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Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 63 reviews

See the Best Frequent Flyer & Travel Credit Cards in 2019 as rated by Australians on ProductReview.com.au.

Pros

  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

Cons

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

Details

The Qantas American Express Ultimate card is popular among point-hunters due to its high uncapped earn rates:

  • 1.25 points for every $1 spent on regular purchases,
  • 0.5 points for each $1 spent at government bodies, and
  • 2.25 points earned for each $1 spent on selected Qantas products and services.

It has regular bonus offers for new sign-ups, ranging from 55,000 to 100,000 points. However, all this comes at the expense of a high annual fee of $450, and a shorter interest-free period than many other cards, only 44 days. While you do get a few other perks such as $450 of Qantas travel credit, travel insurance, and lounge access, the fees and minimum income requirement of $65,000 may be off-putting for many people.

CategoryFrequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
24-Hour Phone Contact Yes
Online Live Chat Yes
Card TypeAmerican Express
BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
Minimum Credit Limit $3,000
Minimum Income $65,000
Additional Cardholders 4
Additional Cardholder Fee $0 p.a.
Minimum Repayments2.5%
Rewards ProgramQantas Frequent Flyer
Points Earn Rate 1.25 points per $1
Points Conditions
  • 1.25 points for every $1 spent on regular purchases,

  • 0.5 points for each $1 spent at government bodies in Australia,

  • 2.25 points earned for each $1 spent on selected 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.
Cash Advance Fee2%
Late Payment Fee$30
Annual Fee$450 p.a.
Foreign Transaction Fee 3%
Interest Free Period 44 days
Introductory Offers
Sign-Up Bonus Receive 120,000 bonus Qantas Points when you apply by Nov 6 and spend $4,500 within the first 3 months.
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release dateAug 2006

Visit official website

Reviews

Review distribution

5 star
32
4 star
18
3 star
5
2 star
0
1 star
8

Milly

MillySouth East Queensland, QLD

Great bonus points and extras

published

Easy to use. 100,000 bonus points credited as soon as minimum spend. Travel credit covers cost of annual fee. Would highly recommend this card to anyone who loves to travel

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMay 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses
See all answers

Pretty good except for steep annual fee

published

The annual fee is $450 but you do get $450 to put towards flights (on the Amex website, which I havent tried personally). Used overseas, worked fine. Points go to your account every month automatically.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping and Overseas/Travel
See all answers
Rahul verma

Rahul vermaSydney, NSW

  • 3 reviews
  • Verified customer

Perfect card for shopping as well as travelling

published

Solve recharge problems
Good customer service
Provide so many app offers
Good sign up bonus points.
Easy to handle and it is useful for all categories like shopping, travelling and many more

Application Process

The reviewer stated that an incentive was offered for this review

naveen

naveenSydney, NSW

  • 2 reviews
  • 3 likes

Good card for shipping

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2014
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses
See all answers

Adam

AdamGreater Melbourne (Inner), VIC

Great for shoppers

published

Negs: $450 annual fee. Pros: good sign up bonus points, good referral points, great in app offers. Great if you are in to shopping, the offers are enough to pay off the annual fee. + the points wasn’t adequately cover it.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers

The reviewer stated that an incentive was offered for this review


TidyR

TidyRSydney, NSW

  • 3 reviews
  • Verified customer

A card that doesn’t cost a cent!

published

Annual fee offset by travel credit, essentially a free card. The cash back offers have proven handy. Good customer support and application process was a breeze. A great card to get you to your next trip sooner!

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateSeptember 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses and Overseas/Travel
See all answers

Lollipopa

LollipopaSydney, NSW

This is all you need

published

I have used this card for about 3 months. It has been good. Havent had any issues. I havent used this card overseas, i would prefer using a Travel card purely for security reasons.
Everything is online so transferring money between accounts is simple. The frequent flyer points is pretty good. i spend a lot, therefore i get a lot of points. Highly recommend

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJuly 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses and Online Shopping
See all answers

The reviewer stated that an incentive was offered for this review


Norm

NormGreater Melbourne (Inner), VIC

  • 2 reviews

Not accepted at enough places

published

I love the points and lounge passes that are available but unfortunately not many places accept amex. Also has quite a high annual fee so not much use to me

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses and Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

Charlea999

Charlea999South East Queensland, QLD

Great card to earn Qantas frequent flyers

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2018
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers
Nicholas

NicholasSydney, NSW

  • 2 reviews
  • 1 like

Good but AMEX is not accepted most of the places I go

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateAugust 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers

J Harvey

J HarveySydney Surrounds, NSW

  • 4 reviews
  • Verified customer

Decent Card if Combined with Signup Bonus Points

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers

James

JamesSydney, NSW

  • 11 reviews
  • 10 likes
  • Verified customer

Quality card and effectively no annual fee

published

Never had any issues with this card. The Qantas points transfer automatically each month, and can be used for flight redemptions etc. The $450 annual card fee is returned as an annual credit to use for Qantas flights – so basically free.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses
See all answers

thomalfa

thomalfaSydney, NSW

  • 5 reviews
  • Verified customer

Great credit cards with perks

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2018
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers

The reviewer stated that an incentive was offered for this review


Sarah Guinevere H.

Sarah Guinevere H.Hobart, TAS

  • 2 reviews

Excellent for frequent QF travellers, good customer service

published

Great for QF/Jetstar/One Alliance frequent travellers and Qantas Club members, as substantial sign-up bonus and $450 flight credit each year (sometimes promoted with two digipasses to Qantas Club). The call centre staff are attentive and really helpful, have waived late fees due to customer contact. The app and website can be a little clunky to navigate with use for travel bookings, however worth using even purely as payment method for the travel insurance applied to relevant transactions and decent QF points accrued.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2017
Main Point of ContactPhone
Card / Account Used ForOnline Shopping and Overseas/Travel
See all answers
Adam P

Adam PBraddon 2612, ACT

  • 6 reviews
  • 1 like
  • Verified customer

Great sign-up bonus, helpful support

published

I earned 100,000 bonus Qantas points on signup with a $3000 minimum spend, plus the card itself has a good earning rate. On top of that you can get 40,000 referral points if you refer a friend (like I did). Application process is really easy (almost too easy!).
Customer support has been great. Only thing to keep in mind is that the automatic repayments take a while to set up so it's worth making your first payment manually. However overall very happy!

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJune 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers
KevinH

KevinHSydney, NSW

  • 8 reviews
  • Verified customer

Expensive but packed full of features

published

The big item is the fee for $450 is the card worth it? I say yes.
$450 flight credit (although can only been used once) offsets my fee.
Qantas points per spend is the highest available.
But the main benefit is the spend and save, lots of promotions during the year, but they seem to be getting smaller and smaller every year.
The card has apple pay, which I love and can never go back from.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2017
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers

Newman

NewmanSouth East Queensland, QLD

Great card with solid benefits

published

Very useful card with great bonus point rewards, currently 100000 qantas points. Points are credited very quickly and I had no problems claiming the bonus points after the minimum spend. Lounge passes and travel credit also good.
Customer service also very good.
Cons are that Amex not accepted everywhere and high yearly fees.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMay 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping and Overseas/Travel
See all answers

Michael

Michael

  • 2 reviews

Great credit card for earning points

published

Always had a good experience using amex credit cards. Great initial bonus of 100,000 points, however with an annual fee of 450 dollars. You do get that back with travel credit though

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

LXJ

LXJSydney, NSW

Earn points for free!

published

A free card for travellers as the annual fee of $450 is offset by the $450 AMEX travel credit. The prices through AMEX travel almost always match Qantas’s prices too!

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateSeptember 2019
Main Point of ContactPhone
Card / Account Used ForOverseas/Travel
See all answers

MrsB

MrsBGreater Melbourne (Outer), VIC

  • 8 reviews

Handy points booster

published

Great credit card to boost points if you can pay balance each m9nth. $450 flights voucher offsets annual fee which is great and they offer regular offers which are handy. Overall good card to have in the wallet.

Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2018
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses and Online Shopping
See all answers

Page 1 of 4

Questions & Answers

Mon072

Mon072asked

The only bonus to applying for this card is the Qantas frequent flyer points! Beware that the $450 travel credit can only be used by booking through the American Express travel portal. And does not entitle you to the Qantas lounge passes. They are only triggered by booking through the Qantas website. And then take 14 days to be allocated to the frequent flyer account. Absolutely no benefit to pay $450 per annum for the card. Terrible customer service.

No answers

Lorraine D

Lorraine Dasked

I have a velocity Platinum amex card. Does this make me ineligible for the bonus points promised with the Qantas amex ultimate card?

No answers

Mudcake77

Mudcake77asked

What exactly can you use your Ultimate Credit card for except for flights?

1 answer
Melbourne_3000
Melbourne_3000

Refer to the Qantas website then FF program, listed are partner companies such as Woolworths, JB Hi-Fi, Harvey Norman, Myer. DJ's etc for store gift cards.
We are just in the process of changing our Amex card from Qantas to Virgin loyalty program.
Better value and easier to redeem for flights.


Get an answer from our members and American Express representatives

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