This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$6,000 within 90 days — about $2,000 per month.
Can I get the card?
The minimum credit limit is $10,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 23 October 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
What do the points buy?
It depends where you fly. From Sydney, 73,000 Qantas points buys:
| Trip | Points for 1 return trip | You can book |
|---|---|---|
| Sydney → Melbourne, Economy | 18,400 | 3 return trips, plus 1 one-way trip |
| Sydney → Bali, Economy | 46,600 | 1 return trip, plus 1 one-way trip |
| Sydney → Singapore, Economy | 58,000 | 1 return trip |
| Sydney → London, Business | 332,600 | Not yet — 21% of a return trip |
Prices are Qantas Classic Flight Rewards for 1 person, if a reward seat is free. Airport taxes and fees are extra cash on top. Pick your own start city and trip below.
Sydney to London in Business (166,300 points)
Tap the trip above to pick your start city, where you want to go, and a seat class.
43% of one way trip
Sydney to London (Business): One way flight is 166,300 Qantas points.
With 73,000 points = 0 return trip with 73,000 points remaining.
If you spend another $186,600 on the card, you can add another one way trip, zeroing out your point balance for this card.
This card has a second year bonus of 30,000 and an annual fee of $350.
Should I keep it after the first year?
Keeping the card costs $350 each year ($350 annual fee) — the first year was $350.
The year-two bonus is 30,000 Qantas points.
Ongoing earn: 0.50x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $350/yr.
73,000 Qantas points at 1.6¢ a point − $350 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Card moved to MyCard/NAB - new cards do not have bonus offers
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Qantas
Second Year Points
30,000 points
With $350 annual fee
Minimum Spend
$6,000
within 90 days (about 3 months)
Offer Expires
October 23, 2025
a year ago
Ongoing Earn Rate
0.50x points per $1 spent
Fees
First Year Annual Fee
$350
Ongoing Annual Fee
$350
From year 2 onwards
Purchase Interest Rate
22.49% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Offer terms history (2 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Bonus changed from 50K to 70K, Second Year Bonus from 20K to 30K2 years ago
- Expiration changed from no expiration to no expiration, Second Year Bonus from 30K to 20K3 years ago
- Expiration changed from 30/04/24 to no expiration, Second Year Bonus from 30K to 20K3 years ago
- Expiration changed from 31/10/23 to 30/04/24, Bonus from 70000 to 500003 years ago
- Expiration changed from 31/10/23 to 30/04/24, Bonus from 70000 to 500003 years ago
- Expiration changed from 31/10/23 to 30/04/243 years ago
- Offer extended to 31/10/233 years ago
- Offer extended to 25 October 20233 years ago
- Bonus reduced from 80k to 70k, first year annual fee increased from $175 to $350, spend increased from $4000 to $60004 years ago
- Offer extended to 30/11/224 years ago
- Offer extended from 29/06/22 to 31/08/224 years ago
- Offer extended to from 28/04/2022 to 29/06/2022, bonus reduced from 100k to 80k4 years ago
Discussion
About these ended terms (published 23 Jan 2025) — not the current offer.
Community and personal tools
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