1. [All Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards)  axp-icon-right
2. The Qantas American Express Ultimate Card

[The American Express Platinum Edge Credit Card](https://www.americanexpress.com/en-au/credit-cards/platinum-edge-credit-card/?linknav=en-au-amex-cardshop-details-browse-platinumEdgeCreditCard)[The American Express Explorer Credit Card](https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/?linknav=en-au-amex-cardshop-details-browse-explorerCreditCard)[The American Express Platinum Card](https://www.americanexpress.com/en-au/credit-cards/the-platinum-card/?linknav=en-au-amex-cardshop-details-browse-platinumCard)[The Qantas American Express Ultimate Card](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/?linknav=en-au-amex-cardshop-details-browse-qantasUltimateCard)[The Qantas American Express Premium Card](https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/?linknav=en-au-amex-cardshop-details-browse-qantasPremiumCard)[The American Express Velocity Platinum Card](https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/?linknav=en-au-amex-cardshop-details-browse-velocityPlatinumCard)[The Qantas American Express Discovery Card](https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/?linknav=en-au-amex-cardshop-details-browse-qantasDiscoveryCard)[The American Express Essential Rewards Credit Card](https://www.americanexpress.com/en-au/credit-cards/essential-rewards-credit-card/?linknav=en-au-amex-cardshop-details-browse-essentialRewardsCreditCard)[The American Express Velocity Escape Plus Card](https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/?linknav=en-au-amex-cardshop-details-browse-velocityEscapePlusCard)[The Low Rate Credit Card from American Express](https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/?linknav=en-au-amex-cardshop-details-browse-lowRateCreditCard)[The American Express Qantas Business Rewards Card](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/?linknav=en-au-amex-cardshop-details-browse-qantasBusinessRewardsCard)[The American Express Business Gold Plus Card](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/?linknav=en-au-amex-cardshop-details-browse-businessGoldPlusCard)[The American Express Business Explorer Credit Card](https://www.americanexpress.com/en-au/credit-cards/business-explorer-credit-card/?linknav=en-au-amex-cardshop-details-browse-businessExplorerCreditCard)[The American Express Platinum Business Card](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/?linknav=en-au-amex-cardshop-details-browse-platinumbusinessCard)[The American Express Velocity Business Card](https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/?linknav=en-au-amex-cardshop-details-browse-velocityBusinessCard)

# The Qantas American Express Ultimate Card

The Ultimate Card for Qantas Points, rewards and benefits

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/qantas-ultimate?pct=7QY&mrsourcecode=Q0450QFU&intlink=en-au-amex-cardshop-details-apply-qantasUltimateCard-side-rail)

Compare Card

* \*Terms And Conditions

New Card Member Offer

### **Receive 50,000 bonus Qantas Points**

when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

Key Information

Card Type

[Credit Card](https://www.americanexpress.com/au/credit-cards/)

Annual Fee

$450 p.a.

Interest Rate

23.99% p.a.

Interest Free Period

Up to 44 days

How You Earn Qantas Points

* ###  
2.25 QANTAS POINTS on eligible Qantas products and services4  
## 2.25  
## QANTAS POINTS  
## on eligible Qantas products and services4  
## per $1 spent
* ###  
1.25 QANTAS POINTS on everyday purchases, except spend at government bodies in Australia where you’ll get 0.5 Qantas Points18  
## 1.25  
## QANTAS POINTS  
## on everyday purchases, except spend at government bodies in Australia where you’ll get 0.5 Qantas Points18  
## per $1 spent
* ###  
##  
##  
##  
## After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.18

Key Benefits

$450 Annual Qantas Travel Credit

Receive a $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year when booked through [American Express Travel](https://travel.americanexpress.com.au/apps/shopping/#/search/air)

Airport Lounge Access

Enjoy two complimentary entries to The Centurion Lounge, plus two Qantas Club Lounge invitations each year after purchasing select Qantas products and services

Additional Cards at no extra cost

Earn more Qantas Points with up to 4 Additional Cards for family members or friends, at no extra fee

All Benefits

* Qantas RewardsEnjoy uncapped Qantas Points earning potential for every dollar you spend on your Card.  

Outstanding Qantas Points earning potential  
   * Enjoy uncapped Qantas Points earning potential for every dollar you spend on your Card.10  
   * Earn points faster by adding up to 4 Additional Cards to your Account for family or friends, at no extra fee. All points earnt will be credited to your Account9  
See where your points can take you  
Points will be transferred to your Qantas Frequent Flyer account each month and can be redeemed for Classic Flight Rewards11 such as:  
   * Fly Sydney to Honolulu Economy return for 1 person from 63,000 Qantas Points plus AUD $382 taxes, fees and carrier charges.  
   * Fly Melbourne to Hamilton Island Business Class one way for 1 person from 41,500 Qantas Points plus AUD $106 taxes, fees and carrier charges.  
   * Fly Sydney to Melbourne Economy return for 1 person from 16,000 Qantas Points plus AUD $110 taxes, fees and carrier charges.  
         
   Information is at 22/01/2025.  
Exclusive Qantas Benefits  
   * Complimentary Qantas Wine Premium Membership12, allowing you to enjoy gourmet food, exceptional wines and exclusive access to food and wine events around Australia  
   * Earn 3 points per dollar spent on all Qantas Wine purchases12  
   * Complimentary Qantas Wine delivery within Australia13
* Service and ProtectionProtection when you need it most. Shop with confidence.  

  
Shop with confidence  
Use your Card with confidence knowing you’re protected by the world-class service and protection of American Express with these great benefits:  
   * Card Purchase Cover14, covering eligible items purchased with your Card  
   * Card Refund Cover14, covering the cost of eligible items when a store refuses a return  
   * Fraud Protection Guarantee15, protecting you from unauthorised charges made on your Account  
   * Emergency Card replacement16, for lost or stolen Cards to virtually anywhere in the world  
   * Plan It™ Instalments17 is a new feature of your Card that offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.  
   * Compatibility with Apple Pay, Samsung Pay and Google Pay, helping you check-out faster
* Travel BenefitsExplore the top travel perks you get as a Card Member and plan your next adventure.  

  
$450 Annual Qantas Travel Credit  
Enjoy a $450 Qantas Travel Credit each Membership year to use on eligible domestic and international Qantas flights. Just use your annual Qantas Travel Credit to book online with [American Express Travel.6](https://travel.americanexpress.com.au/apps/shopping/#/search/) Learn more about the Qantas [Travel Credit](https://www.americanexpress.com/au/credit-cards/membership-benefits/the-qantas-ultimate-card)  
Airport Lounge Access  
Relax before your next trip thanks to airport lounge access. You'll enjoy two complimentary entries to The Centurion® Lounge at Sydney or Melbourne International Airports7, plus two Qantas Club Lounge invitations following an eligible Qantas product or service purchase on your Card8.  
Complimentary Travel Insurance  
Travel with domestic and international insurance14 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:  
    
\- Medical emergency expenses  
\- Public transport accident up to $400,000  
\- Trip cancellation and amendment up to $12,500  
\- Loss or damage to baggage, money or documents up to $10,000  
\- Travel inconvenience if your flight is delayed  
\- A range of cover for COVID-19  
    
Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.  
    
Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).

Eligibility

To apply for The Qantas American Express Ultimate Credit Card you need to:

* Have no history of bad debt or payment default
* Be aged 18 years or over
* Be an Australian citizen, permanent resident or hold a long term visa
* Agree to a credit check as part of your application

Documentation

Documents and information to have ready:

* Australian Driver's License number (if you have one)
* Details of your income, expenses, and debts
* Proof of income (e.g. payslips)

Please click here to read the [Key Facts Sheet](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au%5FKFS%5FQantas.pdf) for this Credit Card.

Important Information

* [Qantas American Express Cards Points Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf)
* [Insurances Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fultimatecard.pdf)
* [Qantas Club Lounge Invitation and Qantas Travel Credit Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fqantas-ultimate-benefits-tncs.pdf)
* [Card Terms & Conditions](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit%5FCard%5FConditions.pdf)
* [Target Market Determination](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/TargetMarketDetermination%5FQantasUltimate.pdf)

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/qantas-ultimate?pct=7QY&mrsourcecode=Q0450QFU&intlink=en-au-amex-cardshop-details-apply-qantasUltimateCard-banner)

# The Qantas American Express Ultimate Card

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.  
American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 19 March 2025 and are subject to change. Applicants must be 18 years of age or over to apply for the Qantas American Express Ultimate Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Bonus & Eligibility.  
Receive 50,000 bonus Qantas Points when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Card within the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion This offer is only available to new American Express Card Members. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf). 50,000 bonus Qantas Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at [qantas.com/terms](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html). The Qantas American Express Ultimate Card has an annual Card fee of $450\. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. Interest Rate.  
This interest rate does not apply for Cash Advances and associated fees.
3. Interest Free Period.  
You will have up to 44 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
4. Additional Qantas Points.  
Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf).
5. Qantas Points.  
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at [qantas.com/terms](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html). Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf), and exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf). You will earn 0.5 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
6. Qantas Travel Credit.  
Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to the full Qantas Travel Credit Terms and Conditions at [amex.com.au/qantasultimate-travelcreditterms](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fqantas-ultimate-benefits-tncs.pdf). The Qantas Travel Credit can be redeemed through [American Express Travel Online](https://travel.americanexpress.com.au/apps/shopping/#/search/air) on a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas [Conditions of Carriage](https://www.qantas.com/au/en/book-a-trip/flights/conditions-of-carriage.html). To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit [americanexpress.com.au/travel](https://travel.americanexpress.com.au/apps/shopping/#/search/air); log in and click ‘Travel Credit’. If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
7. The Centurion® Lounge  
Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at [amex.com.au/airportlounge](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/travel/airport-lounges/the-centurion-lounge/index.html). All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
8. Qantas Club Lounge.  
Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf). Within 2 weeks of purchasing selected Qantas products and services, you will receive an email from Qantas confirming the Qantas Club Lounge Invitations are available for use. Login to the [Complimentary Invitations Portal](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations.html) using your Frequent Flyer details to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club [Terms and Conditions](http://www.qantas.com/travel/airlines/qantas-club-terms-conditions/global/en) and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card [Terms and Conditions](https://icm.aexp-static.com/Internet/internationalcardshop/en%5Fau/pdf/qantas-ultimate-card/qantas-points-terms-and-conditions.pdf) or the Qantas Club Lounge Access [Terms and Conditions](http://www.qantas.com/travel/airlines/qantas-club-terms-conditions/global/en).
9. Additional Card Members.  
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
10. No Cap On Earn Rate.  
As long as your account remains current and in good standing.
11. Classic Flight Rewards.  
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit [qantas.com/classicflightrewards](http://qantas.com/classicflightrewards).
12. Qantas Wine.  
Qantas Wine Premium Membership and its benefits are subject to the [Qantas Wine Terms and Conditions](https://wine.qantas.com/termsandconditions). To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address. An annual Membership fee usually applies for Qantas Wine Premium Membership, but this will be waived so long as you continue to hold your Qantas American Express Ultimate Card. Complimentary joining gift is not available with this offer. Qantas Wine Premium Membership will be automatically applied within 2 weeks of Qantas Points being credited to your Qantas Frequent Flyer account from your first spend on your Qantas American Express Ultimate Card. You will receive email confirmation from Qantas about your Qantas Wine Premium Membership enrolment. Qantas Wine Premium members will earn 3 Qantas Points per dollar on [qantas.com/wine](https://wine.qantas.com/). Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736.
13. Qantas Wine Delivery.  
Delivery is subject to the [Qantas Wine Terms and Conditions](https://wine.qantas.com/termsandconditions) and available within Australia only.
14. Qantas Ultimate Card Insurance.  
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Ultimate Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the [American Express Qantas Ultimate Credit Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fultimatecard.pdf) and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
15. Fraud Protection Guarantee.  
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
16. Emergency Card Replacement.  
If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687\. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
17. Plan It:  
You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions [here.](https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/terms-and-conditions.html)
18. From 10 January 2024, once you have earned a total of 100,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 1 Qantas Point per $1 spent on everyday purchases. All other earn rates (Qantas products and services and government spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 100,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.