain in effect unless and until you utilise the unsubscribe facility

73 in the communication or otherwise notify us that you do not want to receive Qantas Money communications. When you apply for a new Qantas Money product and agree to receive offers and other marketing communications in the application process, we will keep you informed about offers and products related to your application. You can opt out using the unsubscribe functionality in any marketing message and you can manage your marketing communication preferences at any time by logging into your profile at qantas � com . 18. Note: If you have not told us that you do not wish to receive these communications by phone, you may be contacted even if you have registered your phone number on the national Do Not Call Register. Verification 19. Your telephone calls and conversations, including any electronic chat, with a customer service representative may be recorded and monitored for quality, training and verification purposes. Card Offers 20. We will provide your personal information (which will include your Primary Account Number (PAN) and historical transactions) to our service provider Mastercard Loyalty Solutions Australia Pty Ltd (“MLS”), to enable personalised offer matching assignment and fulfilment, based on your previous spend. This also allows verification of whether or not you have fulfilled the terms of the Card Offers. You agree that MLS will use the information provided to it to monitor activity on your Card to determine whether you have qualified for or earned towards Card Offers, and for the purposes of analysing the data and reporting that to us for the purposes of validating your eligibility for Card Offers. For more information about how Mastercard handles your data, please refer to https://www � mastercard � us/en- us/about-mastercard/what-we-do/privacy � html .

74 More information and contacting us 21. If you wish to find out more information, notify us that you don’t want to receive communications, or raise any specific or general concerns about us and our Privacy Policies, please: – Log in and chat with us ; – Telephone: 1300 992 700; or – Write to: Qantas Money Credit Cards - Privacy GPO Box 9992 Melbourne VIC 3001

75 Part C: Credit Guide This Part applies if your Account is regulated by consumer credit legislation. It may not all be relevant for Accounts that are designated as “Business Accounts ”. This Credit Guide and other disclosure documents that we may give you , are important documents. These documents are all written in English. You need to ensure that you read and understand these documents before you make a decision to obtain credit. If you are unable to read English you should get help from an independent translator to interpret this material. What is a Credit Guide? This Credit Guide is designed to assist you in understanding the credit services offered by National Australia Bank Limited ABN 12 004 044 937, AFSL and Australian Credit Licence 230686 (“the Credit Provider”) in relation to Qantas Money Credit Cards. The Credit Provider holds an Australian Credit Licence (ACL) issued by the Australian Securities and Investments Commission (ASIC). In this Credit Guide “ we ”, “ our ” and “ us ” means the Credit Provider . This Credit Guide outlines the types of credit services and credit contracts that the Credit Provider provides, gives information on the Credit Provider ’s obligations to you with respect to providing those services, and if necessary, how to make a complaint. How you can contact us ? You can contact the Credit Provider by: – Logging in and chatting with us ; or – Calling 1300 992 700.

76 How do we engage in credit activities and provide credit services? The Credit Provider engages in credit activities by entering into credit contracts with you . These contracts include: – Credit cards – Revolving lines of credit or personal loans – Temporary or ongoing Credit Limit increases The Credit Provider provides credit services to you by: – suggesting to you or assisting you with applying for new credit products; – at your request, assisting you to increase limits on your credit products; or – suggesting to you that you remain in a credit product. The Credit Provider also engages third parties to provide credit services to you . How will we provide credit contracts to meet your needs and circumstances? Before entering into a credit contract with you for new or increased credit, the Credit Provider will perform a credit assessment. This assessment will involve making enquiries as to your financial circumstances, an assessment of your requirements and objectives, and performing certain verifications of the financial information. The purpose of the assessment is to check, based on the information supplied, that you will be able to comply with the credit contract or Credit Limit increase agreement and that complying will not create a situation of substantial hardship for you , and to ensure that the contract meets your needs and objectives. This is a legal obligation of the Credit Provider . If it is likely that you will only be able to meet your repayment obligations by selling your principal place of residence, it must generally be presumed that you would only be able to comply with your obligations with substantial hardship, and such a

77 credit contract or Credit Limit increase agreement will not be entered into. It is important that you provide complete and accurate information about your current financial situation, and also about any likely future changes that may impact your ability to repay the loan without facing financial hardship. Obtaining a copy of the credit assessment Before entering into the credit contract or Credit Limit increase agreement, you may request a written copy of the credit assessment, in which case the assessment must be supplied before the contract is entered into. You may also request a copy of the credit assessment at any time during the 7 years after the day the credit contract is entered into or the limit increased. In this case, if the request is made within the first 2 years, then the assessment must be supplied to you within 7 Business Days . If the request is made beyond the first 2 years, then the assessment must be supplied to you within 21 Business Days . There is no charge for the supply of the credit assessment. Note: We are not required to provide you a copy of the assessment if the credit application or increase has been declined. What should you do if you have a complaint? If you have a complaint about the service provided to you , you can lodge your complaint in one of the following ways: – By phone: call us on 1300 861 537 Monday to Friday, 8am to 6pm (Melbourne time) – By email: Email us anytime at customerresolutions@creditcards � qantasmoney � com – In writing: Post your written complaint to: Qantas Money Credit Cards – Customer Resolutions Reply Paid 2870 Melbourne VIC 8060

78 Once you have contacted us , we will begin the process of investigating and resolving your complaint. We will try to resolve your complaint quickly and fairly, however some complaints do take more time than others. If we anticipate that your complaint will take longer than 21 days to resolve, we will contact you within this time to provide you with an update on our progress. If we are unable to resolve your complaint within 30 days (or within 21 days if it involves a hardship notice, default notice or request to postpone enforcement), we will: (a) tell you the reasons for the delay; (b) tell you the date by which you can reasonably expect to hear the outcome of our investigation; and (c) give you monthly updates on the progress; (d) tell you about your right to complain to the Australian Financial Complaints Authority (AFCA) if you are dissatisfied; and (e) provide you with contact details for AFCA (also set out below). For complaints involving hardship notice, default notice or request to postpone enforcement, exceptions apply to the 21 day timeframe if we do not have sufficient information to make a decision or we reach an agreement with you . If we require further information from you , then we will request it within 21 days of receiving the complaint. We also have a Customer Advocate whose role is to promote fair customer outcomes, advise and guide our complaints teams on how best to resolve complaints, and recommend changes to our bank policies, procedures and processes. Alternate dispute resolution paths If, despite our best efforts, you feel the dispute resolution process was not fair, or you remain unhappy with the outcome, you can refer your complaint to: – The Australian Financial Complaints Authority (AFCA). AFCA offers an independent alternative

79 dispute resolution service to customers who have been through our internal complaint process. How to contact AFCA Post: GPO Box 3, Melbourne VIC 3001 Phone: 1800 931 678 (free call) Email: info@afca � org � au Website: www � afca � org � au – The Australian Securities and Investments Commission (ASIC) also has a free information line on 1300 300 630 that can be used to get more information on your rights, and how to make a complaint.

80 Part D: Information Statement This Part applies if your Account is regulated by consumer credit legislation. It may not all be relevant for Accounts that are designated as “Business Accounts ”. Things you should know about your proposed credit contract This statement tells you about some of the rights and obligations of your self and your credit provider. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider and, if you still have concerns, the AFCA scheme, or get legal advice. THE CONTRACT

How can I get details of my proposed credit contract? Your credit provider must give you a pre- contractual statement containing certain information about your contract. The pre- contractual statement, and this document, must be given to you before your contract is entered into.
How can I get a copy of the final contract? If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy: – within 14 days of your written request if the original contract came into existence 1 year or less before your request; or – otherwise within 30 days of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to the credit provider so long as: – you have not obtained any credit under the contract; or

81 – a Card or other means of obtaining credit given to you by your credit provider has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any fees or charges incurred before you terminated the contract. 4. Can I pay my credit contract out early? Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract. 5. How can I find out the payout figure? You can write to your credit provider at any time and ask for a statement of the payout figure as at any date you specify. You can also ask for details of how the amount is made up. Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees. 7. Can my contract be changed by my credit provider? Yes, but only if your contract says so. 8. Will I be told in advance if my credit provider is going to make a change in the contract? That depends on the type of change. For example: – you get at least same day notice for a change to an Annual Percentage Rate . That notice may be a written notice to you or a notice published by your credit provider. – you get 20 days’ advance written notice for: • a change in the way in which interest is calculated; or

82 • a change in credit fees and charges; or • any other changes by your credit provider; except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at 1800 931 678 (free call), info@afca � org � au , www � afca � org � au and by writing to GPO Box 3, Melbourne VIC 3001. Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www � asic � gov � au . INSURANCE 10. Do I have to take out insurance? Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider cannot insist that you use any particular insurance company. 11. Will I get details of my insurance cover? Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a

83 copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing your insurer must give you a statement containing all the provisions of the contract. 12. If the insurer does not accept my proposal, will I be told? Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected. 13. In that case, what happens to the premiums? Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer. GENERAL 14. What do I do if I cannot make a repayment? Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways: – to extend the term of your contract and reduce payments; – to extend the term of your contract and delay payments for a set time; or – to delay payments for a set time. 15. What if my credit provider and I cannot agree on a suitable arrangement? If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 17.

84 16. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 17. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully. IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE. THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME CAN BE CONTACTED AT 1800 931 678 (FREE CALL), INFO@AFCA � ORG � AU , WWW.AFCA.ORG.AU AND BY WRITING TO GPO BOX 3, MELBOURNE VIC 3001. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

85 Contact us Report security issues 24 hours a day Access the Qantas Money Credit Cards App or log in to https://www � qantasmoney � com/credit- cards to report a lost or stolen Card and request a replacement. Alternatively, you can call us on 1300 992 700 from within Australia or +61 2 8222 2569 from overseas 24 hours a day, 7 days a week: – to report lost or stolen Cards , devices or Security Codes ; – if you need any assistance with any Payment Facility ; – if you need general descriptive information on Account opening procedure, our obligations regarding the confidentiality of your instructions, complaint handling procedures, you informing us when you are in financial difficulty or the advisability of you reading the terms and conditions applicable to your Account in full; or – if you need to obtain current details of limits, fees, charges and interest rates. For more information visit https://www � qantasmoney � com/credit-cards If you are calling within Australia 1300 992 700 If you are calling outside Australia +61 2 8222 2569 For general correspondence or to notify us of things please: – Log in and chat with us ; – Call 1300 992 700; or – Write to: Qantas Money Credit Cards GPO Box 9992 Melbourne VIC 3001

86 For privacy related enquiries: – Login and chat with us ; – Call 1300 992 700; or – Write to: Qantas Money Credit Cards - Privacy GPO Box 9992 Melbourne VIC 3001 For accessibility and disability support information, please visit https://support � qantasmoney � com/ customersupport/accessibility-and-disability- support

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National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. QCC16257_(0725)

Source: https://www.qantasmoney.com/credit-cards/premier-platinum/fees-and-rates

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Credit Cards

Qantas Money

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Qantas Money Platinum fees and rates

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Apply for the Qantas Money Platinum Credit Card

Earn up to 80,000 bonus Qantas Points. New cardholders receive 40,000 bonus Qantas Points when $5,000 or more is spent on eligible purchases within 90 days from card approval. Plus, an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1

Plus enjoy a discounted $349 first year annual fee.2

Apply now

Annual fees

Annual Fee2	$399 per year. Special offer - $349 annual fee for the first year.
Additional Cardholder Fee	$50

Interest rates

Retail Purchase Rate	20.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period3	Up to 44 days
Balance Transfers4	0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months.4We can't process balances transfers from certain issuers - see our indicative list

Other fees

Other fees and charges comparison table

Fee type	Amount	When is this fee charged?	How can you avoid the fee?
Additional Cardholder	$50	Up to 4 cards. Per Additional Cardholder, debited to your Account on the last day of the Statement Period in which an Additional Cardholder is added to your Account or on first use of the Account (whichever is later). If the Additional Cardholder is added to your Account after the first use of the Account and in a Statement Period other than the one in which the anniversary of the day we approved your Account occurs, this will be calculated and debited pro rata in respect of that Additonal Cardholder from the month the Additional Cardholder is added until the month before the anniversary of the day we approved your Account. After that, $50 per Additional Cardholder will be debited each year on the same day as your Annual Fee.
Late payment fee5	$30	Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.	Make sure you pay your bill on time. Sign up for Direct Debit (AutoPay) to pay your bill automatically by direct debit and never miss a payment.
Paper statement fee6	$2	For each paper statement we send you.	Opt in to online statements on the Qantas Money Credit Cards App, Online, or contact us.
Over-the-counter fee7	$2.50	When you make a cash payment at an Australia Post outlet.
Domestic cash advance fee	$3.00 per transaction amount or 3% of the transaction amount whichever is higher	When you make Domestic Cash Advance from your account. Please see the definition of Cash Advance in your product T&Cs booklet.
International cash advance fee8	$5 per transaction	For a Cash Advance outside Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.
International transaction fee	3% of the transaction amount	When you make any purchase or cash advance in: Foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.

Important Information

To view the respective Target Market Determination (TMD) related to these products, please visit the TMD page.

View all important information

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

Offer commenced 10 August 2026. To be eligible for up to 80,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Credit Card before the offer is withdrawn. 40,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 40,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. The account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
Offer commenced 8 September 2025. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
Offer commenced 10 August 2026. New Qantas Money Platinum credit cardholders only. Your total balance transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: the 0% p.a. interest rate applies to balances transferred and the balance transfer fee, for a period of 24 months. The 24 month promotional period commences once the Balance Transfer is processed. The balance transfer fee is 3% of the balance transferred and will be added to your outstanding balance on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and the balance transfer fee, will revert to the variable Cash Advance Rate, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time. We can't process balance transfers from certain issuers - see our indicative list
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due Date. The Late Fee is debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. The Minimum Payment Due and any Over Due Amount and Payment Due Date are detailed on your statement.
Manage your statement delivery preference on the Qantas Money Credit Cards App, Online, or contact us for assistance. A $2 fee applies every time a paper statement is issued. This may be waived in limited circumstances.
This fee will be debited to your account when you choose to make a payment at Australia Post.
The international transaction fee applies in addition to the international cash advance fee.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://www.qantasmoney.com/terms-and-forms/tmd

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Qantas Money

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Target Market Determinations

Qantas Money Home Loans

Qantas Home Loans target market determination

Effective date
Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved on or after 17 October 2025
Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved on or after 26 May 2025
Owner Occupied Home Loan Interest Only - Fixed Rate Owner Occupied Home Loan Interest Only - Variable Rate Owner Occupied Home Loan Principal and Interest - Fixed Rate Owner Occupied Home Loan Principal and Interest - Variable Rate Residential Investment Loan Interest Only - Fixed Rate Residential Investment Loan Interest Only - Variable Rate Residential Investment Loan Principal and Interest - Fixed Rate Residential Investment Loan Principal and Interest - Variable Rate	14 November 2023 - loans approved prior to 26 May 2025

Qantas Money Credit Cards

Qantas Money Everyday

Qantas Money Everyday target market determinations

Effective date
Current: Qantas Money Everyday Target Market Determination	28 July 2026
Historic: Qantas Money Everyday Target Market Determination	8 September 2025
Historic: Qantas Premier Everyday Target Market Determination	14 July 2025
Historic: Qantas Premier Everyday Target Market Determination	5 November 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2024
Historic: Qantas Premier Everyday Target Market Determination	11 April 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2023
Historic: Qantas Premier Everyday Target Market Determination	1 June 2022
Historic: Qantas Premier Everyday Target Market Determination	5 October 2021

Qantas Money Platinum

Qantas Money Platinum target market determination

Effective date
Current: Qantas Money Platinum Target Market Determination	28 July 2026
Historic: Qantas Money Platinum Target Market Determination	8 September 2025
Historic: Qantas Premier Platinum Target Market Determination	14 July 2025
Historic: Qantas Premier Platinum Target Market Determination	5 November 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2022
Historic: Qantas Premier Platinum Target Market Determination	5 October 2021

Qantas Money Titanium

Qantas Premier Titanium target market determinations

Effective date
Current: Qantas Money Titanium Target Market Determination	28 July 2026
Historic: Qantas Money Titanium Target Market Determination	8 September 2025
Historic: Qantas Premier Titanium Target Market Determination	14 July 2025
Historic: Qantas Premier Titanium Target Market Determination	5 November 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2023
Historic: Qantas Premier Titanium Target Market Determination	1 June 2022
Historic: Qantas Premier Titanium Target Market Determination	5 October 2021

Qantas Pay

Qantas Travel Money target market determinations

Effective date
Qantas Pay Target Market Determination	21 May 2024

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Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html

Complimentary Lounge Invitations terms and conditions

These terms and conditions govern Complimentary Lounge Invitations

Effective 1 July 2026

On this page

Introduction

Definitions

Using an invitation

Unlinking a Complimentary Invitation - changes by an Eligible Customer

Unlinking a Complimentary Invitation - changes by Qantas

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges.html

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html

Lounge entry terms and conditions

Entry into a Qantas branded lounge is subject to the following terms and conditions.

Effective 1 July 2026

On this page

Eligibility

Lounge etiquette

General

Lounge invitations

The Qantas Club

Source: https://www.qantasmoney.com/assets/legals/documents/Qantas_Money_Platinum_Credit_Card_Airline_Benefit_Terms.pdf

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf

Grown Alchemist in our Business lounges