The Qantas Discovery American Express is a great value entry level Qantas card, with no annual fee. It offers an earn rate of 1 Qantas Point per $ with few other benefits, but that's to be expected for a no fee credit card.
- 1 Qantas Point per dollar earned everywhere except Government spend and the ATO, 2 Qantas Points earned with Qantas flights / other travel
- 0% p.a. on balance transfers for the first 12 months
- A one-off credit plan establishment fee of 1% applies for balance transfer - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
- $0 p.a. annual fee
- Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
Point Hacks receive a maximum of $120 per applicant for this card. More about this →
The Qantas Discovery American Express card is a value-led product with no annual fee. This card may be good for those who want to earn Qantas Points at a good rate, with no ongoing yearly fees.
American Express recently removed the sign up bonus on offer for this card.
|Card||Qantas Discovery American Express|
|Loyalty program||Qantas Frequent Flyer|
|Points earned from spend||2 points per $ spent with Qantas,
1 point per $ spent elsewhere
0.5 point per $ on government spend and the ATO
|Overseas transaction fee||3% of the converted amount|
Digging into the benefits of the Qantas Discovery American Express credit card benefits
Being blunt, there’s not much to ‘dig into’ here! The Qantas Discovery American Express is a simple card with few benefits.
With no annual fee you’ll get the ability to earn Qantas Points at a decent rate, including 2 points per dollar spent with Qantas, and 1 point per dollar spent elsewhere – the recently announced earn rate changes across all Qantas American Express cards has reduced the earn rate for ATO and other government transactions to 0.5 points per $, which is similar to more expensive American Express cards.
There are no other benefits to the card, as you’d expect, given you’re getting it with no annual fee.
Considering this card for Business-related transactions?
American Express offer a range of both business and consumer charge and credit cards. They do permit business transactions to be made on personal cards, unlike some other banks, but you might find some of the other business-focused benefits of the business cards to be appealing or more appropriate.
So – if you’re a sole trader or a business looking to earn points with your business spend – this card would still work for that purpose.
There’s a full list of business and personal consumer American Express cards which might be suitable for earning points from business-related transactions here.
Summary – Qantas Discovery American Express card
The Qantas Discovery card may be a handy product for those who have an aversion to paying annual fees – getting a 1 point per dollar earn rate on this card is pretty good, plus the bonus points for any spend on Qantas flights and travel.
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