Point Hacks Point Hacks
Citi Premier Qantas Credit Card - Up to 100,000 Qantas Points

Up to 100,000 bonus Qantas Points with MyCard Premier Qantas Credit Card

FIND OUT MORE & APPLY

Point Hacks may receive a commission from the card issuer for each applicant of this card More about this.

MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”).

Card Highlights

Earn up to 100,000 bonus Qantas Points with a MyCard Premier Qantas Credit Card.¹ Receive 70,000 bonus Qantas Points when you spend $6,000 in the first 90 days of card approval and 30,000 bonus Qantas Points on your first anniversary. Get 0% p.a. for 12 months on balance transfers, a 3% BT fee applies. Balance transfer must be applied for during card application. Balance Transfer rate reverts to Cash Advance rate after the promotional period.⁷

Earn

Qantas Points per $1

1 Point

on Eligible Transactions made overseas or online with a merchant that is based overseas²

1 Point

on Eligible Transactions made online²

0.5 Points

on all other Eligible Transactions²

Travel Benefits

Travel Insurance

Access to Complimentary international and domestic travel insurance⁴

Lounge Passes

Two complimentary annual airport lounge passes to over 1,700 airport lounges and experiences with Priority Pass³

Purchase Insurance

Complimentary Purchase Protection Insurance⁴ and Extended Warranty Insurance⁴

Luxury Escapes

Up to 15% off selected hotels with Luxury Escapes (up to $250)⁸

Expedia Hotels

Save on your next getaway with 10% off selected hotels on Expedia⁹

Wotif Hotels

Explore Australia and beyond with 10% off selected hotels on Wotif⁹

Points Cap

Yes

Capped at 100,000 per 12 month period when you use your MyCard Premier Qantas Credit Card on Eligible Transactions on Online Spend, International Spend and Domestic Spend.

Annual Fee

$350 p.a.

ATO Points

No

Overseas Transaction Fee

3.5%

of the converted amount

Interest-free Rate on Purchase

Up to 44 days

Purchase Rate

22.49% p.a. on retail purchases

Cash Advance Rate

22.99% p.a.

Why Choose This Card

The MyCard Premier Qantas Card is best viewed as a mid-tier Qantas option for frequent travellers who want real perks, without committing to the cost of a fully premium Qantas card. The up to 100,000 bonus Qantas Points¹ sign-up bonus is solid enough to accelerate a Classic Reward flight or upgrade.¹¹

Where this card earns its $350 annual fee is in the travel extras. Complimentary domestic and international travel insurance removes the need to buy cover separately, and the two Priority Pass³ lounge passes are a great upgrade for anyone who doesn’t hold airline status but still wants a calmer airport experience a couple of times a year.

The earn structure also favours modern spending habits, with higher earn rates on online and overseas purchases. That suits travellers and online shoppers, while for everyday spend, this card rewards convenience rather than aggressive optimisation.

If you’re Qantas-inclined, travel a few times a year, and want insurance and lounge access bundled into one card, the MyCard Premier Qantas strikes a sensible balance between cost, comfort, and points.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

Extra Benefits

Complimentary Mobile Phone Insurance

Complimentary Mobile Phone Insurance

Pay your monthly postpaid plan bill with your MyCard Rewards card, and you'll be covered for Accidental Damage and Theft.⁵

Complimentary Purchase Protection Insurance

Complimentary Purchase Protection Insurance

Access purchase protection insurance on eligible purchases⁴

Complimentary Extended Warranty Insurance

Complimentary Extended Warranty Insurance

Access extended warranty insurance on eligible purchases⁴

Personal concierge service

Personal concierge service

Connect to travel, dining, and entertainment experiences, perks, and privileges, with a 24/7 personalised concierge service to assist and inspire you⁶

Mobile Wallet

Mobile Wallet

Apple Pay, Google Pay and Samsung Pay

Eligibility Criteria

These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.

  • Be aged 18 years or over
  • Be a Permanent Australian Resident and an Australian Tax Resident
  • Have a valid Australian mobile number and email address
  • Receive a regular income
  • Have a good credit rating
  • This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.

Frequently Asked Questions

Is there a cap on the number of points I can earn?

Qantas Points are capped at 100,000 per 12 month period²

What lounge access is included with this card?

You’ll get two Priority Pass lounge passes to use with the MyCard Premier Qantas, giving you access to over 1,700 locations worldwide, including lounges, restaurants and other experiences³

How can I redeem my Qantas Points?

You can use your Qantas points for a range of rewards, from flights, hotels and even wine or gift card purchases. The best value rewards tend to be flights or flight upgrades via Classic Reward flights. Read our guide of best uses of Qantas points here.¹¹

Does this card include travel insurance?

This card includes complimentary domestic and international travel insurances⁴

What is an eligible purchase?

Eligible Transaction is defined in the Terms and Conditions of the MyCard Rewards Program means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition of Eligible Transactions

Terms and Conditions

1. 100,000 bonus Qantas Points

70,000 bonus Qantas Points: You will receive 70,000 bonus Qantas Points when you spend a minimum of $6,000 on eligible purchases using your new Card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 70,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of meeting the spend criteria.

Additional 30,000 bonus Qantas Points: An additional 30,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of your Account being open for 12 months, provided it has been activated by you. Your MyCard Premier Qantas Credit Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in MyCard Qantas Rewards for the Bonus Points to be awarded. All rewards are subject to the Terms and Conditions of the MyCard Rewards Program (PDF, 262KB), opens in new window. You must be a member of the Qantas Frequent Flyer Program and provide your membership number to us. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Program Terms and Conditions, available at qantas.com/terms, opens in new window. This offer commenced 15 December 2025. We may vary or end this offer at any time. Offer is only available when you apply for a new MyCard Premier Qantas Credit Card. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.

2. MyCard Premier Qantas earn rate

All rewards are subject to the Terms and Conditions of the MyCard Qantas Rewards Program (PDF, 262KB), opens in new window. MyCard Premier Qantas Credit Card earns 1 Point per $1 for Eligible Transactions made online, 0.5 Point per $1 spent everywhere else on eligible Domestic Spend and 1 Point per $1 spent on eligible International Spend. The points earn is capped at 100,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Qantas Points are defined in the MyCard Rewards Program and MyCard Qantas Rewards Program Terms and Conditions. Qantas Points are earned in accordance with the MyCard Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in MyCard Qantas Rewards. You will only earn Qantas Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms, opens in new window. Your Rewards Balance will be automatically redeemed for Qantas Points at the end of each Statement Period. It may take 28 business days for the Qantas Points to appear in your Qantas Frequent Flyer membership account. Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please refer to the MyCard Qantas Rewards Program (PDF, 262KB), opens in new window Terms and Conditions for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

3. Priority Pass

One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the MyCard Premier Credit Card. MyCard Premier cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc, opens in new window and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a MyCard Premier cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com, opens in new window. Cardholders can use their lounge entitlement to receive AUD$36 off their bill. 1. Each AUD$36 deduction represents a single lounge visit within the cardholders’ existing lounge visit allocation for which the cardholder will, where applicable, be charged. Only 1 card per visit per primary cardholder will be accepted and at point of registration. 2. the AUD$36 is valid for the purchase of any meal/or drinks. To be eligible, cardholders must present a valid Card and Boarding Pass with confirmed same-day travel before placing an order. 3. AUD$36 is non-transferrable & cannot be exchanged for cash substitute or refund if the final bill is lower than AUD$36 per person. 4. Cardholder is responsible for the balance if the total bill exceeds AUD$36 per person. Any remaining balance cannot be used towards gratuity. 5. Priority Pass and its Affiliates Companies shall not be liable should the offer value be less than Customers lounge visit entitlement. Customers who pay for lounge and guest visits are advised to review programme Conditions of Use prior to accessing the offer. Visit www.prioritypass.com, opens in new window for more information.

4. Complimentary Insurances (Purchase Protection, Extended Warranty, Rental Vehicle Excess and Travel Insurance)

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the MyCard Credit Card Complimentary Insurance Policy Information Booklet (PDF, 593KB). Neither NAB nor any of its related corporations guarantee this insurance.

5. Mobile Phone Protection Insurance

Mobile Phone Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. This Cover is available to Cardholders (“you/your”) while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 211KB), opens in new window” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB is not the issuer or insurer of the Cover. NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

6. Personal Concierge Service

Concierge Services is a complimentary service available to the primary cardholder. Refer to the Terms and Conditions (PDF, 262KB), opens in new window of the MyCard Rewards Program. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.

7. 0% p.a. for 12 months on Balance Transfers

Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balance transfers requested at card application, and the Balance Transfer Fee, for a period of 12 months, commencing from the date the Balance Transfer is processed. The Balance Transfer Fee is 3% of the balance transferred and will be debited to your account on the day or the day after your Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and Balance Transfer Fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from MyCard branded unsecured credit products. For important information to consider before taking up a Balance Transfer, please click here. This offer commenced 15 December 2025. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.

8. Luxury Escapes offer

10% discount is valid on ‘Limited Time LUX Exclusive’ hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au, opens in new window or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to MyCard branded cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their MyCard branded card at checkout along with the promo codes MYLUXPROMO when purchasing ‘Limited Time LUX Exclusive’ hotels or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.mycard.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.

9. Expedia/Wotif

To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique www.expedia.com.au/traveloffer, opens in new window or www.wotif.com/traveloffer, opens in new window link from 25 February 2025 to 31 January 2027 for stays completed by 30 June 2027, enter the Coupon code on the payment page, and pay with your valid MyCard Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see Expedia, opens in new window and Wotif, opens in new window). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.mycard.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.

10. MyCard Rewards Program

Refer to the MyCard Rewards and MyCard Qantas Rewards Program Terms and Conditions, for the full Terms of Use which can be found on mycard.com.au/terms.

11. Classic Flight Rewards

Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. View more information about Classic Flight Rewards. You must be a Qantas Frequent Flyer to earn and redeem Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.