Qantas American Express Discovery Card
Pros & cons
What's good
- $0 annual fee
- Complimentary purchase and refund protection
- Earn 0.75 Qantas Points per $1 spent and 0.5 points per $1 with government bodies in Australia
Worth noting
- High 23.99% p.a. interest rate on purchases
- Charges a 3.5% foreign transaction fee
- Only offers up to 44 days interest-free on purchases, as compared to other cards that offer 55 days
Card details
The basics
- Additional cardholders
- 1 ($0 p.a.)
- Card setup
- Single card
- Card tier
- Standard
- Card type
- American Express
- Card use
- Personal
- Credit limit
- $2,000 – $100,000
- Credit rating
- Good
- Rewards program
- Qantas Frequent Flyer
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Repayments
- Interest charged from
- Purchase date
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2.5% of the closing balance or $30, whichever is greater
Balance transfers
This card doesn't currently offer a promotional balance transfer rate.
Rates & fees
Ongoing interest rates
- Cash advances
- 23.99% p.a.
- Purchases
- 23.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- —
- Foreign transaction fee
- 3.5%
- Late payment fee
- $30
Rewards
Earn rate
- Everyday spend
- 0.75 pt per $1 spent
- Points cap (monthly)
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
How this card stacks up
Calculated estimates that show where this card sits against the 227 cards in our database.
Personalise these estimates
No annual fee — that puts it among the third of cards in our database that cost nothing to hold.
Lower than 93% of cards we list — that's a high rate.
Carrying $5,000 at 23.99% p.a. costs roughly this much in interest each month.
Assumes the full balance is carried with no interest-free days applied.
Total annual fees across three years, so a promotional first year doesn't flatter the headline figure.
Days you can avoid interest by paying in full — below average for the market.
That's below average for Standard cards — a fairer comparison than measuring it against $0 cards in other tiers.
A combined read on annual, foreign, cash-advance and late fees across all the ways a card can cost you.
Where this card ranks among rewards cards for earn rate.
Where this card ranks among frequent flyer cards for earn rate.
Where this card ranks among no annual fee cards for annual fee.
Calculated metrics are estimates based on assumed spending patterns and point valuations and should not be taken as financial advice. Point values used: Qantas/Star Alliance 1.2c, Velocity 1.0c, all other programs 0.5–0.8c per point. Percentile rankings are based on 227 cards in the CreditCardCompare.com.au database as at June 2026. Seek independent financial advice before applying for any credit product.
User reviews
Based on 0 reviews
How it compares
| Card | Purchase rate | Annual fee | Rewards |
|---|---|---|---|
| Qantas American Express Discovery Card (this card) | 23.99% p.a. | No annual fee | 0.75 pt per $1 spent |
| Kogan Money Credit Card - Balance Transfer Exclusive Offer | 21.99% p.a. | No annual fee | 1 pt per $1 spent |
| Qantas Money Platinum | 20.99% p.a. | $349 p.a. | 1 pt per $1 spent |
| Latitude 28° Global Platinum Mastercard | 28.99% p.a. | No annual fee | — |
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