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150,000 Qantas Points and 2 Qantas First Class Lounge Invitations with the Qantas Money Titanium Credit Card
Card Overview
Earn 150,000 Qantas Points when you spend $5,000 on eligible purchases in the first 90 days. Get two Qantas First Lounge passes per year, 20% more Status Credits, and 10% off selected Qantas domestic and international flights for two people, twice annually. Earn up to 2 Qantas Points per $1 on eligible spend (up to $12,500 per statement period), then 0.5 thereafter. Includes 0% p.a. on balance transfers for 6 months. Annual fee is $1,200.
Key Attributes
150,000 Qantas Points, when you spend $5,000 on eligible purchases in the first 90 days from approval
10% discount on selected Qantas domestic and international flights for 2, twice per anniversary year
20% additional Status Credits on all eligible Qantas flights
2 x Qantas First Class lounge invitations per cardholder year
2 x Qantas Club or Qantas operated International Business Lounge invitations per cardholder year
Apple Pay & Google Pay supported
1.25 Qantas Points per $1 up to $12,500 per statement period and 0.5 thereafter
2 Qantas Points per whole AU$1 equivalent on international spend (uncapped)
2 additional Qantas Points per whole AU $1 equivalent spent on Qantas spend (uncapped)
Annual Fee: $1200 p.a.
The Qantas Money Titanium Credit Card is currently offering 150,000 Qantas Points to new cardholders. You must spend $5,000 or more in the first 90 days to get the bonus points. An annual fee of $1,200 includes several perks that money can’t normally buy.
This guide closely examines the card to determine whether it could work for you.
Who is the Qantas Money Titanium card geared towards?
This Card is a niche offering targeted to frequent buyers. With an annual fee of $1,200 and a minimum income eligibility of $200,000, this card is not for everyone. If you apply for this Card, make sure to give it a good daily workout to extract the most value.
Also, maximising the use of Qantas products and services where you can further maximise value.
The Qantas Money Titanium card appears to target a demographic that would otherwise seek out the American Express Platinum Card. It should be no surprise that this card also sports a metallic look similar to the Amex Platinum.
To a lesser extent, it also competes with the Citi Prestige card.
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.
Qantas Money Titanium card details
Card Details
Card
Qantas Money Titanium card
Loyalty Program
Qantas Frequent Flyer
Points earned from spend
Up to 3.25 Points on selected Qantas products and services in Australia
2 Points on international spend (uncapped)
1.25 Points on domestic spend up to $12,500 per statement period, then 0.5 points
Points Cap
Up to $12,500 (10,000 points) per statement period, then 0.5 Qantas Point per $1 thereafter
There’s also an additional 2 bonus Points per dollar for spending on Qantas products and services. This includes flights booked through qantas.com and Qantas Club membership. There is also a higher earn rate of 2 Qantas Points per dollar for overseas purchases.
The earn rate per dollar spent up to $12,500 per statement period is the most competitive in the market. And the earning cap per statement period is reasonable. But it’s a shame that above $12,500, the earn rate significantly drops to just 0.5 Points per dollar spending.
Therefore, this card is best suited to those looking to spend near the $12,500 threshold limit per statement period.
There are a few things to consider here:
The Qantas Money Titanium Credit card is a Mastercard, meaning that it is currently accepted in more locations than Amex
However, the Qantas Money Titanium card is also a direct-earn card. Therefore, your points are funnelled to your Qantas Frequent Flyer account automatically at the end of each statement period. As such, you are ineligible to participate in bonus promotions for manually transferring your reward points to Qantas. Such promotions are possible with the American Express Rewards Cards.
Also, note the definition of an Eligible Transaction. The definition does not include transactions from operating a business or from government transactions, including paying the ATO. The full definition can be found in the Qantas Money Credit Card Rewards Terms and Conditions.
Bonus Status Credits
The card also earns an additional 20% Status Credits on all eligible Qantas flights.
Note the following conditions regarding the bonus status credits:
Bonus Status Credits are only earned on Qantas-operated and marketed flights. These flights must be booked using the Qantas Money Titanium Credit Card
The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership. Nor can a Platinum One member use the status credits to retain the Platinum One membership status.
Bonus Status Credits will not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, Platinum One Member additional benefits. And they will not be earned in conjunction with other Status Credit promotions unless otherwise specified.
There are five membership tiers in Qantas Frequent Flyer, from lowest to highest:
The ability to earn bonus Status Credit from the Card can help you qualify for elite status:
Status
Without Qantas
Titanium card
With Qantas
Titanium card
Silver
300
250
Gold
700
584
Platinum
1400
1167
Platinum One
3600
3600
And here are the numbers you need to maintain your status:
Status
Without Qantas
Titanium card
With Qantas
Titanium card
Silver
250
209
Gold
600
500
Platinum
1200
1000
Platinum One
3600
3600
Getting 20% status bonus may at first not seem so large. But the table above shows how it can be the difference between reaching the next status tier or not.
The Card come with two Qantas First lounge passes. This is welcome, as it’s the only card in the market to do so. A further two Qantas Club or International Business Class lounge passes are offered. Therefore a total of 4 digital lounge passes are provided every year.
First Class lounge access
You can access Qantas’ First Class lounges twice per year. Therefore, you can enjoy the comfort of Qantas’ premier lounges in Sydney and the newer version of it in Melbourne. And you don’t have to be flying First Class!
Qantas First Class Lounge Sydney
Other Qantas lounge access
The Card gives you two single-entry complimentary lounge Invitations each year on your card anniversary. These lounge invitations can be used at domestic Qantas Club lounges or Qantas-operated International Business Lounges. But does exclude the Los Angeles Tom Bradley Terminal International Business Lounge.
The Qantas Money Titanium card gives you a 10% discount on eligible Qantas flights booked through the Qantas Money Titanium concierge. This covers all domestic and international fare classes for up to two bookings per year for two people.
Eligibility
Flights must be booked via the Qantas Money Titanium Concierge
Flights must be paid for with your Qantas Money Titanium card
The Qantas Money Titanium Credit Card is definitely a unique proposition in the market. It definitely offers Qantas benefits not seen in other cards. For this reason, the Card is likely to be quite well regarded by frequent flyers solely dedicated to Qantas. The 20% status bonus on flights will especially be beneficial for these flyers, providing a shortcut to elite tier status.
With an annual fee of $1,200 per year, however, you need to ensure that you are specifically loyal to Qantas. Otherwise, you may not maximise the Card’s benefits. If you like to spread your travel around multiple airlines, this Card may not be for you. But if Qantas is your go-to airline and you are a genuine frequent flyer, then plenty of benefits can be gained by having this card in your wallet.
150,000 Qantas Points and 2 Qantas First Class Lounge Invitations with the Qantas Money Titanium Credit Card was last modified: January 30th, 2026 by
Community Comments
There are some nice benefits to this card (points, invites, status boost), but the 10% discount does not work.
I’ve had this card twice in the past and for me it’s worth it (alongside other cards like Amex in parallel). However the concierge service is some white-labelled offering with a call center in The Philippines. They don’t seem to know much about the card offerings and don’t think that Qantaslink and other regional subsidiaries count for the “Qantas only” 10% discount. I have an upcoming international flight with regional connections and they said they’d have to get back to me, but thought only the international leg could be reimbursed (They can’t book multi-leg flights, you have to book it yourself and phone for a refund). I’ve pinged them again and they still said they’re thinking about it. I’ve since given up and cancelled the card before its anniversary. I might get it again in the future for the automatic benefits, but I don’t value the concierge or the 10% discount. I suspect claiming on the travel insurance would probably involve going through the concierge too, which would almost certainly be a whole lot of “computer says no”.
Agreed with most posters that the Amex charge is vastly superior; we’ve had ours for several years now, and the card pays for itself.
Amex even considers ‘household income’ (yours and your partner) to ascertain whether you meet their $100k p.a. income requirement (which many may not be aware of).
Do you know whether Qantas Money assess their income requirement as a household or for the primary applicant only, Daniel?
The monetary significance of 10% off Qantas flights for 2 ppl twice a year seems to be missed here. For the target audience cardholder, all one needs to spend is $12000 on flights (very easily achieved on business class especially if you’re booking for 2 people twice a year) to recoup the annual fee of $1200. The caveat is if this is only applicable to base fare and not taxes etc this will mean a higher spend to break even with the annual fee. Yes, you’re locked in to qantas flights only, but for that spend you’re also getting the 20% bonus status credits on these flights, 2 extra bonus qantas spend points, and almost automatic attainment of platinum status which then gives unlimited access to first class lounges etc etc.
Thank you for your comment and you do make some good points. Like you suggest, applicants for this card that are frequent Qantas flyers who predominantly pay for their fares on the card, and are looking to reach elite status with Qantas, then there are some good benefits.
However for most travellers who don’t fit into this category, then there are likely better options for them.
Well this is an awful card, at least for the price.
Pretty poor that for the price
the 20% Status Credit Bonus can not be used conccurently with the Double Status Credit offer.
FOREX Fees
Can’t buy stuff from Australia Post and earn points. (I’m not even reffering to bills)
Apparently the 10% off only applies to the base fare and not Taxes, Credit Card Surcharges etc.
QANTAS still will not waive CC fees for use of the card like JetStar does for its Jetstar Card.
If anyone of 1,2,4 or 5 where features, I would be seriosuly considering it but now with this slap in the face, I think I might even go further and cancel my Premier Platinum.
Another catch for those of us that already have a QANTAS Premier card is that the 150,000 bonus points are for new customers only. If you’re upgrading to the titanium card, these are not included. If you cancel your existing premier card you cannot apply for a new card for 6 months, so would still miss the promotion. I spoke to them about this today, suggesting that given it is a brand new “exclusive” card that was not available when loyal QANTAS customers applied for the first card that they should potentially revisit that clause. (which of course the won’t)
Thanks for providing this update for our readers. Your argument does have merit but as you right point out, if they don’t change their terms and conditions on this, upgrading customers will be ineligible for the bonus points.
This card also has $100 additional cardholder fee, so if you’re like me a give your partner a card too, that makes the total annual fee $1,300. I’ll be keeping my Amex Platinum Charge, but may consider this for a year. $1,200 for 150,000 points is 0.8 cents per point. Also noticed the overseas spend is only a flat 2 points, not 3.25 as stated in the article. The 3.25 points is for Qantas spend – 1.25 points + a bonus 2 points. That could be good if you spend a lot with Qantas but then the point cap is disappointing.
Even at a cent a point the 150,000 bonus pays for the card in the first year. And if your converting at 2-4 c.p.p. it’s a lock for people looking to top up points in the next 12 months.
What I’m questioning is regarding the 20% status bonus. Am I understanding correctly that if you book during a double status promotion, you will get the 20% but not the double or do you get the double, but miss the 20%?
This is a good question. The terms state that the Bonus Status Credits will not be earned in conjunction with other Status Credit promotions unless otherwise specified, therefore these bonus credits will only be doubled if the terms of any Double Status Credit “DSC” promotion specifically state that they are eligible. If the terms of the DSC specifically exclude or a silent on this point, then they will not be eligible.
Unless you’re loyal to Qantas, the benefits are not that appealing.
I’m surprised that with this annual fee, there is no unlimited lounge access and no hotel status. (as Amex does)
Well, I think Amex Charge Card is way better. (my thought)
There are some nice benefits to this card (points, invites, status boost), but the 10% discount does not work.
I’ve had this card twice in the past and for me it’s worth it (alongside other cards like Amex in parallel). However the concierge service is some white-labelled offering with a call center in The Philippines. They don’t seem to know much about the card offerings and don’t think that Qantaslink and other regional subsidiaries count for the “Qantas only” 10% discount. I have an upcoming international flight with regional connections and they said they’d have to get back to me, but thought only the international leg could be reimbursed (They can’t book multi-leg flights, you have to book it yourself and phone for a refund). I’ve pinged them again and they still said they’re thinking about it. I’ve since given up and cancelled the card before its anniversary. I might get it again in the future for the automatic benefits, but I don’t value the concierge or the 10% discount. I suspect claiming on the travel insurance would probably involve going through the concierge too, which would almost certainly be a whole lot of “computer says no”.
Agreed with most posters that the Amex charge is vastly superior; we’ve had ours for several years now, and the card pays for itself.
Amex even considers ‘household income’ (yours and your partner) to ascertain whether you meet their $100k p.a. income requirement (which many may not be aware of).
Do you know whether Qantas Money assess their income requirement as a household or for the primary applicant only, Daniel?
The monetary significance of 10% off Qantas flights for 2 ppl twice a year seems to be missed here. For the target audience cardholder, all one needs to spend is $12000 on flights (very easily achieved on business class especially if you’re booking for 2 people twice a year) to recoup the annual fee of $1200. The caveat is if this is only applicable to base fare and not taxes etc this will mean a higher spend to break even with the annual fee. Yes, you’re locked in to qantas flights only, but for that spend you’re also getting the 20% bonus status credits on these flights, 2 extra bonus qantas spend points, and almost automatic attainment of platinum status which then gives unlimited access to first class lounges etc etc.
Or am I missing something here?
Hi Timboz
Thank you for your comment and you do make some good points. Like you suggest, applicants for this card that are frequent Qantas flyers who predominantly pay for their fares on the card, and are looking to reach elite status with Qantas, then there are some good benefits.
However for most travellers who don’t fit into this category, then there are likely better options for them.
Well this is an awful card, at least for the price.
Pretty poor that for the price
the 20% Status Credit Bonus can not be used conccurently with the Double Status Credit offer.
FOREX Fees
Can’t buy stuff from Australia Post and earn points. (I’m not even reffering to bills)
Apparently the 10% off only applies to the base fare and not Taxes, Credit Card Surcharges etc.
QANTAS still will not waive CC fees for use of the card like JetStar does for its Jetstar Card.
If anyone of 1,2,4 or 5 where features, I would be seriosuly considering it but now with this slap in the face, I think I might even go further and cancel my Premier Platinum.
Another catch for those of us that already have a QANTAS Premier card is that the 150,000 bonus points are for new customers only. If you’re upgrading to the titanium card, these are not included. If you cancel your existing premier card you cannot apply for a new card for 6 months, so would still miss the promotion. I spoke to them about this today, suggesting that given it is a brand new “exclusive” card that was not available when loyal QANTAS customers applied for the first card that they should potentially revisit that clause. (which of course the won’t)
Hi Paul
Thanks for providing this update for our readers. Your argument does have merit but as you right point out, if they don’t change their terms and conditions on this, upgrading customers will be ineligible for the bonus points.
Does anyone realistically foresee Qantas offering double status credit promotions in the near future?
Get Amex Platinum this card is trash
This card also has $100 additional cardholder fee, so if you’re like me a give your partner a card too, that makes the total annual fee $1,300. I’ll be keeping my Amex Platinum Charge, but may consider this for a year. $1,200 for 150,000 points is 0.8 cents per point. Also noticed the overseas spend is only a flat 2 points, not 3.25 as stated in the article. The 3.25 points is for Qantas spend – 1.25 points + a bonus 2 points. That could be good if you spend a lot with Qantas but then the point cap is disappointing.
Even at a cent a point the 150,000 bonus pays for the card in the first year. And if your converting at 2-4 c.p.p. it’s a lock for people looking to top up points in the next 12 months.
What I’m questioning is regarding the 20% status bonus. Am I understanding correctly that if you book during a double status promotion, you will get the 20% but not the double or do you get the double, but miss the 20%?
Hi James
This is a good question. The terms state that the Bonus Status Credits will not be earned in conjunction with other Status Credit promotions unless otherwise specified, therefore these bonus credits will only be doubled if the terms of any Double Status Credit “DSC” promotion specifically state that they are eligible. If the terms of the DSC specifically exclude or a silent on this point, then they will not be eligible.
Unless you’re loyal to Qantas, the benefits are not that appealing.
I’m surprised that with this annual fee, there is no unlimited lounge access and no hotel status. (as Amex does)
Well, I think Amex Charge Card is way better. (my thought)
With a similar fee to the Amex Platinum and none of the benefits I can’t imagine that many people will get this card.