1 photo
Qantas American Express Discovery

Qantas American Express Discovery

4.3 from 53 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2021 as rated by Australians on ProductReview.com.au.
Brand Manager for American Express? Register now and take advantage of ProductReview's Brand Management Platform!

Pros

  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

Cons

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

Details

CategoryNo Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
BenefitsTravel Credit
Minimum Credit Limit $2,000
Maximum Credit Limit $100,000
Minimum Income $35,000
Additional Cardholders 4
Additional Cardholder Fee $0 p.a.
Minimum Repayments2.5%
Rewards ProgramQantas Frequent Flyer
Points Earn Rate 0.75 points per $1
Points Conditions
  • 0.75 Qantas Points for every $1 spent on Card purchases
  • Earn 1 additional Qantas Point per $1 spent with Qantas
  • 0.5 Qantas Points per $1 spent at government bodies in Australia
  • 1.75 Qantas Points on eligible Qantas products and services

There is no cap on earn rate.

Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.74% p.a.
Late Payment Fee$30
Annual Fee$0 p.a.
Interest Free Period 44 days
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release dateJuly 2011
Visit official website

Reviews

  • Transparency
    4.4 (38)
  • Customer Service
    4.7 (36)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (34)
  • Online Experience
    4.4 (35)
  • Application Process
    4.6 (35)
Previous
Next
BG79
BG79Central Highlands and Goldfields, VIC
  • 16 reviews
  • 4 likes

Best Charges Protection

published

I am very thankful for the easy and good supply received by AMEX as it seems that in today's circumstances there are more and more fake and fraudulent charges that appear on my credit card or that a purchase I made never gets delivered as it was fake in the first place. The online system is very easy and when not sure I can also online Chat or phone and always receive the help and solution needed. A big THANK YOU to American Express - I never leave home without you.

Transparency
5/5
Customer Service
5/5
siwon
siwonBrisbane
  • 8 reviews
  • 14 likes

No customer service

published

Had a question regarding my complimentary insurance. No one could answer it over the weekend. In the end I just paid and bought my own insurance. Paying $450 a year in fees, I expect better.

Transparency
1/5
Customer Service
1/5
Traveling M.
Traveling M.Metropolitan Adelaide, SA
  • 3 reviews
  • 2 likes

Good value for no annual fee

published

I signed up years ago only for the free bonus points offered.
I have stuck with the card now just for the bonus offers linked to certain retailers offering spend $x get $x refund to card.

Looses a star for the recent devalue in Qantas points under 1 Point/ $1 . I would give 5 stars if restored the 1 for 1

Transparency
5/5
Customer Service
5/5
Blender
BlenderSouth East Queensland, QLD
  • 9 reviews
  • 4 likes
  • Verified

Good offers, Qantas points, no annual fee

published

This is a great basic no annual fee credit card if you want to earn Qantas points. I really like the cashback offers that pop up regularly in the app. I use my card with Apple Pay and more places are now accepting Amex. The app is easy to use. There's no fee to add a supplementary card, which makes it easy for other family members to use too. Highly recommended.

Transparency
5/5
Customer Service
4/5
No Annual Fee Credit Cards

Find out how Qantas American Express Discovery compares to other No Annual Fee Credit Cards

Know better, choose better.

Compare all
Cal
Calmelbourne
  • 5 reviews

My card of choice

published

The frequent promotions for American Express cash back are really good when keeping an eye on the best price for items on your purchase wish list. No annual fee is how cards should be.

Transparency
4/5
Customer Service
4/5
Justfold
JustfoldSouth East Queensland, QLD
  • 2 reviews

Never leave home without it...

published

Great card and an asset to have in my wallet, with regular bonus spends in all my favorite stores this pays for it self. No annual fee makes this my go too card.

Transparency
5/5
Customer Service
5/5
jim w.
jim w.Sydney, NSW
  • 5 reviews
  • 3 likes

My favourite credit card

published

This is my go to credit card, no annual fee, Qantas frequent flyer points with ever purchase. And great customer service. Only downside is using it overseas, they stick you with poor FX conversion as well as a commission.

Transparency
5/5
Customer Service
5/5

Related Articles

Previous
How to get in front of credit card debt with a credit card balance transfer.

Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.

Nathan S.
Nathan S.12 Nov 2019
how-to-get-in-front-of-credit-card-debt-with-a-credit-card-balance-transfer
Super Funds Awards 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019
super-funds-awards-2020
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
credit-card-awards-2020
Next
Rob
RobGreater Melbourne (Outer), VIC

Love it!

published

Great card for perks and bonus points. Easy application which was approved very quickly. The no annual fee is awesome. So far I have no complaints what so ever. Will be keeping this card

Transparency
5/5
Customer Service
4/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

thomalfa
thomalfaSydney, NSW
  • 5 reviews
  • Verified

Best free annual fee credit card

published

This could be one of probably not the best but in overall is the best credit card with perks and earn reward points for annual fee free for life. I will give this a 5 stars card but since the points system changed since last year 2018, it just not generate as much and as fast as how it used to be, but still a good card. The only downside is probably this card doesn't come with complimentary travel insurance as many higher level cards do, but pretty much still does its job when comes to daily use, and online purchasing. If you can afford rather to get the ultimate version (comes with complimentary insurance & lounges access), however to me, i would love to have both, their perks are lovely.

Transparency
4/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

No Annual Fee Credit Cards

Find out how Qantas American Express Discovery compares to other No Annual Fee Credit Cards

Know better, choose better.

Compare all
Suresh
SureshSydney, NSW
  • 7 reviews
  • 1 like

Best no annual fee credit going around

published

You get more points than from Any other no annual fee CC. At the same time offers like spend 500 get 150 back from Sony. Fuel offer spend 50 get 15 back etc.. Best to read the term and conditions carefully on the offers.

Transparency
3/5
Rates and Fees
5/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Peter
PeterPerth, WA
  • 13 reviews
  • 5 likes
  • Verified

Everyone should have one of these

published

The card has $0 annual fees and still comes packed with bonuses. The most obvious are Qantas frequent flyer points, but even better are the regular American Express cash-back offers for selected merchants. Promotions like shop-small. Can't fault them. And if there are any questions, their customer service is very helpful and prompt.

Transparency
5/5
Customer Service
5/5
Kim Liew
Kim LiewGreater Melbourne (Inner), VIC
  • 7 reviews

Good Deals and Credit Back without the Annual Fees

published

Easy to transfer my balance to this credit card. Rewards available to me is good. Many good deals as AMEX is trying to push publicity and promotions, a lot of good cashback deals. Easy to accumulate points and is converted to my Qantas Rewards points. The only downside is AMEX is still not accepted everywhere but is definitely getting more recognised. But sometimes it has a higher surcharge than other cards at times. The app was easy to use on mobile as well.

Transparency
5/5
Customer Service
5/5
No Annual Fee Credit Cards

Find out how Qantas American Express Discovery compares to other No Annual Fee Credit Cards

Know better, choose better.

Compare all
Bradley S
Bradley SSydney, NSW
  • 2 reviews
  • 1 like

Free and rewarding!

published

Had this card since 2012. Free to have. Haven't paid a single cent on it due to no annual fees & avoiding interest by paying my statement on time. Customer service is great too. Used many offers via statement credits.
I haven't experienced international transaction fees, only a commission they charge with the money exchange. I did not transfer my balance therefore can't comment on that. Rewards program is great for a free card (QFF). Easy to redeem points via Qantas shop. Easy to accumulate too - it auto transfers your balance to your QFF account.

Transparency
4/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

jchng83
jchng83Greater Melbourne (Metropolitan), VIC
  • 2 reviews

No fees, AMEX rewards and Qantas points

published

For a card with no fees to pay this is a great one to have in your wallet. You can leverage any useful AMEX deals and be rewarded with Qantas points on your spending. Definitely a keeper!

Incentivised Review No
Jayson L
Jayson LGreater Melbourne (Inner), VIC
  • 7 reviews
  • 1 like
  • Verified

Set and forget - good to have in your back pocket

published
Transparency
5/5
Customer Service
5/5

Questions & Answers

Nigel
Nigelasked

How do I apply

No answers
Bruno
Brunoasked

can i transfer my current amex with all the points that i have accumulated to this one card?
regards Bruno

No answers
Andrew W.
Andrew W.asked

Can you access cash from a amex discovery card

No answers
See all Qantas American Express Discovery questions

Get an answer from our members

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.