Point Hacks Credit Card Guide

American Qantas Discovery Guide

The Qantas American Express Discovery Card is a value-led product with no annual fee.

Who’s the Qantas American Express Discovery Card for?

This card will likely suit those:

  • who frequently travel on Qantas or Jetstar
  • who are averse to cards with high annual fees and are looking for a no or low annual fee card that still earns Qantas points
  • who may not meet the income threshold for premium Qantas earning credit cards
  • where the higher cost of a premium Qantas credit card outweighs the benefit of the card’s additional features, due to your income or spending being too low to either use these features or obtain maximum value from them
  • those who want to start earning Qantas points from their credit card spend with little risk.

Card Details

CardQantas Discovery American Express
Loyalty programQantas Frequent Flyer
Points earned from spend2 points per $ spent with Qantas,
1 point per $ spent elsewhere
0.5 point per $ on government spend and the ATO
Points CapNone
Overseas transaction fee3% of the converted amount
Minimum income$35,000 p.a.
Annual fee$0

Digging into the benefits of the Qantas American Express Discovery Card benefits

Being blunt, there’s not much to ‘dig into’ here! The Qantas American Express Discovery Card 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, 1 point per dollar spent elsewhere with the exception ATO and other government transactions, which earn 0.5 points per $, which is similar to more expensive American Express cards.

The card is also eligible for Amex Offers, which provide American Express cardholders with rotating promotions and discounts for a variety of products and services, as well as the Local Champion game, where cardholders use the Amex app to earn additional bonus point per $ spent at retailers where they shop the most.

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.

American Qantas Discovery Guide was last modified: November 13th, 2018 by Keith

American Express Apple Pay & Android Pay support

American Express cards support both Apple Pay & Android Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

American Qantas Discovery Guide was last modified: November 13th, 2018 by Keith

Summary – Qantas American Express Discovery Card

The Qantas American Express Discovery Card may be a handy product for those who have an aversion to paying annual fees – getting an earn rate of 1 Qantas point per dollar on this card is pretty good, plus the bonus points for any spend on Qantas flights and travel

American Qantas Discovery Guide was last modified: November 13th, 2018 by Keith

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Comments

  1. Dee

    Does this card earn the Amex membership points in addition to Qantas points? Or does it earn Qantas points instead of the Amex ones? I couldn’t see any clear cut answer to this on their website.

  2. Sam Yates

    Note also that the card does include modest purchase protection (Theft/damage for 90 days – $2500 per item, $10000 per year) and refund cover ($500 per item, $2000 per year)

  3. M R

    There is a recent change and the 1 point per dollar will not continue. I think it is reverting to 0.5 point per dollar spent in line with other Amex.

  4. Sophie Scott

    I’ve been using this card for a number of years, and extremely happy with it. It also have great “Offers” in the app that come up from time to time. Also the Shop Small initiative offers amazing value for money with $10 back from every $20 spend with local retailers during the offer periods (just before Christmas is always handy)!

  5. Sean

    Im pretty new to all this but keen to find out more.. My question is just about the interest rate p.a on purchases on this card which is at 20.74% p.a. Whats your advice on making sure this interest doesn’t sneak up and bite you in the ass? Or is it pretty safe? From what i have heard the interest is what can get people in a bit of strife, if that makes sense.

    • Keith Author

      Absolutely, the interest rate is high. The key thing to avoid paying any interest to pay off the full statement amount on the bill – keep an eye on your spending, make sure you have the cash to pay the bill put aside, and then pay it early or on time.

      Also avoid using the card if you are also planning on putting a balance transfer on it if there is a balance transfer offer running – you’ll pay lower interest on the BT, but full interest on purchases until the BT is paid off. Definitely avoid that.

  6. Shaun

    There’s a condition there that says you are not eligible if you have another “American Express” product. Does that include bank issued credit cards that come with an American Express as well?

    • Keith Author

      No, those are excluded, so you’d be eligible if you have a bank-issued Amex but not one from Amex directly.. Really must write a post on that, one of the most commonly asked questions!

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