Qantas Premier Titanium
The estimated gift card value does not cover the first-year fees. The fees are $450 higher.
You pay $1,200 in first-year fees.Spend $5,000 in 90 days.You get $750 in Woolworths gift cards.
The recorded minimum requirements are that you earn at least $200,000 a year and can take a credit limit of at least $15,000. Meeting them does not guarantee approval.
Available
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?
This offer has no waiting period. You must be a new Qantas Money Titanium cardholder.
See the waiting rules for every Australian bank →What must I spend?
$5,000 within 90 days — about $1,667 per month.
Can I get the card?
The minimum credit limit is $15,000. This is the least the bank may let you borrow.
You must earn at least $200,000 a year.
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?
I do not have an end date for this offer.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $5,000 in 90 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for gift cards. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $1,200 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $1,200 each year ($1,200 annual fee) — the first year was $1,200.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 1.25x Qantas points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $1,200/yr to you.
What else makes the card useful?
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Card Purchase Cover for new eligible items bought on the card against loss, theft or accidental damage.
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Card Purchase Cover for new eligible items bought on the card against loss, theft or accidental damage.
- Extended Warranty Insurance Compare across cards →Buyer's Advantage Cover extending the manufacturer's Australian warranty on eligible purchases bought on the card.
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Buyer's Advantage Cover extending the manufacturer's Australian warranty on eligible purchases bought on the card.
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →4 visits/year · Qantas First, Qantas Club
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2 single-entry Qantas First Lounge Invitations (SYD, MEL, LAX) plus 2 Qantas Club domestic/International Business Lounge invitations per anniversary year; link the invitation to your flight before travel.
- Flight Discounts Compare across cards →10% discount on the base fare of eligible Qantas/QantasLink flights for up to 2 adults, 2 children and 2 infants per booking, twice per anniversary year, booked via the card's booking portal.
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10% discount on the base fare of eligible Qantas/QantasLink flights for up to 2 adults, 2 children and 2 infants per booking, twice per anniversary year, booked via the card's booking portal.
- Travel Insurance Compare across cards →Up to $15,000 cover · trips up to 180 days
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Complimentary Chubb travel insurance for cardholders and additional cardholders on return trips (up to 180 days overseas / 14 days domestic), with unlimited overseas medical and trip cancellation cover, $250 excess; eligibility requires paying the return airfare/cruise to the card.
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover up to $5,000 per covered person overseas or $3,000 domestic, $250 excess, when the hire is paid to the card (hire under 30 days).
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Rental vehicle excess cover up to $5,000 per covered person overseas or $3,000 domestic, $250 excess, when the hire is paid to the card (hire under 30 days).
- Transit Accident Insurance Compare across cards →Public Transport Accident Cover for accidental death or permanent disablement while travelling on public transport.
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Public Transport Accident Cover for accidental death or permanent disablement while travelling on public transport.
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Dining Benefits Compare across cards →Complimentary Qantas Wine Premium Membership ($99 annual fee waived while primary cardholder): curated wine, Champagne, beer and spirits, free delivery, plus 3 bonus Qantas Points per dollar at Qantas Wine.
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Complimentary Qantas Wine Premium Membership ($99 annual fee waived while primary cardholder): curated wine, Champagne, beer and spirits, free delivery, plus 3 bonus Qantas Points per dollar at Qantas Wine.
Account management
Tools for running the account — repayment helpers, not reward value.
- Concierge Service Compare across cards →Complimentary dedicated concierge for the primary cardholder, available 24/7 by phone for bookings and reservations (Mastercard Travel & Lifestyle Services).
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Complimentary dedicated concierge for the primary cardholder, available 24/7 by phone for bookings and reservations (Mastercard Travel & Lifestyle Services).
- Status Credits Compare across cards →20% bonus Qantas Status Credits for primary and additional cardholders on eligible Qantas-operated and marketed flights booked and paid for with the card.
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20% bonus Qantas Status Credits for primary and additional cardholders on eligible Qantas-operated and marketed flights booked and paid for with the card.
- Digital Wallet Integration Compare across cards →Supports Apple Pay and Google Pay for contactless payments.
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Supports Apple Pay and Google Pay for contactless payments.
- Rewards Program Elite Status Compare across cards →Earn up to 20,000 Qantas Points per year through the Qantas Wellbeing App for everyday activities.
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Earn up to 20,000 Qantas Points per year through the Qantas Wellbeing App for everyday activities.
- Balance Transfer Offers Compare across cards →0% p.a. on balance transfers for 6 months for new cardholders; reverts to the cash advance rate (currently 21.99% p.a.) after 6 months.
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0% p.a. on balance transfers for 6 months for new cardholders; reverts to the cash advance rate (currently 21.99% p.a.) after 6 months.
- Interest Free Periods Compare across cards →Up to 44 interest-free days on retail purchases when the closing balance is paid in full by the due date.
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Up to 44 interest-free days on retail purchases when the closing balance is paid in full by the due date.
- Installment Plans Compare across cards →Pay off eligible statement or transaction purchases in fixed monthly instalments at a special rate over a set term.
This is a repayment plan. It does not add reward value.
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Pay off eligible statement or transaction purchases in fixed monthly instalments at a special rate over a set term.
- Online Banking Features Compare across cards →Qantas Money Credit Cards App and Online Access to view balance, due dates and transactions (iOS 15+/Android 10+).
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Qantas Money Credit Cards App and Online Access to view balance, due dates and transactions (iOS 15+/Android 10+).
$750 in Woolworths gift cards (155,250 of 156,250 Qantas points; 1,000 left over) − $1,200 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer is open now (terms from 13 Oct 2026).
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.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
Signup Bonus
150,000 points
Qantas
Minimum Spend
$5,000
within 90 days (about 3 months)
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$1,200
Ongoing Annual Fee
$1,200
From year 2 onwards
Purchase Interest Rate
20.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (26 changes)
- Extended Warranty InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
Now Up to $15,000 cover · trips up to 180 days.
- Purchase Protection InsuranceUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
- Shopping BenefitsRemoved May 2026
- Installment PlansUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Balance Transfer OffersUpdated May 2026
- Online Banking FeaturesUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Status CreditsUpdated May 2026
- Concierge ServiceUpdated May 2026
- Lounge AccessUpdated May 2026
Was 4 visits/year · Qantas First Lounge, Qantas Club, Qantas International Business Lounge → now 4 visits/year · Qantas First, Qantas Club.
- Flight DiscountsUpdated May 2026
- Status CreditsUpdated May 2026
- Shopping BenefitsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Rewards Program Elite StatusUpdated May 2026
- Dining BenefitsUpdated May 2026
- Installment PlansUpdated May 2026
- Concierge ServiceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Travel InsuranceUpdated May 2026
Now Up to $15,000 cover · trips up to 180 days.
- Lounge AccessUpdated May 2026
Now 4 visits/year · Qantas First, Qantas Club.
- Flight DiscountsUpdated May 2026
Offer terms history (6 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 13 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
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.
- Expiration changed from 01/05/24 to no expiration2 years ago
- Expiration changed from 29/11/23 to 01/05/243 years ago
- Offer extended to 29 November 20233 years ago
- Offer extended to April 20234 years ago
- Offer extend from 28/02/22 to 26/10/225 years ago
Discussion
About the current terms (published 13 Oct 2026).
Community and personal tools
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