Qantas American Express Ultimate

Qantas American Express Ultimate

Qantas American Express Ultimate
3.4

85 reviews

PositivevsNegative
61% · 5226 · 31%
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3.6
Customer Service
4.0
Rates and Fees
3.1
Rewards
3.9
Online Experience
3.7
Application Process
3.9
Regular Bonus Point Offers
High Points Earn Rate
Uncapped Annual Points Accrual
$450 annual Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
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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 over 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
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, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.74% p.a.
Late Payment Fee$30
Annual Fee$450 p.a.
Foreign Transaction Fee 3%
Interest Free Period 44 days
Introductory Offers
Sign-Up Bonus

Receive 100,000 bonus Qantas Points when you apply online, are approved and spend $3,000 within the first 3 months.

Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release date
Visit official website

Reviews

85 reviews
Dan
DanCaulfield31 posts
 

SCAM! Regret getting this card!

Not Impressed at all and I've only just signed up. Got sucked in with the lounge passes and travel credit but you don't get them until the SECOND year! That's if you purchase Qantas flights too. Advertised also was 12 months interest free on balanced transfers but apparently AMEX have never had that available. No benefit at all to this card. I'll cancel when I get my 100k points.
richard7843
richard7843South East Queensland, QLD16 posts
 

American Express Cards are not allowing potential customers to contact them

Prior to signing up we wanted more specific information, NOWHERE on AE website can one have a chat with AE. Only members can speak with AE that is AFTER signing up.
I went to facebook on AE website and on there one can use Facebook Messenger, so I wrote a message as it says it is available 7am to midnight. No reply. Why do other companies have messenger on Facebook and it is a two way conversation. AE doesn't want to talk to anyone UNLESS they sign up.
Now they demand payment of $450 even though card never received. Approved but not received.
What a [Content Removed]. Show details
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CallaSpadeaSpade
CallaSpadeaSpade4 posts
 
Transparency
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Clark S.
Clark S.
  Verified

A useless credit card with barely any benefits

This credit card is fairly useless now. Qantas is not the airline it use to be and you are locking yourself more with this card. There is hardly any benefits and despite the number of lounges around the world, this card gives you 2 complimentary access to the Amex lounge but in fine price ONLY in Sydney and Melbourne and nowhere else in the world. It supposedly gives you also 2 complimentary Centurion lounge access passes but once again in fine print ONLY in Sydney and Melbourne where neither airports have a Centurion lounge. So Amex likes to deceptive tell people you get complimentary lounge access but you can barely use it. Amex is a dying company and not worth it under any of their cards anymore. Show details
Customer Service
Online Experience
Craig Martin
Craig MartinHobart, TAS5 posts
 

Overpriced and big rates and fees

I paid $450 annual fee for this premium card in a hope that it would be good interms of not paying overseas fees and charges etc. However, this is not the case. Just back from on an overseas trip and got stung with a very poor exchange rate and a $50 commission on one expense. This is in contrast to my HSBC Global Card which was FREE and offered me a much better exchange rate and ZERO fees. Do yourself a favour and avoid AMEX and sign up for the HSBC card. Show details
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Rob Mack
Rob MackSydney, NSW5 posts
 

The value of the Travel Credit

A number of years ago the $450 travel credit sounded good until you went to Amex travel and all airfares were totally overpriced. The policy also was if you picked an airfare less than $450 then you lose the difference. Now you can’t book an airfare under $450. The offer of a $450 travel credit sounds good but they structure the prices on Amex travel to make it difficult to actually use it. Beware.
Colin
ColinSouth East Queensland, QLD5 posts
 

Travel Credit wrought

Booking Qantas flight on the Amex app, to use the $450 travel credits, are 5x and more the price than if I just used the Qantas booking app.
Absolutely no value just another rip-off Show details
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Atiq
AtiqSouth East Queensland, QLD4 posts
  Verified

Stay away from this card

firstly this card is not accepted anywhere, not even in big businesses leave small businesses alone.
very high annual fee.
The app is extremely user-unfriendly
robots chatting is terrible.
all the benefits are a mirage! booking travel to claim your travel credit is more expensive than booking through others, so what is the point? Show details
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Trina
Trina4 posts
 

Be careful - they will lock your card even if your card has been paid out

My card has been locked and cannot be used - firstly because I had over paid the balance eg in credit to me and secondly I had used my $5000 credit limit in one cycle so even if credit balance is 0 you cannot use it until the next monthly cycle. I called to find out and was told my card was fine to use. Went to use it again and after yet another phone call was told the above - not helpful at all for making large payments on this card - rewards not worth the angst so disappointing. Show details
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Carol C.
Carol C.
 

Never transfer my points always come back with a new excuse and charge high fees

I have the Qantas Ultimate American Express Credit Card and for an year I have been battling for American Express to transfer my points to my Qantas Frequent Flyers and they always come back with a new excuse. I won't recommend it to anyone. They also charge a high fee and never give you the benefits they offer when applying for it. Don't waste ur time and money on it have a lot of others credit card way better that doesn't give u this stress and headache. Show details
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Luke S.
Luke S.Perth, WA6 posts
 

Pretty damn good in almost every aspect

Love this card, it's my go to for most things and the rewards are great. The app works really reliably and makes using it easy. Not sure if all the benefits of the card are the easiest to access and use sometimes, the insurance especially. I have seen apps that literally shown you all the benefits in the app and has a section explaining them all and where they apply and where they don't, how they work and where to go to use them when you do need them. Show details
Eph S
Eph SSydney, NSW11 posts
 
Application Process
Chris
ChrisSydney, NSW3 posts
 
Rates and Fees
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Appliance Queen
Appliance QueenPerth, WA7 posts
 
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KYip
KYipGreater Melbourne (Metropolitan), VIC
 

Terrible travel credit scheme even now traveling seems resumed

Yes now you can go on aboard again but AMEX, this brand, does not have any compassion or understand the needs of their customers. It is still hard for people to book international flights since 2020 to present. What they said is they have provided an extension for the travel credit in 2019 but not 2020 and 2021. Now, I have paid $900 for two years. My card cancellation services you right. Show details
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Online Experience
Application Process

Questions & Answers

Bronwyn
Bronwyn

Can you please advise whether car rental is covered by the Qantas American Express Ultimate travel insurance? It used to be but I cannot find updated information.

Majianne
Majianne

How long after payment will points appear in my Qantas account

rghowes
rghowes

Can I use my card to set up regular monthly accommodation house rental payments to the account of the owner?

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