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Key Information
Card Type
Credit Card
Annual Fee
$450 p.a.
Interest Rate
23.99% p.a.2
Interest Free Period
Up to 44 days3

How You Earn Qantas Points

2.25

QANTAS POINTS

on eligible Qantas products and services4

per $1 spent

1.25

QANTAS POINTS

on everyday purchases, except spend at government bodies in Australia where you’ll get 0.5 Qantas Points17

per $1 spent

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.17

Key Benefits

$450 Annual Qantas Travel Credit

Receive a $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year when booked through American Express Travel6

Airport Lounge Access

Enjoy two Qantas Club Complimentary Lounge Invitations each year7 after your first Card spend on selected Qantas products and services. T&Cs apply.

Additional Cards at no extra cost

Earn more Qantas Points with up to 4 Additional Cards for family members or friends, at no extra fee8

All Benefits

Outstanding Qantas Points earning potential

  • Enjoy uncapped Qantas Points earning potential for every dollar you spend on your Card.9
  • Earn points faster by adding up to 4 Additional Cards to your Account for family or friends, at no extra fee. All points earnt will be credited to your Account8

See where your points can take you

Points will be transferred to your Qantas Frequent Flyer account each month and can be redeemed for Classic Flight Rewards10 such as:

  • Fly Sydney to Los Angeles Economy return for 1 person from 96,400 Qantas Points plus AUD $378 taxes, fees and carrier charges.
  • Fly Sydney to Brisbane Economy return for 4 people from 73,600 Qantas Points plus AUD $488 taxes, fees and carrier charges.
  • Fly Gold Coast to Auckland Business one way for 1 person from 43,600 Qantas Points plus AUD $153 taxes, fees and carrier charges

    Qantas Points required and taxes, fees and carrier charges displayed are accurate as at 01/07/2026 and are subject to change. Classic Flight Rewards availability is limited. For more information, visit Classic Flight Rewards.

Exclusive Qantas Benefits

  • Complimentary Qantas Wine Premium Membership11.
  • Earn 3 points per dollar spent on all Qantas Wine purchases11.
  • Complimentary Qantas Wine delivery within Australia (exclusions apply)12

$450 Qantas Travel Credit each year

Enjoy a $450 Qantas Travel Credit each Membership year to use on eligible domestic and international Qantas flights when you make a booking of $450 or more with American Express Travel.6 Learn more about the Qantas Travel Credit here

    Airport Lounge Access

    Relax before your next trip thanks to airport lounge access. You'll enjoy two Qantas Club Complimentary Lounge Invitations each year7 after your first Card spend on selected Qantas products and services. T&Cs apply.

      Complimentary Travel Insurance

      Travel with domestic and international insurance13 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:

      - Medical emergency expenses
      - Public transport accident up to $400,000
      - Trip cancellation and amendment up to $12,500
      - Loss or damage to baggage, money or documents up to $10,000
      - Travel inconvenience if your flight is delayed
      - A range of cover for COVID-19

      Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.

      Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).

        Shop with confidence

        Use your Card with confidence knowing you’re protected by the world-class service and protection of American Express with these great benefits:

        • Card Purchase Cover13, covering eligible items purchased with your Card
        • Card Refund Cover13, covering the cost of eligible items when a store refuses a return
        • Fraud Protection Guarantee14, protecting you from unauthorised charges made on your Account
        • Emergency Card replacement15, for lost or stolen Cards to virtually anywhere in the world
        • Plan It™ Instalments16 is a new feature of your Card that offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.
        • Compatibility with Apple Pay, Samsung Pay and Google Pay, helping you check-out faster

        Eligibility

        To apply for The Qantas American Express Ultimate Credit Card you need to:

        • Be aged 18 years or over
        • Be an Australian citizen, permanent resident or hold a long term visa
        • Have a good credit history and no payment defaults

        Documentation

        Documents and information to have ready:

        • Australian Driver's License number (if you have one)
        • Details of your income, expenses, and debts
        • Proof of income (e.g, payslips)


        Please click here to read the Key Facts Sheet for this Credit Card.

        Qantas Ultimate Card FAQs
        Does the Qantas Amex Ultimate Card give access to Airport Lounges?
        The Qantas Amex Ultimate Card comes with two Qantas Club Complimentary Lounge Invitations each year7. Please note that these invitations are redeemable after your first Card spend on selected Qantas products and services and the Primary Card Member needs to be a Qantas Frequent Flyer member.
        What is the Annual Card Fee for the Qantas Amex Ultimate Card?
        The Qantas Amex Ultimate Card has an annual Card Fee of $450 p.a.
        How is the limit on the Qantas Amex Ultimate Card determined?
        All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose. When you apply for the Qantas Amex Ultimate Card, you’ll have the opportunity to indicate your preferred Credit Card limit and approval for your credit line will be subject to our approval criteria. You should ensure that you nominate a limit that’s in line with your current financial circumstances.

        It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.
        How do I earn and use the Qantas Points on my Card?
        You earn Qantas Points from all eligible purchases made on your Qantas Amex Ultimate Card5 for your everyday spend, bills, entertainment, travel bookings and more.

        The points you earn on your Card are automatically transferred to your Qantas Frequent Flyer Account each month. You can then redeem them for flights to thousands of destinations on eligible Qantas, Jetstar and partner airline flights with Classic Flight Rewards10, for hotels, room upgrades, holiday packages, cruises and tours, for car rentals or to shop at Qantas Wine11 or Qantas Marketplace18.
        What are the benefits of the Qantas Amex Ultimate Card for frequent flyers?
        With the Qantas Amex Ultimate Card, you can enjoy a wide range of travel benefits including:

        • A $450 Annual Qantas Travel Credit to use on eligible domestic or international Qantas flights each year when booked through American Express Travel6.
        • Complimentary domestic and international Travel Insurance for you, your spouse, and your dependent children when you pay for your return trip with your Qantas Amex Ultimate Card13. (Terms, conditions and exclusions apply such as maximum age-limits, pre-existing medical conditions and cover limits).
        • Airport Lounge Access with two Qantas Club Complimentary Lounge Invitations each year after your first Card spend on selected Qantas products and services7.
        Where can the Qantas Points on your Card take you?
        • Fly Sydney to Los Angeles Economy return for 1 person from 96,400 Qantas Points plus AUD $378 taxes, fees and carrier charges.
        • Fly Sydney to Brisbane Economy return for 4 people from 73,600 Qantas Points plus AUD $488 taxes, fees and carrier charges.
        • Fly Gold Coast to Auckland Business one way for 1 person from 43,600 Qantas Points plus AUD $153 taxes, fees and carrier charges.


        Qantas Points required and taxes, fees and carrier charges displayed are accurate as at 01/07/2026 and are subject to change. Classic Flight Rewards availability is limited. For more information, visit Classic Flight Rewards.

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        Receive 20,000 bonus Qantas Points

        The Qantas American Express Premium Card

        when you apply online, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Premium Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only

        Earn Qantas Points and enjoy $0 Annual Card Fee

        The Qantas American Express Discovery Card

        Receive 75,000 Bonus Membership Rewards® Points1

        The American Express Explorer® Credit Card

        when you apply online by 3 November 2026, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.