New cardholders of the Qantas Premier Everyday Mastercard who apply by 1 April 2024 will earn 2 bonus Qantas Points per $1 spent on top of the standard earn rates on eligible purchases within the first 4 months from card approval, up to a total of 8,000 bonus Points.
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.
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Premier credit cards on behalf of Qantas Airways Limited ABN 16 009 661 901. NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products.
The Qantas Premier Everyday Mastercard is the entry-level in Qantas’ Premier cards range, with a lower annual fee and minimum credit limit than the Qantas Premier Platinum Mastercard and Qantas Premier Titanium Mastercard.
Digging into the details
The Qantas Premier Everyday Mastercard account has an ongoing annual fee of $49 p.a. and earns 0.75 Qantas Points per dollar up to $3,000 per statement period, and 0.4 Qantas Points per dollar in excess of $3,000, uncapped.
The card also includes a complimentary travel insurance comparable to the Qantas Premier Platinum card, which is impressive for a low-fee card.
|Card||Qantas Premier Everyday Mastercard|
|Loyalty Program||Qantas Frequent Flyer|
|Points earned from spend||0.75 Qantas point per $1 up to $3,000 per statement period, then 0.4 Qantas Point per $ thereafter
1 Qantas Points per AU$1 on overseas spend
|Points earned with Qantas||1.75 Qantas Point per $1 spent|
|Points Cap||no cap|
|Earns points at ATO||no|
|Insurance included||Travel Insurances (PDS)|
|Overseas transaction fee||3%|
|Minimum Credit Limit||$4,000|
|Minimum Income||$35,000 p.a.|
|Mobile wallet||Apple Pay & Google Pay|
The card terms and conditions are here and the rewards terms and conditions are here.They explicitly state that eligible transactions do not include those from operating a business, or from government transactions, e.g. paying the ATO, council rates, and even Australia Post.
Similarities and differences to the Qantas Premier Platinum Card
The three variants of the Qantas Premier card are the very high-end Premier Titanium with a $1,200 annual fee, the Premier Platinum with a $299 annual fee and the Premier Everyday card with a $49 annual fee.
The key advantage of the higher end cards are the higher earn rates and point tiers – with 1.25 Qantas Points per $1 on all spend up to $12,500 with the Premier Titanium and 1 Qantas Point per $1 on all spend up to $10,000 per statement period on the Premier Platinum.
The Premier Everyday card, on the other hand, has a reduced earn rate of 0.75 Points per $1 and a lower tier of up to $3,000 per statement period – but also comes with a lower annual fee.
All three cards also earn additional Qantas points on Qantas spend and overseas purchases, plus a handful of additional Qantas-specific benefits for both the Premier Platinum and Titanium.
Qantas Money Apple Pay & Google Pay support
Summing up: the Qantas Premier Everyday Card
The Qantas Premier Everyday card earns fewer points per dollar compared to the more premium cards in the Qantas Premier credit card range but still offers useful benefits like the complimentary travel insurance, one that’s hard to find in other low-annual-fee cards in the market.
The card is definitely good enough against other low-fee points earning cards to get customers to consider switching away from their existing Qantas Points-earning credit cards – it just depends whether the $3,000 per statement period tier and the fact you can’t earn points on a range of government transactions will hamper your ability to earn more points for your particular spend habits.