Qantas American Express Discovery

Qantas American Express Discovery

Qantas American Express Discovery
4.1

57 reviews

PositivevsNegative
84% · 488 · 14%

Transparency
4.2
Customer Service
4.5
Rates and Fees
4.3
Rewards
4.1
Online Experience
4.2
Application Process
4.5
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
Brand Manager for American Express? Claim your listing.

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 date
Awards 2020
Visit official website

Reviews

57 reviews
WalterWhite
WalterWhite
 

BUYER BEWARE - YOUR CREDIT RECORD WILL BE DAMAGED

Prior to applying, I had reasonably decent credentials: credit scores of 1000+ across multiple creditors; income of $250k+; never later with payments; good debt/income ratio.
My application was declined, with no reason provided. All credit scores now down across the board 200+ points.
Better cards out there with more transparency.
Suggest avoiding. Show details
Jack
Jack4 posts
 

A real shocker

I cannot believe I am now someone who is writing a review for something but here we are. I got onto an Amex Credit Card with QANTAS frequent flyer bonuses and QANTAS flight credit. They are so unbelievably disorganized. The card is only accepted with a few stores in Australia. The flight credit forces you to book through Amex Travel, which is an incredibly clunky website that is impossible to navigate. Have had to change my flight date and it has taken me hours over the phone and on their terrible website. Seriously, do not bother with Amex Australia. Not worth the unbelievable amount of hassle.
mahbub m.
mahbub m.Sydney, NSW2 posts
 

Awful and should be sued for sharing customer data with 3rd parties

Be careful of their special partnership and promotional offers with third parties for cardholders that they advertise as a value add for customers. In fact, they are sharing your personal information with other businesses and in some cases your credit card details. If you are not reading T&C's properly they will not take any responsibilities down the road either. I have personally been charged fees for a subscription after a year that I clicked without reading the terms properly. But I never gave my credit card details to that 3rd party organization directly either. Apparently it all happens at the back end. Not sure how they can get away with this. Sharing with you so that you don't make the same mistakes as I did. Show details
Transparency
Customer Service
Application Process
Nick
NickSydney, NSW
 
BG79
BG79Central Highlands and Goldfields, VIC24 posts
 

Best Charges Protection

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. Show details
Rewards
Application Process
siwon
siwonBrisbane11 posts
 

No customer service

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. Show details
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Traveling M.
Traveling M.Metropolitan Adelaide, SA5 posts
 

Good value for no annual fee

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 Show details

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Blender
BlenderSouth East Queensland, QLD10 posts
  Verified

Good offers, Qantas points, no annual fee

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. Show details
Customer Service
Rates and Fees
Cal
Calmelbourne5 posts
 

My card of choice

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. Show details
Justfold
JustfoldSouth East Queensland, QLD2 posts
 

Never leave home without it

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. Show details
jim w.
jim w.Sydney, NSW6 posts
 

My favourite credit card

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. Show details
Rates and Fees
Online Experience
Rob
RobGreater Melbourne (Outer), VIC
  Fair Incentive

Love it!

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 Show details
Customer Service
thomalfa
thomalfaSydney, NSW5 posts
  Fair Incentive Verified

Best free annual fee credit card

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. Show details
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Suresh
SureshSydney, NSW7 posts
  Fair Incentive

Best no annual fee credit going around

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. Show details
Transparency
Rates and Fees
Rewards
Online Experience
Application Process
Peter
PeterPerth, WA15 posts
  Verified

Everyone should have one of these

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. Show details
Online Experience

Questions & Answers

Nigel
Nigel

How do I apply

Bruno
Bruno

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

Andrew W.
Andrew W.

Can you access cash from a amex discovery card

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