Citi Premier Qantas Credit Card
Earn up to 1 Qantas Point per dollar on eligible spend and enjoy two complimentary airport lounge visits each year when you enrol in Priority PassTM.
This product is provided by National Australia Bank Limited, using certain trademarks temporarily under license from Citigroup Inc.
Why we like the Citi Premier Qantas Credit Card
If you’re looking for a Credit Card in Australia that earns Qantas Points on domestic and international spend, then look no further than the Citi Premier Qantas Credit Card!
You’ll earn up to 1 Qantas Point per $1 on eligible spend, capped at 100,000 Qantas Points over a 12-month period.
The Citi Premier Qantas Credit Card includes includes two complimentary airport lounge visits each year when you enrol with Priority PassTM.
Cardholders also enjoy a range of complimentary insurances, including International and Domestic Travel Insurance and Mobile Phone Insurance+, 10% off (up to $250 per booking) Limited Time LUX Exclusive hotel offers with Luxury Escapes booked by March 2025, as well as other card benefits and discounts.
Sign-up bonus
For a limited time, earn up to 100,000 bonus Qantas Points^ when you apply for the Citi Premier Qantas Credit Card!
The bonus is split into two parts, with the first 70,000 Qantas Points to be awarded when you spend $6,000 on eligible purchases within the first 3 months from card approval. You’ll receive an additional 30,000 Qantas Points when you keep the card open for over 12 months.
With the Citi Premier Qantas Credit Card, you’ll pocket up to 1 Qantas Point per $1 on eligible spend. The card also includes two complimentary Priority Pass™️ lounge visits each year, plus complimentary insurances.
This offer is not available to customers who close or transfer from another Citi-branded credit card account.
The full sign up bonus of 100,000 Qantas Points can certainly take you far! Why not fly from Singapore-Helsinki in Finnair Business Class for 90,000 Qantas Points + taxes and carrier charges? Or, fly return from Sydney to Los Angeles in Economy Class for 83,800 Qantas Points + taxes and carrier charges. And if a First Class experience is on your bucket list, you could hop across the Tasman in Emirates First Class from Sydney-Christchurch for 64,500 Qantas Points + taxes and carrier charges!
Citi Premier Qantas Credit Card benefits and features
The Citi Premier Qantas Credit Card includes a range of features and benefits. Here’s what to expect…
Priority Pass™️ membership
Cardholders receive complimentary Priority Pass™️ membership, which provides access to more than 1,400 airport lounges around the world. Two airport lounge visits are included each year as part of this membership, currently valued at US$35 each.
Access to Complimentary insurances*
You may be eligible for the following complimentary insurances with the Citi Premier Qantas Credit Card:
- International and Domestic Travel insurance – up to 3 months for International Travel and up to 14 days for Domestic Travel when meeting eligibility criteria.
- Mobile Phone Insurance⁺ – pay your monthly mobile plan bill with your Citi Premier Qantas Credit Card and you’ll receive accidental damage and theft insurance cover.
- Rental Vehicle Excess insurance in Australia.
- Purchase Protection insurance.
- Extended Warranty insurance.
Before you consider using these insurances, we recommend reading the PDS to determine if the insurance cover meets your individual needs.
Discounts and other benefits
Aside from the ability to earn Qantas points, the Citi Premier Qantas Credit Card also includes these benefits:
- 10% off (up to $250 per booking) Limited Time LUX Exclusive hotel offers with Luxury Escapes booked by March 2025.
- Automatic cashback when you spend at stores with My Cashback offers
- Complimentary VIP membership for one year with Wrapd. Offer ends 30 September 2024.
Learn more about these benefits here.
Earning Qantas Points
The Citi Premier Qantas Credit Card earns Qantas Points at the following rates:
- 1 Qantas Point per $1 spent on eligible transactions online or overseas.
- 0.5 Qantas Points per $1 spent on eligible transactions everywhere else (including domestic spend).
The points earn is capped at 100,000 Qantas Points over a 12-month period.
If you travel overseas or make regular online transactions in foreign currency, then the Citi Premier Qantas Credit Card can be a good way to earn Qantas Points from international spend. Note that this card attracts a 3.4% overseas transaction fee, so consider if this fee is worth the Qantas Points earned.
If you prefer to earn flexible points towards the Citi Rewards program instead, you may want to consider the Citi Rewards Credit Card.
Earning points for ATO & government payments
The Citi PayAll feature allows you to earn Qantas Points from expenses like rent, taxes, education fees and more. The earn rate is 0.5 Qantas Points per $1 on eligible spend. Offers are subject to eligibility and are only available if your account is in good standing (for example – your account is not in default, suspended or closed). The Citi PayAll fee is currently 0.95%.
Note that Citi PayAll payments will not count towards the minimum spend required for the signup bonus offer.
Using Qantas Points
Qantas Points are best redeemed for flights and flight upgrades – but that’s not all they can be used for!
You can also redeem Qantas Points for other parts of your holiday, like accommodation, car rental, travel insurance and train journeys. They can also be put towards purchases from Qantas Wine or the Qantas Marketplace.
When redeeming Qantas Points for flights, you’re not limited to flying with Qantas. In fact, you can tap into a global network of airlines thanks to Qantas being part of the Oneworld Alliance. This means you can redeem Qantas Points to fly with Japan Airlines, Cathay Pacific, British Airways, American Airlines, Finnair and others.
Qantas also has a number of non-Oneworld Alliance partner airlines, such as Emirates and KLM, that allow you to redeem Qantas Points. It’s also possible to redeem Qantas Points for movie tickets and gift cards.
To learn more about earning and using Qantas Points, see our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- Earn up to 1 Qantas Point per $1 on eligible spend
- Two complimentary airport lounge visits each year when you enrol with Priority PassTM
- Access to Complimentary International and Domestic Travel Insurance and Mobile Phone Insurance⁺
- Compatible with Apple Pay, Google Pay and Samsung Pay
Cons
- Overseas transaction fees apply
- Points-earning rate capped at 100,000 Qantas Points over a 12-month period
- High annual fee
- High interest rate on purchases (this is a potential issue if you think you’ll be unable to repay your balance in full each month)
Frequently Asked Questions (FAQs)
To apply for a Citi Premier Qantas Credit Card, you would need to be a Permanent Australian resident, aged 18 years or older. You’ll also need a mobile phone, 2 forms of identification as well as proof of income.
The minimum credit limit is $10,000.
Qantas Points can expire if there is no activity in your account for 18 months. You can prevent your Qantas Points from expiring by ensuring you earn or redeem points within this timeframe. If you don’t fly often, using a credit card that earns Qantas Points, like the Citi Premier Qantas Credit card, can be a good way to keep your account active.
Yes, you can link your Citi Premier Qantas Credit Card to contactless payment solutions like Apple Pay, Google Pay and Samsung Pay to simplify payments on the go.
Yes, you can add up to four additional cardholders aged 16 years or older at $0 annual fee per additional cardholder.