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||Qantas Discovery American Express|
|Loyalty program||Qantas Frequent Flyer|
|Points earned from spend||0.75 points per $1 spent on eligible purchases|
1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia
0.5 Qantas Points per $1 spent at government bodies in Australia
Until 14 April 2019, earn an additional 0.25 Qantas Points per $1 spent on purchases, except for spend at government bodies in Australia
|Overseas transaction fee||3% of the converted amount|
|Minimum income||$35,000 p.a.|
Note that American Express is adjusting both earn rates and points transfer rates for most cards effective 15 April 2019. Here is our take on the changes and further information from American Express.
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 1.75 points per dollar spent with Qantas, 0.75 point per dollar spent elsewhere with the exception of 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 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.
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 0.75 Qantas point per dollar on this card is decent, plus the bonus points for any spend on Qantas flights and travel.
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