The Qantas Money Platinum card offers 60,000 bonus Qantas Points* for new cardholders who spend $5,000 or more on eligible purchases within 3 months from card approval. The Card has a discounted first-year annual fee of $349 ($399 p.a. ongoing) and includes 2 single-entry complimentary lounge invitations.
Pocket an additional 40,000 bonus Qantas Points if you have not earned Qantas Points with a credit or charge card into your Qantas Frequent Flyer account within the last 24 months.
Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months.
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.
The Qantas Money range also includes the low annual fee Qantas Money Everyday card, and the higher-end Qantas Money Titanium. All cards are issued by NAB.
Qantas Money Platinum card
Card Details
| Card | Qantas Money Platinum Card |
| Loyalty Program | Qantas Frequent Flyer |
| Points earned from spend | Up to 2 Qantas Point per $1 spent on eligible Qantas spend 1.5 Qantas Points per AU$1 spent on international spend 1 Qantas point per $1 spent on eligible domestic spend |
| Points Cap | Up to $10,000 per statement period, then 0.5 Point per $1 |
| Earns points at ATO | no |
| Insurance included | Travel Insurances (T&Cs apply) |
| Overseas transaction fee | 3% of the transaction amount |
| Minimum Credit Limit | $6,000 |
| Minimum Income | $35,000 p.a. |
| Annual fee | $399 p.a. ongoing |
The Qantas Money Platinum card focuses on maximising your points earn from day-to-day spending. You earn 1 Qantas Point per $1 up to $10,000 per statement period and 0.5 Qantas Points per dollar thereafter. You can also earn an additional bonus point when spending on Qantas products and services. These include Qantas-operated flights with a QF Flight number, Qantas Club membership, and a half-point bonus for overseas purchases.
Make sure to read the Card Terms and Conditions and the Reward Terms and Conditions. Particularly note the definition of Eligible Transaction. These include transactions from operating a business, or from government transactions. Examples include paying the ATO, council rates, and even Australia Post.
Qantas-specific benefits of Qantas Money Platinum card
The following benefits are available outside of Qantas Points earned from spend:
- Get up to 20% off selected domestic flights for you and up to 8 friends once per Anniversary Year when you book with your card via the booking portal on your Qantas Money account
- Two single-entry Qantas Club Domestic or select Qantas-operated International Business Lounge Invitations each cardholder anniversary year
- Complimentary domestic and international Travel Insurance
Discounted Companion Fares
Cardholders can take advantage of Discounted Companion Fares. You can take up to eight passengers at a discounted rate on selected Qantas domestic companion flights. You must make your booking with your Qantas Money Platinum card via the booking portal on your Qantas Money account.
As such, you will receive a 10% discount on red e-deal, 15% on Flexible Economy and 20% on Business fares.
Note that the discount is only applicable to the base fare, not the total fare including taxes. In addition, the terms state that:
Companion Fare Benefit discounts are not available on all fare classes and in some instances, there may be sale fares available to the general public that are cheaper than the fares offered under the Companion Fare Benefit.
Therefore, the deepest discount fares may not be matched by what you can earn from the companion fare discount either.
Discounted Companion Fares are only usable once a year and can’t be reinstated in case of a cancelled booking. Also, the Primary Card Member must be travelling on the booking.
Overall, this benefit is most useful for families booking in peak periods. Red e-Deal fares may not be available and you are unlikely to be able to cancel.
Qantas Lounge Invitations
Enjoy two Qantas Complimentary Lounge Invitations each year on your card anniversary. These Invitations can be used at domestic Qantas Club and Qantas-operated International Business Lounges. Note that the Los Angeles Lounge at Tom Bradley Terminal International Terminal is excluded.
Qantas Club Invitations are digital and can be viewed via your Qantas Frequent Flyer account.
Qantas Money credit cards Apple Pay & Google Pay support
Qantas Money credit cards now support Apple Pay & Google Pay, meaning you can now use their cards on your compatible device for easier payments.
Want to know what other travellers think of this card?
Frequently asked questions
The Qantas Money Credit Card Concierge is a service that can provide assistance to primary Qantas Money cardholders for travel, entertainment, lifestyle and shopping tasks. This includes restaurant reservations or sourcing tickets to events. There is no extra charge for this service. Call the Qantas Money Concierge on 1300 992 700 anytime: 24 hours a day, 7 days a week.
You can pay your Qantas Money Credit Card through BPay (Biller Code: 266536 and your card number as the reference), or direct debit an amount of your choosing from your bank account through Easi-Pay.
Alternatively, take your Qantas Money Credit Card to any Australia Post office displaying the Bank@Post symbol, together with your EFTPOS or cash payment. More information here.
Summing up: the Qantas Money Platinum card
The Qantas Money Platinum Card is a solid option for earning Qantas Points from your spending, with no points cap. You’ll need to factor in the restrictions mentioned above on government transactions though.
Make sure you understand all the terms and conditions for the Discounted Companion Fares to make the most of this benefit.
The extra 0.5 Qantas Points per dollar earned on international transactions helps when using your card on international spending. But while you’ll pick up an extra 0.5 Qantas Points per dollar vs domestic spending, you’ll pay an equivalent additional fee of 6c per point (0.5 points per dollar with the 3% additional fee for international transactions).
You should consider the Qantas Money Platinum card if you are looking for a direct Qantas-earning card. Especially if you do spend with Qantas frequently.
Frequently Asked Questions
● How do I get 100,000 Qantas Points with the Qantas Money Platinum card?
To earn the full 100,000 bonus Qantas Points, new cardholders must spend $5,000 on eligible purchases within 90 days to receive 60,000 points. You’ll receive an extra 40,000 points if you haven’t earned Qantas Points from any credit or charge card in the past 24 months. Eligibility criteria and T&Cs apply.
● What are the benefits of the Qantas Money Platinum credit card?
The Qantas Money Platinum card offers up to 100,000 bonus Qantas Points, two Qantas lounge passes each year, discounted companion fares, and complimentary international travel insurance. You can also earn up to 1.5 Qantas Points per $1 on overseas spend, and 1 additional point per $1 on eligible Qantas purchases.
● Am I eligible for the Qantas Money Platinum bonus points if I’ve held a Qantas card before?
You’re ineligible for the bonus points offer if you currently hold or have held a Qantas Money Everyday, Platinum, or Titanium card—or received bonus Qantas Points from one—within the last 24 months.
● Does the Qantas Money Platinum card offer lounge access?
Yes, cardholders receive two complimentary single-entry lounge invitations each cardholder anniversary year. These can be used at Qantas Club lounges and Qantas-operated International Business Lounges, excluding select locations like Los Angeles.
Terms and conditions
* Bonus Points
Offer commenced 8 September 2025. To be eligible for up to 100,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Card before the offer is withdrawn. 60,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 60,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. The account needs to be in good standing (for example – your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
It’s a bin fire
Apologies if this has already been answered, do I get the 80k in points if I haven’t held this particular card only in the last 12 months? Or if I’ve held any Qantas Credit Card?
Thanks
Applied sent all paperwork off and we kept getting calls for more and more paperwork.
I had sent heaps off only to be asked each day for more and a credit card statement
Not good
If I currently have the Amex Platinum Charge card, am I still eligible for the 30k bonus Qantas points on top of the 70k points?
Thank you
Do you confirm that this card does not offer outright Platinum status?
https://support.qantasmoney.com/change-my-product/what-will-happen-to-the-annual-fees-when-my-product-change-is-approved
“The annual fee on your current credit card will be prorated from the time of card approval and refunded back to that card. The fee for your new credit card will be applied, and prorated, based on your original card approval date.”
1. How much do you need to put through the credit card on a monthly basis to make up enough points to break even?
2. I am doing a home renovation so was thinking it is the perfect time to get some points for this period. Is this a good idea
You will be ineligible to take up this offer if you currently hold, or have held a Qantas Premier Mastercard in the previous 12 months.
I have had a citibank credit card in the last 12 month and if this card is issued by citibank do i still qualify for the bonus QF points thank
– Connect my card account to budget apps for real-time management.
– There’s no Google/Apple Pay.
– Exports are only in CSV.
– Can’t pre-schedule BPAY.
I’ll give it a year to see if the perks outweigh the annoyances.
they said nope i have to pay 299 and im not eligible for the 75 credits either.
they wouldn’t budge so i’ve made a complaint to AFCA
Will the 75 bonus status credits carry over to my next membership year if I qualify for Point Club Plus?
Thanks,
Joe
A maximum of 100 Status Credits will roll over to Points Club Plus members’ next Membership Year. Status Credits that are rolled over will contribute to attaining or retaining a member’s tier status, except for attaining or retaining Platinum One status. There is no mention of status credits needing to be earned from any specific activity.
I have recently gotten the Citi Qantas Premier credit card.
Does that rule me out of the points bonuses associated with this?
Thanks for all of this info!
Ash
You are still eligible for the bonus points on this card, as they are different providers (Citi Qantas Premier is Citi and Qantas Premier Platinum is Qantas Money). Both cards are administered by Citi though, so they will know that you have just recently applied for the Citi Qantas Premier card as well. Make sure to keep that in mind when applying, and you may wish to space out applications (ie at least 3 months between them).
Anyway I have a question: this card gives 20K bonus points every month after $1.5K eligible monthly spend; last three months I got 20K points each and this month (moment ago) I got 25K points. I am not complaining, just wondering if this is changed and I will get 25K next month 🙂
Some direct debit I’m assuming is allowed ( gym membership etc)?
I’m also assuming that gift cards are not classed as cash advance?
But no bpay limits your ability to ‘forward pay’ on bills.
Any other suggestions? Otherwise it’s a high monthly consistent spend which may be irresponsible for some who don’t spend $1500 each month on what appears to be groceries and shopping.
As you have pointed out, one of the best ways to meet the minimum spend criteria is to ‘forward pay’ your bills, however, nearly all utility, telecommunication, private health and other service providers will provide other payment options in addition to bpay, such as entering your credit card details directly into their payment page on their site, or using PayPal.
If neither of these options is available with your providers, you could look at making forward payments using third party providers such as B2BPay or RewardPay, however, these options come with an added fee.
Would you be able to clarify regarding whether the purchase of gift cards counts as eligible spend? I’ve read that this may not count.
Unfortunately, gift cards will not count as eligible spend.
1. If I apply for the card, is he able to use it too? or does he need to apply for his own?.
2. Am I able to use the card to pay my general home bills (water, glass electricity, rates)
3. Can the outstanding balance be payed by BPAY at home? or do you need to go to the post office.
4. Im unclear how would be the best way to early the frequent flyer points (where do you need to shop to ear these points)
Thanks for your questions. I hope this helps.
You can elect to have your partner be an additional cardholder, which costs an extra $50 per year. All charges placed on this additional card will go on to your account, and you being responsible for them. He can also use your own card as well if you’re happy to provide him with your PIN details. But once again, you will be responsible for these charges
Yes, all these expenses can be paid using the card.
Yes, you can use your online banking to pay your credit card using BPay.
Please take a look at the following page to determine the number of Qantas Points you can earn based on the different type of spend. https://www.qantasmoney.com/credit-cards/premier-platinum#earning-qantas-points.
It does not appear that any of the above three payment options are offered for this card. Please refer to the following:
https://www.apple.com/au/apple-pay/banks/au/en-au.html
https://support.google.com/pay/answer/7351634
https://www.samsung.com/au/apps/samsungpay/banking-partners/
From this list, it appears that they mention the specific card if it is available, and not just the blanket provider, as many people don’t know for example that the Qantas Premier Platinum is issued by Citi.
Having had this card and not been advised of this functionality, I am quite sure that it is not available, however, to be safe though, why not give Qantas Money a call and get this confirmed from them?
So does anyone knows calendar or statement month ?
I can confirm that it is based on statement month and not calendar month. So for each month, you will have c.30 days to meet the minimum spend requirement.
It is best to contact Qantas Money, explain the situation to them, and confirm that you will earn 20,000 points for 6 months rather than just 5, as your first statement should not have preceded receiving your card.
But the admin around card issuance is shambolic. It’s done by Citibank and they are inept.
Approved, but 2 weeks later my card hadn’t turned up. Wife’s card arrived in 2 days.
Called and they are “having problems with sending cards”. WTF? You’re a cc company.
They reissued a new card for me. Two weeks later that still hasn’t turned up.
But the (now cancelled) first card did arrive. Five calls to Citi support so far.
Lesson – Citibank CC admin is either profoundly inept or overwhelmed. Or both.
Don’t expect to get this card quickly,
The overseas transaction fee amount is 3% of the transaction amount.
how about power bills, as you normally have a bpay section where you would pay this, or is there another way.
Like many cards, the ability to earn points from government spend is generally not available, however for the purposes of meeting the minimum spend requirement, these will count. In fact, Qantas Money has defined eligible spend as being any purchases that “do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions”.
Both you and your husband can separately apply for this card, and if you are approved, you will be eligible for double the bonus points as long as you both meet the minimum spend criteria.
In regards to insurance cover for pre-existing conditions, we recommend calling Qantas Money directly about this and make sure to get any confirmation of cover from them in writing.
I just rang Citibank to check if I was eligible but not sure if they told me the correct information as she was a bit vague. They advised that this $120k QF pts promotion is for “new to bank” customers only.
I closed a Premier Qantas card last November, but currently have a Citi rewards card.
I’m happy to apply via your link if you can confirm if I would be eligible.
Thanks!
Qantas Money (administered through Citibank) advised Point Hacks that you are only ineligible for this promotion if you currently hold this card, or closed it within the last 6 months. I would contact them again to re-check this.
Excellent credit score, self-employed medical professional with 250k-300k pa income.
No other credit cards.
No applications within the last 12 months.
No dependents or debts.
A bit puzzled to say the least.
Cover is activated and effective when You pay a minimum of
$500 and/or pay the full amount of the return overseas travel
ticket by charging the payment to your Qantas Premier Credit
Card or by redeeming Qantas points earned on the Qantas
Premier Credit Card.
Yes that’s right. For your current trip, you are not covered if you used a different credit card.
In the future, if you pay for a return overseas trip less than $500 fully on the card, or at least $500 worth for trips in excess of $500, then you will be covered.
Thanks, Nik
One minor annoyance about its complimentary insurance – despite it having “global hire car excess waiver cover”, the fine print reads “You must take up all comprehensive motor insurance offered by the Car Rental Company, whether discretionary or mandatory” – which essentially renders this excess waiver cover useless.
American Express does count insurance payments as eligible spend.
You can request your Qantas Club passes at anytime during your card year. They are then valid for 12 months from the date of request.
The terms and conditions actually don’t state an exclusion period, so technically, you should be eligible for the bonus so long as you do not hold the Qantas Premier Platinum Mastercard.
However, there have been reports that there is a non-stated exclusion period of 6 months, meaning that if you have held this card within this timeframe, you may not be eligible. To be safe, I would contact Qantas Money to determine your eligibility.
Thanks for your reply. I managed to find the chubb dedicated Q premier line (Q initiatelly gave me the wrong Chubb number – on the pds – so they should know it). personally I don’t consider hiking – walking on trails (am not doing everest) – a ‘special sport’. And why not list all the common sports that are excluded on the pds – the implication by not listing is that it is included? and there is no option to pay an additional premium.
The point of insurance is peace of mind – you hope that you don’t have to use it but you want to make sure it covers you for what you want to do. My point is, I don’t see this insurance as particularly useful compared to what you can get with other premium cards.
Sorry to hear that you have had a negative experience so far regarding this card’s insurance.
I would suggest trying to call Chubb back again as they would be handling any claims and therefore you would be going directly to the source. However, it is common for many insurances to exclude special sports such as hiking, but provide an option to charge an additional premium to get cover.