Qantas American Express Ultimate Card

Complimentary Travel Insurance
Up to 4 Additional Cardholders for no extra fee

Compare all American Express Qantas Points earning credit cards

$450 Qantas Travel Credit^

Key features
Bonus points	Up to 100,000 PTS Exclusive Qantas Offer: Earn 80,000 bonus Qantas Points when you apply online by 30 October 2025, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. Plus, an additional 20,000 bonus Qantas Points when you spend min. $1 on your Card within 90 days of paying your second year annual Card fee. T&Cs apply. New Amex Card Members only^*
Earn rate	Up to 1.25 PTS per $1 spent
Points tiering	1.25 Qantas Points per $1 spent on everyday purchases˜ 2.25 Qantas Points per $1 spent on Qantas Products and services 0.5 Qantas Points per $1 spent on government bodies in Australia˜ After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent*
Points capping	Uncapped Qantas Points earning potential
Estimated Qantas Points	190,000 PTS over 2 years based on a monthly spend of $3,000
Annual fee	$450
Terms & Conditions

Card features
Interest rate	23.99% p.a. on eligible purchases
Interest free period	Up to 44 days interest free period
Balance transfer	N/A
Lounge invitations	2 Complimentary Qantas Club Lounge Invitations⁺ 2 Centurion Lounge® passes in Australia^±
Travel benefits	Annual $450 Qantas Travel Credit^{^} Complimentary Domestic and International Travel Insurance when you pay for an eligible return trip with your Card.^‡ Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits)
International fees	3% international transaction fee^Ω
Additional cardholders	Up to 4 Additional Cardholders $0 annual fee^`
Other benefits	Complimentary Qantas Wine Premium membership˜˜ Plan It Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments with no interest. A fixed monthly fee applies^{^^}

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions. Qantas Points are earned on eligible purchases through the relevant card partner and card partner reward program.

Products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).

The information provided is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described. We recommend that you obtain independent advice before you apply for any product. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided.

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