Qantas American Express Discovery Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- Frequent flyer36
- No annual fee55
- Qantas Points36
- Rewards41
Customer reviews
Based on 7 reviews
Most of the praise went to rewards, fees and customer service.
Awesome rewards, no fees
You get a bunch of cashback offers almost monthly, with great savings at a variety of retailers, and Qantas Frequent Flyer points with every purchase. Whenever I’ve had to deal with customer service, the experience has been very impressive — can’t complain at all. If you haven’t…
Fantastic for quickly increasing air miles
It’s a great card because you can use it at nearly all shopping outlets. PayWave is included. It’s fantastic for quickly increasing the air miles. The cost can be high, but you pay for the good customer service and peace of mind of using a well-known and easy-to-deal-with brand.…
Rewards card with no fee, but not widely accepted
I am very pleased with the card itself. There’s absolutely no annual fee, and upon the first $300 and Qantas purchase, you get 5000 and 2500 extra points. Although the earning rate is only 1 point per dollar, not as high as other AmEx cards, I don’t have too much complaint about…
No annual fee and great rewards
This card has no annual fee and great rewards. It has been around for ages. Although it’s not accepted too widely, I do get by. It would be great if vendors stopped charging their ridiculous fees, but I make sure I let them know my opinion and walk out without buying. AmEx needs…
Excellent card with no fees
An excellent card, easy to apply for an obtain, accepted everywhere with absolutely no fees and charges. There’s an added perk of 0.5 points per dollar in Qantas Frequent Flyer points. It’s a very good card for daily use as well as when travelling domestically and…
Be treated as a VIP with American Express
With the Qantas American Express Discovery Credit Card I’ve had exclusive access to lounges and bars before shows or during varying entertainment events, by showing my American Express card.Also with pre-registration of my details and my card details with designated companies, I…
Great rewards and no fees
This is a great card with a decent rewards program that links with my Qantas Frequent Flyer account. Every now and then you get great offers on your card to use in a variety stores. I like the Small Business Saturday promotions they have, supporting and encouraging shopping at…
Pros & cons
What's good
- No annual fee.
- Earns 0.5 points per $1 on ATO and government payments, where many rewards cards earn nothing.
- No fee to add an additional cardholder.
Worth noting
- The 23.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- Earns 0.75 points per $1 on everyday spend, below the dataset average.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- American Express
- Card use
- Personal
- Credit limit
- $2,000 – $100,000
- Credit rating
- Good
- Rewards program
- Qantas Frequent Flyer
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 23.99% p.a.
- Purchases
- 23.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- —
- Foreign transaction fee
- 3.5%
- Late payment fee
- $30
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2.5% of the closing balance or $30, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 0.75 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- 0.5 pts per $1 on ATO and government payments
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Where these points could take you
- Auckland
- Flying Qantas non-stop, using Qantas points. Economy 20,700 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- Qantas American Express Discovery CardvsAmerican Express Velocity Escape Plus Card
- Qantas American Express Discovery CardvsAmerican Express Velocity Platinum Card
- Qantas American Express Discovery CardvsANZ First
- Qantas American Express Discovery CardvsANZ Frequent Flyer Black
- Qantas American Express Discovery CardvsANZ Frequent Flyer Platinum
- Qantas American Express Discovery CardvsANZ Low Rate
- Qantas American Express Discovery CardvsANZ Low Rate - Credit Back Offer
Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- American Express
- Program
- Qantas Frequent Flyer