Credit Card Compare

Qantas Money Titanium

Data last updated 20 July 2026
20.99%
Purchase rate
$1,200
Annual fee
150,000
Bonus points

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Qantas Money Titanium card
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer50
  • Frequent flyer48
  • Qantas Points48
  • Rewards42
  • Sign-up bonus61

Customer reviews

No reviews yet. Be the first to review the Qantas Money Titanium.

Pros & cons

What's good

  • 150,000 bonus Qantas Points to start, worth around $1,800 at our 1.2c-per-point valuation.
  • 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (no transfer fee, reverts to 21.99% p.a.).
  • Earns 2 points per $1 on overseas spend.

Worth noting

  • The $1,200 annual fee is high for a Standard card, where the typical fee is about $50.
  • The 20.99% 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 1.25 points per $1 on everyday spend, around the dataset average.
  • The 1.25-point rate on everyday spend applies only to the first $12,500 spent each statement period, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee
$100 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$15,000 – $100,000
Credit rating
Good
Rewards program
Qantas Frequent Flyer

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$200,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
20.99% p.a.

Fees

Additional cardholder fee
$100
Annual fee
$1,200 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
3%
Late payment fee
$30

Repayments

Interest-free period
Up to 44 days on purchases
Minimum repayment
2% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from
Coles, Kogan Money, MyCard, NAB, Qantas Money
Limit
Up to your available credit limit
Period
6 months
Promotional rate
0% p.a.
Revert rate
21.99% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

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
1.25 pts per $1 up to $12,500 per statement period
Bonus categories
None
Other purchases
None
Overseas spend
2 pts per $1 on overseas spend
ATO/government
None
Reduced rate above monthly cap
0.5 pts per $1 above $12,500 per statement period
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
150,000 points

Where these points could take you

Auckland
Flying Qantas non-stop, using Qantas points. Economy 20,700 pts, Premium Economy 32,600 pts, Business 43,600 pts.
London
Flying Qantas via Singapore, using Qantas points. Economy 63,500 pts, Premium Economy 124,700 pts, Business 166,300 pts.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts, Premium Economy 97,600 pts, Business 130,100 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts, Premium Economy 61,600 pts, Business 82,100 pts, First 123,100 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.

Rewards value$540 a yearTop 10% (5th of 95 cards)
Sign-up bonus$1,800Top 10% (6th of 59 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Purchase rate20.99%Not as good as most cards (125th of 196 cards)
Balance transfer0% for 6 monthsNot as good as most cards (31st of 44 cards)
Interest-free days44 daysNot as good as most cards (141st of 192 cards)
Annual fee$1,200 a yearAmong the most expensive (199th of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Qantas Money
Program
Qantas Frequent Flyer