The Qantas Premier Titanium Credit Card is currently offering 150,000 Qantas Points to new cardholders. You must spend $5,000 or more in the first 90 days to get the bonus points. An annual fee of $1,200 includes several perks that money can’t normally buy.

You will also receive a $400 Qantas Luxury Holiday voucher if you apply by 1 August 2024. This guide closely examines the card to determine whether it could work for you.

Who is the Qantas Titanium card geared towards?

This Card is a niche offering targeted to frequent buyers. With an annual fee of $1,200 and a minimum income eligibility of $200,000, this card is not for everyone. If you apply for this Card, make sure to give it a good daily workout to extract the most value.

Also, maximising the use of Qantas products and services where you can further maximise value.

The Premier Titanium card appears to target a demographic that would otherwise seek out the American Express Platinum Card. It should be no surprise that this card also sports a metallic look similar to the Amex Platinum.

To a lesser extent, it also competes with the Citi Prestige card.

The Qantas Premier range also includes the Qantas Premier Platinum and the Qantas Premier Everyday Mastercard. All cards are issued by NAB on behalf of Qantas Premier.

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 in administering the products.

Qantas Premier Titanium Mastercard details

Card Details

CardQantas Premier Titanium Mastercard
Loyalty ProgramQantas Frequent Flyer
Points earned from spend1.25 Qantas point per $1 spent on eligible domestic spend up to $12,500 (10,000 points) per statement period, then 0.5 Qantas Point per $1 thereafter

2 Qantas Points per $1 spent on international spend (uncapped)
Points earned with Qantas spend2 additional Qantas Point per $1 spent on eligible Qantas spend
Points Capno cap
Earns points at ATOno
Insurance includedTravel Insurances (T&Cs apply)
Overseas transaction fee3% of the transaction amount
Minimum Income$200,000 p.a.
Mobile walletApple Pay & Google Pay
Annual fee$1,200 p.a.

Earn Rates

The card earns at the following rates:

Per statement periodQantas Points/$
up to $12,5001.25 Points
above $12,5000.5 Points

There’s also an additional 2 bonus Points per dollar for spending on Qantas products and services. This includes flights booked through and Qantas Club membership. There is also a higher earn rate of 2 Qantas Points per dollar for overseas purchases.

The earn rate per dollar spent up to $12,500 per statement period is the most competitive in the market. And the earning cap per statement period is reasonable. But it’s a shame that above $12,500, the earn rate significantly drops to just 0.5 Points per dollar spending.

Therefore, this card is best suited to those looking to spend near the $12,500 threshold limit per statement period.

There are a few things to consider here:

  • The Qantas Premier Titanium Credit Card is a Mastercard, meaning that it is currently accepted in more locations than Amex
  • However, the Qantas Premier Titanium Credit Card is also a direct-earn card. Therefore, your points are funnelled to your Qantas Frequent Flyer account automatically at the end of each statement period. As such, you are ineligible to participate in bonus promotions for manually transferring your reward points to Qantas. Such promotions are possible with the American Express Rewards Cards.

Please note the card terms and conditions and the rewards terms and conditions.

Also, note the definition of an Eligible Transaction. The definition does not include transactions from operating a business or from government transactions, including paying the ATO. The full definition can be found in the Qantas Premier Credit Card Rewards Terms and Conditions.

Bonus Status Credits

The card also earns an additional 20% Status Credits on all eligible Qantas flights.

Note the following conditions regarding the bonus status credits:

  • Bonus Status Credits are only earned on Qantas-operated and marketed flights. These flights must be booked using the Qantas Premier Titanium Credit Card
  • The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership. Nor can a Platinum One member use the status credits to retain the Platinum One membership status.
  • Bonus Status Credits will not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, Platinum One Member additional benefits. And they will not be earned in conjunction with other Status Credit promotions unless otherwise specified.

There are five membership tiers in Qantas Frequent Flyer, from lowest to highest:

The ability to earn bonus Status Credit from the Card can help you qualify for elite status:

StatusWithout Qantas
Titanium card
With Qantas
Titanium card
Platinum One36003600

And here are the numbers you need to maintain your status:

StatusWithout Qantas
Titanium card
With Qantas
Titanium card
Platinum One36003600

Getting 20% status bonus may at first not seem so large. But the table above shows how it can be the difference between reaching the next status tier or not.

Make sure to read the Point Hacks beginner’s guide to Qantas Frequent Flyer Status and benefits.

Lounge Access

The Card does not offer any complimentary lounge access. This is disappointing because the card’s annual fee is well into the four figures.

However, the Card does come with two Qantas First lounge passes. This is welcome, as it’s the only card in the market to do so. A further two Qantas Club or International Business Class lounge passes are offered. Therefore a total of 4 digital lounge passes are provided every year.

First Class lounge access

You can access Qantas’ First Class lounges twice per year. Therefore, you can enjoy the comfort of Qantas’ premier lounges in Sydney and the newer version of it in Melbourne. And you don’t have to be flying First Class!

Qantas First Class Lounge Sydney
Qantas First Class Lounge Sydney

Other Qantas lounge access

The Card gives you two single-entry complimentary lounge Invitations each year on your card anniversary. These lounge invitations can be used at domestic Qantas Club lounges or Qantas-operated International Business Lounges. But does exclude the Los Angeles Tom Bradley Terminal International Business Lounge.

You can view and transfer your invitations to any other Qantas member on the Qantas Complimentary Lounge Invitations page.

Qantas International Business Class Lounge Sydney seating
Qantas Sydney International Business Lounge

Qantas domestic and international fare discount

The Qantas Premier Titanium gives you a 10% discount on eligible Qantas flights booked through the Qantas Premier Titanium concierge. This covers all domestic and international fare classes for up to two bookings per year for two people.


  • Flights must be booked via the Qantas Premier Titanium Concierge
  • Flights must be paid for with your Qantas Premier Titanium card
  • Offer is available for any fare or cabin class
  • Cannot be combined with other offers
  • Limited to two times per year, for two people

Find out more about this feature here: Qantas Premier Titanium features and benefits

Qantas Money Apple Pay & Google Pay support

Qantas Money cards now support Apple Pay & Google Pay, meaning you can now use their cards on your compatible device for easier payments.

Summing Up

The Qantas Premier Titanium Credit Card is definitely a unique proposition in the market. It definitely offers Qantas benefits not seen in other cards. For this reason, the Card is likely to be quite well regarded by frequent flyers solely dedicated to Qantas. The 20% status bonus on flights will especially be beneficial for these flyers, providing a shortcut to elite tier status.

With an annual fee of $1,200 per year, however, you need to ensure that you are specifically loyal to Qantas. Otherwise, you may not maximise the Card’s benefits. If you like to spread your travel around multiple airlines, this Card may not be for you. But if Qantas is your go-to airline and you are a genuine frequent flyer, then plenty of benefits can be gained by having this card in your wallet.

150,000 Qantas Points, $400 Qantas Luxury Holiday voucher and 2 Qantas First Class Lounge Invitations with the Qantas Premier Titanium Credit Card was last modified: May 20th, 2024 by Daniel Sciberras