titanium

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Credit Cards

Qantas Money

Not a Qantas Frequent Flyer member?
Join here

Titanium credit card

The card that carries more weight

[Image: Titanium-card-overview]

[Image: Qantas Roo]

150K

PTS

Bonus Qantas Points when spending $5,000 or more within 90 days of card approval.1

[Image: Qantas Roo]

1.25

Qantas Points per dollar on Domestic Spend (up to AU$12,500 per statement period)2

10%

Discount on the base fare of eligible Qantas flights for up to 2 adults, 2 children and 2 infants per booking, twice per Anniversary Year via the booking portal3

Qantas First Lounge Invitations4

20%

Bonus Status Credits on eligible flights purchased on your card5

$1,200

Annual fee6

Jump to…

Accelerate your Status Credits

The only credit card to offer 20% bonus Status Credits (to both primary and additional cardholders), when you book and pay for your travel on eligible Qantas flights using your card5.

Learn more

Realise the savings with benefits that reward

Qantas Money Titanium is the card with benefits designed to help you get true value from your membership. With a 10% saving on the base fare of eligible Qantas operated flights3for up to two bookings per Anniversary Year for two adults, two children and two infants on all fare classes (both international and domestic), for example, you have the potential to save thousands on Qantas First international travel. It is just one way your card helps to make the journey even more rewarding. The Qantas Money Titanium credit card is yours for an annual fee of $1,200.6

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The card that carries more weight

A unique metal card that is heavy on benefits including accelerated Status Credits5, flight savings3 and a high earn rate.2

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Complimentary First Lounge Invitations

Make the journey even more enjoyable with two Complimentary Qantas First Lounge Invitations4 and two additional Lounge Invitations per year. They are yours to enjoy with your Qantas Money Titanium Credit Card.

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Exclusive Qantas privileges, rewards and benefits

[Image: Travel insurance card - 720 x 400]Complimentary Travel Insurance With cover that includes medical emergency, travel cancellation and purchase protection. Your additional cardholders are also covered - even when they are not travelling with you7. Learn more [Image: Qantas Wine 720 x 400]Qantas Wine Premium Membership Enjoy a selection of specially curated wine, Champagne, beer and spirits; as well as free delivery with your complimentary Qantas Wine Premium Membership.8 You will also earn an additional 3 points on top of any other Qantas Points earned with your card when you purchase from Qantas Wine using your Qantas Frequent Flyer details. Learn more [Image: My Card Offers - 720x400]Card Offers Make shopping more rewarding by activating offers to earn bonus Qantas Points9 when you shop at your favourite stores. Learn more [Image: Qantas Health Insurance 720 x 400]Qantas Wellbeing Rewards Your Qantas Money Titanium Credit Card offers you another way to increase your points earning potential with up to 20,000 points a year through the Qantas Wellbeing App.10 Download the App to start earning points for everyday activities. Learn more

Uncapped earn rate

The potential to earn uncapped Qantas Points each time you use your Qantas Money Titanium Credit Card on eligible spend both at home and abroad.2

[Image: Qantas Roo]

1.25

Qantas Points per dollar on Domestic Spend (up to AU$12,500 per statement period)2

[Image: Qantas Roo]

PTS

Qantas Points per dollar on International Spend2

[Image: Qantas Roo]

PTS

Additional Qantas Points per dollar on Qantas Spend2

What is the annual fee?

Annual fees table

Primary Cardholder Annual Fee6	$1,200 per year

What are the interest rates?

What are the interest rates?

Retail Purchase Rate	20.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period11	Up to 44 days
Balance Transfers	0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.12 We can't process balances transfers from certain issuers - see our indicative list

Learn more about fees and rates

Enjoy exclusive services to help you manage your card and benefits

[Image: Qantas concierge 720x400]We are at your service Should you require assistance – for instance, with a restaurant reservation or travel booking – your dedicated Concierge is only a phone call away, ready to help.13 Learn more [Image: instalment-plans]Instalment Plans Pay off purchases on your statement in manageable monthly repayments at a special rate over a set term.14 Learn more [Image: Digital wallet capability tile Titanium]Compatible with digital wallets Make safe and contactless payments using Apple Pay & Google Pay. Just load the card to your digital wallet, tap and go. Learn more

[Image: QMCC App Home High Res]

Download the Qantas Money Credit Cards App today.

Designed to work with your Qantas Money Credit Card, get the secure and easy-to-use App from the App Store or Google Play to see your credit card balance, due dates, transactions and more.

[Image: Download from the App Store][Image: Get it on Google Play]

Apply

To apply for the Qantas Money Titanium Credit Card you must:

Earn a recommended minimum income of $200,000 per year
Be at least 18 years old
Be a permanent Australian resident
Have an Australian mobile and residential address
Be a Qantas Frequent Flyer member
Be a new primary cardholder

It should take about 10 minutes, you’ll need these handy:

Australian passport
Foreign passport
Australian Driver Licence

If you do not hold a standard form of personal identification, please call us on 1300 992 700.

[Image: PDF Icon]View the key fact sheet

Apply now

Other cards you may be interested in

[Image: Qantas Money Everyday Card - Promo]Qantas Money Everyday

[Image: Qantas Money Platinum card - promo]Qantas Money Platinum

Compare our cards

Important Information

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

View all important information

Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
Earn rate for the Qantas Money Titanium credit card: 2 Qantas Points per whole AU$1 equivalent on International Spend; 1.25 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$12,500 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$12,500 each Statement Period: plus 2 Additional Qantas Points per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per Qantas Money Titanium primary cardholder Credit Card per Anniversary Year on domestic and international flights operated by Qantas and QantasLink. The Discounted Fare Benefit only applies to the base fare and does not apply to any carrier charges, taxes and other fees that may be included in the total fare price. The base fare is the initial price of the flight amount, and does not include any additional costs such as taxes, fees and other charges. The Discounted Fares Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itinerary. The booking must be made by you through the booking portal available via your Qantas Money Credit Cards App or Online Access and you must pay for the booking in full using your Qantas Money Titanium credit card. The Discounted Fares Benefit is available on all fares including sale class fares, however it cannot be combined with any other offer, discount or promotion unless otherwise specified. The Discounted Fare Benefit is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.
The Qantas Money Titanium Primary Cardholder is entitled to two single-entry Complimentary Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne or Los Angeles and two single-entry Complimentary Lounge Invitations for use at domestic Qantas Club Lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) per anniversary year in accordance with the Qantas Money Titanium Credit Card Benefit Terms and Conditions. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. The Complimentary Lounge Invitation is able to be linked to another passenger travelling with the Primary Cardholder when travelling under the same booking. For Qantas Lounge locations visit here.
The Status Credits Benefits are awarded to the Qantas Frequent Flyer member who holds a Qantas Money Titanium credit card and flies on a Qantas operated and marketed flight booked with a Qantas Money Titanium credit card. Flights must be booked via Qantas.com or the Qantas Contact Centre (not via the Concierge), and the person travelling must be a cardholder. The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership nor can a Platinum One member use the Status Credits to retain the Platinum One membership status. Status Credit Benefits will also not contribute to Lifetime Status, Loyalty bonuses, Platinum Bonus Reward, or Platinum One Member additional benefits and will not be earned in conjunction with other Status Credit promotions unless otherwise specified. The Status Credit Benefits is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.
The standard annual fee, currently $1,200, will be debited to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) occurs and then each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. These fees are subject to change.
Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and is subject to the terms, conditions, excess, limits and exclusions set out in the Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions arranged under a master policy of insurance between Chubb and National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”), the issuer of your card. Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this insurance is right for you, please read the Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions. NAB does not guarantee this insurance.
An annual membership fee of $99 usually applies for Qantas Wine Premium Membership but this will be waived so long as you remain the primary cardholder of Qantas Money Titanium credit card. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. Liquor Act 2007 (NSW): No alcohol can be sold or supplied to anyone under 18. It’s against the law. Licence Number: NSW LIQP770016736, NT IRL0201, SA 57900154.
Participation in My Card Offers is subject to the My Card Offers Terms and Conditions.
The Qantas Wellbeing App is offered by Qantas and you must be a member of the Qantas Frequent Flyer (QFF) program and be 13 years of age or over to use it. Conditions apply and are available at https://insurance.qantas.com/termsofuse. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions available at www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html. Each Qantas Money Titanium Primary Cardholder can earn up to 20,000 Qantas Points in a year through the App as part of this offer. To earn 20,000 points, you must complete the highest daily and weekly challenges, win every weekly group challenge and complete all checks. Qantas Points earned via the App will be credited to your QFF account on a fortnightly basis. Qantas may amend or withdraw this offer including points offers for activities within the App at any time.
The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
Offer commenced 11 February 2019. New Qantas Money Titanium cardholders only. Your total Balance Transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: the 0% p.a. interest rate applies to balances transferred for a period of 6 months. The 6 months promotional period commences once the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time. We can't process balances transfers from certain issuers - see our indicative list
Qantas Money Credit Card Concierge is a complimentary service available to the Primary Cardholder of a Qantas Money credit card. Refer to the Qantas Money Credit Card Rewards Terms and Conditions. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.
Instalment plan offers are subject to eligibility and only available if your account is and remains in good standing (for example - your account is not in default, suspended or closed). Your instalment plan uses part of your existing credit limit. The instalment fee or initial interest charge (whichever is applicable) will be charged on the first statement after the instalment plan is set up and will be included in the minimum payment due. Your monthly instalment will be included in the minimum payment due on each subsequent statement until your instalment plan is repaid. As you pay off your instalment plan, the amount you pay off will become available for you to use again as part of your credit limit and will incur interest at the standard annual percentage rates applicable to your account. For the full terms and conditions of your instalment plan, please refer to Section 5 of the Qantas Money Credit Card Terms and Conditions. If you fail to pay an instalment amount by the due date, you’ll be charged interest on the overdue instalment amount at the retail purchase rate. The interest charged will be added to the minimum payment due on your next statement. The Credit Card Terms and Conditions explain the meaning of overdue instalment amount and how interest is calculated and charged on this amount. We may also cancel your instalment plan. We will tell you if an instalment amount is overdue before we cancel the instalment plan. If your instalment plan is cancelled, the outstanding balance of your statement instalment plan and transaction instalment plan will revert to the retail purchase rate.

The Qantas Money Credit Cards App is owned and operated by NAB and supported on iOS15+ and Android 10+.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://www.qantasmoney.com/credit-cards/titanium/features-and-benefits

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Credit Cards

Qantas Money

Not a Qantas Frequent Flyer member?
Join here

[Image: Titanium - Features and benefits]

Qantas Money Titanium card features & benefits

20%

Bonus Status Credits on eligible flights purchased on your card1

10%

Discount on the base fare of eligible Qantas flights for up to 2 travellers twice a year2

1.25

Qantas Points per dollar on Domestic Spend (up to AU$12,500 per statement period)3

Qantas First Lounge Invitations4

150K

Bonus Qantas Points:
spend $5,000 or more on eligible purchases within 90 days of approval5

$1,200

Annual fee6

Status Credits

[Image: Status Credits card - 720x400]

20% Bonus

Primary and additional cardholders both enjoy next level benefits, with Qantas Money Titanium - the only credit card to offer you 20% bonus Status Credits when you book and pay for eligible Qantas flights using your card1.

Eligibility

You must book a Qantas operated and Qantas advertised flight via qantas.com or via the booking portal.
You must use a Qantas Money Titanium card to pay for your flights (no Points + Pay).

How to earn your bonus Status Credits

Book
Book on Qantas.com or via the booking portal using your Titanium card.
Fly with Qantas
Fly on a Qantas marketed and Qantas operated flight.
Earn
Bonus Status Credits will be awarded to the flyer, and are shown in their Frequent Flyer points history statement 72 hours after flying.

Qantas Flights

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10% Off

Taking credit card benefits to new heights, Qantas Money Titanium offers a 10% discount on the base fare of eligible Qantas operated flights for up to two bookings per Anniversary Year for two adults, two children and two infants on all fare classes (both international and domestic flights). To enjoy your savings, please remember to book your travel through the booking portal on your Qantas Money Credits Cards App or Online2.

Eligibility

Flights must be booked via the booking portal.
Flights must be paid for with your Qantas Money Titanium card.
Offer is available on Qantas and QantasLink operated one-way or return flights for any fare or cabin class, where the full itinerary is Qantas or QantasLink operated.
- If the return flight is not operated by Qantas, the discount will not apply to either flight, even if the outbound flight is operated by Qantas.
Cannot be combined with other offers.
Limited to two times per year, for two people.

How to book

To book your 10% flight, please use the booking portal on your Qantas Money Credit Cards App or Online account. To change your bookings, please visit Qantas.com or call the Qantas Contact Centre on 13 13 13. For further details, please refer to the Qantas Money Credit Card Airline Benefits Terms and Conditions.

Earn rates

1.25

Qantas Points per dollar (up to $12,500) on Domestic Spend3

0.5

Qantas Points per dollar (over $12,501) on Domestic Spend3

[Image: Qantas Roo]

PTS

Qantas Points per dollar on International Spend3

Additional Qantas Points per dollar on Qantas Spend3

Accepted by merchants worldwide, and with our highest earning rate3, the Qantas Money Titanium Mastercard® offers you more potential to earn.

Complimentary Lounge Invitations

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Qantas First Lounge Invitations4

Qantas Club Domestic and International Business Lounge Invitations

Enjoy the Qantas Money Titanium experience with two complimentary Qantas First Lounge Invitations and two additional Lounge Invitations, per year, for use in both Qantas Club Domestic and selected International Business Lounges. To enjoy your invitations, please remember to link your complimentary Lounge Invitation to your eligible flight before you travel4.

Eligibility

First Lounge Invitations can be used at SYD, LAX and MEL international airports.
First Lounge Invitations can be used on any QF numbered flight.
First Lounge Invitations can be linked to a guest who is flying with you. They cannot be transferred to another QFF member travelling separately.
Qantas Club Domestic and International Business Lounge Invitations can be used at any Qantas Club domestic lounge, Qantas International Lounge or Qantas operated International Business Lounge (excluding Los Angeles Tom Bradley Terminal) when departing on a Qantas number. These invitations can be linked to another QFF member.

How to link your passes

Log in to the Complimentary Lounge Invitation Portal.
Ensure this is done at least 24 hours before your booked flight departure.

For further details, please refer to the Qantas Money Titanium Credit Card Benefits Terms and Conditions.

Bonus Qantas Points

[Image: Qantas Roo icon]

150,000 PTS

The rewards really add up with Qantas Money Titanium. Starting with 150,000 bonus points that could be yours when you become a cardholder, then spend $5,000 or more on eligible purchases using your card within 90 days of approval.5 You’ll also enjoy 0% p.a. for 6 months on Balance Transfers. (Reverts to Cash Advance rate after 6 months, currently 21.99%).7 We can't process balance transfers from certain issuers - see our indicative list

Eligibility

You must be a new Qantas Money Titanium cardholder.

How to earn your bonus points

Apply
Successfully apply for a Qantas Money Titanium Credit Card before the offer is withdrawn.
Spend on eligible purchases
Spend $5,000 or more on eligible purchases on your card within 90 days of approval. (Please note: Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold.)
Earn
Bonus Qantas Points will be credited within 6 - 8 weeks of meeting the spend criteria.

Qantas Wine Premium Membership

[Image: Wine]

Enjoy the same wines you experience in flight, at home. Offering a selection of specially curated wine, Champagne, beer and spirits, your Qantas Wine Premium Membership includes free delivery within Australia and an additional 3 points per dollar, on top of any other Qantas Points earned with your card when you purchase from Qantas Wine using your Qantas Frequent Flyer details8.

Eligibility

The primary cardholder must be a Qantas Frequent Flyer and 18 years of age and over.

How to redeem

Get Started
Login to wine.qantas.com using your Qantas Frequent Flyer details to access your Qantas Wine Premium membership or call our Customer Care Team on 1800 505 004 between 8am and 7pm Monday to Saturday (AEST/AEDT).
Discover
Explore our selection of carefully curated wine, Champagne, beer and spirits online with weekly recommendations and specials from our Wine experts.
Enjoy
Purchase from Qantas Wine using your complimentary Qantas Wine Premium membership for free delivery to your home.

Card Offers

[Image: My Card Offers - 720x400]

Make shopping more rewarding with your Qantas Money Titanium credit card and earn bonus points when you shop at your favourite stores9.

Eligibility

You must be a Qantas Money Titanium cardholder.

How to use

Download
Download the Qantas Money Credit Cards App.
Log in
Log into the App and accept the Terms and Conditions.
View an offer
Tap on the ‘Card Offers’ tile. Activate any offers that interest you.
Shop
Meet the criteria of the offer.

Qantas Wellbeing

[Image: Qantas Health Insurance 720 x 400]

Your Qantas Money Titanium Credit Card offers you another way to increase your points earning potential with up to 20,000 points a year through the Qantas Wellbeing App. Download the App at qantas.com/wellbeing to start earning points for everyday activities10.

Eligibility

You must be a Qantas Money Titanium Primary cardholder.
You must install the Qantas Wellbeing App.

How to use

Download the App
Download the Qantas Wellbeing App.
Set up a challenge
Complete the highest daily and weekly challenges and win every weekly group challenge to earn 20,000 Qantas Points.

Dedicated Concierge

[Image: Qantas premier concierge]

Your Qantas Money Credit Card Concierge is at your service, allowing you to book concert tickets or make a restaurant reservation11.

Eligibility

You must be a Qantas Money Titanium primary cardholder.

How to use

Call your dedicated concierge on the number found on the back of your Qantas Money Titanium card, or within the Qantas Money Credit Cards App anytime, 24 hours a day, 7 days a week.

View the full Qantas Money Credit Card Rewards Terms and Conditions.

Complimentary Travel Insurance

[Image: Travel insurance]

When you travel overseas, Qantas Money Titanium offers more reassurance with cover such as medical emergency, travel cancellation, purchase protection and 180 days of coverage on return trips. Additional Qantas Money Titanium cardholders are also covered by Complimentary Travel Insurance12 - even when they are not travelling with you.

Example of what's covered

Overseas travel (up to 180 days with $250 excess)

Unlimited Trip Cancellation and Amendment Cover
Unlimited Overseas Medical Emergency Expenses Cover – $1,250 sub-limit on emergency dental
Trip Delay Cover – up to $750 after 6 hours per covered person, with Extended Delay up to $700 per 24 hour period to a maximum of $3,500
Personal Baggage, Valuables, Money and Documents Cover – up to $15,000 per covered person, with up to $1,000 sub limit for Money and Documents and a maximum total of all Valuables up to of $13,000

Domestic Travel (up to 14 days with $250 excess)

Flight Delays – up to $100 per covered person after 6 hours, with Extended Delay up to $100 per 24 hour period to a maximum of $700
Luggage Delays – up to $100 per covered person after 12 hours, with Extended Personal Baggage Delay up to $100 per 24 hour period to a maximum of $700
Cancellation of Domestic Travel – up to $3,000 per covered person
Personal Baggage, Valuables, Money and Documents Cover – up to $3,000 per covered person, with up to $250 sublimit for Money and Documents; and a maximum total of all Valuables up to $2,500

Rental Vehicle Excess Cover

Up to $5,000 per covered person for overseas trip or up to $3,000 per covered person for domestic trip, with $250 excess

Eligibility

All eligible travellers’ airfares or cruise tickets must be paid for with your primary or additional Qantas Money Titanium Credit Card.
Travel must start and end in Australia.
The Qantas Money Titanium credit card must be open (meaning it must be in-force and valid).
You must be 79 years of age or younger. when purchasing your tickets on the Qantas Money Titanium Credit Card
You must meet the definition of a covered person: the primary or additional cardholder, their spouse, and their legally dependent child(ren).
You must be a Resident of Australia.

Some key exclusions

Pre-existing medical conditions
One-way trips
Travelling against medical or government advice
Certain sports and activities

Please refer to the Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions for the full extent of exclusions and limitations of the policy

How to claim

For emergency assistance, call Chubb Assistance on 1800 055 268 (or +61 2 8907 5666 from overseas), 24 hours a day, 7 days a week
Submit an online claim at Chubb Claims

View the Qantas Money Titanium Credit Card Complimentary Travel Insurance Terms and Conditions for full cover details.

Head to our FAQ page for more information.

Important Information

To view the respective Target Market Determination (TMD) related to these products, please visit the TMD page.

All applications are subject to credit criteria. Fees, charges and Terms & Conditions apply. As part of your application, we will conduct a credit check, which may include a review of your credit history and rating. Making multiple applications in a short period could negatively affect your score and approval chances.

View all important information

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

The Status Credits Benefits are awarded to the Qantas Frequent Flyer member who holds a Qantas Money Titanium credit card and flies on a Qantas operated and marketed flight booked with a Qantas Money Titanium credit card. Flights must be booked via Qantas.com or the Qantas Contact Centre (not via the Concierge), and the person travelling must be a cardholder. The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership nor can a Platinum One member use the Status Credits to retain the Platinum One membership status. Status Credit Benefits will also not contribute to Lifetime Status, Loyalty bonuses, Platinum Bonus Reward, or Platinum One Member additional benefits and will not be earned in conjunction with other Status Credit promotions unless otherwise specified. The Status Credit Benefits is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.
The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per Qantas Money Titanium primary cardholder Credit Card per Anniversary Year on domestic and international flights operated by Qantas and QantasLink. The Discounted Fare Benefit only applies to the base fare and does not apply to any carrier charges, taxes and other fees that may be included in the total fare price. The base fare is the initial price of the flight amount, and does not include any additional costs such as taxes, fees and other charges. The Discounted Fares Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itinerary. The booking must be made by you through the booking portal available via your Qantas Money Credit Cards App or Online Access and you must pay for the booking in full using your Qantas Money Titanium credit card. The Discounted Fares Benefit is available on all fares including sale class fares, however it cannot be combined with any other offer, discount or promotion unless otherwise specified. The Discounted Fare Benefit is subject to change. For full terms and conditions see the Qantas Money Titanium Credit Card Benefit Terms and Conditions.
Earn rate for the Qantas Money Titanium credit card: 2 Qantas Points per whole AU$1 equivalent on International Spend; 1.25 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$12,500 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$12,500 each Statement Period: plus 2 Additional Qantas Points per whole AU$1 on Qantas Spend. Eligible purchases are Eligible Transactions for Domestic Spend, International Spend and Qantas Spend as defined in Qantas Money Credit Card Rewards Terms and Conditions found at www.qantasmoney.com/terms-and-forms.
The Qantas Money Titanium Primary Cardholder is entitled to two single-entry Complimentary Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne or Los Angeles and two single-entry Complimentary Lounge Invitations for use at domestic Qantas Club Lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) per anniversary year in accordance with the Qantas Money Titanium Credit Card Benefit Terms and Conditions. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. The Complimentary Lounge Invitation is able to be linked to another passenger travelling with the Primary Cardholder when travelling under the same booking. For Qantas Lounge locations visit here.
Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
The standard annual fee, currently $1,200, will be debited to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) occurs and then each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. These fees are subject to change.
Offer commenced 11 February 2019. New Qantas Money Titanium cardholders only. Your total Balance Transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: the 0% p.a. interest rate applies to balances transferred for a period of 6 months. The 6 months promotional period commences once the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time. We can't process balances transfers from certain issuers - see our indicative list
An annual membership fee of $99 usually applies for Qantas Wine Premium Membership but this will be waived so long as you remain the primary cardholder of Qantas Money Titanium credit card. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. Liquor Act 2007 (NSW): No alcohol can be sold or supplied to anyone under 18. It’s against the law. Licence Number: NSW LIQP770016736, NT IRL0201, SA 57900154.
Participation in My Card Offers is subject to the My Card Offers Terms and Conditions.
The Qantas Wellbeing App is offered by Qantas and you must be a member of the Qantas Frequent Flyer (QFF) program and be 13 years of age or over to use it. Conditions apply and are available at https://insurance.qantas.com/termsofuse. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions available at www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html. Each Qantas Money Titanium Primary Cardholder can earn up to 20,000 Qantas Points in a year through the App as part of this offer. To earn 20,000 points, you must complete the highest daily and weekly challenges, win every weekly group challenge and complete all checks. Qantas Points earned via the App will be credited to your QFF account on a fortnightly basis. Qantas may amend or withdraw this offer including points offers for activities within the App at any time.
Qantas Money Credit Card Concierge is a complimentary service available to the Primary Cardholder of a Qantas Money credit card. Refer to the Qantas Money Credit Card Rewards Terms and Conditions. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.
Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and is subject to the terms, conditions, excess, limits and exclusions set out in the Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions arranged under a master policy of insurance between Chubb and National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”), the issuer of your card. Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this insurance is right for you, please read the Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions. NAB does not guarantee this insurance.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://www.qantasmoney.com/credit-cards/titanium/fees-and-rates

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Credit Cards

Qantas Money

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Apply for Qantas Money Titanium

Apply for the Qantas Money Titanium Credit Card and receive 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 90 days of approval.1

Apply now

Annual Fees

Primary cardholder annual fee2	$1,200
Additional cardholder fee	$100

Interest rates

Retail Purchase Rate	20.99% p.a.
Cash Advance Rate	21.99% p.a.
Interest-free period3	Up to 44 days
Balance transfers	0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.4

Other fees

Other fees and charges comparison table

Fee type	Amount	When is this fee charged?	How can you avoid the fee?
Additional cardholder fee	$100	Up to 4 cards. Per Additional Cardholder, debited to your Account on the last day of the Statement Period in which an Additional Cardholder is added to your Account or on first use of the Account (whichever is later). If the Additional Cardholder is added to your Account after the first use of the Account and in a Statement Period other than the one in which the anniversary of the day we approved your Account occurs, this will be calculated and debited pro rata in respect of that Additonal Cardholder from the month the Additional Cardholder is added until the month before the anniversary of the day we approved your Account. After that, $100 per Additional Cardholder will be debited each year on the same day as your Annual Fee.
Late payment fee5	$30	Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.	Make sure you pay your bill on time. Sign up for Direct Debit (AutoPay) to pay your bill automatically by direct debit and never miss a payment.
Paper statement fee6	$2	For each paper statement we send you.	Opt in to online statements on the Qantas Money Credit Cards App, Online, or contact us.
International transaction fee	3% of the transaction amount	When you make any purchase or cash advance in: Foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.
Over-the-counter fee7	$2.50	When you make a cash payment at an Australia Post outlet.
Domestic cash advance fee	$3.00 per transaction amount or 3% of the transaction amount whichever is higher	When you make Domestic Cash Advance from your account. Please see the definition of Cash Advance in your product T&Cs booklet.
International cash advance fee8	$5 per transaction	For a Cash Advance outside Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

Important Information

To view the respective Target Market Determination (TMD) related to these products, please visit the TMD page.

View all important information

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of card approval. Eligible purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your account needs to be in good standing (for example - your account is not in default, suspended or closed) for bonus points to be awarded. Offer may be varied or withdrawn at any time.
The standard annual fee, currently $1,200, will be debited to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) occurs and then each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. These fees are subject to change.
The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
Offer commenced 11 February 2019. New Qantas Money Titanium cardholders only. Your total Balance Transfers may not exceed 80% of your credit limit. Before making a Balance Transfer consider the following important information: the 0% p.a. interest rate applies to balances transferred for a period of 6 months. The 6 months promotional period commences once the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click here. Offer may be varied or withdrawn at any time. We can't process balances transfers from certain issuers - see our indicative list
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due. The Late Fee is debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. The Minimum Payment Due and any Over Due Amount and Payment Due Date are detailed on your statement.
Manage your statement delivery preference on the Qantas Money Credit Cards App, Online, or contact us for assistance. A $2 fee applies every time a paper statement is issued. This may be waived in limited circumstances.
This fee will be debited to your account when you choose to make a payment at Australia Post.
The international transaction fee applies in addition to the international cash advance fee.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://wine.qantas.com/termsandconditions

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Qantas Wine Terms and Conditions

Effective 1 August 2025

These Qantas Wine Terms are effective from the date of publication shown above and may be amended from time to time.

By using the Website, setting up a Member Account, applying for Premium Membership or making any purchase of Products on the Website, you agree to be bound by these Qantas Wine Terms (as amended from time to time). These Qantas Wine Terms create a contract between you and Qantas Wine.

1. Definitions

In these Qantas Wine Terms, unless the context otherwise requires:

Accepted Payment Card means a VISA, MasterCard, American Express, ApplePay or charge card which a Member uses to make a payment to Qantas Wine, or such other form of card payment as approved by Qantas Wine from time to time.

Benefits means any of the goods, services, discounts, offers or arrangements offered or made available to Members from time to time by Qantas Wine or Qantas as a result of Premium Membership.

Bonus Points means bonus or additional Points awarded to Members in addition to any applicable Points per dollar spent.

Change of Mind Return has the meaning given to that term in clause 15.1.

Consequential Loss means any loss of profits, loss of revenue, loss of opportunity or any other indirect loss.

Coupon Codes or Special Offers means any promotional codes or special offers that offer a discount on the total price of a Product or Event, or other benefit, that are communicated to Members through email, mail or any other communication channel.

Damaged Goods Return has the meaning given to the term in clause 15.1.

Eligible Product has the meaning given to that term in clause 10.1(a).

Eligible Purchase means the purchase of Products by a Member in accordance with these Qantas Wine Terms.

Eligible QFF Member means a member of the QFF Program (who is not a Premium Member) who is over 18 years of age and has an Australian delivery address.

Event means any event or promotion which is advertised on the Website or is otherwise communicated to Members through email or mail marketing communication, for which Qantas Wine offers tickets (Event Tickets) to Members.

Event Tickets has the meaning given to that term in the definition of Event.

GST means any goods and services tax, value added tax or sales tax imposed on the sale or supply of goods, services and rights including but not limited to a tax imposed by the A New Tax System (Goods and Services Tax) Act 1999 (Cth) and the related imposition Acts of the Commonwealth.

Including means including without limitation.

Losses means all liabilities, losses, damages, costs and expenses.

Member means an Eligible QFF Member or a Premium Member (as the case may be) who has or is proposing to transact on the Website.

Member Account has the meaning given in clause 3.1.

Non-Excludable Terms has the meaning given to that term in clause 21.1.

Order means an order for Products placed in accordance with clause 7.

Points means points in the QFF Program.

Premium Member means a natural person who holds a Premium Membership.

Premium Membership means the membership made available by Qantas Wine in accordance with clause 4 and referred to by Qantas Wine as ‘Premium Membership’.

Premium Membership Special Offer has the meaning given to that term in clause 4.2.

Products means all goods and services offered for sale by Qantas Wine from time to time on the Website.

Qantas means Qantas Airways Limited (ABN 16 009 661 901).

Qantas Group means Qantas and its related bodies corporate, as defined in the Corporations Act 2001 (Cth), including Qantas Wine.

Qantas Group Company means a company in the Qantas Group from time to time.

Qantas Wine means Qantas Frequent Flyer Operations Pty Limited (ABN 22 132484 210).

Qantas Wine Business means the business known as ‘Qantas Wine’ (or any replacement name) which is operated by Qantas Wine.

Qantas Wine Terms means these terms and conditions.

QFF Member means a natural person who is a member of the QFF Program.

QFF Membership means membership of the QFF Program.

QFF Program means the loyalty program currently known as the Qantas Frequent Flyer program, which is operated by or on behalf of Qantas.

QFF Terms means the terms and conditions of the QFF Program, as amended from time to time.

Service Centre means the service centre for the Qantas Wine Business, which can be accessed by telephoning - 1800 505 004 Monday to Saturday (excluding national public holidays in Australia) between 8am – 7pm AEST/AEDT.

Special Offers see the definition of Coupon Codes.

Subscription Products means Products which are available to a Member as pre-arranged periodic deliveries over a period of time as selected by that Member and confirmed in the Member’s Order.

Supplier means any person or company contracted by Qantas Wine or Qantas from time to time to provide services in connection with the Qantas Wine Business or Membership, including but not limited to the delivery or supply of Benefits or Products.

Third Party Products means goods or services acquired from third parties as described in clause 21.2.

Website means www.qantas.com/wine.

2. Responsible Service of Alcohol

2.1 It is against the law to sell or supply alcohol to, or to obtain alcohol for or on behalf of, a person under the age of 18 years.

2.2 By ordering alcohol or liquor Products, the Member warrants that:

(a) the Member is 18 years of age or older;

(b) any person that the Member is obtaining the Products for, or supplying the Products to, is 18 years of age or older; and

(c) any person that is receiving the alcohol or liquor Products at the specified delivery address is 18 years of age or older.

2.3 It is a condition of purchase that the Member making the purchase verifies that they are 18 years of age or over and that all the details provided in the Order are true and correct. If a Member does not confirm that they are 18 years or over, their Order will not be processed.

2.4 Qantas Wine may cancel any Order, or refuse to supply Products, if it is not reasonably satisfied that the requirements in clause 2.2 are satisfied, or if Qantas Wine otherwise reasonably considers that the supply would breach any laws or regulations applicable to supply of liquor.

3. Member Account

3.1 The Website offers an ‘Account’ facility to all Members (Member Account) which can be used to view and edit information, order history, order status’ and perform certain functions, relating to their Account.

3.2 Each Member must advise Qantas Wine of any changes of name, address, email, phone or other Member Account information as soon as practicable after the change by updating the information via the Website or by contacting the Service Centre.

3.3 Qantas Wine is not responsible for any loss, damage or claims which are caused by the Member’s failure to update or provide accurate information in accordance with this clause 3.

3.4 Updates made to the Member Account will not be transferred to the Member’s QFF Membership account and the Member must update his or her QFF Membership account separately.

4. Premium Membership

4.1 Eligibility

(a) A person is only eligible to be a Premium Member if he or she is a QFF Member and is 18 years of age or older.

(b) Premium Membership will terminate automatically on the death of a Premium Member.

4.2 Issue of Premium Membership

(a) Premium Memberships are currently only being issued on a complimentary basis through special offers by Qantas Wine, Qantas or participating third party partners of Qantas (Premium Membership Special Offers). Other applications for a Premium Membership are currently not being accepted.

(b) Qantas Wine may limit the number of Premium Members from time to time.

4.3 Cancellation of Premium Membership

(a) A Premium Member may request cancellation of their Premium Membership at any time by contacting the Service Centre. Qantas Wine will action such requests within 30 days.

(b) If a Member's entitlement to Premium Membership ends, under the terms of any Premium Membership Special Offer or under clause 4.3(c), Qantas Wine may cancel the Premium Membership.

(c) If Qantas Wine has reasonable grounds to suspect that a Premium Member is not eligible for Premium Membership, has committed a material breach of these Qantas Wine Terms or has failed to pay any money due to any Qantas Group Company, whether intentionally or otherwise, then Qantas Wine may cancel that Member’s Premium Membership.

(d) If Qantas Wine intends to take action under clause 4(c), it will notify the Premium Member of its intention and the reason for that action. The Premium Member will then have 14 days to respond to this notice by rectifying the breach (where possible) and providing any reason why Qantas Wine should not take action (provided that Qantas Wine may suspend Premium Membership until any review is completed). Qantas Wine will review the response and advise the Premium Member of its decision.

(e) In addition to the rights above, if Qantas Wine decides to terminate the Premium Membership offering, Qantas Wine may terminate the Premium Membership of any Premium Member by giving reasonable prior notice to the Premium Member where practicable.

4.4 Premium Membership is personal

Each Premium Membership is personal and non-transferable. Premium Members must not:

(a) permit third parties that are not Premium Members to access Benefits; or

(b) permit any person to access their Member Account.

4.5 Benefits

(a) Qantas Wine may from time to time modify, add or remove Benefits at its absolute discretion. Qantas Wine will advise Premium Members of any material changes to the Benefits by publishing the changes on the Website.

(b) It is the responsibility of Premium Members to ensure they are familiar with the available Benefits, including changes to Benefits, by visiting the Website.

4.6 Points Club Members

Points Club members will receive complimentary Qantas Wine Premium membership for the duration of their Points Club membership. Points Club Plus members will receive complimentary Qantas Wine Premium membership, plus an additional 10% discount on marked prices at Qantas Wine on all products, excluding Penfolds, for the duration of their Points Club Plus membership. 10% discount will be applied at checkout and cannot be used in conjunction with any other promotional offer or voucher code, except for the Points Club Plus birthday vouchers. Vouchers will be in My account when you attain or retain Points Club or Points Club Plus. Each voucher is valid for a single use only. Any remaining balance not used in that transaction will be forfeited. Vouchers must be entered manually at checkout and cannot be combined. Exclusions: Voucher cannot be used to purchase beer or premix products. Your complimentary Qantas Wine Premium membership and its benefits will automatically be applied to your account. For more information on Points Club visit qantas.com/pointsclub

5. Products

5.1 Qantas Wine will use reasonable endeavours to ensure that all Products that are displayed for sale on the Website are available for purchase. If a Product is ordered but is not available, Qantas Wine and Qantas will either (in Qantas Wine's discretion):

(a) endeavour to supply a substitute Product of equivalent value or:

(b) refund the amount paid for the Product by the Member by either crediting that Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used, to purchase the Product, or both, as the case may be and deduct the number of Points credited to the Member’s QFF Program account in connection with the purchase of payment of the applicable Product.

5.2 Qantas Wine may at any time, without advance notice to Members withdraw, limit, modify, or cancel the availability of a Product, or modify the amount payable for or Points required to redeem for Products (as applicable). Products are strictly limited in number, may be offered for a limited time and are offered while stocks last. Qantas Wine may also restrict or limit the quantity of Products available for purchase in Qantas Wine's absolute discretion.

5.3 Bonus points available on selected cases only. The selected cases can change at any time.

5.4 All wine brands in the Sustainable Sips program hold Sustainable Winegrowing Australia Certification. Certified wineries have been independently audited against the Australian wine industry sustainability standard. While this means that practices within the winery meet the industry sustainability standard, there is no guarantee that all grapes used to make the wine have been sourced from a certified sustainable vineyard.

6. Subscription Products

6.1 Purchase of Subscription Products

By purchasing a Subscription Product, the Member consents to:

(a) Qantas Wine storing the Member’s payment information, either directly or through a third-party payment provider, to allow for payment of the required instalments; and

(b) Qantas Wine initiating payment for the agreed instalments with the Member’s nominated default payment method for the duration of the Subscription Product, unless the Member otherwise cancels their Subscription Product in accordance with these terms.

6.2 Cancellation of Subscription Products

(a) If a Member has purchased a Subscription Product and notified Qantas Wine that they wish to cancel that Subscription Product, Qantas Wine and Qantas will:

(i) cancel all scheduled direct debits for that Subscription Product;

(ii) refund any payment taken by Qantas Wine for Subscription Products not yet dispatched by Qantas Wine by either crediting that Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used to pay for the Subscription Product, or both, as the case may be; and

(iii) deduct the number of Points credited to the Member’s QFF Program account in connection with the purchase of any undelivered Subscription Products.

(b) Orders for Subscription Products can be cancelled or modified until the relevant cut-off date specified by Qantas Wine in its notification which is sent to the Member prior to dispatching each periodic delivery of Subscription Products.

6.3 Suspension of Subscription Products

(a) If a Member has purchased a Subscription Product and that Member notifies Qantas Wine prior to the cut-off date referred to in clause 6.2(b) in accordance with the terms of the applicable the Subscription Product that they wish to cancel the next scheduled delivery or deliveries, but not cancel the Subscription Product entirely, that request shall be treated as a “suspension” of the Subscription Product. Qantas Wine will not make any further debits from the Member’s account and will not make any further deliveries in respect of the suspended Subscription Product until receiving further notice from the Member, or until the period of time requested by the Member has lapsed.

(b) If Qantas Wine is unable to debit the purchase price for any periodic delivery of the Subscription Product from an Accepted Payment Card stored on the Member Account (including due to the stored card having expired or been cancelled or suspended, or there being insufficient funds in the card account, or due to Accepted Payment Card details having been deleted from the Member Account), then Qantas Wine will suspend the Subscription Product and notify the Member of the suspension. Qantas Wine will not attempt to make any further debits from the Accepted Payment Card for the suspended Subscription Product and will not make any further deliveries of the suspended Subscription Product, until the Member provides Qantas Wine with updated payment information by contacting the Service Centre.

6.4 Bonus Points

Members who have a Wine Subscription will earn bonus points if they retain the same Wine Subscription for four consecutive orders of the same case. Bonus points are contingent on the nominated Wine Subscription plan. Points will be credited to the member's Qantas Frequent Flyer account within 6 weeks of the final order delivery date.

7. Ordering

7.1 Your contract for the purchase of liquor Products is with Qantas Wine, holder of liquor licence numbers NSW LIQP770016736, NT IRL0201, SA 57900154 attached to premises at 10 Bourke Road, Mascot NSW 2020 (the Licensed Premises).

7.2 The sale of liquor pursuant to the offer to purchase from the Website is made at our Licensed Premises. All Orders are subject to acceptance by Qantas Wine at the Licensed Premises, certification and evidence of you being over 18 years of age, and the availability of stock specified in the Order. 7.3 Qantas Wine will only accept orders for Products from current Eligible QFF Members. Members may purchase Products by placing orders for those Products using the ordering process available on the Website (Order). Products are not for resale or resupply.

7.4 Delivery of Qantas Wine Orders is not available to any postcodes within the Northern Territory.

7.5 Qantas Wine may reject an Order, acting reasonably :

(a) if Qantas Wine reasonably believes the Member has placed the Order for the purposes of reselling or resupplying Products;

(b) if Qantas Wine is not able to deliver the Order due to circumstances outside of its reasonable control (including, for example, where the delivery address cannot be safely accessed);

(d) if the delivery address of the Order is located in the Northern Territory

7.6 If any Product is listed with the incorrect price, quantity of included items, and/or number of Points that may be earned in connection with acquisition of that Product, and Qantas Wine reasonably considers that the mistake should have been obvious to Members acting reasonably, then Qantas Wine and Qantas may cancel any Order placed by a Member for the Product and:

(a) refund the amount paid for the Product by the Member by either crediting that Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used, or both, as the case may be; and

(b) deduct the number of Points credited to the Member’s QFF Program account in connection with the purchase of the Product.

7.7 Orders for Products that are not Subscription Products cannot be cancelled or modified after that Order has been received and processed by Qantas Wine and/or the Supplier.

8. Price and payment

8.1 The money amount payable and Points required to be redeemed to obtain a Product will be displayed on the Website and may be varied prior to purchasing the Products without advance notice to Members. All prices displayed on the Website are in Australian dollars and include Goods & Services Tax (GST) where applicable.

8.2 The Products specified in an Order will not be dispatched until the payment from the Accepted Payment Card has been authorised by the relevant merchant bank or Qantas Wine has confirmed that the Member has the required number of Points in their QFF Program account at the time the Order is made to redeem the Product, as the case may be.

8.3 Other than for Subscription Products which must be paid for using an Accepted Payment Card, Members may only purchase Products through the Website by either redeeming Points or using an Accepted Payment Card, or a combination of both.

8.4 For Orders made by redeeming Points, the Points redeemed for Products will be deducted from a Member’s QFF Program account at the time of Qantas Wine accepting the Order and the deduction will be reflected in the Member’s QFF Program activity statement.

8.5 If a Member has stored the details of an Accepted Payment Card in their Member Account, the Member may update or delete these details by logging into their Member Account on the Website or by contacting the Service Centre.

9. Coupon Codes and Special Offers

9.1 Qantas Wine and Qantas may send Coupon Codes or Special Offers to Members through standard promotional channels to which the Member is subscribed. Coupon Codes and Special Offers are not transferable and a limit of use may apply, as set out in the applicable terms and conditions communicated to the Member. Certain Coupon Codes or Special Offers may not be used in conjunction with any other offer. Coupon Codes and Special Offers may be available to all or selected Members only from time to time.

9.2 Any terms and conditions applicable to any Coupon Code or Special Offer will be communicated to the Member. Coupon Codes and Special Offers will have an expiry date that will be advised.

9.3 Qantas Wine may cancel or suspend an Order using a Coupon Code or Special Offers if Qantas Wine reasonably believes the use of the Coupon Code or Special Offer to be fraudulent, or otherwise in contravention of the Qantas Wine Terms or the coupon or offer terms. This includes where a Coupon Code or Special Offer was shared through social media or otherwise provided to an individual through unauthorized channels.

10. Orders that earn Points

10.1 Members

(a) A Member may earn the specified Points (including any applicable Bonus Points), for Product purchases made by that Member using an Accepted Payment Card or by redeeming Points through the Website, or by a combination of both, for eligible Products as specified by Qantas Wine from time to time (Eligible Products).

(b) The number of Points earned (if any) for Eligible Products will be at the rate advertised on the Website at the time of purchase but will not include any delivery fees payable. If, however, any Product is listed with an incorrect number of Points that may be earned in connection with acquisition of the Product, and Qantas reasonably considers that the mistake should have been obvious to Members acting reasonably, then Qantas Wine may:

(i) credit the QFF Program account of any Member who has purchased the Product with only the correct number of Points; or

(ii) deduct from the QFF Program account of any Member who has purchased the Product the number of Points credited to the account in error.

(c) If Points are earned on Eligible Products that have been discounted, the number of Points earned will be on the discounted price not on the original price of the respective Eligible Products.

(d) Members will not be entitled to Points in relation to any Eligible Products that are cancelled, refunded or returned.

(e) Qantas may cancel or deduct the number of Points that were awarded in relation to cancelled, refunded or returned products or services including in relation to any Bonus Points earned on purchases where such Eligible Products are cancelled, refunded or returned.

(f) Points may take up to six weeks from the date an Order is accepted to be credited to a Member’s QFF Program account.

(g) Qantas may:

(i) refuse to award Points or Bonus Points; or

(ii) cancel or deduct the number of Points or Bonus Points that were awarded,

if Qantas Wine reasonably believes the applicable transaction to be fraudulent, not made in good faith, or that the awarding of Points or Bonus Points is otherwise in contravention of these Qantas Wine Terms.

10.2 Qantas Business Rewards

(a) Certain Members who are associated with a Qantas Business Rewards account as specified on the Website at the time of purchase, may earn Points in the Qantas Business Rewards when they make an Eligible Purchase, Eligibility criteria may apply and will be published on the Website.

(b) A Member may earn Points in their Qantas Business Rewards account, including any applicable Bonus Points, only for successful payments made by that Member using an Accepted Payment Card.

(c) The number of Points earned (if any) for Eligible Products will be at the rate advertised on the Website at the time of purchase but will not include any delivery fees payable. If Points are earned on Eligible Products that have been discounted as part of a Special Offer, the number of Points earned will be on the discounted price not on the original price of the respective Eligible Products.

(d) Points will not be awarded in relation to any Eligible Products that are cancelled, refunded or returned.

(f) Points may take up to six weeks from the date an Order is accepted to be credited to a Member’s Qantas Business Rewards program account.

(g) Qantas may refuse to award Points or Bonus Points, or cancel or deduct the number of Points or Bonus Points that were awarded, where Qantas Wine reasonably believes the applicable transaction to be fraudulent, or that the awarding of Points or Bonus Points is otherwise in contravention of these Qantas Wine Terms.

(h) In addition to these Qantas Wine Terms, the Qantas Business Rewards terms and conditions apply to any purchase made with a Qantas Business Rewards membership. The Qantas Business Rewards terms and conditions can be found here: https://www.qantas.com/au/en/business-rewards/terms-and-conditions.html

11. Redemption of Points through the Website

11.1 In addition to the Points required to be redeemed for any Product, Members must pay all identified surcharges, charges, fees, GST and taxes.

11.2 Points cannot be converted to or exchanged for money.

11.3 There is no fixed relationship between the cash price charged by Qantas Wine for the payment of Products or Event Tickets and the Points required to redeem these items through the Website. Qantas Wine does not give any warranty or make any representation in relation to the underlying value of any Benefits or Products.

11.4 Members must direct any enquiries regarding discrepancies in Points redeemed for Benefits or Products to the Service Centre within six months of the date of the relevant transaction.

12. Delivery

12.1 Qantas Wine will only deliver Products to addresses within Australia, excluding any postcodes located in the Northern Territory. Members are responsible for ensuring that the address details provided are correct and up to date, and Qantas Wine is not liable for any loss to the Member due to incorrect or out of date address details.

12.2 Qantas Wine will deliver all Orders free of charge to Premium Members within Australia. Delivery fees for all other Orders will be at the rates set out below. Qantas Wine will use reasonable endeavours to deliver Orders in the timeframes set out below, other than for Subscription Products for which the Member will be notified of an approximate date for each periodic delivery in advance of that delivery being dispatched.

(a) Location: Metro NSW, VIC & QLD $9.90 (or 1,722 Points) delivery fee per order, 1-4 business days delivery time

(b) Location: Metro SA, $9.90 (or 1,722 Points) delivery fee per order, 4-8 business days delivery time

(c) Location: Regional NSW, VIC, SA, QLD & ACT, $14.90 (or 2,591 Points) delivery fee per order, 3-10 business days delivery time

(d) Location: Country NSW, VIC, SA, QLD & ACT, $19.90 (or 3,461 Points) delivery fee per order, 3-10 business days delivery time

(e) Location: WA, TAS, $19.90 (or 3,461 Points) delivery fee per order, 3-10 business days delivery time

The delivery timeframes are from dispatch. Orders placed before 11am will be dispatched the next business day.

12.3 Members acknowledge that the delivery timeframes set out above are estimates only, and that in some cases, deliveries may take longer than the estimated timeframes (for example, during peak periods). To the extent permitted by law, Qantas Wine accepts no liability for any late delivery.

12.4 If Qantas Wine becomes aware that an Order has not been delivered within a reasonable time from when it was placed (as determined by Qantas Wine, acting reasonably), Qantas Wine will investigate and use reasonable endeavours to address the cause of the delay, and provide all necessary updates to the Member where practicable.

12.5 All deliveries of Products will be performed by a Supplier on behalf of Qantas Wine, including but not limited to Australia Post. The terms and conditions of the relevant delivery Supplier will also apply to the delivery.

12.6 Qantas will not process deliveries to certain locations in Queensland, South Australia or Western Australia which may prohibit or restrict the possession or transportation of alcohol. For a list of excluded delivery locations, see https://www.qld.gov.au/firstnations/community-alcohol-restrictions/remote-discrete-communities, https://www.cbs.sa.gov.au/news/liquor-restrictions-in-south-australia, https://www.dlgsc.wa.gov.au/racing-gaming-and-liquor/liquor/liquor-restrictions/liquor-restrictions-section-175 and https://www.dlgsc.wa.gov.au/racing-gaming-and-liquor/liquor/liquor-restrictions/liquor-restrictions-section-64.

12.7 Delivery occurs when:

(a) possession of the Products passes to a person over the age of 18 at the delivery address specified in the Order; or

(b) if the delivery Supplier is unable to deliver the Products in accordance with the instructions in the applicable Order, the Products are delivered to the nearest Post Office and a delivery note is left at the delivery address.

12.8 If a Member has instructed Qantas Wine to leave the Products unattended at the delivery address, the applicable delivery Supplier may, in its discretion, refuse to leave Products unattended if it does not consider the delivery location to be secure or otherwise appropriate.

12.9 If the delivery Supplier is unable on the first attempt to deliver the Products to the specified delivery address, including where the applicable delivery Supplier determines that it is unable to safely deliver the Products, the Supplier will deliver the Products to the nearest Post Office and notify the Member. Qantas Wine reserves the right to charge additional handling costs and freight charges if alternate delivery instructions are required.

12.10 Liquor Products will not be delivered if doing so may make Qantas Wine or the delivery Supplier liable for any breach of liquor legislation including, but not limited to, the Liquor Act 2007 (NSW). This includes where the person accepting delivery of the order appears to be:

(a) intoxicated or affected by alcohol or a prohibited substance; or

(b) under the age of 18 years; or

(d) accepting the order on behalf of a minor; or a person who is otherwise considered inappropriate to receive the order.

12.11 If there is any doubt about whether delivering the liquor Products may make Qantas Wine or the delivery Supplier liable for a breach of liquor legislation including, but not limited to, the Liquor Act 2007 (NSW), the Products will not be delivered and clause 12.7 will apply.

12.12 Qantas Wine is not responsible for any Losses related to deliveries being made to incorrect or incomplete addresses provided by Members either directly at the time of making an Order or due to a failure by the Member to specify the current and correct delivery address in his or her Member Account. In such circumstances, the Member assumes responsibility for the entire purchase and, if the delivery is refused or unable to be completed by the applicable Supplier, then additional handling costs and freight charges will be applied to a request for re-delivery.

13. Title and Risk

13.1 With the exception of delivery occurring in accordance with clause 12.7(b), title and risk in all Products passes to the Member on delivery.

13.2 In respect of Products delivered in accordance with clause 12.5(b):

(a) risk passes to the Member at the time of delivery; and

(b) title passes to the Member at the time the Products are collected from the Post Office by the Member or nominated individual on behalf of the Member.

14. Warranty

Qantas Wine excludes all implied terms (other than the Non Excludable Terms) in relation to the supply of the Products. Except as set out in these Qantas Wine Terms, Qantas Wine makes no warranties or representations in relation to the Products.

15. Product returns

15.1 Qantas Wine will accept Product returns for a change of mind (Change of Mind Return) or where items were damaged or faulty upon delivery (through no fault of the Member) (Damaged Goods Return), provided that the Member lodges a return request through our Returns Portal within 30 days of receipt of the Product to request and authorise the return. Returns will only be accepted if the Member has a sufficient Points balance to allow for the deduction from their account of any Points that were awarded in connection with the Order being returned. Once your request is assessed and approved, you will get a confirmation email with returns instructions and shipping guidelines.

15.2 A Change of Mind Return will only be permitted if the Product is unopened and returned to Qantas Wine in the condition in which it was received by the Member. In the case of a Change of Mind Return:

(a) Qantas Wine may (but is not obliged to) provide the Member with return shipping free of charge. Otherwise, the Member will be responsible for the return shipping; and

(b) Qantas Wine will provide the Member with a full refund of the purchase price (excluding any delivery charges that were paid on the order).

15.3 In the case of a Damaged Goods Return:

(a) Qantas Wine will provide the Member with return shipping free of charge; and

(b) Qantas Wine will provide the Member with the option of either a full refund of the purchase price (including any delivery charges that were paid on the order) or a like-for-like replacement of the Product, where available.

15.4 Products will not be processed for replacement or refund of either money or Points unless prior authorisation for return by the Service Centre is provided to the Member. The Service Centre will authorise the return of a Product where it is obliged to do so under the Non Excludable Terms and otherwise where it is satisfied that the Member is entitled to an replacement or refund under this clause 15.

15.5 All Products authorised for return by the Service Centre must be returned to the return location specified by the Service Centre in the condition in which they were received and in their original packaging (or, where it is not practicable to use the original packaging, in other packaging reasonably acceptable to Qantas Wine).

15.6 Refunds will be processed only after receipt and inspection of the returned Product and receipt of all Points awarded in connection with the returned Product. If a refund is processed by Qantas Wine, Qantas Wine and Qantas will:

(a) refund the amount paid for the Product by the Member by either crediting the Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used, or both, as the case may be; and

(b) reverse any credit of Points (including Bonus Points) credited to the Member’s QFF Program account for the Order.

15.7 If a replacement Product is requested and authorised by Qantas Wine, instead of a refund, Qantas Wine will dispatch the replacement Product at no further cost to the Member.

16. QFF Terms

The QFF Terms apply to QFF Membership including the earning, retention and redemption of Points by Members, including all Points earned or redeemed for Products, Events, Event Tickets or Premium Membership in accordance with these Qantas Wine Terms.

17. Changes to the Qantas Wine Terms

Qantas Wine will notify Members of any material changes to these Qantas Wine Terms by publishing the changes on the Website. Where any change to these Qantas Wine Terms will be materially adverse to Members, as reasonably determined by Qantas Wine, Qantas Wine will provide reasonable prior notice of the change where practicable.

18. Customer Obligations

18.1 A Member must not:

(a) act in any way which breaches these Qantas Wine Terms;

(b) abuse or misuse any Benefits or Coupon Codes or Special Offers, Products, services (including Product Returns) or arrangements accorded to the Member;

(i) engage in illegal, dishonest or fraudulent activities;

(ii) supply or attempt to supply false or misleading information, or make a misrepresentation to Qantas Wine or Qantas;

(iii) act in a hostile, abusive or aggressive way towards Qantas Wine or Qantas staff; or

(d) exploit (or attempt to exploit) any obvious errors on the Website (including but not limited to technical glitches and the type of errors specified in clauses 7.7 and 10.1(b) to the detriment of any Qantas Group Company or any other person.

18.2 If Qantas Wine has reasonable grounds to suspect a Member has committed a material breach of these Qantas Wine Terms, or has failed to pay any money due to any Qantas Group Company, whether intentionally or otherwise, then Qantas Wine and Qantas may:

(a) cancel any Order and, except to the extent the Member owes any money to Qantas:

(i) refund the amount paid for the Product(s) by the Member by either crediting that Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used, or both, as the case may be; and

(ii) deduct the number of Points credited to the Member’s QFF Program account in connection with the purchase of the Product(s);

(b) refuse to supply any Product to the Member; or

19. Events

19.1 Event details

(a) From time to time Qantas Wine may advertise Events (or other events) on the Website for Members to purchase tickets to attend. Some Events may be exclusive to Premium Members.

(b) Qantas Wine may at any time, without advance notice to Members, withdraw, limit, modify, cancel or increase the availability or cost of Event Tickets. Event Tickets are strictly limited in number, may be offered for a limited time and are offered while stocks last.

19.2 Purchasing Event Tickets using Accepted Payment Card

(a) Members may purchase Event Tickets for themselves and their guests through the Website either by redeeming Points, or by making a payment using an Accepted Payment Card. A Member cannot purchase Event Tickets using a combination of Points and payment by an Accepted Payment Card.

(b) For Premium Member exclusive Events, Qantas Wine will only accept Orders for Event Tickets from current Premium Members whose Premium Membership has not been suspended or cancelled.

(c) Additional terms and conditions apply to all Event Tickets and Event Ticket purchases and will be disclosed to the Member at the time of purchase. By purchasing an Event Ticket, the Member agrees to comply with those additional terms and conditions.

19.3 Purchasing Event Tickets by redeeming Points

If a Member wishes to purchase Event Tickets by redeeming Points, the Member must have the required number of Points to redeem the selected Event Tickets in their QFF Program account at the time of purchase. Points redeemed for Event Tickets will be deducted from a Member’s QFF Program account at the time of purchase and the deduction will be reflected in the Member’s QFF Program activity statement.

19.4 Eligibility

(a) Unless otherwise expressly stated, all Event attendees must be 18 years of age or older.

(b) Points will be credited to the QFF Program account of the Member who pays for Event Tickets using an Accepted Payment Card. Points cannot be credited to the account of another QFF Member.

(c) A Member will earn Points at the rate advertised on the Website at the time the relevant transaction is made. Qantas Frequent Flyer members who are not Qantas Wine Premium members will earn 1 Qantas Point per dollar spent and Qantas Wine Premium members will earn 3 Qantas Points per dollar spent on Eligible Products and Services purchased through qantas.com/wine. Qantas Points can be earned on cash only purchases and the cash component of Points Plus Pay purchases on eligible products. The earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Allow up to 6 weeks for Qantas Points to appear in your Qantas Frequent Flyer account.

19.5 Transfer and refund

(a) Event Tickets are transferable up to 48 hours prior to the Event, unless otherwise specified by Qantas Wine.

(b) Unless otherwise specified by Qantas Wine, Event Tickets will not be refunded unless the Event is cancelled. If an Event is cancelled, Qantas Wine will:

(i) use reasonable endeavours to notify the Member as soon as practicable via email;

(ii) refund the amount paid for the Event Tickets by the Member by either crediting the Member’s QFF Program account for the Points redeemed, or crediting the Accepted Payment Card used, to purchase the Event Tickets, as the case may be; and

(iii) deduct the number of Points credited to a Member’s QFF Program account (if any) in connection with the purchase of for the applicable Event Tickets.

19.6 Photography at Events

(a) By purchasing an Event Ticket, Members acknowledge that a photographer may be present at the relevant Event and that the Member and his or her guest (if any) may be photographed.

(b) Photographs taken at an Event are the sole property of the Qantas Group and any Qantas Group Company has the right to use, amend, crop, adapt, modify, exploit, reproduce, communicate, distribute or publish any such material publicly on the Website and any media (including banners/signage/posters, magazine, Internet, or other digital or print formats).

(c) Members consent to photographs being taken of them and their guest(s) for the purposes described in this clause 19.6 and acknowledge they will not be entitled to any monetary or other compensation for such use.

20. Material and information on the Website

20.1 Qantas Wine information

Qantas Wine will use reasonable endeavours to ensure that information included by or on behalf of Qantas Wine on the Website is complete and accurate. However, to the extent permitted by law, Qantas Wine accepts no liability for the lack of completeness or accuracy of such information.

20.2 External Sites

The Website may contain links to, or frame, websites of third parties (External Sites). Links to, or framing of, External Sites should not be construed as any endorsement, approval, recommendation or preference by Qantas Wine of the owners or operators of the External Sites, or for any information, products and services offered or referred to on the External Sites, unless the endorsement, approval, recommendation or preference is expressly indicated on the Website. Qantas Wine makes no warranty and accepts no liability in relation to material contained on External Sites.

20.3 Intellectual property

(a) The material contained on the Website is protected by copyright. A Member must not use, copy, modify, transmit, store, publish, distribute or create derivative works of the material on the Website, without obtaining the prior written consent of Qantas Wine.

(b) Trade marks (whether registered or unregistered) and logos used on the Website must not be used or modified in any way without obtaining the prior written consent of Qantas Wine.

(c) The Website and products, technology and processes contained on it may be the subject of other intellectual property rights owned by the Qantas Group, Suppliers or third parties. Members’ use of the Website must not in any way infringe the intellectual property rights of any person.

(d) A Member must not:

(i) use any device, software, routine or any other method to interfere or attempt to interfere with the proper working of the Website; or

(ii) take any action that imposes a burden or load on the Website not authorised by Qantas Wine or that is unreasonable or disproportionate to the benefits Qantas Wine obtains from that Member’s use of the Website.

21. Liability

21.1 Consumer protection legislation

(a) Qantas Wine acknowledges that the Competition and Consumer Act 2010 (Cth), the Fair Trading Act 1987 (NSW) and other equivalent legislation implies or imposes statutory guarantees, conditions or warranties into contracts for the supply of goods or services to consumers that cannot be excluded (Non Excludable Terms). Nothing in these Qantas Wine Terms (including the exclusions and limitations in this clause 21) is intended to exclude or restrict the application of Non Excludable Terms. As such, nothing in these Terms affects any rights a Member may have and which by law cannot be excluded; however, to the extent permitted by such legislation, any such liability of Qantas Wine is limited to the cost of supplying the goods or services again.

(b) Other than the Non Excludable Terms, Qantas Wine excludes all implied terms in relation to the supply of Benefits or Products.

21.2 Third party products

The Benefits may include the ability to acquire goods or services from third parties (Third Party Products) that are not, or on terms that are not, available to persons that are not Members. The provision of Third Party Products will be subject to the terms and conditions of the applicable third party suppliers. Qantas Wine excludes all liability in relation to Third Party Products.

21.3 Taxes and charges

(a) Members are responsible for any costs, charges, taxes, claims or other liabilities (including any applicable fringe benefits tax) arising from receipt of the Benefits or in relation to any Third Party Products.

(b) Qantas Wine recommends that Members consult their accountant or tax adviser to ensure that they understand possible tax (including fringe benefits tax) implications, if any, related to their use of this Website.

21.4 Benefit of terms

If a Supplier or any Qantas Group Company suffers or incurs Losses as a result of a Member’s breach of these Qantas Wine Terms and Qantas Wine would have been able to recover those Losses if they were suffered or incurred by Qantas Wine, then Qantas Wine will be able to recover those Losses as if those Losses were suffered or incurred by Qantas Wine.

22. Termination by Qantas Wine or Qantas

22.1 Qantas Wine may terminate or cease to operate the Qantas Wine Business and Qantas may terminate or cease to operate the QFF Program, at any time at their discretion.

22.2 Qantas Wine and Qantas will use their best endeavours to give Members as much notice of any termination referred to in clause 22.1 as is reasonably practicable in the circumstances.

23. Personal information

23.1 Each Member acknowledges that Qantas Wine and Qantas collect, use and disclose information about the Member, in order for Qantas Wine and Qantas to carry out the activities set out in these Qantas Wine Terms. The information about such use in this clause 23 should be read alongside the Qantas Privacy Policy, which contains more detailed information about how a Member’s personal information is processed and used by Qantas Wine and Qantas.

23.2 Qantas Wine and Qantas may collect and use personal information about each Member, and may disclose such personal information to any Supplier or other person (including a Qantas Group Company, agent or contractor of Qantas Wine or Qantas or any Supplier):

(a) to provide the products and services described in these Qantas Wine Terms;

(b) for research, marketing, product development and planning purposes, including to provide the Members with updates and offers (if the Member has chosen to receive these);

(c) to operate and facilitate participation in the QFF Program, including to award Points, track benefit accrual and redemption activities and to confirm a Member’s eligibility for, and providing any products and services associated with the Qantas Wine Terms; and

(d) for the purposes of any third party providing services to any Qantas Group Company, in connection with the administration of the Qantas Wine Business or the QFF Program.

23.3 It is a condition of Premium Membership that each Premium Member consents and authorises Qantas Wine and Qantas to collect and use the information collected by Qantas Wine or Qantas in relation to that Premium Member, and disclose it to any Supplier and any other person (including any Qantas Group Company agent or contractor of Qantas Wine or Qantas or any Supplier), for the purposes of:

(a) Qantas Group Company providing services (directly or through a Supplier) in connection with the Qantas Wine Business or the Premium Membership, including the supply of Benefits or Products or the awarding of Points, or the QFF Program;

(b) Qantas Group Company improving Qantas customer service, including by means of research, marketing, product development and planning;

(d) any third party providing services to any Qantas Group Company or Premium Members in connection with the administration of the Qantas Wine Business or the QFF Program.

23.4 If the Member does not provide all or any part of the requested information, the services and products provided to that Member by Qantas Wine and Qantas, may be affected.

23.5 Qantas Wine, Qantas and any Supplier will not otherwise disclose a Member’s personal information without that party’s consent unless disclosure is either necessary to prevent a threat to life or health, authorised or required by law, reasonably necessary to enforce the law or necessary to investigate a suspected unlawful activity.

23.6 Qantas Wine and Qantas will provide a Member with access to and the ability to correct their personal information held by Qantas Wine or Qantas on request by that Member.

23.7 Further information on how Qantas handles personal information is contained in the Qantas Privacy Policy. Members can contact us as set out in that policy or by writing to Group Privacy Officer, Qantas Customer Care at 10 Bourke Road, Mascot, NSW, 2020. Only the Member named on the account will be entitled to access their Membership information.

23.8 This clause 23 survives the termination of these Qantas Wine Terms and the termination or suspension of the Qantas Wine Business.

24. General

24.1 The Website may be used for a Member’s personal non-commercial use only and not for any commercial use. Benefits, including Event Tickets and Products (as applicable), may not be acquired for commercial use.

24.2 If part or all of these Qantas Wine Terms are illegal, invalid or unenforceable then they will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible, it will be severed from these Terms and Conditions and the remaining provisions will continue to apply.

24.3 The Qantas Wine Terms are governed by and will be construed in accordance with the laws applicable in New South Wales. Any action or other legal process in connection with these terms must be instituted and carried on only in the appropriate court in Australia.

24.4 Qantas Wine recommends that alcohol only be consumed in moderation. Liquor Act 2007 (NSW): No alcohol can be sold or supplied to anyone under 18. It’s against the law. Licence Number: NSW LIQP770016736 NT IRL0201, SA 57900154.

Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

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Qantas Frequent Flyer Program Terms and Conditions Privacy

Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html

Complimentary Lounge Invitations terms and conditions

These terms and conditions govern Complimentary Lounge Invitations

Effective 1 July 2026

Introduction

1.1 These Terms and Conditions govern Complimentary Lounge Invitations.

1.2 Eligible Customers are responsible for complying with these Terms and Conditions.

1.3 These Terms and Conditions are effective from the date of publication shown above and may be amended from time to time.

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Introduction

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introduction

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Definitions

2.1 In these Terms and Conditions, unless the context otherwise requires:

Lounge invitation definitions

Yes

Not applicable

Term

Definition

Invitation

means a Complimentary Lounge Invitation sent by Qantas or through an authorised third party to an Eligible Customer for Lounge Access.

Eligible Customers

means customers who have received a Complimentary Invitation directly from Qantas, received via direct transfer from another Eligible Customer, or through an authorised third party.

Eligible Flights

means the flight(s) specified in the Complimentary Lounge Invitation and excludes Group Bookings and industry discounted flights used by airline employees and beneficiaries.

Eligible Lounge

means the relevant departure lounge specified in the Complimentary Lounge Invitation.

Lounge Access

means access for Eligible Customers to an Eligible Lounge before the next onward Eligible Flight on that day.

Portal

is the Complimentary Lounge Invitation portal where Complimentary Lounge Invitations may be viewed and linked to an Eligible Flight.

Qantas (also referred to as 'us')

means Qantas Airways Limited ABN 16 009 661 901.

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Definitions

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definitions

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Using an invitation

3.1 Invitations are sent to Eligible Customers at Qantas' absolute and sole discretion and Qantas can withdraw Invitations at any time. Invitations are only for Eligible Customers and Eligible Customers cannot bring guests, including children.

3.2 Eligible Customers who have received an Invitation will be able to view it in the Complimentary Lounge Invitation Portal. The Portal may include information about:

(a) Eligible Flights,
(b) Eligible Lounges, and
(c) Conditions relating to the use of the Complimentary Lounge Invitations.

3.3 Eligible Customers must link the Invitation to an Eligible Flight in the Portal at least 24 hours prior to flight departure. Invitations can only be used and linked once. It is the responsibility of Eligible Customers to ensure that they link their Invitation correctly and no changes can be made after Invitations have been linked, unless specified otherwise in these Terms and Conditions.

3.4 Once an Invitation has been linked to an Eligible Flight, Eligible Customers will receive an email confirmation which must be presented at the Eligible Lounge together with the boarding pass for the Eligible Flight.

3.5 It is the responsibility of the Eligible Customer to review lounge location and operating hours prior to arrival at the airport.

3.6 Invitations cannot be reinstated and are forfeited where the Eligible Customer has had a change of mind ('no show') and does not access the lounge on the day of the Eligible Flight.

3.7 Eligible Customers can access the Eligible Lounge on the day of the Eligible Flight, before departure. Lounge access is subject to space availability and Eligible Customers may be refused entry if the lounge is full. A reinstatement of the Complimentary Lounge Invitation is permitted in this situation. Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.

3.8 Complimentary Invitations can only be transferred by an Eligible Customer to a passenger(s) travelling on the same flight as the pass holder. This excludes Platinum One lounge passes.

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Using an invitation

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Unlinking a Complimentary Invitation - changes by an Eligible Customer

4.1 If an Eligible Customer changes the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.2 If an Eligible Customer cancels the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

4.3 Invitations will become invalid and will be forfeited:

(a) when an Eligible Customer changes or cancels an Eligible Flight within 24 hours of scheduled departure;
(b) when an Eligible Customer links an Invitation to an Eligible Flight but does not access the Eligible Lounge; or
(c) on expiry of the Invitation.

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Unlinking a Complimentary Invitation - changes by an Eligible Customer

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Unlinking a Complimentary Invitation - changes by Qantas

5.1 If Qantas changes the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.2 If Qantas cancels the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.

5.3 If Qantas changes the Eligible Flight within 24 hours of scheduled departure, the Invitation will be automatically linked to a new Eligible Flight.

5.4 If Qantas cancels the Eligible Flight within 24 hours of scheduled departure, Eligible Customers can request for the Invitation to be reinstated.

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Unlinking a Complimentary Invitation - changes by Qantas

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Expiry

6.1 The expiry date of an Invitation can be found in the Portal.

6.2 Invitations must be used before the expiry date.

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Expiry

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expiry

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Accessing the Eligible Lounge

7.1 Lounge Access is subject to these Terms and Conditions and to the Lounge entry terms and conditions.

7.2 Where Eligible Customers are declined Lounge Access due to capacity or operational reasons, they may request for a reinstatement of the Invitation, which is at Qantas' reasonable discretion.

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Accessing the Eligible Lounge

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access

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Other Conditions

8.1 Invitations cannot be sold or exchanged for Cash or Qantas Points.

8.2 Qantas may withdraw Invitations at any time if an Eligible Customer materially breaches these Terms and Conditions or the Lounge entry terms and conditions.

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Other Conditions

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges.html?_gl=11krep46_gcl_awR0NMLjE3NDY0MDg3MTEuQ2owS0NRandvTnpBQmhEYkFSSXNBTGZZOFZQb0Jkb1FodjFjd1VtQlJBa3BqV0EtSmdiQW1hQU5oN1FramNrZUVZYmFNX2l5WXlMRGtxSWFBcGFRRUFMd193Y0I._gcl_dcR0NMLjE3NDY0MDg3MTEuQ2owS0NRandvTnpBQmhEYkFSSXNBTGZZOFZQb0Jkb1FodjFjd1VtQlJBa3BqV0EtSmdiQW1hQU5oN1FramNrZUVZYmFNX2l5WXlMRGtxSWFBcGFRRUFMd193Y0I._gcl_auMTA2OTMwNjEuMTc0NzI2MzE5MA.._gaMTM5NTgwNTA3NC4xNzIzNjc5MzYz_ga_N74YKP81KD*czE3NTEzNDAxMjEkbzE0MiRnMSR0MTc1MTM0MDg5MSRqNjAkbDAkaDA

[Image: Adelaide Domestic Business Lounge]

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Airport lounges

Relax and unwind before your next flight. Enjoy exclusive access to a large selection of Qantas and partner lounges worldwide.

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Lounge locations

Planning to visit a Qantas lounge before your flight? Explore our lounge locations below.

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Qantas and partner airport lounges

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Lounge locations

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Investing in our lounges

As we continue to invest in our lounge network, many of our lounges will be undergoing changes to bring you a refreshed Qantas lounge experience.

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Big adventures start in Sydney

We’ve partnered with LEGO Australia to build a new Joey Club zone in the Sydney Qantas Club, a dedicated space for our youngest travellers to explore. Designed for ages 18 months and above, this thoughtfully built zone invites curious minds and busy hands to create and play before takeoff.

The space features a LEGO® DUPLO® brick pit with build challenges alongside gaming stations offering a selection of fun mini games. A dedicated quiet zone includes a cosy book nook and colouring tables with aviation and Australian animal themed activities. Plus, create memorable moments at the start of your journey with plenty of playful photo opportunities.1

Find out more about the Sydney Qantas Club

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[Image: Render of Sydne International Business Lounge]

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Sydney International Business Lounge

Construction is underway on our new Sydney International Business Lounge, set for completion in early 2027. Inspired by Sydney's natural landscape, from the Blue Mountains to Bondi, the new lounge will include a refreshed food and beverage menu, a 30% increase in seating and a new outdoor terrace with views of Sydney's skyline.

During this time, the lounge has moved to a temporary space located near gate 24. In peak periods, you may be reaccommodated in an alternative lounge.

Find out more about the Sydney International Business Lounge

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[Image: Hobart Qantas Club]

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Hobart Qantas Club

Plans are underway for a new Qantas Club in Hobart, due to open in early 2027. With a modern design inspired by the Tasmanian landscape, the new lounge will feature significantly more space, increased seating with more power outlets, and views of the runway.

The lounge is temporarily closed while construction progresses on the Hobart Airport terminal redevelopment. During the closure period, light refreshments will be available near gates 8 and 9.

Find out more about the Hobart Qantas Club

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[Image: Broome regional lounge]

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Refreshed Regional Lounges

Our Regional Lounge refresh program is now complete across our lounge network, following the reopening of our Emerald Regional Lounge in August 2026.

The refreshed lounges feature distinctive new colour palettes inspired by each region's natural landscapes, modern furnishings, improved seating and additional charging points throughout. Eligible customers can now enjoy more comfortable spaces across our Coffs Harbour, Devonport, Emerald, Gladstone, Kalgoorlie, Karratha, Mackay, Rockhampton and Tamworth Regional Lounges.

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[Image: The Los Angeles Business Lounge]

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Now open

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The Los Angeles Business Lounge

Our refresh of The Los Angeles Business Lounge is now complete. Inspired by Californian sunsets, coastal hues and palm tree lined avenues, the lounge features new furniture and flooring throughout. We’ve also enhanced the dining area and added more power outlets, creating a more comfortable and connected pre-flight experience.

Explore The Los Angeles International Business Lounge

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[Image: Auckland International Lounge now open]

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Now open

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Auckland International Lounge

Our Auckland International Lounge is now open. The redesigned lounge offers increased seating capacity, barista made coffee and a refreshed food and beverage offering showcasing the best of New Zealand food and wine.

Explore the Auckland International Lounge

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Investing in our lounges

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Accessing the lounge

Access to lounges is based on the class of travel, your Qantas Frequent Flyer membership tier, or your Qantas Club, one world or Emirates membership status. You can also use a Complimentary Lounge Invitation, buy a single-visit Qantas Lounge Pass if available or join the Qantas Club.

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Lounge access

Whether you're travelling on an eligible travel class, have a Qantas or affiliated membership, or want to bring a guest, find out about your access options across our lounges.

Learn more about lounge access

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[Image: Passengers at the buffet in the lounge]

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Qantas Club memberships

Join the Qantas Club and start every trip in the lounge with a choice of yearly or pay-as-you-go memberships. Find a membership that suits the way you travel.

Discover the benefits

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[Image: Sydney Qantas Club, lady drinking a coffee]

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Qantas Lounge Passes

Make your upcoming flight even more enjoyable with single-visit access to some of the best lounges in Australia and around the world.

Manage or buy lounge passes

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Dress guidelines

We look forward to welcoming you to our lounges, an exclusive space for our customers. Please be aware that the dress code is smart casual, which includes appropriate footwear.

Find out about dress guidelines

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Accessing the lounge

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access

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Our lounge experience

Dine from seasonal menus, help yourself to a selection of wines, beers and more, and sink into a comfortable seat before it’s time to board. Our network of lounges offers a range of facilities to get your trip off to a flying start.

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[Image: Adelaide Domestic Business Lounge]

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Dining in our lounges

Start your culinary journey before boarding and enjoy the best of Australian produce. Enjoy handcrafted dishes, light snacks and a full range of refreshments at our lounges.

Explore dining and refreshment options

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[Image: Adelaide Domestic Business Lounge]

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Working from the lounge

Relax whilst you reconnect online or catch up on work, with access to free Wi-Fi available in all our Qantas lounges.

Discover business facilities

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[Image: Aesop product bottles]

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Aesop in our First lounges

Refresh and revitalise your skin with a curated selection of Aesop skincare and amenities available in our First lounge shower suites and bathrooms.

Explore First lounges

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[Image: Alchemist product bottles]

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Grown Alchemist in our Business lounges

Freshen up with a premium selection of hair and body care essentials by Grown Alchemist in our Business lounge shower suites and bathrooms.

Explore Business lounges

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Facilities

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facilities

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Important information

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If you are a Qantas Platinum Frequent Flyer or Gold Frequent Flyer member (equivalent to the oneworld Emerald or Sapphire tiers), or you are travelling in a First or Business Class cabin on any oneworld member airline (excludes oneworld connect partners), you can access more than 650 airport lounges throughout the world. To be eligible, you must be departing on a flight that is both marketed and operated by a one world member airline. Visit our oneworld alliance page for more information, eligibility requirements and lounge locations.

Entry to the Qantas lounges is subject to lounge entry terms and conditions.

Entry to non-Qantas branded lounges is subject to the operators’ eligibility and entry requirements.

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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html

Lounge entry terms and conditions

Entry into a Qantas branded lounge is subject to the following terms and conditions.

Effective 1 July 2026

Eligibility

1.1 Qantas Lounge access eligibility is conditional and based on the class of travel for your next onward flight, the Frequent Flyer Membership tier or your Qantas Club membership status.

1.2 Eligible guests can access the lounge once only for an onward flight and must be accompanied by the eligible customer.

1.3 Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.

1.4 Qantas staff have the discretion to refuse entry to person at any time if, in their reasonable opinion, the person has not or will not comply with these terms and conditions, or the refusal is necessary or convenient for the orderly operation of the lounge or other facilities or the safety or comfort of others.

1.5 Smart, casual dress standards apply as a minimum at all times and entry may be refused if customers do not meet that standard. Bare feet or clothing with offensive images or slogans are not acceptable. In addition, individual lounges may have rules regarding specific items of clothing which are not acceptable. Individual lounge managers will have discretion to administer these standards as they reasonably deem appropriate in the circumstances.

1.6 You may be required to show identification when entering the lounge to confirm your eligibility. For example you may be required to show your Qantas Club membership card or photo identification.

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Eligibility

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eligibility

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Lounge etiquette

2.1 Lounge operating hours are subject to change and are determined by Qantas in its absolute discretion.

2.2 When in the lounge, you must be respectful to all staff, other customers and guests.

2.3 You’re responsible for ensuring you have enough time to board your flight.

2.4 You must adhere to Qantas Dress Guidelines to enter the lounge.

2.5 While in the lounge, children under 18 years must be accompanied by an adult at all times.

2.6 Customers under the legal drinking age must be accompanied by an adult in any Qantas operated lounge. Legal drinking age may vary in different jurisdictions and countries.

2.7 Responsible service of alcohol requirements apply:

(a) You must not drink excessively.
(b) Unruly behaviour (including due to the consumption of alcohol) isn’t acceptable.

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Lounge etiquette

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lounge-etiquette

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General

3.1 Personal information is collected upon entry and a condition of entry is that you acknowledge Qantas will collect and use the information you provide to Qantas for the purpose of Qantas or any of its related bodies corporate providing services to you, including for:

(a) operational and safety reasons; and
(b) to assess Qantas Lounge access eligibility.

This information may be transferred to or from Australia for these purposes. If all or any part of requested information is not provided, the relevant services may be affected. For more information of Qantas’ Privacy Policy, including how to access your information, refer to qantas.com.

3.2 All federal, state and/or territory laws and regulations applicable to the lounge location will apply, including laws, regulations and additional conditions that are applicable to hospitality venues.

3.3 You are liable for any loss or damage Qantas incurs as a result of your wilful or reckless damage to the lounge and any furnishings or equipment, except to the extent that Qantas has contributed to the loss or damage.

3.4 To the extent permitted by law, Qantas shall not be liable to any lounge user for any direct or indirect loss, damage, personal injury, property damage or expense that may be incurred in connection with access to the lounge (including any such loss, damage, injury or expense suffered in connection with the supply of goods or services by third parties), save to the extent such loss or damage arises directly from any breach of these Terms and Condition or the law, negligence or wilful misconduct by Qantas.

3.5 Qantas acknowledges that certain jurisdictions’ laws imply terms, conditions or warranties into contracts for the supply of goods or services that cannot be excluded. For example, for consumers in Australia, certain services come with statutory guarantees under the Competition and Consumer Act 2010 (Cth) that they will be provided with due care and skill and be reasonably fit for their purpose. Clause 3.4 is not intended to exclude or restrict the application of such laws.

3.6 Individual lounge opening hours may vary by location.

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General

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general

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Lounge invitations

4.1 If you've received a Complimentary Lounge Invitation, refer to the Complimentary Lounge Invitation terms and conditions for more information.

4.2 If you've purchased a Qantas Lounge Pass, refer to the Qantas Lounge Pass terms and conditions for more information.

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Lounge invitations

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lounge-invitations

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The Qantas Club

5.1 Refer to The Qantas Club terms and conditions and the Qantas Club Flexible terms and conditions for more information on eligibility.

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The Qantas Club

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the-qantas-club

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Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf

Correct as at 8 September 2025 Description of credit card This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009 . Product Name Qantas Money Everyday Credit Card Qantas Money Platinum Credit Card Qantas Money Titanium Credit Card Minimum credit limit $4,000 $6,000 $15,000 Minimum repayments You must pay the Minimum Payment Due by the Payment Due Date each month as advised in your statement. The Minimum Payment Due is:

the greater of: (a) $25, or if the Card Balance as at the end of the Statement Period is less than $25, the Card Balance; or (b) 2.00% of the Card Balance as at the end of the Statement Period (rounded up to the nearest dollar);
plus any Monthly Instalment, Initial Interest Charge, Instalment Fee or related interest on any of them, that is part of an Instalment Plan for that Statement Period. Interest on purchases* 20.99% p.a. 20.99% p.a. 20.99% p.a. Interest-free period Up to 44 days for the Retail Purchase Balance. Interest on cash advances 21.99% p.a. 21.99% p.a. 21.99% p.a. Balance transfer interest rate* Please refer to the interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you. Annual fee* $99 $399 $1,200 Late payment fee $30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. There may be circumstances in which you have to pay other fees. A full list of current fees can be obtained from qantasmoney.com/ credit-cards/platinum/fees-and-rates for Qantas Money Platinum, qantasmoney.com/credit-cards/everyday/fees-and-rates for Qantas Money Everyday, and qantasmoney.com/credit-cards/titanium/fees-and-rates for Qantas Money Titanium. For more information on choosing and using credit cards visit the ASIC consumer website at moneysmart.gov.au The terms on which this credit card is offered can change over time. You can check if any changes have been made by contacting us on 1300 992 700 . *Promotional offers may apply. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. QCC17948_(0725) Key facts about these credit cards

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Rewards_Terms.pdf

Qantas Money Credit Card Rewards Terms and Conditions — Qantas Money Everyday Credit Card — Qantas Money Platinum Credit Card — Qantas Money Titanium Credit Card Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. NAB is also the provider of the rewards program in these Terms and Conditions.

Table of Contents Introduction 3

Meaning of Words 3
Participation 6
Earning Qantas Points 7
Limitations on and loss of Qantas Points 9
Redeeming Points 11
Government Taxes, Duties and Charges 11
General 11
Special Features and Special Promotions 13
Concierge Services 13
Card Offers 15

3 Introduction These Terms and Conditions should be read in conjunction with the Qantas Money Credit Card Terms and Conditions and explain how Qantas Points can be earned using your Account . These Terms and Conditions will apply to you if you have been issued with a Card as the Primary Cardholder and that Card is used to earn Qantas Points . We instruct Qantas to credit your Qantas Frequent Flyer Membership Account with Qantas Points , based on spend on Eligible Transactions . These terms are to be read in conjunction with, and are not designed to replace or alter, the Qantas Frequent Flyer Terms and Conditions . The Qantas Frequent Flyer Terms and Conditions can be found at qantas.com/terms . Qantas Frequent Flyer is owned and operated by Qantas Airways Limited ABN 16 009 661 901.

Meaning of Words When you see these words used in these Terms and Conditions, this is what they mean: Account means your unsecured credit facility with us . Additional Cardholder means another person who you have authorised to have a Card on your Account . Additional Qantas Points or Bonus Qantas Points means Qantas Points available on certain Eligible Transactions in addition to the standard Earn Rate , and Qantas Points available through Special Promotions . Card means any credit card issued by us for use on your Account , including a physical or digital card. Cardholder means you and/or any Additional Cardholder . Card Offers means the offers provided to Cardholders as described in clause 10 of these Terms and Conditions. Claims mean any actions, suits, arbitrations, demands, verdicts, judgments, dues, costs and claims.

4 Concierge Services means the concierge services provided to Primary Cardholders as described in clause 9 of these Terms and Conditions. Consequential Loss means any loss or damage suffered by a party which is indirect or consequential, loss of revenue, loss of profits, loss of goodwill or credit, loss of use, loss of data, damage to credit rating, loss or denial of opportunity, or increased overhead costs. Domestic Spend means any Eligible Transaction where the scheme tells us that the merchant and its financial institution/payment processor are located or registered within Australia. Earn Rate means the rate at which you earn Qantas Points on Eligible Transactions , as set out in clauses 3 and 4. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Instalment Plans, Balance Transfers, Special Promotions , BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points , transactions made to invest in shares or other financial products or for crypto currency related transactions, and government related transactions. Government related transactions include transactions with government or semi- government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity or an investment in shares, and therefore not an Eligible Transaction, even if that merchant or transaction

5 is not in fact a government related entity or an investment company. International Spend means any Eligible Transaction where the scheme tells us that either the merchant or financial institution/payment processor is located or registered overseas. NAB/our/us/we means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686), the credit provider and issuer of Qantas Money Credit Cards under agreement with Qantas Airways Limited ABN 16 009 661 901. Primary Cardholder means the person in whose name the Account is held and who is responsible for all transactions on the Account . Qantas means Qantas Airways Limited ABN 16 009 661 901, its successors and assigns. Qantas Frequent Flyer means the loyalty program known as the Qantas Frequent Flyer program. Qantas Frequent Flyer Membership Account means the Qantas Frequent Flyer account opened in the name of the Primary Cardholder , to which Qantas Points earned by Eligible Transaction s will be credited. Qantas Frequent Flyer Terms and Conditions means the terms and conditions of Qantas Frequent Flyer as amended from time to time and located at qantas.com/terms . Qantas Spend means the following Eligible Transactions when paying with your Qantas Money Credit Card: • flights booked directly through qantas.com and Qantas Contact Centres; • Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; • purchases of Qantas Frequent Flyer membership; • purchases of Qantas Club membership, joining and annual fees; • purchases of Qantas Gift Vouchers; • purchases made from Qantas Wine and at the Qantas Rewards Store.

6 Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but exclusions are not limited to) purchases made with Jetstar or shopping.qantas.com . In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas . This means that the purchase would not be considered as Qantas Spend. Qantas Points means the points earned by Cardholders on Eligible Transactions , or on Special Promotions which the Rewards Program instructs Qantas to credit to the Primary Cardholder’s Qantas Frequent Flyer Membership Account , and which are subject to the Qantas Frequent Flyer Terms and Conditions . Rewards Program means the rewards program offered by us and provided in conjunction with the Card as described in these Terms and Conditions. Special Feature means any feature or Special Promotion related to the Card we identify as a Special Feature . Special Promotions means a special promotional offer made by us from time to time. Statement Period means the period to which a statement applies, usually about 30 days. you/your means the person in whose name the Account is opened. All other capitalised terms used in these Terms and Conditions have the same meaning as in the Qantas Money Credit Card Terms and Conditions. 2. Participation 2.1 You accept these Terms and Conditions on first use or activation of your Account or any Card issued in connection with your Account . These

7 terms are to be read in conjunction with, and are not designed to replace or alter, the Qantas Frequent Flyer Terms and Conditions which can be found at qantas.com/terms . 2.2 You are eligible to earn Qantas Points and participate in the Rewards Program , provided that: (a) You are a Qantas Frequent Flyer member; (b) Your Account entitles you to participate; and (c) You are not a corporation, firm, partnership or any other such legal entity. 2.3 By participating in the Rewards Program , you authorise us and Qantas to seek, collect, use, store, share or disclose to each other or to third parties for the purpose of your participation in the Rewards Program , information about Eligible Transactions , adjustments to your Account as a result of reimbursements, disputed transactions and refunds or other changes, your Qantas Points and the conduct of your Account . 3. Earning Qantas Points 3.1 Qantas Points will only be credited to a Qantas Frequent Flyer Membership Account in your name, even if the Qantas Points being credited were earned from an Additional Cardholder’s Eligible Transactions . For the avoidance of doubt, spend by an Additional Cardholder on the additional Card will not accrue Qantas Points in the name of the Additional Cardholder . 3.2 Once credited to your Qantas Frequent Flyer Membership Account , the Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions , as amended from time to time and located at qantas.com/terms . 3.3 Qantas Points are awarded in respect of Eligible Transactions as set out in the table below. The number of Qantas Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction .

8 Card Type Domestic Spend Earn Rate International Spend Earn Rate Qantas Spend Earn Rate Qantas Money Everyday Credit Card 0.75 Qantas Points for each whole Australian Dollar spent up to and including $3,000 each Statement Period and 0.4 Qantas Points for each whole Australian Dollar spent thereafter. 1 Qantas Point for each whole Australian Dollar spent. 1 Additional Qantas Point for each whole Australian Dollar spent, in addition to the Domestic Spend and/or International Spend Earn Rates . Qantas Money Platinum Credit Card 1 Qantas Point for each whole Australian Dollar spent up to and including $10,000 each Statement Period and 0.5 Qantas Points for each whole Australian Dollar spent thereafter. 1.5 Qantas Points for each whole Australian Dollar spent. 1 Additional Qantas Point for each whole Australian Dollar spent, in addition to the Domestic Spend and/or International Spend Earn Rates .

9 Card Type Domestic Spend Earn Rate International Spend Earn Rate Qantas Spend Earn Rate Qantas Money Titanium Credit Card 1.25 Qantas Points for each whole Australian Dollar spent up to and including $12,500 each Statement Period and 0.5 Qantas Points for each whole Australian Dollar spent thereafter. 2 Qantas Points for each whole Australian Dollar spent. 2 Additional Qantas Points for each whole Australian Dollar spent in addition to the Domestic Spend and/or International Spend Earn Rates . 3.4 It will take up to 60 days after an Eligible Transaction has been processed by us for Qantas Points to be credited to your Qantas Frequent Flyer Membership Account , or such other period as we may communicate to you from time to time. 3.5 At the end of your Statement Period , the Qantas Points earned during that period on your Account , will be displayed via Online Access. 4. Limitations on and loss of Qantas Points 4.1 You will only earn Qantas Points on Eligible Transactions , or as otherwise advised under a Special Promotion . 4.2 If you or an Additional Cardholder receives a refund or reimbursement (for example returned goods or services), a chargeback is made to your Account , or where Qantas Points were incorrectly credited to your Account , the Qantas Points relating to that reversal will be deducted from your Qantas Frequent Flyer Membership Account .

10 4.3 Qantas Points have no monetary value, are not transferable by you to another Rewards Program offered by us and cannot be redeemed for cash. 4.4 Acting reasonably, we may determine that you will not earn Qantas Points on your Card , and any Qantas Points that you have already earned and that we have not yet instructed Qantas to credit to your Qantas Frequent Flyer Membership Account will not be credited, if: (a) You are in material breach of your Qantas Money Credit Card Terms and Conditions; (b) Your Account is suspended; (c) We reasonably suspect you (or an Additional Cardholder ) are operating your Account fraudulently; (d) Your Account is closed or cancelled (whether by us or by you ), including if you cease to be a member of Qantas Frequent Flyer ; or (e) We receive notification that you have passed away. 4.5 We may also, acting reasonably, otherwise suspend your right to earn Qantas Points . If we notify you that your right to participate in the Rewards Program is no longer suspended (including because your Account suspension has been lifted), you will be able to earn Qantas Points on Eligible Transactions from the date your suspension ends. 4.6 We may, acting reasonably, terminate your right to earn Qantas Points . At the time we terminate your right to earn Qantas Points by using your Account , you will no longer accrue Qantas Points on Eligible Transactions . In addition, if your Account is cancelled under the Qantas Money Credit Card Terms and Conditions your participation in the Rewards Program will also be terminated. We will make a reasonable attempt to give you 30 days’ notice, but we may give less notice in urgent circumstances.

11 5. Redeeming Points 5.1 Only you can redeem your Qantas Points in accordance with the Qantas Frequent Flyer Terms and Conditions . 6. Government Taxes, Duties and Charges 6.1 We accept no liability in respect of any government taxes (including Goods and Services Tax), duties or other charges that may be imposed by law in any country arising from the earning or redemption of Qantas Points or participation in the Rewards Program . 6.2 We give no warranty and accept no responsibility as to the ultimate taxation treatment of Qantas Points . You should seek independent tax advice in respect of the tax consequences arising from the use of this product or from participating in the Rewards Program . 7. General 7.1 Where the rewards you redeem under this program are provided by Qantas , to the extent permitted by law, we are not responsible for those rewards or any death or injury, loss or Consequential Loss or damage from a reward or the loss, theft or destruction of a reward (except to the extent arising from our fraud, negligence or misconduct). 7.2 We give no warranty (whether express or implied) whatsoever with respect to any rewards provided by Qantas Frequent Flyer. Rewards will normally come with warranties from the supplier or manufacturer of the rewards and any Claims in respect of those rewards should be made with those suppliers or manufacturers. In particular, we do not represent that any particular reward is suitable for the purpose for which you intend to use it.

12 7.3 We may, acting reasonably, vary these Terms and Conditions from time to time. For example, we may: • change the way you earn Qantas Points ; • change the way we award Qantas Points ; • introduce or change Rewards Program features, fees and conditions; and • make changes as a result of changes made by our suppliers or partners. We will provide at least 30 days’ prior notice of changes, unless we reasonably consider the change to be non-material in nature. We will give you as much notice as is reasonably practicable for any non-material changes to these Terms and Conditions and we will either publish this on our website or otherwise notify you . However, you acknowledge that Qantas Points will be subject to the terms of the Qantas Frequent Flyer program which may be subject to change by the program operator. 7.4 Disputes about missing Qantas Points (including where the dispute concerns your participation in Qantas Frequent Flyer ) will only be accepted up to 12 months after the date of the relevant transaction or such time as is reasonable in the circumstances. We may, acting reasonably, require you to provide documentary evidence to support your claim. 7.5 We do not accept any liability for promotional materials published, or produced directly by Qantas . 7.6 We will exercise any rights or discretions that we have under these Rewards Program Terms and Conditions in a fair and reasonable manner. That includes whenever we are: (a) considering any request you make; (b) deciding whether to give our consent or to exercise a right, discretion or remedy; (c) setting any conditions for doing any of those things; or (d) making changes under clause 7.3 or anywhere else in these Rewards Program Terms and Conditions.

13 Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes and making adjustments to your Qantas Points . It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement. 8. Special Features and Special Promotions 8.1 Your Account may have access to a variety of Special Features and Special Promotions , which will be identified as such and will be subject to these Terms and Conditions, together with the terms and conditions of each of the Special Features and Special Promotions , as advised to you at the time of promotion, acquiring or using the Special Features or Special Promotions . 8.2 You will earn Additional Qantas Points or Bonus Qantas Points subject to meeting eligibility criteria for Special Promotions or Special Features offered by us from time to time. 9. Concierge Services 9.1 We provide complimentary Concierge Services to you via third parties. Concierge Services will act on your behalf and as an intermediary in assisting you with the following requests: (a) Travel – for example, pre-trip information, flight and hotel availability and bookings; (b) Entertainment – for example, ticket bookings for events, and restaurant reservations; (c) Lifestyle – for example, information on golf clubs, health clubs, and pet services; and (d) Shopping – for example, sourcing hard to find items or arranging gift purchase and delivery.

14 9.2 You will be informed of the cost and options, if available, before any booking or purchase is made for you . Concierge Services will not incur costs on your behalf unless your prior consent has been received. Any purchases once authorised and confirmed by you will be deemed as non-refundable on non- exchangeable items. 9.3 Concierge Services will provide you with a clear and detailed breakdown of any costs associated with the provision of a service, prior to arranging the service. You will not be charged for research or co-ordination services performed by Concierge Services . You will be responsible for all other costs and expenses related to your request. To the extent possible, goods and services acquired on your behalf will be charged directly by the provider to your Account . If Concierge Services advances funds for goods or services at your request, Concierge Services shall bill that amount to your Account . 9.4 Concierge Services will not locate goods and services if they are: (a) requested for re-sale, professional or commercial purposes; (b) abroad when Concierge Services is aware of customs regulations which prohibit the shipping of the items to you ; (c) prohibited under applicable law or which contravene popular moral or ethical standards; or (d) do not clearly provide some recreational benefit to you . 9.5 When goods or services are purchased on your behalf, items will be purchased and/ or delivered in accordance with national and international regulations: (a) You are at all times responsible for customs and excise fees and formalities; (b) Concierge Services recommends that any goods or services purchased on your behalf be insured for mailing or shipping. If you require an insurance policy for

15 them, you must specify this and you will be charged the cost of the insurance. Concierge Services does not otherwise arrange for an insurance policy to apply to them. Neither we nor Concierge Services provides mailing or shipping services. Mailing and shipping services are organised in accordance with your instructions. You may have remedies against the company which ships the goods to you . 9.6 Concierge Services accepts no liability arising from any provider that does not fulfil their obligations to you , subject to any chargeback entitlement you may have, except to the extent loss or damage is caused by our fraud, negligence or misconduct. 10. Card Offers 10.1 Qantas provide Card Offers to you via their service provider Mastercard Loyalty Solutions Australia Pty Ltd (“MLS”). In order to participate in and receive any awards resulting from the Card Offers , you also need to comply with the following terms and conditions: (a) You must be eligible for/assigned each individual retailer offer and comply with the terms and conditions of the Card Offers which can be found at https://shopping. qantas.com/terms-and-conditions . For example, you must meet the relevant spend criteria within the relevant dates; (b) You must pay for the transaction within the Card Offers by using an eligible linked Mastercard credit or debit card; and (c) Acknowledge that if you delete the Qantas Money App or remove an eligible linked payment Card , all offers will still be eligible to earn Qantas Points if the offer was assigned to you prior to the deletion or removal date.

For more information Visit us at https://www.qantasmoney.com/ credit-cards Alternatively, you can call us 24 hours a day, 7 days a week: • if you are a Qantas Money Platinum or Qantas Money Everyday Cardholder and are calling within Australia 1300 992 700 or if you are calling from outside Australia +61 2 8222 2569 • if you are a Qantas Money Titanium Cardholder and are calling within Australia 1300 019 682 or if you are calling from outside from Australia +61 2 8288 2452 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. NAB is also the provider of the rewards program in these Terms and Conditions. QCC16258_(0725)

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf

Qantas Money Credit Card Terms and Conditions and Other Important Information This booklet includes your Terms and Conditions, Privacy Notice, Credit Guide, Information Statement. Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB.

2 Key things to keep in mind This document together with the offer email that includes the Financial Table that sets out the key details about your Account , including your Credit Limit , Annual Percentage Rates and fees and charges are important. They set out our and your rights and obligations regarding your Account . Please keep them and refer to them when you need it. While it’s important for you and any Additional Cardholder to read the whole document as well as the offer email (including the Financial Table ), we have pulled out some key things you should know upfront. Tell us if something doesn’t seem right It’s important to check your transaction history, which you can do via Online Access or when you receive a statement. Contact us immediately if you suspect a Card is lost or stolen, a Security Code (including PINs ) is compromised, there are unauthorised or disputed transactions on your Account or any other security breach. Please see section 12 of Part A of this booklet for reporting requirements. In some circumstances, you will be liable for unauthorised use of Cards . Contacting us quickly stops you being liable for some types of transactions (see section 12 in Part A of this booklet) and means we may ask for a Chargeback of a transaction where that right exists (see section 10 in Part A of this booklet). The ability to dispute a transaction may be lost if it is not reported within the timeframes we specify or describe. Time limitations may not apply in circumstances where the ePayments Code applies. How your Credit Limit and Total Cash Limit operate Your Credit Limit is the maximum amount you can draw down. Your Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit , but in some cases may be lower.

3 We may allow you to temporarily exceed your Credit Limit . We will take reasonable steps to let you know if you do. Any Overlimit Amount will need to be repaid straight away. The Credit Limit may also be exceeded because of interest and fees or charges. There are some cases where we may reduce your Credit Limit or Total Cash Limit without your permission. For example, where you are in default of this credit contract or where we have good reason to believe that your Credit Limit or Total Cash Limit is more than you can manage without financial difficulty. See section 2 of Part A of this booklet. Instalment Plans We may offer you an Instalment Plan , which is a plan under which a particular balance on your Account is to be repaid in near equal Monthly Instalments over a set term. The Annual Percentage Rate (APR) which applies to an Instalment Plan (other than amounts not paid when due and related interest) is likely to be different to the APR that would otherwise apply to that particular amount and may be zero. Some Instalment Plan offers have a fee that applies to set it up. The payment due each month under an Instalment Plan is included in your Minimum Payment Due on your statement. Warning – having an Instalment Plan means us applying payments in a different order. If you have an Instalment Plan , payments will be applied first to Instalment Plan amounts that are overdue and due in the current Statement Period before being applied to other amounts which may have a higher APR than an Instalment Plan . As a result, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first. If you change your mind and don’t want payments applied in a different order, your Instalment Plan will be cancelled.

4 See section 5 of Part A of this booklet for more information about how Instalment Plans work, what happens if Extra Payments are made or you end an Instalment Plan early and what happens if instalment payments are overdue. Contact us if you are experiencing financial difficulty If you are experiencing financial difficulty and think you may not be able to make repayments, we can help. We encourage you to contact us as soon as possible. We will discuss your situation and the options available to help you . The sooner you contact us , the sooner we can try to help. Interest rates, fees and charges and repayments Different interest rates apply depending on the transaction type. Your Financial Table sets out the different rates that apply and section 8 of Part A of this booklet provides more information about how interest is calculated and charged for different transaction types. Your Financial Table sets out the fees that apply and when they are charged. If you don’t meet your repayment obligations, you may be charged a late payment fee. If you have any Overdue Amount or Overlimit Amount you will need to pay these amounts straight away to rectify your Account . If you do not repay any amount when due, we may close or suspend your Account . See section 7 of Part A of this booklet. Changes we may make and how we will tell you We may change any of the terms and conditions that apply to your Account , including your Credit Limit by reducing it, Annual Percentage Rates , fees and charges, the calculation of repayments and other Account features. You can find more information about what changes we can make and when and how we will communicate these changes in section 11 of Part A of this booklet.

5 Default If you are in default, we may require you to immediately pay the outstanding balance of your Account plus amounts incurred and not yet charged. You may also be liable for enforcement expenses – see section 7 of Part A of this booklet. Other things to keep in mind – Sometimes we may need to close or suspend your Account , cancel or suspend a Card or a Cardholder’s access to Online Access , or not process a transaction. For example, we may do this to manage risk, or to protect you or us from fraud, scams and other losses or if you or an Additional Cardholder use the Account in an unacceptable way. You can find more information about the circumstances in which we may do this in section 7 and section 16 of Part A of this booklet. You still need to pay us all amounts owing to us under your credit card contract if any of these things happen. – We share information with third parties, including Qantas, credit reporting bodies, our rewards provider and other service providers for the purposes set out in Part B: Privacy. We usually collect your personal information directly from you . However, we may need to collect personal information about you from third parties, including the collection of your credit report or other credit eligibility information from credit reporting bodies as set out in Part B: Privacy. Please contact us if you have questions about these terms and conditions or your Account .

6 (Some words used in these terms and conditions have defined meanings, and you can find them in the Dictionary – see section 17.) ® Registered to BPAY Pty Ltd ABN 69 079 137 518 Part A: Qantas Money Credit Card Terms and Conditions � � � � � � � � � � � � � 7

Getting started with your contract . . . . . . . . 7 1A. How we may exercise our rights and discretions . . . . . . . . . . . . . . . . . . . . . . . 7
Use of Cards and the Account . . . . . . . . . . 9
International transactions . . . . . . . . . . . . 13
Payments . . . . . . . . . . . . . . . . . . . . . . . 15
Instalment Plans , Balance Transfers and Special Promotions . . . . . . . . . . . . . 16
Statements and other communications . . . 23
Default, Suspension and Closure . . . . . . . . 25
Interest Charges . . . . . . . . . . . . . . . . . . 29
Fees and other charges you must pay . . . . 34
Solving problems . . . . . . . . . . . . . . . . . . 34
Changes . . . . . . . . . . . . . . . . . . . . . . . 37
Security and liability for losses for unauthorised electronic transactions . . . . . 38
Things we aren’t responsible for . . . . . . . . 41 13A. Mistaken Internet Payments . . . . . . . . . . . 42
Conditions for specific Payment Facilities . . 48
BPAY® . . . . . . . . . . . . . . . . . . . . . . . . . 49
General matters . . . . . . . . . . . . . . . . . . 58
Dictionary . . . . . . . . . . . . . . . . . . . . . . 60 Part B: Privacy � � � � � � � � � � � � � � � � � 66 Part C: Credit Guide � � � � � � � � � � � � � 75 Part D: Information Statement � � � � � � 80 Contact us � � � � � � � � � � � � � � � � � � � 85 Contents

7 Part A: Qantas Money Credit Card Terms and Conditions 1 � Getting started with your contract This Part A: Qantas Money Credit Card Terms and Conditions contains some but not all of the terms of your credit contract and the information we are required to tell you – you can find the rest of your terms in your offer email which includes the Financial Table . You will accept our offer and agree to the terms of your credit contract: – when you or an Additional Cardholder uses your Account or uses or activates a Card (this includes us debiting your Account to process a Balance Transfer requested by you ); or – by following an acceptance method we may make available after you submit an online application. We will let you know if we make this acceptance method available. Rewards programs are covered by a separate related contract between you and us , and under their own separate terms and conditions. You must join the Qantas Frequent Flyer program, and we can close or suspend your Account or cancel or suspend a Card if you cease to be a Qantas Frequent Flyer member (see section 7 for more information). 1A � How we may exercise our rights and discretions When we exercise a right or discretion under this contract (like considering a request you make or deciding whether or not to do something), we will do it in a way that is fair and reasonable. We can take a range of things into account when exercising our rights and discretions. These can include:

8 (a) our legal obligations, industry codes, payment scheme rules and the expectations of our regulators; (b) protecting our customers, staff, systems and the personal information we hold; (c) whether any information you provided us is misleading, incorrect or incomplete, or you haven’t provided us with information we reasonably need when asked; (d) how our products and services are intended to be used (and how you have used them); (e) our public statements, including those relating to protecting vulnerable persons, the environment or sustainability; (f) community expectations and any adverse impact on our reputation; (g) whether we need to take action to protect you or another person from a potential fraud or scam; or (h) risk management, including sanctions risk management. If we impose any conditions or requirements to any consent we give, or agree to any request that you make subject to conditions, then you will need to comply with those conditions or requirements. Our rights and remedies may be carried out by any person we have authorised, including employees.

9 2 � Use of Cards and the Account Using the Account Make payments to others Pay retailers in store, online or over the phone. Arrange for a Balance Transfer (if offered). Pay bills through BPAY using Online Access . Set up Recurring Card Instructions (this is a regular payment you authorise a merchant to charge to your Card by providing your Card number and details to the merchant). Get cash Use a Card to withdraw cash at an ATM, any Australia Post Bank@Post TM 1 outlet and over the counter at any bank in the world that displays the Mastercard ® 2 symbol. Get information Get information using the customer service centre or Online Access . 1 Bank@Post TM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved. 2 Mastercard is a trademark of Mastercard International Incorporated. Subject to these conditions you are responsible for all transactions on your Account , and any losses we incur in connection with them, except to the extent such loss or damage is caused by our fraud, negligence or misconduct. Credit Limits and other limits You can use the Account up to the Credit Limit by drawing any Available Credit . The Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit , but in some cases may

10 be lower. We will notify you if your Total Cash Limit is lower than your Credit Limit . Daily, weekly and other maximum limits may also apply to Cards or to the Account , either generally, or for particular types of transactions. We may change a limit or impose a new daily, weekly or other maximum limit. We will notify you in accordance with section 11 if we make any changes to limits. We may authorise transactions that exceed your Available Credit or Total Cash Limit , but we do not have to. We will take reasonable steps to alert you if we allow your Account to exceed the Credit Limit so that you can rectify the Account . If you exceed your Credit Limit for any reason any Overlimit Amount will need to be repaid straight away. Your failure to do so may mean that we can exercise our rights that arise under these conditions when you are in default (see section 7 for more information). You are entitled to reduce your Credit Limit to any amount that equals, or exceeds, the minimum Credit Limit for your product. To request a reduction in your Credit Limit you can contact us , including by making a request through Online Access . Keep in mind you will first need to pay us any amount that’s owing above the new Credit Limit you have asked for. There are some cases where we might reduce your Credit Limit or Total Cash Limit without your permission, including: – if you have defaulted on your credit contract; – where we have good reason to believe that your existing Credit Limit or Total Cash Limit is more than you can manage without financial difficulty; – where your Account is inactive; – to manage a risk, including to prevent potential fraud or scam. Where we reduce your Credit Limit or Total Cash Limit we may not give you notice in advance (or we may give you less than 30 days’ notice) if it is reasonable for us to do so in order to avoid or reduce material loss to us or to manage a risk.

11 We won’t reduce your Credit Limit to an amount that is less than your outstanding balance. Where we do not give you notice in advance, we will let you know in writing as soon as practicable after doing this (unless you are in default under your credit contract). In other circumstances, we will give you at least 30 days’ notice in writing. Once we have reduced your Credit Limit , we may decline any transactions that would cause your outstanding balance to go above the new limit. You can close your Account if you are not happy with the reduced Credit Limit or Total Cash Limit . See section 7. Additional Cards You may ask us to issue additional Cards . If we agree, we may give an Additional Cardholder : – an additional Card and a separate PIN , and other Security Codes necessary to use other facilities like the customer service centre and Online Access . We may allow some Security Codes (including the PIN ) to be selected by the Additional Cardholder ; and – access to your Account details and transaction history. An Additional Cardholder can use the Account and Card in any way that you can, except that the Additional Cardholder cannot request or arrange a Balance Transfer , Instalment Plan , change the Credit Limit or other limits, or close the Account . You are liable for any transactions, fees, charges and any other use of the Card or Account , by an Additional Cardholder , except to the extent such transaction or use is caused by our fraud, negligence or misconduct or is made after we have received your notice to cancel the Additional Cardholder’s Card and remove their authority to use your Account . You will still be responsible for any transactions that are made by the Additional Cardholder before we receive your notice, that are processed and added to your Account after. You must make sure all Additional Cardholders comply with these conditions.

12 Limits on use Cardholders must not, or won’t be able to, transact: – at retailers or ATMs who choose not to accept Cards for that type of transaction; – with a merchant in which the Cardholder has an ownership interest (unless it is publicly listed); – with a Card after it expires, is suspended or cancelled or reported lost or stolen; – for business purposes; – for the purpose of gambling or in connection with unlawful activities; and – to invest in shares or other financial products or for crypto currency related transactions. We can block or not process a transaction (including a payment made from the Account or a credit made by a merchant to the Account ) that we reasonably consider is a gambling transaction or a transaction to invest in shares or other financial products (including receipt of investments returns) or related to crypto currency. If (for whatever reason) we are unable to block a gambling transaction or a transaction to invest in shares or other financial product or related to crypto currency – and we allow the transaction to occur – it will be treated as a Cash Advance . This may happen in limited circumstances, including where our systems are down or the merchant terminal is unable to obtain authorisations. We may also limit transactions on the Account for the reasons set out in section 7 under the heading “When we can close or suspend your Account , cancel or suspend a Card or access to Online Access , or not process a transaction”. You and Additional Cardholders agree to provide any information that we reasonably request in connection with the Account and any relevant transactions. Some purchases or other transactions may require our approval before they can be completed or require a Cardholder to enter a Security Code . If we do not approve or process, or we reasonably delay,

13 any transaction we will not be liable to you or any other person for any loss or damage that you or the other person may suffer as a result except for loss arising as a result of our fraud, negligence or misconduct. A Card or Security Code must not be used by anyone except the Cardholder to whom it was allocated (and in the case of a physical Card , the Cardholder whose name and signature is on the Card ). Altering or stopping a payment You or an Additional Cardholder can stop or alter payments you or an Additional Cardholder have made or authorised as follows: Payment type Stop or alter? By contacting who before the payment is processed Recurring Card Instructions Stop Only by contacting the merchant Other (BPAY, Card payments) No These cannot be stopped or altered unless it’s a scheduled BPAY payment which can be cancelled in Online Access up to the day before the scheduled payment date. 3 � International transactions Use outside Australia Making payments, receiving credits from merchants and the use of a Card , including Online Access and the customer service centre outside Australia is subject to Australian, and overseas legal requirements. This means that making payments, receiving credits from merchants and using those facilities outside Australia may not be possible, permitted or may be subject to limits (e.g. a maximum amount).

14 Card transactions Where there is an international transaction, the amount we charge to your Account will always be in Australian dollars – no matter which currency the Cardholder pays in. The exchange rate used to calculate the amount of Australian dollars will depend on the currency the Cardholder decides to pay in. If the Cardholder decides to pay in: The exchange rate will be: Australian dollars the rate used by the merchant to convert the foreign currency amount into Australian dollars A foreign currency a rate: – selected by the Card scheme from a range of rates available in wholesale currency markets for the applicable processing date; or – mandated by a government or governing body and in effect for the applicable processing date We also charge fees on international transactions, which are set out in more detail in your Financial Table together with details of the interest rates and other fees and charges applicable to your Account . Conversion differences Because of the various conversion processes and the rates used in them, the Australian dollar amount that we charge you will usually be different to the amount that you may have calculated at the time you initiated the transaction. Similarly, if you receive a refund of a foreign currency transaction, the Australian dollar amount of that refund might differ from the amount of the original transaction.

15 4 � Payments Paying the Account You must pay in Australian dollars the Minimum Payment Due by each Payment Due Date . If there are any Overdue Amounts or Overlimit Amounts they must be paid straight away to rectify your Account . If you have an Overdue Amount and Overlimit Amount owing at the end of the Statement Period , the higher of the two amounts will be included in the Total Minimum Payment Due shown in your statement. Your failure to pay an amount by its due date for payment may mean that we can exercise our rights that arise under these terms and conditions when you are in default (see section 7 for more information). Your statement tells you how to pay us. You must pay all amounts owing under this contract without setting off amounts you believe we owe you (except where you have a right to set off that you cannot legally agree to give up such as, where a court order permits or where you have established that a payment is not due and payable). We credit payments as soon as reasonably practicable and that may be delayed if the payment is not clear funds. If we are not sure which of your Accounts it is intended for we may choose to credit it to any of your Accounts . Application of payments Unless an Instalment Plan is set up, we will apply payments firstly to the portion of the Closing Balance of your most recent statement which attracts the highest APR and then to the portion which attracts the next highest APR and so on. Payments are then applied to balances that have not yet appeared on your statement in a similar fashion. If an Instalment Plan is set up, payments will be applied differently. Please see section 5 for more detail.

16 5 � Instalment Plans , Balance Transfers and Special Promotions We may offer an Instalment Plan , Balance Transfer or a Special Promotion on any terms and conditions that we determine which, to the extent required, will operate as a variation to these conditions. Instalment Plan Introduction – Your Instalment Plan is a plan under which a particular balance is paid off in instalments. – You can convert a new transaction or part of your outstanding balance including a purchase or Cash Advance to an Instalment Plan only where we agree to this. – A fee may apply for setting up the Instalment Plan ( we call this an Instalment Fee ). If this fee applies, it is not included in the Main Instalment Plan Balance and amount you repay by the Monthly Instalments under the Instalment Plan . Instead it will be charged to your Account and shown on your statement for the Statement Period in which you set up your Instalment Plan , and the whole fee will form part of the Minimum Payment Due on that statement. – When you apply for, or agree to, the Instalment Plan you will be given the following details in relation to that particular Instalment Plan (and you must agree to these in order to enter into the Instalment Plan ): • the Instalment Fee (if any) that will apply to set up an Instalment Plan ; • the Annual Percentage Rate (APR) for the Instalment Plan ( Instalment Plan APR ) (which is likely to be different to the APR that would have applied to the particular amount if it had not been converted to an Instalment Plan , and may be zero); and • the length of the term, which is the number of months in which you pay the Monthly Instalments .

17 – We charge interest on the Instalment Plan from when the Instalment Plan is set up until it is cancelled or repaid in full, and it is generally charged to your Account at the end of each Statement Period . – To the extent and while a transaction of a particular type is converted to an Instalment Plan , it will not be a transaction of that type. For example, if a Retail Purchase is converted to an Instalment Plan , for the purpose of these terms, it will not be a Retail Purchase while the Instalment Plan is in place. How an Instalment Plan usually works – During the Statement Period in which the Instalment Plan is set up, you will be charged an Initial Interest Charge on the Main Instalment Plan Balance calculated from the day the Instalment Plan is set up until the last day of the Statement Period using the Daily Instalment Plan Rate and the Daily Calculation Method . – The Initial Interest Charge will be charged to your Account at the end of the Statement Period and becomes part of the Minimum Payment Due on the statement we send at the end of the Statement Period . – Each statement after that will show an instalment for that Statement Period , which is due in the next Statement Period on the Payment Due Date . There will be an instalment for each month of the term (e.g. 24 instalments for a 24-month term) ( Monthly Instalments ): • the Monthly Instalments are calculated so that if each (approximately equal) Monthly Instalment is paid on its Payment Due Date , the Main Instalment Plan Balance and any interest in relation to it will be reduced to zero on payment of the last Monthly Instalment . The last Monthly Instalment is generally slightly different to previous Monthly Instalments ; • each Monthly Instalment includes a principal component plus interest charged on the Main Instalment Plan Balance for the Statement Period ; and

18 • that interest will be calculated by multiplying the Monthly Average Balance by the Monthly Instalment Plan Rate and charged to your Account at the end of the Statement Period . Instalment Plan – Application of Payments Warning – having an Instalment Plan means us applying payments in a different order By requesting an Instalment Plan , you request and if we set it up, we agree, that payments made in a Statement Period will be applied: (a) first to any overdue Monthly Instalment , Initial Interest Charge or Instalment Fee and related interest charged to the Account ; (b) then to any Monthly Instalment , Initial Interest Charge or Instalment Fee due in that Statement Period ; (c) then to the balance of your Account , excluding the Main Instalment Plan Balance , in the way described in section 4. However, if an Instalment Plan is cancelled, payments will be applied to the amount that was part of the Main Instalment Plan Balance for that Instalment Plan as if it formed part of the Closing Balance of the statement for the first Statement Period starting on or after the cancellation was processed (and not any earlier statement); and (d) then to the Main Instalment Plan Balance . Where there is more than one Instalment Plan we will apply the payments in the order of Instalment Plan APR (the Instalment Plan that attracts the highest APR first, then to the Instalment Plan that attracts the next highest rate and so on) and if more than one has the same Instalment Plan APR , in the order of Instalment Plan creation (the oldest Instalment Plan first, then to the next oldest Instalment Plan and so on). As a result of payments being applied in that way, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first.

19 You may withdraw your request to apply payments in that way at any time. If you withdraw your request, this means that you are also requesting that we cancel your Instalment Plan and your Instalment Plan will be cancelled. What happens if there are Extra Payments , an Instalment Plan is cancelled or payments aren’t made on time? Extra Payments – When an Extra Payment is made in a Statement Period that does not fully reduce the Instalment Plan to zero, future Monthly Instalments payable as part of that plan will be recalculated over the remaining term using the same Instalment Plan APR and remaining Main Instalment Plan Balance . The Monthly Instalments will be recalculated in the way described in the third dot point of the sub-section titled “How an Instalment Plan usually works”. If you don’t pay on time – If you fail to pay the Minimum Payment Due by its Payment Due Date , we calculate and charge interest on any Overdue Instalment Amount component from the day after the Payment Due Date at the APR applicable to Retail Purchases . It will be calculated using the Daily Retail Rate and the Daily Calculation Method until it is repaid in full. – Interest on any Overdue Instalment Amount will be charged to your Account at the end of the Statement Period and will form part of the Minimum Payment Due on the statement for that Statement Period . – We may also cancel the Instalment Plan . We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan . Ending an Instalment Plan Early – If an Instalment Plan is cancelled or repaid in full Early , the interest on the Main Instalment Plan Balance in the Statement Period where that happens is calculated using the Daily Instalment

20 Plan Rate and the Daily Calculation Method from the start of the Statement Period up to: • the day before the Instalment Plan is cancelled or repaid, if it is cancelled by you or repaid in full; or • the day the Instalment Plan is cancelled if it is cancelled by us. The interest is charged to your Account at the end of the day on the day the Instalment Plan is cancelled or repaid. That interest will not form part of the Main Instalment Plan Balance , will be treated as a Retail Purchase transaction type and interest on it will be calculated and charged in accordance with section 8 at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). – If you or we cancel an Instalment Plan , any Main Instalment Plan Balance will revert to the underlying transaction type and the APR and interest calculation that relates to it starting from: • the day the Instalment Plan is cancelled if it is cancelled by you ; or • the day after the Instalment Plan is cancelled if it is cancelled by us. For example, if a Cash Advance was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Cash Advances . If a Retail Purchase was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). – If a Retail Purchase that was converted to an Instalment Plan is fully or partially refunded, the Instalment Plan will continue to operate. General – If you are eligible to earn Qantas Points , any Qantas Points will be earned prior to conversion to the Instalment Plan . The conversion itself

21 will not earn Qantas Points unless we tell you otherwise. – For any Instalment Plans , except for section 1A, this section 5 takes precedence over any other terms in the terms and conditions where there is a conflict. – In this section 5: • Daily Calculation Method means calculating interest by multiplying the applicable daily percentage rate by the daily unpaid balance for each relevant amount for each day of the relevant period and then adding those amounts together. • Daily Instalment Plan Rate means the Instalment Plan APR divided by 365. • Daily Retail Rate means the APR applicable to Retail Purchases divided by 365. • Extra Payment means an amount applied to an Instalment Plan during a Statement Period that reduces the Main Instalment Plan Balance . • An Instalment Plan is cancelled or repaid in full Early if this happens in a Statement Period before the one in which the final Monthly Instalment amount would have been due. • Main Instalment Plan Balance means the remaining principal balance of the Instalment Plan on any day that is not included in a Monthly Instalment that is due or any Overdue Instalment Amount . • Monthly Average Balance means the average balance of the Main Instalment Plan Balance during a Statement Period . • Monthly Instalment Plan Rate means the Instalment Plan APR divided by 12. • Overdue Instalment Amount means any unpaid overdue Monthly Instalments , Initial Interest Charge and Instalment Fee and any related interest.

22 Balance Transfers We may offer you a Balance Transfer as part of your Account application or after your Account is opened. A Balance Transfer is where you move the outstanding balance of an eligible credit card or other eligible credit account that is not another Qantas Money credit card ( Nominated Account ) to your Account . The terms of a Balance Transfer offer will have further details about eligible credit cards or other eligible credit accounts that may apply to a Balance Transfer offer. If a Balance Transfer Fee applies, you will be notified in the offer details. If applicable, the fee is calculated based on the amount transferred. It will be debited to your Account on the day your Balance Transfer is processed and will incur interest at the APR that applies to your Balance Transfer from the day it is debited until the end of the Balance Transfer Term. You will incur interest on the amount of a Balance Transfer and any Balance Transfer Fee and related interest for the Balance Transfer Term , unless the promotional APR for your Balance Transfer is 0% p.a. The interest will be at the rate we offer and you accept for that Balance Transfer . After the Balance Transfer Term , any portion of the Balance Transfer amount that is still owing on your Account (including any Balance Transfer Fee or related interest) will be treated as a Cash Advance transaction type and incur interest at the APR that applies to Cash Advances . If you want to pay off your Balance Transfer before the end of the Balance Transfer Term , you will likely need to pay more than your Minimum Payment Due each month (although it will depend on the Balance Transfer Term and whether any other transactions are made to your Account ). We usually process a Balance Transfer request within: – 7 Business Days from the date your application is approved, if a Balance Transfer request is made as part of your Account application.

23 – 3 Business Days from the date of your request, if a Balance Transfer request is made after your Account is opened. We may refuse to process your Balance Transfer request, in full or in part, if: – the Balance Transfer amount is more than your Available Credit at the time it is processed; – you provide incorrect details for the Nominated Account ; or – your Account or Card has been suspended for one of the reasons set out in section 7. We will notify you of any minimum or maximum amounts that apply to a Balance Transfer in the details of our offer as well as any other conditions that may apply to the Balance Transfer offer that aren’t included in this section. Unless we agree, you will not be eligible to earn Qantas Points on the Balance Transfer amount. We are not responsible for any loss you may suffer because of any delay caused by another financial institution or card issuer in processing your Balance Transfer , unless the delay is caused by our fraud, negligence or misconduct. You need to provide us with the correct details of the Nominated Account . Otherwise, we may not be able to process the Balance Transfer , or it may be paid to the wrong account. Your obligation to make payments to the Nominated Account in accordance with its terms and conditions continue. You should consider whether to close the Nominated Account after a Balance Transfer is processed. If you decide to close the Nominated Account , it’s your responsibility to do so. 6 � Statements and other communications Statements We will generally send or make a statement available to you each month unless the law does not require us to, such as if you have no outstanding

24 balance on your Account and no transactions have been posted to your Account during the Statement Period . You may also request statements, and we will also send one whenever required by any applicable code. You should check all entries on the statement when you receive it. If you think there was an error or possible unauthorised use of your Account you must contact us promptly or you may be liable for the error or any Unauthorised Transactions . If you delay telling us , this may impact on our ability to resolve disputes about a transaction. Communications We may give statements, notices and other information (together “ Communications ”) to you by post, electronic means (including email, SMS, via Online Access ), publishing a notice on the Qantas Money website or any other manner permitted by law. Sometimes we may include a notice as a message on or with your statement. If we make our Communications available to you via Online Access or publishing a notice on the Qantas Money website, we will usually send you an email, SMS or letter (in some cases) to let you know that it’s available. We consider the Communication received when we let you know that the Communication is available. You should check regularly for electronic Communications from us. Keeping your email address, mobile phone number and mailing address up to date is important in order to receive Communications from us. You may contact us at any time to ask for statements and other notices that we are required to give you . You may ask for a paper copy of any information that we have previously provided to you within 7 years of the date of the original Communication .

25 7 � Default, Suspension and Closure Default Your Account will be in default if: – you don’t make the payments required under this credit contract on time; or – you or an Additional Cardholder don’t follow the requirements of this credit contract and it has a material impact on our Legitimate Interests ; or – any information you give to us in applying for or maintaining your Account is false or misleading and it has a material impact on our Legitimate Interests ; or – you become bankrupt or insolvent or have a receiver or bankruptcy trustee appointed over you or any of your assets; or – you transfer your assets to a creditor. Consequences of default We know sometimes circumstances change, and we will try and help you manage this. However, if we can’t agree, we will send you a notice asking you to fix the default, unless we are not required to do so by consumer credit law (for example, if we have made reasonable attempts to find you , but have not been able to). Where we give you notice, we will specify a period for you to fix the default. This period will be at least 31 days from the date of the notice. The notice will specify how you may fix the default. You should read the notice carefully and follow the instructions in the notice. If you are in default and: – you do not fix the default within the period specified in the notice; or – consumer credit law does not require us to wait until that period has expired; or – we do not have to give you notice,

26 we may take some or all of the following actions: – require you to immediately pay all or part of the outstanding balance of your Account (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account ) and destroy any Card(s) ; – take legal action to recover any Overdue Amount . Enforcement expenses reasonably incurred or expended by us to enforce this credit contract may become payable under the contract in the event of breach. An event of breach occurs if you are in default. This includes any expenses reasonably incurred through our staff and facilities. We can charge these amounts to your Account and the Annual Percentage Rate that will apply to calculate interest on them and related interest is that applicable to Retail Purchases . When you can cancel a Card , close your Account and terminate your credit contract You may close your Account or cancel a Card by contacting us. If you wish to close your Account and terminate your credit contract you are required to pay the outstanding balance of your Account after the last transaction you , or any Additional Cardholder , authorised is charged to your Account including all interest charges, fees, charges and expenses and cancel all Recurring Card Instructions with merchants. We will tell you if there is anything else you need to do for us to complete your request. You remain responsible for all amounts withdrawn from your Account . You must notify merchants accordingly to change your Recurring Card Instruction details. We assume no responsibility for return fees and charges.

27 When we can close or suspend your Account , cancel or suspend a Card or access to Online Access or not process a transaction We may close or suspend your Account or cancel or suspend a Card by giving you 30 days’ prior notice if: – you cease to be a Qantas Frequent Flyer member; or – for any other reason, where it is reasonably necessary to protect our Legitimate Interests (for example, if your Account is inactive). We may also close or suspend your Account , cancel or suspend a Card or a Cardholder’s access to Online Access , or not process a transaction (including a merchant credit) at any time without notice: – if you are in default under your credit contract; – to protect you , or us from potentially fraudulent activity or a scam, or other losses; – to prevent an anticipated breach of the law of Australia or another country; – to manage any risk, including legal, regulatory or sanctions risk, or to comply with our Sanctions Program which you can view at on our website; – if we reasonably consider it appropriate to protect a customer or another person from financial abuse (see our unacceptable Account conduct policy in section 16); – if your Account has remained in credit balance for a reasonable period; – if we do not have all the identification information we need, or we have not received a satisfactory response in a timely manner to information we have reasonably requested from you or an Additional Cardholder in connection with the Account and any relevant transactions; – if we reasonably believe that by allowing the Account to remain open it may adversely impact on our reputation;

28 – if we reasonably believe that by allowing the Account , a Card or access to Online Access to remain open or available, it may cause you or us loss, or to breach any law or code of conduct or any terms of this credit contract; or – if a Card , Security Code , Identifier or a process intended to prevent Unauthorised Transactions has been compromised and where we believe taking such action is reasonably required to manage any risk. It may not be possible for us to detect and prevent all fraudulent or scam transactions or transactions that may result in a breach of the laws of Australia or another country. We will let you know as soon as practicable after we take action under this section if it is reasonable to do so. We will not be responsible for any loss or damage that you may suffer, unless we have acted with fraud, negligence or misconduct. Consequences of closing or suspending an Account , cancelling or suspending a Card or access to Online Access If you request closure of your Account or if we close or suspend your Account , or cancel or suspend a Card , then we will take reasonable steps to promptly stop future transactions on the Account or through the cancelled or suspended Card (including cancelling all Cards in the case of Account closure), however please note we are unable to reject some transactions, such as Recurring Card Instructions . Any transactions made before an Account is closed or suspended or made using a Card before it is cancelled or suspended will still be charged to your Account even if it’s processed and added to your Account after. If we cancel or suspend a Cardholder’s access to Online Access , the Cardholder won’t be able to log in. We may suspend your Account , a Card or a Cardholder’s access to Online Access or not process a transaction for as long as reasonably required to protect our Legitimate Interests or to manage any risk.

29 If your Account : – has a credit balance and your Account has been closed (either by us or you ), we will return the Account balance to you (unless we reasonably believe we are unable to because of our regulatory or other legal obligations, for example to comply with a court order) or where the relevant statutory requirements have been met, we may transfer the balance to the Commonwealth Government as unclaimed money; or – has a debit balance and has been closed or suspended, unless we tell you otherwise, you must continue to pay us amounts due until you pay the full outstanding balance, including any further transactions that you are liable for. Interest, fees, charges and expenses will accrue until that time. Closure, cancellation or suspension of your Account or any Card does not affect any obligations that arose before or after the closure, cancellation or suspension. Your credit contract will continue after your Account is closed either by you or us until you pay us the outstanding balance (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account ) in full. 8 � Interest Charges This section describes when and how we calculate and charge interest on your Account except for how we calculate and charge interest on Instalment Plans . See section 5 for details about interest on Instalment Plans . You will see references to a Statement Period throughout – which refers to the set period of time we use to record activity on your Account ending on the same day each month even if it is a non- Business Day .

30 How interest works with different transaction types When an amount is charged to your Account , it’s the same as us lending you that amount. And like a loan, we will charge your Account with interest, unless the amount is a part of the Retail Purchase Balance , and an interest free period applies. How you incur interest on each transaction depends on the type of transaction. The interest rate or Annual Percentage Rate for Cash Advances , for example, is typically higher than the Annual Percentage Rate for Retail Purchases . While you incur interest differently depending on the type of transaction, we will charge that interest to your Account (by adding it to your outstanding balance) on the last day of each Statement Period . Types of transaction When interest is incurred When interest is charged Retail Purchase Never If you are in an interest free period (if your Account is eligible) Daily If you are not in an interest free period At the end of the Statement Period Cash Advance Daily At the end of the Statement Period Balance Transfer Daily Except that, if the promotional interest rate for your Balance Transfer is 0% p.a., you will incur no interest for any day during the Balance Transfer Term. At the end of the Statement Period

31 How interest is calculated Interest is incurred daily on any outstanding balances for each transaction type (at the end of each day), in the way described below. Daily interest rate ( Annual Percentage Rate / 365) x outstanding balance (for each transaction type) = Daily Incurred Interest (for each transaction type). Calculating the daily interest rate To calculate the daily interest rate for each transaction type, we take the applicable Annual Percentage Rate and divide it by 365. The applicable Annual Percentage Rate depends on the type of transaction, whether an interest free period applies, and any special promotional rates that may be available to you . You can find information about the current Annual Percentage Rates for particular transaction types at https://www � qantasmoney � com/credit-cards/ or on request by contacting us in one of the ways set out at the end of this booklet. Your Financial Table will also set out the Annual Percentage Rates that apply as at the date specified in your Financial Table . Working out the amount of interest incurred each day The amount of interest you incur daily is worked out by multiplying the applicable daily interest rate by any outstanding balance you have for each transaction type at the end of the day. Interest is incurred on the amount of a transaction from the Transaction Date , until the date it is paid off in full. You don’t incur interest for a transaction on the day it is paid off in full. How interest is added up The following table shows an example of how interest is incurred on Retail Purchases from the start of a Statement Period that doesn’t have an interest free period (more on this later in this section). Retail Purchases are made on day 1, day 3 and day 30. In this example, the Statement Period is 30 days and the daily interest rate on Retail

32 Purchases is: 20.99% per annum / 365 = 0.0575%. The interest rate used is an example rate only and may not be reflective of the interest rate on your Account . Retail Pur- chases Outstand- ing balance Daily interest rate Daily interest incurred State- ment opening balance $20 Day 1 $180 $200 0.0575% $0.12 Day 2 $0 $200 0.0575% $0.12 Day 3 $100 $300 0.0575% $0.17 Day 4-29 $0 $300 0.0575% $0.17 every day Day 30 $70 $370 0.0575% $0.21 Total interest charged Equal to the sum of all daily interest from Day 1 to 30 (rounded to the nearest cent) $5.04 When interest is charged to your Account We charge interest incurred during a Statement Period to your Account at the end of the Statement Period . This includes interest for the last day of the Statement Period . When we charge interest, we round it to the nearest cent. How interest free periods work Your Account is eligible to have an interest free period on the Retail Purchase Balance if the requirements described below are met. Interest free periods only apply to the Retail Purchase Balance . If you are eligible for an interest free period, you won’t incur interest on any transactions that form part of the Retail Purchase Balance for any day in an interest free period.

33 You start an interest free period on the day you accept the offer of an Account . In order to continue this and any other interest free period, you must pay the Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or an Instalment Plan ) shown on your statement in full by the Payment Due Date shown on your statement. Your Payment Due Date is 14 days after the end of your Statement Period . If you pay less than your Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or Instalment Plan ) shown on your statement by the Payment Due Date , your interest free period will end. You will incur interest on transactions that form part of the Retail Purchase Balance from the day after the Payment Due Date . How to start a new interest free period If you are not in an interest free period, there are two ways you can start a new one: – Begin your Statement Period with either a zero balance or a credit balance on your Account . – Pay the Closing Balance (or the Interest Free Days Payment , if you have a Balance Transfer and/or Instalment Plan ) shown on your statement in full by the Payment Due Date shown on your statement. If you use this method, the interest free period will begin on the day you make this payment. However, you will see interest charged on outstanding amounts that form part of the Retail Purchase Balance on your next statement for the time before you made the payment. How interest, fees and charges added to your Account incur interest When we add interest, fees or charges to your Account , your outstanding balance will increase and the interest, fee or charge will be treated as a transaction on your Account . For this purpose, where the interest, fee or charge relates to a Balance Transfer or a Cash Advance , it will be treated as the same kind of transaction. Where the interest, fee or charge relates to an

34 Instalment Plan , see section 5 to see how it will be treated. Any other interest, fee or charge is treated as a Retail Purchase transaction. For example, a fee for withdrawing money from an ATM is treated like a Cash Advance , and interest on amounts used to buy a pair of shoes is treated like a Retail Purchase . This means that, from the date the interest, fees or charges are added to your Account , you will incur and be charged interest on these amounts in the same way as for the relevant transaction type unless an interest free period applies. 9 � Fees and other charges you must pay Subject to any law that limits our right to do so, we will charge your Account with: – fees and charges applicable to your Account ; – government taxes, duties or charges that relate to your Account or its operation; – any amount (or the Australian dollar equivalent) that any other person charges in connection with your use of the Account , such as ATM access fees; and – any expenses we reasonably incur enforcing these conditions against you . Information on current fees and charges is available at https://www � qantasmoney � com/credit-cards/ or on request by contacting us in one of the ways set out at the end of this booklet. 10 � Solving problems Refunds and payment reversals On occasion, you may receive a refund (such as a credit) into your Account from us or a merchant. For example, this could be for goods or services you have purchased and then returned, or where you have successfully disputed a transaction. There may also be situations where we need to refund a fee or charge or interest to you , for example where an error or adjustment has been made.

35 How we apply a refund is different to how we apply payments. When you get a refund, we will apply it to your Account to reduce your outstanding balance. A refund is not treated as a payment by you . This means you must still pay us the Total Minimum Payment Due shown in your most recent statement by the due date(s), regardless of the value of any refund on your Account . The only exception to this is where the refund brings the outstanding balance on the day a payment is due to an amount that is lower than the payment that is due on that day. If this occurs, you must pay us the outstanding balance on the relevant due date. If you pay more than the outstanding balance on the relevant due date, your Account will have a credit balance. If your refund is equal to, or more than, your outstanding balance, we will apply it to your Account in full, so that you will have a zero or credit balance. If you have a credit balance, it will be applied to any amount subsequently charged to your Account . We won’t pay you interest on any credit balance. If your refund is less than your outstanding balance, the refund will be applied to the unpaid balance of the original transaction type (for example, if it is a Retail Purchase , the refund will be applied to the unpaid Retail Purchase Balance ). If there is any refund amount remaining, it will be applied based on the order of dates on which the balance for a transaction type was set up, with it being applied to the earliest first. However, if you have an Instalment Plan , it will be applied to the Main Instalment Plan Balance last. If a payment is reversed (for example, where you make a payment by direct debit and we don’t receive value for the direct debit), we will reverse your payment amount. In that case, the amount of the reversal will be treated as the same transaction types to which the payment was originally applied, except if a payment to an Instalment Plan is reversed, in which case the amount of the reversal will be treated as a Retail Purchase .

36 Error/dispute resolution A complaint can be lodged using the customer service centre or by contacting us in one of the ways set out in Part C of this booklet under the sub-section titled “What you should do if you have a complaint?”. We will investigate the complaint and try to resolve it quickly and fairly. If you are not satisfied with the result of the complaint, you can escalate the complaint to our Customer Resolutions team or you can raise the complaint with the Australian Financial Complaints Authority (AFCA) at: GPO Box 3, Melbourne VIC 3001 Telephone: 1800 931 678 (free call) Email: info@afca � org � au Website: www � afca � org � au See Part C of this booklet for more information about our complaints process and how to lodge a complaint. Transaction disputes and Chargebacks If you have a transaction dispute (for example, if you have a problem with goods or services, if you believe you were charged the incorrect amount for a transaction or you were charged for an item you didn’t receive) and the relevant transaction was processed through a Network you may have rights under the applicable Network rules to Chargeback the transaction. We will pursue the Chargeback on your behalf if a right to do so exists. The result will be governed by the Network’s Chargeback rules. It’s important that you tell us about the dispute as soon as possible, as there are time limits on our ability to process a Chargeback on your behalf. Please note that if you or an Additional Cardholder uses your Account to make a BPAY payment, you cannot claim a Chargeback . BPAY only allows refunds of mistaken, unauthorised or fraudulent payments.

37 Except as otherwise set out by law, for example the National Consumer Credit Code or the Australian Consumer Law, we are not otherwise responsible for any disputes between you and a merchant. 11 � Changes We may change the terms and conditions applicable to your Account , including changing any condition, APR and fees and charges. We may tell you about a change by writing to you at your last known address (including electronically), by message on or with your statement, by advertisement in a newspaper, through our website or in other ways allowed by applicable laws or industry codes. We may notify you of changes to Annual Percentage Rates or the amount of a fee or charge by publishing a notice electronically (e.g. on our website or through Online Access ), without letting you know by SMS or email. We will follow any regulatory rules in place when we do this. Generally, the following notice periods apply: As soon as reasonably possible which may be after the change is made Reducing your obligations (e.g. fees) or extending the time for payment Reducing your Credit Limit or Total Cash Limit At least same day notice Increasing an APR No notice if the government publishes the change Changes to government fees or charges on receipts or withdrawals At least 30 days Any other change we make other than those changes that we expressly agree with you We will comply with any notice requirements in any applicable laws and codes (such as the Banking Code of Practice and ePayments Code).

38 12 � Security and liability for losses for unauthorised electronic transactions Reliance on your instructions We are entitled to presume (unless contrary to the ePayments Code or these conditions), that the Cardholder has given any instructions identified by the Cardholder’s Identifier (including Card number) and Security Code , and that they are valid and binding on you . You must take care of PINs and other Security Codes Security Codes allow access to your Account and in some cases Cardholders may be able to select or change them within limits we set. The security of Card(s) and Security Code(s) is very important. If Cardholders fail to observe these security requirements you may incur liability for any Unauthorised Transaction . Cardholders MUST: – sign the strip on the reverse side of the Card immediately upon receiving it; – keep their Security Code(s) secret; – not let anyone else use their Card and/or Security Code or Identifier and Security Code ; – use care to prevent anyone else seeing their Security Code (including when using an ATM or EFTPOS terminal) or overhearing their Security Code ; – take reasonable steps to protect a Card or Security Code from loss or theft; and – immediately destroy any expired or cancelled physical Card by cutting it diagonally in half. Cardholders MUST NOT choose a Security Code which is clearly identifiable with you (e.g. birth date or phone number or an alphabetical Security Code that is a recognisable part of their name) or which has an easily retrievable combination (e.g. 1234, BBBB).

39 Cardholder responsibilities when adding a Card to a payment device If a Cardholder adds their Card to a payment device (like a mobile phone, wearable or tablet), it’s also important to make sure no one else can access the payment device because they might be able to use a Card and transact on your Account . You need to notify us of security breaches (including Unauthorised Transactions ) You should immediately notify us (and you must provide all required information) where any of the following security breaches has or is suspected to have occurred: – a Card or Security Code is, lost, stolen or disclosed to someone else; or – your Card , Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. We will then cancel the relevant Card and/or Security Code (where possible) and may cancel the Identifier . After cancellation, they must not be used again even if they are subsequently retrieved. When are you liable for electronic Unauthorised Transactions ? We apply the ePayments Code to determine when you are liable for losses from an Unauthorised Transaction that is authorised without a physical signature. Some examples of where you are liable, not liable, and partially liable are set out below (the ePayments Code sets out more details). YOU ARE NOT LIABLE for losses from an Unauthorised Transaction : – using Cards , Identifiers or Security Codes that are forged, faulty, expired or cancelled or a Card or Security Code before the Cardholder received it; – occurring after the underlying security breach was notified to us ;

40 – that are caused by the same transaction being incorrectly debited more than once to your Account ; – where it is clear no Cardholder contributed to it (e.g. if it was caused by misconduct by us or others involved in the relevant networking arrangements); or – that exceeds the Credit Limit or any applicable transaction limit. This section does not apply to any transaction carried out by you or an Additional Cardholder or by anyone performing a transaction with your or an Additional Cardholder’s knowledge and/or consent and/or authorisation (as applicable). YOU ARE LIABLE for losses occurring up to notification of the security breach if a Cardholder has contributed to a loss by: – compromising secrecy of a Security Code (e.g. by voluntarily disclosing it, or indicating it on the Card or on anything carried or kept with the Card or an Identifier ) unless the Cardholder makes a reasonable attempt to protect the security of the Security Code ; or – unreasonably delaying notification of a security breach. YOU ARE PARTIALLY LIABLE where a Security Code is required to perform the Unauthorised Transaction and it is unclear whether a Cardholder has contributed to a loss. In this case for the period commencing from the time the Card , Identifier or Security Code was misused, lost or stolen, until the time a Cardholder notifies us , you could be liable for the lesser of AU$150, the actual amount lost, or the available funds in the Account at the time of the Unauthorised Transaction .

41 13 � Things we aren’t responsible for We usually aren’t liable in these circumstances Unless these conditions or the law says otherwise, we will not be responsible to you for any loss incurred by you in any of the following situations: – any problems with goods or services provided (or not provided) by a retailer/merchant. However we may be able to access a Chargeback in the event of issues (see section 10); – where we cancel, suspend or close the Account , a Card or access to Online Access (see section 7), or otherwise decide not to provide further credit, or refuse to authorise or make a payment or payments (or any other transaction) in accordance with these conditions; – where our Online Access or customer service centre is not available from overseas or at a particular time. These services are intended to be reasonably available, but may not be available 24/7, including where there are outages (e.g. power or systems) and where we require this (e.g. because of security or maintenance, or where we are not allowed to process a transaction); – you have not provided us with complete and correct payment information; or – circumstances beyond our reasonable control prevent or result in errors or delays to a funds transfer or payment. Some circumstances where we are liable Regardless of the above, we have minimum requirements imposed on us by the ePayments Code and laws like the Competition and Consumer Act 2010 (Cth). For example, these may imply warranties into a contract to protect you , such as a promise that the services are fit for their intended purposes. These laws may allow us to exclude liability if you acquire services as part of a business. To the extent permitted by law, we exclude liability under implied statutory conditions and warranties, or limit our liability under such warranties and

42 conditions to supplying the services again or paying the cost of that resupply. In addition, we are liable for your loss if any electronic terminal (such as ATM and EFTPOS terminal) or the relevant electronic Network does not complete a transaction that it accepts in accordance with your instructions. Our liability is limited to the correction of errors and refunding charges or fees imposed if the Cardholder should have been reasonably aware that that the relevant electronic terminal or Network was unavailable or malfunctioning. If the customer service centre should ever be temporarily unavailable, we will reimburse any loss arising between the time you or an Additional Cardholder (as applicable) attempted notification of a Notifiable Event and the actual time of notification, provided you or an Additional Cardholder subsequently gave such notice at the first reasonable opportunity. 13A � Mistaken Internet Payments This section applies to Mistaken Internet Payments using the Pay Anyone functionality. It sets out important rules where the Sending ADI and the Receiving ADI have subscribed to the ePayments Code and: – a Cardholder reports a Mistaken Internet Payment to us as the Sending ADI ; or – we , as the Receiving ADI , are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer. This section does not apply to BPAY payments. In this section: – Mistaken Internet Payment means a payment made by a Cardholder through Pay Anyone where funds are paid into the account of an unintended recipient because the Cardholder entered or selected the wrong BSB number and/or account number or the wrong PayID (where available) or a PayID which belonged to the wrong person as the result of the Cardholder’s error or the Cardholder

43 being advised of the wrong details. Currently, Pay Anyone functionality is generally only available in Online Access as part of a cash Instalment Plan or Balance Transfer offer that we may make available to you ; – ADI means Authorised Deposit-taking Institution and has the same meaning as the term in the Banking Act 1959 (Cth); – the Receiving ADI is the ADI whose customer received an internet payment; – the Sending ADI is the ADI whose customer has made an internet payment. Cardholder’s obligation A Cardholder : (a) must take care to enter or select the correct information about the intended recipient of the funds, required when using Pay Anyone to make a payment. It is not always possible for us to recover funds from the unintended recipient; (b) should report a Mistaken Internet Payment to us as soon as possible by using one of the contact methods in the “Contact us ” section at the end of this booklet. We will acknowledge receipt of the report and the Cardholder should record or retain this acknowledgement. Our obligations as a Sending ADI when we receive the Cardholder’s report (a) Obligation to investigate We will investigate a Cardholder’s report of a Mistaken Internet Payment . (b) Obligation to tell the Cardholder about the outcome We will tell the Cardholder about the outcome of a Cardholder’s report of a Mistaken Internet Payment : i. in writing, and ii. within 30 Business Days of the day the report was made.

44 When a Cardholder makes a report, we as the Sending ADI and the Receiving ADI need to be satisfied that a Mistaken Internet Payment has occurred. If we are not satisfied a Mistaken Internet Payment has occurred, we are not required to take any further action. We will tell you in writing within 30 Business Days from the time the Cardholder reported the Mistaken Internet Payment . If we are satisfied that a Mistaken Internet Payment has occurred, we will send the Receiving ADI a request for return of the funds as soon as reasonably possible and by no later than 5 Business Days from the time the Cardholder reported the Mistaken Internet Payment to us. We are reliant on the Receiving ADI following its obligation to acknowledge our request and advise us within 5 Business Days if there are sufficient funds in their customer’s account to cover the amount of the Mistaken Internet Payment . If the Receiving ADI receives a request from us to return funds to us , but is not satisfied that a Mistaken Internet Payment has occurred, the Receiving ADI may seek their customer’s consent to return the funds to you . If consent is provided to the Receiving ADI , we will return these funds to you as soon as practicable. Process where both the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are insufficient funds This process applies where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred. If we are advised there are insufficient funds in the customer’s account, we are reliant on the Receiving ADI using its discretion (which is guided by a number of factors in the ePayments Code) in deciding whether to pursue all or part of the funds from their customer. If the Receiving ADI decides to pursue the return of all the funds, it has an obligation to use reasonable endeavours to retrieve

45 the funds from their customer (e.g. facility payment by instalments). If the Receiving ADI is unable to recover the funds from the unintended recipient, you will be liable for losses arising from the Mistaken Internet Payment . Where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are sufficient funds This table describes our obligations as a Sending ADI and the obligations of the Receiving ADI if satisfied that a Mistaken Internet Payment has occurred and there are sufficient credit funds available in the account of the unintended recipient to cover the payment. A different process applies depending on when the Cardholder reported the Mistaken Internet Payment to us. User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you Within 10 Business Days of making the payment Funds must be returned to us within 5 Business Days (if practicable) of receiving our request to return the funds or such longer period as is necessary up to a maximum of 10 Business Days . To return the funds to you as soon as practicable.

46 User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you Between 10 Business Days and 7 months of making the payment Complete investigation within 10 Business Days of receiving our request to return the funds. If satisfied a Mistaken Internet Payment has occurred: i. prevent their customer withdrawing the Mistaken Internet Payment funds for a further 10 Business Days ; ii. notify their customer they have a period of 10 Business Days to establish they are entitled to the funds. This period commences on the date their customer was prevented from withdrawing the funds; and To return the funds to you as soon as practicable.

47 User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you iii. return funds to us within 2 Business Days of the end of the 10 day period described in ii. if their customer has not established they are entitled to the funds. After 7 months Seek the consent of their customer to return funds. With the consent of their customer return the funds to us. To return the funds to you as soon as practicable. Complaints For information about making a complaint about the outcome of a Mistaken Internet Payment report or how we have dealt with it, please see Part C. Our obligations if we are notified about a Mistaken Internet Payment by another ADI If we are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer, we will act in accordance with the obligations of the Receiving ADI described in the ePayments Code and this section 13A including the obligations to return funds in your Account to the Sending ADI where applicable.

48 14 � Conditions for specific Payment Facilities Recurring Card Instructions When a Cardholder gives a merchant a Recurring Card Instruction to debit amounts to a Card , you authorise us to pay any such amounts and charge them to your Account . If a Cardholder has set up Recurring Card Instructions : – the Cardholder needs to contact the merchant to cancel or change them – we usually cannot do this; – if a Card is re-issued with a new Card number or expiry date, the Cardholder must contact the merchant to cancel or change the details of each Recurring Card Instruction . We may choose to cancel the Recurring Card Instruction or (unless the Cardholder tells us not to) provide the Cardholder’s replacement Card details to update it. Our capacity to provide the replacement Card details depends on the functionality of our and the merchant’s systems to do this. If the merchant participates in an account updater service, they may be given updated Card details when a Card is re-issued. You should check with the merchant to confirm if they participate. You may request to opt-out of the automatic update of Card details by contacting us. You should tell us if unauthorised Recurring Card Instructions are charged to the Account . Scheduled BPAY payments We use reasonable endeavours to debit your Account on the days nominated by a Cardholder for scheduled BPAY payments, even if the day nominated is not a Business Day , but may not always do so. A scheduled BPAY payment is usually received within one Business Day of the payment date. If the day on which your Account is debited is not a Business Day , or if we or another payment system participant cannot process a payment on

49 that day, the payment will usually be received within 2 Business Days . If a Card is re-issued with a new Card number or expiry date, or reported lost or stolen, any scheduled BPAY payments will still be charged to the Account on the day(s) nominated by the Cardholder . If your Account is closed or suspended, or if BPAY payments are suspended, then any scheduled BPAY payments that have been scheduled to occur will not be processed by us. Online Access and the customer service centre To use the customer service centre and Online Access you and Additional Cardholders will: – be given or can select Security Codes to enable the use of the customer service centre or Online Access . – enter the Identifier / Card number and any other codes we (or Qantas) require. 15 � BPAY® Application We are a member of the BPAY Scheme which is an electronic payments scheme through which you and an Additional Cardholder can ask us (using Online Access ) to make payment on your behalf to Billers who accept BPAY payments. We will notify you if we cease to be a member of the BPAY Scheme. How to use the BPAY scheme You and any Additional Cardholder must comply with these conditions to the extent that these conditions are not inconsistent with or expressly overridden by the BPAY terms. The BPAY terms set out below are in addition to those terms. If there is any inconsistency between these conditions and the BPAY terms in this section 15, the BPAY terms will apply to the extent of that inconsistency.

50 When a Card is used to pay a bill through the BPAY Scheme, we treat that payment as a Retail Purchase . The receipt by a Biller of a mistaken or erroneous payment does not or will not constitute under any circumstances part or whole satisfaction of any underlying debt owed between the payer and that Biller . Valid payment direction We will treat your or any Additional Cardholder’s instruction to make a BPAY payment as valid if, when the instruction is given to us , you or that Additional Cardholder (as the case may be) correctly use any Identifier and Security Code required to access and make payments using Online Access . Information you must give us The information you or any Additional Cardholder must give us to instruct us to make a BPAY payment is: – the “Biller Code” written on the bill near the BPAY Logo, and the customer reference number; – the Card from which you or the Additional Cardholder wishes to make the payment; – the amount of the payment you or the Additional Cardholder wishes to make; and – the date the payment is to be made, if you or an Additional Cardholder schedule a payment to be made on a future date using Online Access . We are not obliged to effect a BPAY payment if we are not given all of the above information or if any ofthe information given to us is inaccurate. Payments We will not accept an order to stop a BPAY payment once you have instructed us to make that BPAY payment. You or an Additional Cardholder should notify us straight away if you become aware that you may have made a mistake (except when you make

51 an underpayment) when instructing us to make a BPAY payment, or if you did not authorise a BPAY payment that has been made from your Account . Sub-sections titled “Mistaken Payments, Unauthorised Transactions and Fraud”, “Mistaken Payments” and “Unauthorised Payments” describe when and how we will arrange for such a BPAY payment (other than in relation to an underpayment) to be refunded to you . Subject to the sub-section titled “Payment Queries”, Billers who participate in the BPAY Scheme have agreed that a BPAY payment you or an Additional Cardholder make will be treated as received by the Biller to whom it is directed: – on the date you make that BPAY payment, if you or an Additional Cardholder tell us to make the BPAY payment before 6pm (Melbourne time) on a Business Day ; – on the next Business Day , if you or an Additional Cardholder tell us to make a BPAY payment after 6pm (Melbourne time) on a Business Day , or on a non Business Day ; or – if available on the day you or an Additional Cardholder have nominated for a scheduled payment to take place or where this day is not a Business Day on the next Business Day . Delay may occur in processing a BPAY payment where: – there is a public or bank holiday on the day after you or an Additional Cardholder tell us to make a BPAY payment; – you or an Additional Cardholder tell us to make a BPAY payment either on a day which is not a Business Day or after 6pm (Melbourne time) on a Business Day ; – another financial institution participating in the BPAY Scheme does not comply with its obligations under the BPAY Scheme; or – a Biller fails to comply with its obligations under the BPAY Scheme.

52 While it is expected that any delay in processing under this agreement for any reason set out above will not continue for more than one Business Day , any such delay may continue for a longer period. You and any Additional Cardholder must be careful to ensure that you tell us the correct amount you or an Additional Cardholder wish to pay. If you or an Additional Cardholder instruct us to make a BPAY payment and later discover that the amount you or an Additional Cardholder told us to pay was less than the amount needed to pay, another BPAY payment can be made for the difference between the amount actually paid to a Biller and the amount needed to pay. If you or an Additional Cardholder discover that the amount you or an Additional Cardholder instructed us to pay was more than the amount due to the Biller , you must contact the Biller to negotiate any refund. Liability and ePayments Code If you are liable for an unauthorised or fraudulent payment and the ePayments Code applies, then your liability is limited to the lesser of:

the amount of that unauthorised or fraudulent payment; and
the limit (if any) of your liability set out in these conditions. If point 2. applies, we will be liable to you for the difference between the amount for which you are liable and the amount of the unauthorised or fraudulent payment. Mistaken payments, Unauthorised Transactions and fraud We will attempt to make sure that your or an Additional Cardholder’s BPAY payments are processed promptly by the participants in the BPAY Scheme, including those Billers to whom the BPAY payments are to be made. You or any Additional Cardholder must promptly tell us if:

53 – you or an Additional Cardholder become aware of any delays or mistakes in processing your BPAY payments; – if you or an Additional Cardholder did not authorise a BPAY payment that has been made from your Account ; or – if you or an Additional Cardholder think that you have been fraudulently induced to make a BPAY payment. We will attempt to rectify any such matters in relation to your or an Additional Cardholder’s BPAY payments in the way described in this sub-section. However, except as set out in the sub-section titled “Liability and ePayments Code”, section 1A and section 13 and to the extent that a transaction was permitted by you or an Additional Cardholder , we will not be liable for any loss or damage you suffer as a result of using the BPAY Scheme. The longer the delay between when you or an Additional Cardholder tell us of the error and the date of your BPAY payment, the more difficult it may be to perform the error correction. For example, we or the Biller may not have sufficient records or information available to us to investigate the error. If this is the case, you may need to demonstrate that an error has occurred, based on your own records, or liaise directly with the Biller to correct the error. Mistaken payments If a BPAY payment is made to a person or for an amount, which is not in accordance with your or any Additional Cardholder’s instructions (if any), and your Account was debited for the amount of that payment, we will credit that amount to your Account . However, if you or an Additional Cardholder were responsible for a mistake resulting in that payment and we cannot recover the amount of that payment from the person who received it within 20 Business Days of us attempting to do so, you must pay us that amount.

54 Unauthorised payments If a BPAY payment is made in accordance with a payment direction, which appeared to us to be from you or an Additional Cardholder (or on your or their behalf) but for which you did not give authority, we will credit your Account with the amount of that unauthorised payment where we agree that you or that Additional Cardholder did not give your or their authority. However, you must pay us the amount of that unauthorised payment if: – we cannot recover, within 20 Business Days of us attempting to do so, that amount from the person who received it; and – the payment was made as a result of a payment direction, which did not comply with our prescribed security procedures for such payment directions as set out in these terms and conditions or as advised by us. If we are able to recover part of the amount of that payment from the person who received it, you must only pay us the amount of payment that was not able to be recovered. Fraudulent payments If a BPAY payment is induced by the fraud of a person involved in the BPAY Scheme, then that person should refund you the amount of the fraud- induced payment. However, if that person does not refund you the amount of the fraud induced payment, you must bear the loss unless some other person involved in the BPAY Scheme knew of the fraud or would have detected it with reasonable diligence, in which case that person must refund you the amount of the fraud-induced payment that is not refunded to you by the person that induced the fraud. Resolution principles If a BPAY payment you or any Additional Cardholder have made falls within the type described in the sub-section titled “Unauthorised Payments” and also the sub-section titled “Mistaken Payments” or the sub-section titled “Fraudulent Payments”,

55 then we will apply the principles stated in the sub-section titled “Unauthorised Payments”. If a BPAY payment you or any Additional Cardholder have made falls within both the types described in sub-sections titled “Mistaken Payments” and “Fraudulent Payments”, then we will apply the principles stated in the sub-section titled “Fraudulent Payments”. No “ Chargebacks ” Except where a BPAY payment is a mistaken payment referred to in the sub-section titled “Mistaken Payments”, an unauthorised payment referred to in the sub-section titled “Unauthorised Payments”, or a fraudulent payment referred to in the sub-section titled “Fraudulent Payments”, BPAY payments are irrevocable. No refunds will be provided through the BPAY Scheme where you have a dispute with the Biller about any goods or services you may have agreed to acquire from the Biller . Any dispute must be resolved with the Biller . Important Even where your or an Additional Cardholder’s BPAY payment has been made using a credit card account or a charge card account, no “ Chargeback ” rights will be available under BPAY Scheme rules. Biller consent If you or an Additional Cardholder tell us that a BPAY payment made from your Account is unauthorised, you must first give us your written consent addressed to the Biller who received that BPAY payment, consenting to us obtaining from the Biller information about your account with that Biller or the BPAY payment, including your customer reference number and such information as we reasonably require to investigate the BPAY payment. If you do not give us that consent, the Biller may not be permitted under law to disclose to us the information we need to investigate or rectify that BPAY payment.

56 Payment queries If, in relation to a transaction, we fail to observe the appropriate procedures for complaint investigation and resolution, allocation of liability and communication of the reasons for our decision, and such failure prejudices the outcome of our investigation of the complaint or delayed its resolution, we may be liable for part or all of the amount of the transaction which is the subject of the complaint. Cut off times Generally, any withdrawal or deposit will be processed on the day instructions are received, provided your or an Additional Cardholder’s instructions are complete and received by us before 6pm (Melbourne time) on any Business Day . Any transaction outside these times may be processed on the following Business Day . A payment may take longer to be credited to a Biller if you tell us to make a payment on a Saturday, Sunday or a public holiday or if another participant in the BPAY Scheme does not process a payment as soon as they receive its details. When a Biller cannot process a payment If we are advised that your payment cannot be processed by a Biller , we will: – advise you or an Additional Cardholder of this; – credit your Account with the amount of the BPAY payment; and – take all reasonable steps to assist you or an Additional Cardholder in making the BPAY payment as quickly as possible. Account records You should check your Account records carefully and promptly report to us as soon as you become aware of any BPAY payments that you think are errors or are BPAY payments that you or an Additional Cardholder did not authorise or you think were made by someone else without your or an Additional Cardholder’s permission.

57 Privacy If you register to use the BPAY Scheme, you and any Additional Cardholder agree to our disclosing to Billers nominated by you or an Additional Cardholder , and if necessary the entity operating the BPAY Scheme (BPAY Pty Ltd) or any other participant in the BPAY Scheme and any agent appointed by any of them from time to time, including Cardlink Services Limited, that provides the electronic systems needed to implement the BPAY Scheme: – such personal information (for example name, email address and the fact that you and any Additional Cardholder are our Customer) as is necessary to facilitate registration for or use of the BPAY Scheme; and – such transactional information as is necessary to process a BPAY payment made on your Account . BPAY payment information will be disclosed by BPAY Pty Ltd, through its agent, to the Biller ’s financial institution. You and Additional Cardholders must notify us , of any personal information changes and you and Additional Cardholders consent to us disclosing any updated personal information to all other participants in the BPAY Scheme referred to in this sub-section, as necessary. You and Additional Cardholders can request access to information held by: – us , by contacting us in one of the ways set out in Part B: Privacy; – BPAY Pty Ltd ABN 69 079 137 518 (BPAY) by phone: (02) 8252 0500, email: info@bpay � com � au or in writing to Level 4, 3 Rider Blvd, Rhodes NSW 2138; or – BPAY’s agent, Cardlink Services Limited ABN 60 003 311 644 by phone: (02) 9646 9222 or in writing to Level 4, 3 Rider Blvd, Rhodes NSW 2138. If personal information about you or an Additional Cardholder as detailed above is not disclosed to BPAY Pty Ltd or its agent, it will not be possible to process a requested BPAY payment.

58 16 � General matters Processing transactions and your Account balance A transaction becomes part of the daily unpaid balance of your Account from its Transaction Date . Transactions may be processed on the day they are made or on a later Business Day . We may assign as their Transaction Date either the day on which they are made, or the day of processing. Interest charges, fees, charges and expenses charged to your Account become part of your daily unpaid balance, on the day they are charged to your Account . We may adjust the balance of your Account to rectify any processing error or because a payment to the Account has been dishonoured. We may also adjust the balance of your Account so as to accurately reflect when a transaction was made and the legal obligations between you and us. Credit balance If your Account has a credit balance (for example because you overpay an amount which is due to us or a refund is processed to your Account ), we will not pay interest on that credit balance. We may pay the credit balance to you by sending you a cheque in the post, paying it into another Account you hold with us or in some other way (unless it is unclaimed money) but will take reasonable steps to provide notice to you if we do so. Codes of conduct Where the ePayments Code and/or Banking Code of Practice apply, relevant provisions of those code(s) will apply to your Account and we will comply with them. We will provide you with a copy of the Banking Code of Practice on request or you can access a copy from the Australian Banking Association’s website https://www � ausbanking � org � au/ .

59 Assignment Subject to applicable laws, we may sell, transfer or assign any of our rights or obligations relating to your Account to anyone without your consent. We will notify you of any sale, transfer, assignment or related arrangements if they have the effect of replacing us as the provider of credit to you , replacing us as the entity responsible for decisions about your Account , cause detriment whether financial or otherwise to you , or limit or reduce your rights under these conditions. Neither you nor any Additional Cardholder may sell, transfer or assign your or their rights and obligations relating to your Account without our consent. Governing law and jurisdiction These conditions are to be interpreted in accordance with Australian laws. You agree to use only Australian courts, tribunals or other dispute resolution bodies if there is a dispute relating to these conditions. Severability If any of these conditions are, for any reason, invalid, illegal or unenforceable, it is to be read down to the extent of the issue, and the remaining provisions will remain valid and enforceable. Commission We may pay commission to a third party in relation to your Account . If it is ascertainable, we state the commission amount payable in your Financial Table . Additionally, Qantas may pay commission to the providers of the third-party credit card comparison sites or email list providers’ digital advertising platform where the credit application was received through their site or platform for the introduction of your credit contract. Waiver and exercise of rights A single or partial exercise of a right by us does not preclude another exercise or attempted exercise of

60 that right or the exercise of another right. Failure by us to exercise or delay in exercising a right does not prevent its exercise or operate as a waiver. Unacceptable Account Conduct We seek to protect our customers from harm arising from unlawful use of, or financial abuse conducted through, our products. We recognise financial abuse may happen to anyone and can include forms of family and domestic violence or elder abuse. We will investigate instances where we identify or are made aware that an Account is being used in a financially abusive manner, including coercive or controlling behaviour to limit a person’s access to or use of funds. We may reasonably exercise our rights in these terms and conditions to close, cancel or suspend use of a Card , access to Online Access or your Account , or not agree to a Credit Limit increase if we reasonably consider it appropriate to protect a customer or another person from financial abuse. You can find more information about family and domestic violence and how to get support if you need it at https://support � qantasmoney � com/ customersupport/family-and-domestic-violence . 17 � Dictionary Interpretation Unless the context requires another meaning, a reference to a document (including these conditions) is a reference to that document as changed or replaced. Where a word or phrase is defined, its other grammatical forms have a corresponding meaning. Headings are for convenience only and do not affect interpretation. Definitions Some definitions in relation to Instalment Plans are set out in section 5, and for Mistaken Internet Payments are set out in section 13A, and not here.

61 Account means your unsecured credit facility with us . Additional Cardholder means another person who you have authorised to have a Card on your Account . Annual Percentage Rate (APR) means the Annual Percentage Rate or rates per annum used to calculate interest charges for your Account . Those rates appear on your statement and the initial rates were set out in the Financial Table . Available Credit means the difference between the Credit Limit and the sum of the outstanding balance and any transactions and other amounts not yet charged to your Account . Balance Transfer means an outstanding balance moved from a credit card or other credit account with another lender to your Account . Balance Transfer Fee means the fee (if applicable) that applies to a Balance Transfer . Balance Transfer Term means the period to which a promotional rate applies to a Balance Transfer offer. Banking Code of Practice means the “ Banking Code of Practice ” , or any superseding publication published by the Australian Banking Association Inc. Biller means a merchant who accepts BPAY payments. Business Day means a day unless that day is: (a) a Saturday or Sunday; or (b) a day gazetted as a public holiday throughout all of Australia. This will not include a day that is only a State, Territory or regional public holiday. Card means any credit card issued by us for use on your Account , including a physical or digital card. Card Balance means the Closing Balance less any Main Instalment Plan Balance (s), Instalment Fee , Initial Interest Charge and Monthly Instalment for that Statement Period , and Overdue Instalment Amounts . Cardholder means you and any Additional Cardholder .

62 Cash Advance means: (a) a transaction where cash or its equivalent is obtained. It includes the purchase of traveller’s cheques, money order and wire transfers, as well as any gambling transaction or transaction to invest in shares or other financial product or related to crypto currency (if these are unable to be blocked by us ); (b) any other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Cash Advances or is treated as a Cash Advance. Chargeback means a transaction that is returned to a merchant to seek a refund after dispute by a Cardholder and, where relevant, the procedures for achieving this. Closing Balance means the total amount outstanding on your Account at the end of the Statement Period . Credit Limit means the maximum amount of credit we tell you in writing you can have on your Account . Financial Table means the Financial Table in the document that forms part of your credit contract. The terms in it can be varied from time to time in accordance with these conditions. Identifier means information including an Account number, Card number and Card expiry date, which is known to you or an Additional Cardholder and which need not be kept secret. Initial Interest Charge means the interest charged on the Instalment Plan in the Statement Period when the Instalment Plan is set up, as described in section 5. Instalment Fee means the fee that may apply for setting up an Instalment Plan . Instalment Plan means a plan under which a particular balance is scheduled to be paid off in a specified number of instalments. See section 5. Interest Free Days Payment means the amount that you need to pay to keep or start a new interest free

63 days period for the Retail Purchase Balance if you have an Instalment Plan or Balance Transfer . Legitimate Interests means: (a) our legitimate funding, business, risk management, prudential or security requirements; or (b) any other requirements that are reasonably necessary to protect us against a material risk that a monetary default will occur. Main Instalment Plan Balance has the meaning given in section 5 of Part A. Minimum Payment Due means the payment described as that in your statement. The Financial Table explains how it is calculated. Monthly Instalment means the monthly repayment instalment under an Instalment Plan . NAB/our/us/we/The Qantas Money Credit Card Team means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) as the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901 ( Qantas ). If the context requires these words to refer to Qantas, they will refer to Qantas undertaking relevant actions or making relevant decisions for or on behalf of NAB. Network means the organisations, institutions and schemes through which transactions may be performed on your Account . Notifiable Event means where a Card or Security Code is, lost, stolen or disclosed to someone else, or where a Card , Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. Online Access means the secure online services that you use to electronically access your Accounts via the Qantas Money Credit Cards App or via https://www � qantasmoney � com/credit-cards . Overdue Amount means any amount that you were obliged to pay in respect of a previous Statement Period , but did not pay by the Payment Due Date .

64 Overdue Instalment Amount has the meaning given in section 5 of Part A. Overlimit Amount means the amount by which your Account balance exceeds your Credit Limit . Overlimit Amounts are due and payable immediately from the date you exceeded the Credit Limit . Payment Due Date means the date specified in your statement as the date by which payment of the Minimum Payment Due must be made. Payment Facility means Cards , Online Access , the customer service centre, Recurring Card Instructions , and BPAY. PIN means the personal identification number we allocated to a Card or selected by a Cardholder . Privacy Act means the Privacy Act 1988 (Cth). Qantas Points means the frequent flyer points earned by Cardholders on eligible transactions (as that is defined in the Qantas Money Rewards Terms and Conditions) and which the rewards program instructs Qantas to credit to the primary Cardholder’s Qantas Frequent Flyer Membership Account, which are subject to the Qantas Frequent Flyer Terms and Conditions. Recurring Card Instruction means an instruction from a Cardholder to a merchant to charge amounts to the Card (using the Card number) on an ongoing basis. See Part A, section 2, Use of Cards and the Account . Retail Purchase means any: (a) purchase of goods or services that is not a Cash Advance ; (b) other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Retail Purchases , is treated as a Retail Purchase transaction type or part of the Retail Purchase Balance , excluding Overdue Instalment Amounts . Retail Purchase Balance means the outstanding balance of all Retail Purchases .

65 Security Code means a Cardholder’s PIN , online password, or any other password or information used to access or transact on the Account and which is known to the Cardholder and is intended to be known only to the Cardholder and which we require the Cardholder to keep secret. Statement Period means the period to which a statement applies. See section 8. Special Promotion means any promotional offer we make available to you , that is not an Instalment Plan or Balance Transfer . Total Cash Limit means the total amount of Cash Advances that can be made on your Account at any time. This is generally the same as your Credit Limit unless we notify you otherwise. See section 2. Total Minimum Payment Due has the meaning set out in the Financial Table . Transaction Date means the date we assign to a transaction on your Account , which could be the day a transaction is made or the day it is processed. See section 16. Unauthorised Transaction means a transaction, made without a Cardholder’s knowledge, consent or authorisation. you/your means the person(s) in whose name the Account is opened.

66 Part B: Privacy In this section Part B: Privacy “ we / us / our ” means (collectively, or separately where the context requires): – National Australia Bank Ltd (“ NAB ”) and its related companies that assist it to provide its services; – Qantas and its related companies that assist it to provide its services. “ You/Your ” means all borrowers on your Account and other individuals named in the application for a Qantas Money Credit Card or to be an Additional Cardholder on a Qantas Money Credit Card. Please also carefully review the respective privacy policies of NAB and Qantas, available on the relevant party’s website and by request (see “ Our policies” section below). Purposes for which we collect, use and disclose your personal information

Personal information is information or an opinion about an identified individual or an individual who is reasonably identifiable. We may collect, use and disclose your personal information (which may include your credit information): – To identify you , conduct checks, understand your requirements, assess this application and future applications made by you and to set up, administer and manage your credit facilities and related services; – to set up, administer and manage your Qantas Money Credit Card and related services; – to conduct reviews of your facility; – to manage promotions and provide benefits associated with your Card and your participation in the rewards program such as ensuring any Qantas Points you earn are properly credited; – to tell you about other products or services that may be of interest to you , or to run

67 competitions and other promotions (this can be via email, telephone, SMS, instant message, mail, or any other electronic means including via social networking forums); unless you unsubscribe or otherwise opt out; – to manage complaints and disputes, and deal with dispute resolution bodies; – to comply with applicable laws, regulations and binding codes both in Australia and overseas including: (a) the National Consumer Credit Protection Act; and (b) the Anti-Money Laundering and Counter- Terrorism Financing Act (AML Act); (c) State and Territory property legislation and other property-related laws (for example, to register and search for security interests) which may authorise or require us to collect your personal information; – to prevent, detect and investigate any actual or suspected fraudulent or criminal activity or other serious misconduct; and – for other purposes as listed in our respective Privacy Policies and Credit Reporting Policies (see “ Our policies”). We will use your information for the purposes we collected it for, as well as for related purposes where you would reasonably expect us to. If you do not provide us with the information we ask for or the information provided is incorrect or incomplete, we may not be able to assess your application or administer the products or services that you are seeking. 2. We usually collect your personal information directly from you . However, we may need to collect personal information about you from third parties for example, where to assist us to process your application or to locate or communicate with you . 3. Where you provide information about another person, it is important in order to protect their privacy, that you let them know you are sharing their information with us , and ensure they are aware of what is in this notice.

68 We do not normally collect sensitive information from you about other people, but you may want to give us this type of information in certain situations (for example, you might tell us about medical or health issues of people in your family when you ask us for financial hardship assistance). It is important that you only give us their sensitive information if the person has agreed to you sharing it with us. Disclosures of your personal information 4. We may disclose your personal information to other related companies and their affiliates, or business partners, for the purposes for which we collect, use and disclose your personal information, and for related purposes where you would reasonably expect us to, and they may disclose or use your personal information for those purposes. We may disclose to, and obtain personal information about you from: – each other (being NAB and Qantas); – each of our affiliates, sales agents and organisations that carry out functions on our behalf including card schemes, mailing houses, printers, data processors, collection agents, researchers, administration or business management services, data warehouses, specialised data matching and trending service providers, payment service providers, consultants, auditors, marketing service providers, and data and document management providers; – reward providers including Qantas or other partners and their service providers; – other credit providers; – any signatory or guarantor, or proposed guarantor, to the facility for which you are applying; – any broker, introducer, financial, legal or other adviser acting in connection with your facility or application; – regulatory and tax authorities in Australia and overseas;

69 – service providers that assist with detection and prevention of fraud and other illegal activity; – credit reporting bodies and other information providers. – any external dispute resolution body; – any insurer relating to a facility of your s; – organisations that have acquired, or are wishing to acquire an interest in any part of our business; – social media and other virtual communities and networks where people create, share or exchange information; – any entity where disclosure to, or collection from, such an entity is required or authorised by law; and – as further set out in our respective Privacy Policies and Credit Reporting Policies (where applicable) (see “ our Policies”). Disclosures to overseas recipients 5. Some of the recipients to whom we disclose your personal information may be based overseas. For a list of countries where such recipients are located, refer to the: – NAB Privacy Policy at https://www � nab � com � au/common/privacy-policy ; – Qantas Money Privacy Statement at https:// www � qantasmoney � com/assets/legals/ qmoney/documents/qantas-money-privacy- policy � pdf ; and – Qantas Privacy Policy at https://www � qantas � com/au/en/support/privacy-and-security � html Exchange of information with Credit Reporting Bodies (“CRB”) and other information services 6. Qantas Money Credit Cards are issued by NAB (AFSL and Australian Credit Licence 230686). In this section, “ we ” refers to NAB only.

70 7. If you are a primary Cardholder and have made an application for consumer or commercial credit, as part of your application, or if you have obtained consumer or commercial credit from us , you agreed that we can obtain credit reporting information about you from a CRB for the purposes of assessing any application for consumer or commercial credit and collecting payments that are overdue in relation to consumer or commercial credit. If you are an applicant for consumer credit, your consent is not required for us to disclose your information to the credit reporting bodies we deal with or for us to request consumer credit information about you from those organisations. Credit reporting bodies make a record of credit information requests, and this data may be used and disclosed for the purpose of assessing credit worthiness, including in relation to calculating credit scores and credit ratings. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score. 8. You also agree that we can obtain, from any business providing information about commercial credit worthiness, commercial credit reports about you for the purposes of assessing applications for consumer or commercial credit. 9. We may disclose personal information about you (including credit information, such as details about the credit that we provide to you , your repayment history and any repayment defaults) to, and obtain credit reporting information about you from CRBs. CRBs may include that information in reports provided to us and other credit providers to assess your credit worthiness. You can review the relevant credit reporting policy at the following link: https:// www � nab � com � au/common/privacy-policy (see Attachment 1: Credit Reporting Policy). This policy contains important information about credit reporting, including the CRBs with which we may share your personal information,

71 their contact details, the type of credit reporting information we share with them (which includes information in relation to defaults and serious credit infringements), and your rights in relation to them (including requesting a CRB not to disclose your credit reporting information if you believe you have been or are likely to be a victim of fraud, or not use your credit reporting information for pre-screening of direct marketing). 10. We have certain rights to conduct credit assessments and other reviews of your Qantas Money Credit Card facility on an ongoing basis. We may also exchange personal information (including credit information) with the CRBs that we deal with in connection with these reviews and in accordance with the Privacy Act . This may include the collection of your credit report or other credit eligibility information from a CRB or CRBs in certain circumstances. For example, in relation to the collection of overdue payments or in order to offer appropriate assistance where we think you may be at significant risk of default. 11. Please refer to our Credit Reporting Policy in Attachment 1 of the NAB Group Privacy Policy at https://www � nab � com � au/common/privacy- policy for more information about NAB’s credit information handling practices. Our policies (including how to access and correct information and make a complaint) 12. You can review the: – NAB Privacy Policy at https://www � nab � com � au/common/privacy-policy ; or – Qantas Money Privacy Statement at https:// www � qantasmoney � com/assets/legals/ qmoney/documents/qantas-money-privacy- policy � pdf ; or – Qantas Privacy Policy at https://www � qantas � com/au/en/support/privacy-and-security � html 13. Our policies include information on how you can access and/or seek correction of the personal information (including where relevant, credit

72 information and credit eligibility information) we hold about you . These policies also contain information as to how you can make a privacy-related enquiry or complaint and how we will respond. There is no charge for making an access request but an administration fee may apply for providing access in accordance with your request. Your request will usually receive a response within 30 days. 14. The NAB Privacy Policy contains the NAB Credit Reporting Policy (see Attachment 1) and the details of the CRBs to whom we disclose your personal information and how to contact them and seek copies of your credit report and their policies related to handling your personal information including your credit information. Consent for NAB to exchange your personal information with Qantas 15. You consent to NAB exchanging your personal information with Qantas. This includes details such as identification and contact details, information we receive as part of your application and information relating to your Qantas Money Credit Card and Account (and your use of it). Your marketing communications preferences 16. Unless you have previously opted out of direct marketing in connection with your Account , by completing an application as a primary Cardholder or, by activating or continuing to use your Qantas Money Credit Card as an Additional Cardholder , you agreed that we, our affiliate companies, and our or their partners may use your personal information to keep you informed about offers relating to this product and other products, services and offers which may be of interest to you . They may do this by phone, mail, email and SMS or other electronic messages. 17. These consents shall remain in effect unless and until you utilise the unsubscribe facility

73 in the communication or otherwise notify us that you do not want to receive Qantas Money communications. When you apply for a new Qantas Money product and agree to receive offers and other marketing communications in the application process, we will keep you informed about offers and products related to your application. You can opt out using the unsubscribe functionality in any marketing message and you can manage your marketing communication preferences at any time by logging into your profile at qantas � com . 18. Note: If you have not told us that you do not wish to receive these communications by phone, you may be contacted even if you have registered your phone number on the national Do Not Call Register. Verification 19. Your telephone calls and conversations, including any electronic chat, with a customer service representative may be recorded and monitored for quality, training and verification purposes. Card Offers 20. We will provide your personal information (which will include your Primary Account Number (PAN) and historical transactions) to our service provider Mastercard Loyalty Solutions Australia Pty Ltd (“MLS”), to enable personalised offer matching assignment and fulfilment, based on your previous spend. This also allows verification of whether or not you have fulfilled the terms of the Card Offers. You agree that MLS will use the information provided to it to monitor activity on your Card to determine whether you have qualified for or earned towards Card Offers, and for the purposes of analysing the data and reporting that to us for the purposes of validating your eligibility for Card Offers. For more information about how Mastercard handles your data, please refer to https://www � mastercard � us/en- us/about-mastercard/what-we-do/privacy � html .

74 More information and contacting us 21. If you wish to find out more information, notify us that you don’t want to receive communications, or raise any specific or general concerns about us and our Privacy Policies, please: – Log in and chat with us ; – Telephone: 1300 992 700; or – Write to: Qantas Money Credit Cards - Privacy GPO Box 9992 Melbourne VIC 3001

75 Part C: Credit Guide This Part applies if your Account is regulated by consumer credit legislation. It may not all be relevant for Accounts that are designated as “Business Accounts ”. This Credit Guide and other disclosure documents that we may give you , are important documents. These documents are all written in English. You need to ensure that you read and understand these documents before you make a decision to obtain credit. If you are unable to read English you should get help from an independent translator to interpret this material. What is a Credit Guide? This Credit Guide is designed to assist you in understanding the credit services offered by National Australia Bank Limited ABN 12 004 044 937, AFSL and Australian Credit Licence 230686 (“the Credit Provider”) in relation to Qantas Money Credit Cards. The Credit Provider holds an Australian Credit Licence (ACL) issued by the Australian Securities and Investments Commission (ASIC). In this Credit Guide “ we ”, “ our ” and “ us ” means the Credit Provider . This Credit Guide outlines the types of credit services and credit contracts that the Credit Provider provides, gives information on the Credit Provider ’s obligations to you with respect to providing those services, and if necessary, how to make a complaint. How you can contact us ? You can contact the Credit Provider by: – Logging in and chatting with us ; or – Calling 1300 992 700.

76 How do we engage in credit activities and provide credit services? The Credit Provider engages in credit activities by entering into credit contracts with you . These contracts include: – Credit cards – Revolving lines of credit or personal loans – Temporary or ongoing Credit Limit increases The Credit Provider provides credit services to you by: – suggesting to you or assisting you with applying for new credit products; – at your request, assisting you to increase limits on your credit products; or – suggesting to you that you remain in a credit product. The Credit Provider also engages third parties to provide credit services to you . How will we provide credit contracts to meet your needs and circumstances? Before entering into a credit contract with you for new or increased credit, the Credit Provider will perform a credit assessment. This assessment will involve making enquiries as to your financial circumstances, an assessment of your requirements and objectives, and performing certain verifications of the financial information. The purpose of the assessment is to check, based on the information supplied, that you will be able to comply with the credit contract or Credit Limit increase agreement and that complying will not create a situation of substantial hardship for you , and to ensure that the contract meets your needs and objectives. This is a legal obligation of the Credit Provider . If it is likely that you will only be able to meet your repayment obligations by selling your principal place of residence, it must generally be presumed that you would only be able to comply with your obligations with substantial hardship, and such a

77 credit contract or Credit Limit increase agreement will not be entered into. It is important that you provide complete and accurate information about your current financial situation, and also about any likely future changes that may impact your ability to repay the loan without facing financial hardship. Obtaining a copy of the credit assessment Before entering into the credit contract or Credit Limit increase agreement, you may request a written copy of the credit assessment, in which case the assessment must be supplied before the contract is entered into. You may also request a copy of the credit assessment at any time during the 7 years after the day the credit contract is entered into or the limit increased. In this case, if the request is made within the first 2 years, then the assessment must be supplied to you within 7 Business Days . If the request is made beyond the first 2 years, then the assessment must be supplied to you within 21 Business Days . There is no charge for the supply of the credit assessment. Note: We are not required to provide you a copy of the assessment if the credit application or increase has been declined. What should you do if you have a complaint? If you have a complaint about the service provided to you , you can lodge your complaint in one of the following ways: – By phone: call us on 1300 861 537 Monday to Friday, 8am to 6pm (Melbourne time) – By email: Email us anytime at customerresolutions@creditcards � qantasmoney � com – In writing: Post your written complaint to: Qantas Money Credit Cards – Customer Resolutions Reply Paid 2870 Melbourne VIC 8060

78 Once you have contacted us , we will begin the process of investigating and resolving your complaint. We will try to resolve your complaint quickly and fairly, however some complaints do take more time than others. If we anticipate that your complaint will take longer than 21 days to resolve, we will contact you within this time to provide you with an update on our progress. If we are unable to resolve your complaint within 30 days (or within 21 days if it involves a hardship notice, default notice or request to postpone enforcement), we will: (a) tell you the reasons for the delay; (b) tell you the date by which you can reasonably expect to hear the outcome of our investigation; and (c) give you monthly updates on the progress; (d) tell you about your right to complain to the Australian Financial Complaints Authority (AFCA) if you are dissatisfied; and (e) provide you with contact details for AFCA (also set out below). For complaints involving hardship notice, default notice or request to postpone enforcement, exceptions apply to the 21 day timeframe if we do not have sufficient information to make a decision or we reach an agreement with you . If we require further information from you , then we will request it within 21 days of receiving the complaint. We also have a Customer Advocate whose role is to promote fair customer outcomes, advise and guide our complaints teams on how best to resolve complaints, and recommend changes to our bank policies, procedures and processes. Alternate dispute resolution paths If, despite our best efforts, you feel the dispute resolution process was not fair, or you remain unhappy with the outcome, you can refer your complaint to: – The Australian Financial Complaints Authority (AFCA). AFCA offers an independent alternative

79 dispute resolution service to customers who have been through our internal complaint process. How to contact AFCA Post: GPO Box 3, Melbourne VIC 3001 Phone: 1800 931 678 (free call) Email: info@afca � org � au Website: www � afca � org � au – The Australian Securities and Investments Commission (ASIC) also has a free information line on 1300 300 630 that can be used to get more information on your rights, and how to make a complaint.

80 Part D: Information Statement This Part applies if your Account is regulated by consumer credit legislation. It may not all be relevant for Accounts that are designated as “Business Accounts ”. Things you should know about your proposed credit contract This statement tells you about some of the rights and obligations of your self and your credit provider. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider and, if you still have concerns, the AFCA scheme, or get legal advice. THE CONTRACT

How can I get details of my proposed credit contract? Your credit provider must give you a pre- contractual statement containing certain information about your contract. The pre- contractual statement, and this document, must be given to you before your contract is entered into.
How can I get a copy of the final contract? If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy: – within 14 days of your written request if the original contract came into existence 1 year or less before your request; or – otherwise within 30 days of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to the credit provider so long as: – you have not obtained any credit under the contract; or

81 – a Card or other means of obtaining credit given to you by your credit provider has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any fees or charges incurred before you terminated the contract. 4. Can I pay my credit contract out early? Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract. 5. How can I find out the payout figure? You can write to your credit provider at any time and ask for a statement of the payout figure as at any date you specify. You can also ask for details of how the amount is made up. Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees. 7. Can my contract be changed by my credit provider? Yes, but only if your contract says so. 8. Will I be told in advance if my credit provider is going to make a change in the contract? That depends on the type of change. For example: – you get at least same day notice for a change to an Annual Percentage Rate . That notice may be a written notice to you or a notice published by your credit provider. – you get 20 days’ advance written notice for: • a change in the way in which interest is calculated; or

82 • a change in credit fees and charges; or • any other changes by your credit provider; except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at 1800 931 678 (free call), info@afca � org � au , www � afca � org � au and by writing to GPO Box 3, Melbourne VIC 3001. Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www � asic � gov � au . INSURANCE 10. Do I have to take out insurance? Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider cannot insist that you use any particular insurance company. 11. Will I get details of my insurance cover? Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a

83 copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing your insurer must give you a statement containing all the provisions of the contract. 12. If the insurer does not accept my proposal, will I be told? Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected. 13. In that case, what happens to the premiums? Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer. GENERAL 14. What do I do if I cannot make a repayment? Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways: – to extend the term of your contract and reduce payments; – to extend the term of your contract and delay payments for a set time; or – to delay payments for a set time. 15. What if my credit provider and I cannot agree on a suitable arrangement? If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 17.

84 16. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 17. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully. IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE. THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME CAN BE CONTACTED AT 1800 931 678 (FREE CALL), INFO@AFCA � ORG � AU , WWW.AFCA.ORG.AU AND BY WRITING TO GPO BOX 3, MELBOURNE VIC 3001. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

85 Contact us Report security issues 24 hours a day Access the Qantas Money Credit Cards App or log in to https://www � qantasmoney � com/credit- cards to report a lost or stolen Card and request a replacement. Alternatively, you can call us on 1300 992 700 from within Australia or +61 2 8222 2569 from overseas 24 hours a day, 7 days a week: – to report lost or stolen Cards , devices or Security Codes ; – if you need any assistance with any Payment Facility ; – if you need general descriptive information on Account opening procedure, our obligations regarding the confidentiality of your instructions, complaint handling procedures, you informing us when you are in financial difficulty or the advisability of you reading the terms and conditions applicable to your Account in full; or – if you need to obtain current details of limits, fees, charges and interest rates. For more information visit https://www � qantasmoney � com/credit-cards If you are calling within Australia 1300 992 700 If you are calling outside Australia +61 2 8222 2569 For general correspondence or to notify us of things please: – Log in and chat with us ; – Call 1300 992 700; or – Write to: Qantas Money Credit Cards GPO Box 9992 Melbourne VIC 3001

86 For privacy related enquiries: – Login and chat with us ; – Call 1300 992 700; or – Write to: Qantas Money Credit Cards - Privacy GPO Box 9992 Melbourne VIC 3001 For accessibility and disability support information, please visit https://support � qantasmoney � com/ customersupport/accessibility-and-disability- support

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Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Benefit_Terms.pdf

Qantas Money Titanium Credit Card Benefit Terms and Conditions – Lounge Invitation Benefit – Discounted Fares Benefit – Status Credit Benefit – Qantas Wine Benefit – Qantas Wellbeing App Benefit Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB.

Contents

Meaning of Words . . . . . . . . . . . . . 3
Participation . . . . . . . . . . . . . . . . . 6
Lounge Invitation Benefit . . . . . . . . 8
Discounted Fares Benefit . . . . . . . . 9
Status Credit Benefit . . . . . . . . . . 12
Qantas Wine Benefit . . . . . . . . . . . 13
Qantas Wellbeing App Benefit . . . . 14

3 Introduction These Terms and Conditions set out when you are eligible for the Lounge Invitation Benefit , Discounted Fares Benefit , Status Credit Benefit , Qantas Wine Benefit, and Qantas Wellbeing App Benefit all of which are Special Features of the Qantas Money Titanium Credit Card. These Terms and Conditions will apply to you if you have been issued with a Card as the Primary Cardholder .

Meaning of Words When you see these words used in these Terms and Conditions, this is what they mean: Account means your Qantas Money Titanium unsecured credit facility with us . For the avoidance of doubt, these Terms and Conditions do not apply to the Qantas Money Everyday or Qantas Money Platinum unsecured credit facilities. Anniversary Year means the rolling 12 month period from the date the Account is approved by us . Card means your Qantas Money Titanium Credit Card. Cardholder means a holder of a Qantas Money Titanium Credit Card and any additional cardholder. Complimentary Lounge Invitation or Lounge Invitation means a complimentary invitation to a Lounge, as governed by the Qantas Airport Lounge Access Terms and Conditions . Discounted Fares Benefit means a discount, as advertised in the relevant promotion, on the base fare (excluding taxes, fees and carrier charges) of selected domestic and international flights.

4 Lounge means eligible domestic Qantas Club and Qantas -operated International Business Lounges (excludes Los Angeles, Tom Bradley Terminal). Lounge Invitation Benefit means access to Qantas First Lounges , domestic Qantas Club or Qantas operated International Business Lounges as governed by the Qantas Airport Lounge Access Terms and Conditions . First Lounge means Qantas -operated First Lounges in Sydney, Melbourne, and Los Angeles. Mixed-Class Flight Itinerary means an itinerary that includes one or more flights and more than one of the following travel classes: ‘Economy’, ‘Premium Economy’, ‘Business’ and ‘First’. Multi-City Flight Itinerary means an itinerary that includes two or more flights (excluding an itinerary that includes only a return flight), and which is referred to by Qantas as a ‘multi-city itinerary’. NAB/our/us/we means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) as the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901 ( Qantas ). If the context requires these words to refer to Qantas , they will refer to Qantas undertaking relevant actions or making relevant decisions for or on behalf of NAB . Online Access means the secure online services that you use to electronically access your Accounts via the Qantas Money Credit Cards App or via https://www.qantasmoney.com/ credit-cards . Primary Cardholder means the person in whose name the Account is held and who is responsible for all transactions on the Account .

5 Qantas means Qantas Airways Limited ABN 16 009 661 901, its successors and assigns. Qantas Airport Lounge Access Terms and Conditions has the meaning given in section 2.2. Qantas Conditions of Carriage has the meaning given in section 2.2. Qantas Frequent Flyer means the loyalty program known as the Qantas Frequent Flyer Program. Qantas Frequent Flyer Terms and Conditions has the meaning given in section 2.2. Qantas Points means frequent flyer points awarded to members in Qantas Frequent Flyer pursuant to the Qantas Frequent Flyer Terms and Conditions . Qantas Money Concierge Service means the Concierge Services provided to Primary Cardholders as described in the Qantas Money Credit Card Rewards Terms and Conditions . Qantas Money Credit Card Terms and Conditions means the document titled ‘Qantas Money Credit Card Terms and Conditions and Other Important Information’ available at qantasmoney.com/ terms as amended from time to time. Qantas Money Credit Card Rewards Terms and Conditions means the document titled ‘Qantas Money Credit Card Rewards Terms and Conditions’ available at qantasmoney.com/terms as amended from time to time. Qantas Wellbeing App Benefit means access to the Qantas Wellbeing App. Qantas Wellbeing Program Terms and Conditions has the meaning given in section 2.2. Qantas Wine means the Qantas Frequent Flyer Food and Wine Club known as ‘Qantas Wine’. Qantas Wine Premium Membership means you will receive privileged access to premium wines, free delivery within Australia on all Qantas

6 Wine orders, 3 Qantas Points per $1 spent on eligible purchases from Qantas Wine and invites to gourmet food and wine events around Australia. Qantas Wine Terms and Conditions has the meaning given in section 2.2. Special Feature means any feature or promotional offer related to the Card we identify as a Special Feature. Status Credit Benefit means the additional 20% Status Credits earned on Status Credit earning flights. Status Credits are credits which are awarded to Qantas Frequent Flyer members in accordance with Clause 21.1 of the Qantas Frequent Flyer Terms and Conditions . you/your means the person in whose name the Account is opened. All other capitalised terms used in these Terms and Conditions have the same meaning as in the Qantas Money Credit Card Terms and Conditions and Qantas Money Credit Card Rewards Terms and Conditions . 2. Participation 2.1 You accept these Terms and Conditions as a Qantas Money Titanium Cardholder when you use one of the benefits provided under these Terms and Conditions. 2.2 These terms are to be read in conjunction with, and are not designed to replace or alter, the following terms and conditions, as amended from time to time: 2.2.1 Qantas Airport Lounge Access Terms and Conditions available via qantas. com/loungeaccessterms (Qantas Airport Lounge Access Terms and Conditions)

7 2.2.2 The Qantas Frequent Flyer Terms and Conditions available via qantas. com/au/en/frequent-flyer/discover- and-join/terms-and-conditions.html (Qantas Frequent Flyer Terms and Conditions) 2.2.3 Qantas Wellbeing Program Terms and Conditions available via insurance. qantas.com/termsofuse (Qantas Wellbeing Program Terms and Conditions) 2.2.4 The Qantas Conditions of Carriage available at qantas.com/au/en/book-a- trip/flights/conditions-of-carriage.html (Qantas Conditions of Carriage) 2.2.5 The Qantas Wine Terms and Conditions available via wine.qantas. com/termsandconditions (Qantas Wine Terms and Conditions) and any other terms and conditions disclosed at the time of redemption. 2.3 To the extent of any inconsistency between these Terms and Conditions and the terms and conditions listed above, the terms and conditions listed above will prevail. 2.4 We may determine, acting reasonably, that you are not entitled to access these benefits on the basis that: 2.4.1 you are in breach of your Credit Card Terms and Conditions ; 2.4.2 your Account is suspended; 2.4.3 we reasonably suspect you (or an additional Cardholder ) are operating your Account fraudulently; or 2.4.4 your Account is closed or cancelled (whether by us or by you ), including if you cease to be a Qantas Frequent Flyer member.

8 2.5 We may amend these Terms and Conditions at any time by posting a revised version on qantasmoney.com/terms . Where material changes are made (including a material change to, or the withdrawal of, any Special Feature ), we will attempt to provide you with at least 30 days’ notice or as much notice as is reasonably practicable. We will do this by publishing on our website or otherwise notifying you . 3. Lounge Invitation Benefit 3.1 The Lounge Invitation Benefit comprises: 3.1.1 Two complimentary single-entry Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne, or Los Angeles; and 3.1.2 Two complimentary single-entry Lounge Invitations to domestic Qantas Club or Qantas operated International Business Lounges (excluding International First Lounges , Chairman’s Lounge, Qantas Domestic Business, Qantas International Business Lounge (Los Angeles, Tom Bradley Terminal), Qantas oneworld® alliance airline, partner airline or associated lounges). 3.2 The Lounge Invitation Benefit will be made available to the Primary Cardholder each Anniversary Year . 3.3 Use of the Lounge Invitation Benefit and the Lounge are subject to the Qantas Airport Lounge Access Terms and Conditions . 3.4 Each Lounge Invitation Benefit is valid for a single visit on the date specified on the Lounge Invitation , when travelling with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. In order to enjoy your invitations, please link your complimentary Lounge

9 Invitation to your eligible flight before you travel. 3.5 If Lounge access is declined (e.g. due to capacity constraints), and a substitute is not offered, you may complete the refund form on qantas.com/au/en/manage-booking/ refunds.html and request for the pass to be reissued. Any decision to accept or decline the request is at Qantas’ discretion, which it will exercise acting reasonably. 3.6 Each Anniversary Year’s Lounge Invitation Benefit cannot be carried forward to a subsequent year. 3.7 Lounge Invitation Benefit can be accessed through qantas.com/freeloungeinvite . 3.8 Lounge Invitation Benefits are valid for 12 months from date of issue unless otherwise specified. 3.9 The Lounge Invitation Benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.5. 3.10 Any capitalised terms used in this section 3 that are not defined in these Terms and Conditions are defined in the Qantas Airport Lounge Access Terms and Conditions . 4. Discounted Fares Benefit 4.1 The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per Anniversary Year on domestic and international flights operated by Qantas and QantasLink. For the avoidance of doubt, all flights and/or segments of the booking must be Qantas or QantasLink operated. Flight numbers that start with ‘QF’ does not mean flights are operated by

10 Qantas or QantasLink. Find out more about which QF flights are not operated by Qantas or QantasLink at https://help.qantas.com/ support/s/article/Flights-not-operated-by- Qantas . 4.2 The Discounted Fares Benefit can be used for any traveller, whether travelling with the Primary Cardholder or not, however the flight must be booked and paid for on the Card . 4.3 Your entitlement to the Discounted Fares Benefit cannot be carried forward to any subsequent Anniversary Year . 4.4 The booking must be made by you through the booking portal available via your Online Access and you must pay for the booking in full using your Card . 4.5 If the discount is to be used for two travellers, flights for both travellers must be made on the same booking number, day and flight(s). 4.6 The Discounted Fares Benefit is available on all Qantas and QantasLink operated domestic and international fare classes, with discounts only applied to the base fare and excluding taxes, fees and carrier charges. 4.7 The Discounted Fares Benefit will be applied to a booking (each booking may contain multiple flights and/or segments). 4.8 The Discounted Fares Benefit is available on one-way and return domestic and international flights (whether or not such flights include stopovers), but if you book a one-way flight and choose to use the Discounted Fares Benefit , that is a redemption of one of the two of the Discounted Fares Benefit for that Anniversary Year . If you subsequently choose to make another flight on the same trip (e.g. a return flight) and a separate booking is created, use of the Discounted Fares

11 Benefit will be considered a redemption of the second benefit. The Discounted Fares Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itinerary , except Mixed- Class Flight Itineraries that include only the following travel classes: (a) ‘Economy’ and ‘Premium Economy’; or (b) ‘Business’ and ‘First’. 4.9 The Discounted Fares Benefit is available on sale class fares; however it cannot be combined with any other offer, discount or promotion unless otherwise specified. 4.10 Flights booked using the Discounted Fares Benefit can be viewed and edited on qantas. com, Manage booking. Any changes to the flight may incur a fee, and result in a higher fare price. The discount will be applied to the higher fare price; however you are responsible for payment of the difference between the new fare and original fare (less the discount). Some fares are non- refundable. Cancellation fees and charges may also apply. 4.11 All travel is subject to Qantas Conditions of Carriage (available at qantas.com/au/en/ book-a-trip/flights/conditions-of-carriage. html ) and the fare rules applicable to the booking. Flights are subject to availability. Qantas reserves the right to cancel any Discounted Fares Benefit bookings made by you that are not compliant to the Qantas Money Titanium Credit Card Benefit Terms and Conditions. 4.12 This benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.5. Changes or withdrawals made by us

12 to this benefit will not affect a Discounted Fares Benefit already applied to an existing booking. 5. Status Credit Benefit 5.1 The Status Credit Benefit comprises a bonus on the standard Status Credits awarded for Qantas and QantasLink marketed and operated flights. To earn the Status Credit Benefit : (a) the flight must be paid for using the Card ; (b) the flight must be booked via qantas. com (including the Discounted Fare Benefit Online Access booking portal) or the Qantas Contact Centre; and (c) the person travelling must be a Cardholder . 5.2 Status Credit Benefits will not contribute to the following (refer to www.qantas.com/ fflyer/dyn/flying/status-credits for further explanation of these excluded benefits): 5.2.1 Attaining or retaining Platinum One tier (i.e. members receive the benefit of Status Credit Benefits up to Platinum, however beyond this the Status Credit Benefits will not apply); 5.2.2 Lifetime Status; 5.2.3 Loyalty Bonuses; 5.5.4 Platinum Bonus Reward; or 5.2.5 Platinum One Member additional benefits. 5.3 Status Credit Benefits are not available in conjunction with other Status Credit promotions.

13 5.4 Status Credit Benefits will expire at the same time as the underlying Status Credits . 5.5 With the above exceptions, Status Credit Benefits earned via the Card are subject to the Qantas Frequent Flyer Terms and Conditions . 5.6 The Status Credit Benefit is subject to change or withdrawal at any time, at Qantas’ discretion. We will communicate any such change or withdrawal in accordance with section 2.5. 6. Qantas Wine Benefit 6.1 Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions . 6.2 Qantas Wine Premium Membership gives you access to, among other things, free delivery within Australia on all gourmet food and wine orders placed with Qantas Wine . 6.3 You agree to be enrolled into a Qantas Wine Premium Membership when you activate your Account . 6.4 Any annual membership fee that usually applies for Qantas Wine Premium Membership will be waived so long as you remain the Primary Cardholder . 6.5 Should you already have paid a Qantas Wine Premium Membership , the fee will be waived in subsequent membership years, as long as you remain the Primary Cardholder . 6.6 When you close your Account or cease to be the Primary Cardholder , your Qantas Wine Premium Membership will be terminated, unless you have some other entitlement to continue to hold Qantas Wine Premium Membership .

14 6.7 This benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.5. 6.8 Liquor Act 2007 (NSW): No alcohol can be sold or supplied to anyone under 18. It’s against the law. Licence Number: NSW LIQP770016736, NT IRL0201, SA 57900154. 7. Qantas Wellbeing App Benefit 7.1 The Qantas Wellbeing App is offered by Qantas and you must be a member of the Qantas Frequent Flyer (QFF) program and 13 years of age or over to use it. The Qantas Wellbeing Program Terms and Conditions apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions . 7.2 Each Qantas Money Titanium Primary Cardholder can earn up to 20,000 Qantas Points in a year through the App as part of this offer. To earn 20,000 points, you must complete the highest daily and weekly challenges, win every weekly group challenge and complete all checks. Qantas Points earned via the App will be credited to your Qantas Frequent Flyer membership account on a fortnightly basis. Qantas may amend or withdraw this offer including points offers for activities within the App at any time. 7.3 This benefit is subject to change or withdrawal at any time, at our discretion. We will communicate any such change or withdrawal in accordance with section 2.5.

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National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB. QCC16829_(0725) For more information Visit us at qantasmoney.com/credit-cards/ titanium Alternatively, you can call us 24 hours a day, 7 days a week: – if you are calling within Australia 1300 019 682 – if you are calling from outside Australia +61 2 8288 2452 To make changes to an existing Discounted Fares Benefit booking visit qantas.com or call the Qantas Contact Centre on 13 13 13 .

Source: https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf

Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. For the purpose of this communication, our/us/we/The Qantas Money Credit Card Team refers to NAB.

Contents Travel Tips 4 General Terms and Conditions 5 Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Eligibility for cover under this Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Eligibility for Insurance Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Cover Sections, Benefits and Benefit Limits . . . . . . . . . . . . . . . . . . . . . . . . 10 Exclusions within this Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Automatic End Date Extension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Important Things To Know About This Policy . . . . . . . . . . . . . . . . . . . . . . . 12 Excess . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Pre-Existing Medical Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 COVID-19 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Pregnancy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Excluded Sports and Activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Travelling Against Medical or Government Advice . . . . . . . . . . . . . . . . . . . . 16 Return Trips Only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Goods and Services Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Australian Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Australian Currency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Termination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 General Enquiries 17 Chubb Assistance (In the event of an Emergency) 17 Definitions 18 Coverage Summary 26 Schedule of Benefits 34 Section A – Trip Cancellation and Amendment Cover 40 Section B – Overseas Medical Emergency Expenses Cover 44 Section C – Accidental Death Cover 48 Section D – Public Transport Accident Cover 49 Section E – Loss of Income Cover 50

Section F – Resumption of Long Overseas Trip Cover 52 Section G – Trip Delay Cover 54 Section H – Personal Baggage , Valuables , Money and Travel Documents Cover 56 Section I – Hijack Cover 61 Section J – Personal Liability Cover 62 Section K – Rental Vehicle Excess Cover 64 Section L – Card Purchase Cover 65 Section M – Buyer’s Advantage Cover 67 General Exclusions Applicable to All Sections 69 How do I make a claim? 73 Complaints and Dispute Resolution 75 Financial Claims Scheme 76 Chubb Privacy Statement 77 General Insurance Code of Practice 79 Sanctions 79

4 Travel Tips These travel tips are intended as general information only and do not take into consideration your personal circumstances. Chubb does not accept any liability arising from any reliance upon these travel tips. Confirm whether you meet the eligibility criteria before going on a Trip Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for your travel destination and the countries you plan to visit on your Trip Pack a sufficient supply of your regular medications in your carry-on luggage. This way, if your luggage is lost or delayed you won’t have any concern over taking your medication as required Find out the emergency services contact numbers for the destination(s) and any other countries you are travelling to. Record the numbers for police, ambulance, your travel insurance provider and the nearest Australian Embassy Visit your Doctor and Dentist for a general check-up before you leave Home . Ask about any vaccinations relevant to your destination and any other countries you intend to visit during your Trip . Ensure your regular vaccinations, such as the flu shot and tetanus shot, are up to date. Get your Doctor to print a list of all your current medications, their generic names, dosages and frequency taken. Print a spare copy and keep it separate from your main luggage

5 General Terms and Conditions This Policy is effective from 8 September 2025 Group Policy Number: 09NACCITQB Terms and Conditions This Policy sets out important information about the insurance available to eligible Card Members and Additional Card Members . The Policy explains the nature of the arrangements and their relevant benefits and risks. If you feel that this product does not meet your specific needs and intended coverage, this Policy may not be right for you . You may need to buy separate or additional insurance if you do not satisfy the eligibility requirements or if this Policy does not cover you or the things you need cover for. No advice is provided by Chubb or National Australia Bank ( NAB ) on whether this insurance is appropriate for your needs, financial situation or objectives. You need to decide if the limits, type and level of cover are appropriate for you . You are not obliged to accept any of the benefits of the cover applicable to your Qantas Money Titanium Credit Card . However, if you wish to make a claim under the cover provided within this Policy , you will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document. There is no obligation to accept any of the benefits of this Policy . However, if you wish to make a claim under the cover provided within this Policy , you will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document. Group Policy with Chubb National Australia Bank Limited ( NAB ) (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) is the insured under the Group Policy . Where you have met the eligibility requirements set out in the Eligibility for Insurance Table, under the Group Policy you get automatic access to the benefits detailed in this Policy provided by Chubb as the insurer. You are not charged by Chubb for these benefits and can access the relevant benefits if you are a Card Member or an Additional Card Member . NAB has the right to terminate the Group Policy or suspend any insurance benefits. – If the insurance is terminated, the insurance benefits will no longer be available to Card Members to claim for any Event that occurred after the termination date, even if Card Members are eligible before the termination date; – If only certain coverage sections of the insurance benefits are suspended for a specific period of time, you will still be able to meet the eligibility criteria of the cover, except for these particular benefits. NAB will notify you if NAB will take any of these actions. About Chubb Insurance Australia Limited Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No. 239687) ( Chubb ) is the insurer and issuer of this product. In this Policy , “ we ”, “ us ”, “ our ” means Chubb .

6 Chubb is an Australian financial services licensee (Licensee) authorised to deal in and provide advice in relation to general insurance products . Our contact details are: ABN: 23 001 642 020 AFS Licence Number: 239687 Head Office: Grosvenor Place, Level 38, 225 George Street, Sydney NSW 2000 Postal address: GPO Box 4907, Sydney NSW 2001 P 1800 055 268 F +61 2 9335 3467 E CustomerService AUNZ@chubb com Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are not a contracting insured (i.e. you cannot vary or cancel the cover – only NAB can do this) and you do not enter into any agreement with us . NAB is not the insurer, nor does it guarantee or hold this right on trust for you and it does not act as Chubb’s agent (that is, on behalf of Chubb ). Neither NAB nor any of their related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth) ) of Chubb or any of its related companies. No Advice NAB is not authorised to provide any advice, recommendations or opinions about this insurance on behalf of Chubb . Updating this Policy Information in this Policy may be updated where necessary. A copy of any updated information is available to you at no cost by visiting the website at qantasmoney com/terms . NAB will notify you in writing when there is an update to this Policy . Other Insurance The insurance cover described in this Policy is provided for your benefit under the Group Policy entered into between Chubb and NAB . If you are entitled to receive a benefit or make a claim under another policy (for example a home and contents policy, an alternative mobile phone policy or individual travel insurance) in respect to the same loss as your claim under this Policy , then to the extent permitted by law Chubb is not liable to provide indemnity under this Policy until the amount of any indemnity under the other policy is exhausted. Therefore, any insurance cover under this Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Policy . This clause does not apply to Section C – Accidental Death Cover or Section D – Public Transport Accident Cover. Important information about this Policy As a Card Member or Additional Card Member , you are entitled to insurance coverage and services under this Policy when you have a Qantas Money Titanium Credit Card and meet all the eligibility criteria (see the Eligibility for Insurance Table). This Policy has been designed to offer two main insurance coverage and services. These include:

travel insurance
retail item protection For travel insurance, the product and service has been designed to cover eligible* Card Members and Additional Card Members :

7 – that have a valid Qantas Money Titanium Credit Card (which means it is in-force and valid); – that do not have a Pre-Existing Medical Condition as defined in this Policy ; – who are 79 years of age or you nger when making a Relevant Travel Purchase ; – who are not travelling more than: (a) 180 consecutive days for Overseas Return Trips ; or (b) 14 consecutive days for Domestic Return Trips ; – who are a Resident of Australia ; – who start and end their Trip from Australia . *Please refer to the Eligibility for Insurance Table for a list of eligibility criteria. Remember to check this Policy Please familiarise yourself with this Policy. We want to ensure you are clear about what this Policy covers you for. If you are unclear about anything in this document, please call 1800 055 268 and our insurance team will be happy to assist you with any enquiries. It’s important to check this Policy from time to time, particularly before you go away, to remind yourself of what is and isn’t covered. Some things you might consider doing whilst travelling might be dangerous and not covered (for example, jet skiing, bungee jumping or hiring a scooter if you don’t have a motorcycle licence). You also need to make sure you take care of your belongings, make sure you keep valuable possessions on you and never leave your luggage Unattended . If you need to make a claim, keep supporting documents and proof of any loss, including all police reports, sales receipts and charge card statements showing any purchases made. The cover provided is subject to any endorsements and/or amendments to this Policy from time to time. A copy of any updated information is available to you at no cost by visiting qantasmoney com/terms . This Policy replaces and supersedes any Policy previously issued prior to the effective date. This Policy applies to claims for Event(s) occurring on or after the effective date of this Policy . If the Event(s) occurred prior to the effective date of this Policy , the previous Policy will apply. You are not covered for Event(s) occurring on or after the termination date of the Policy . Eligibility for cover under this Policy This Policy is available to Card Members for the above-mentioned Cards who meet the eligibility criteria. In order to meet the eligibility criteria, among other things, you need to use your Qantas Money Titanium Credit Card in accordance with the Eligibility for Insurance Table below. Not all cover sections have the same eligibility criteria, so it is important you understand when the benefits under this Policy become available to you . IMPORTANT: you will only have access to the insurance benefits under this Policy if you satisfy the eligibility criteria as set out within this Policy . See the Eligibility for Insurance Table for details of when you are eligible for cover.

8 Eligibility for Insurance Table Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy , the following eligibility criteria needs to be met: Travel Insurance Cover (Sections A to J)

you are a Covered Person .
you are a Resident of Australia .
you are either: (a) going on a Domestic Return Trip and prior to the Trip departure date you : i. spend $500 or more on accommodation; or ii. pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person ; by charging the payment to your Qantas Money Titanium Credit Card and/or using Qantas points earned on the Qantas Money Titanium Credit Card to meet 3a i. or ii. (b) going on an Overseas Return Trip and prior to the Trip departure date you pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person ; by charging the payment to your Qantas Money Titanium Credit Card and/or using Qantas points earned on the Qantas Money Titanium Credit Card to meet 3b.
the Qantas Money Titanium Credit Card must be open (which means it is in-force and valid) when you meet condition 3.
you must be 79 years of age or younger when you first become eligible for this cover by meeting conditions 1 to 4 above. Rental Vehicle Excess Cover (Section K)
you are a Covered Person .
you are a Resident of Australia .
you hire a Rental Vehicle for less than thirty (30) days and pay the entire cost including the insurance for loss or damage to the Rental Vehicle using your Qantas Money Titanium Credit Card .
the Qantas Money Titanium Credit Card must be open (which means it must be in-force and valid) when you meet condition 3.
you are seventy-nine (79) years of age or younger when you first become eligible for this cover by meeting conditions 1 to 4 above.

9 When are the benefits available under this Policy ? When are no benefits available under this Policy ? If you have satisfied the eligibility criteria, you will have cover for the Domestic Return Trip or Overseas Return Trip that eligibility condition 3 applies to. There is no cover under this Policy if:

you do not meet the eligibility criteria;
you are going on a One-Way Trip ;
you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket;
your Qantas Money Titanium Credit Card is closed (meaning it is terminated);
the Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within each cover section and the General Exclusions within this Policy . If you have satisfied the eligibility criteria, you will have cover for the Excess applicable to the Rental Vehicle that eligibility condition 3 applies to. There is no cover under this Policy if:
you do not meet the eligibility criteria;
your Qantas Money Titanium Credit Card is closed (meaning it is terminated);
the Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within the cover section and the General Exclusions within this Policy .

10 Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy , the following eligibility criteria needs to be met: Card Purchase Cover (Section L), Buyer’s Advantage Cover (Section M)

you are a Covered Person .
you are a Resident of Australia .
you purchase an Eligible Item and pay the entire cost using the Card Member’s Qantas Money Titanium Credit Card .
the Qantas Money Titanium Credit Card must be open (which means it must be in-force and valid) when you meet condition 3. Cover Sections, Benefits and Benefit Limits The cover we offer will be dependent on your Trip (overseas or domestic). The cover sections, benefits and benefits limits will vary based on your Trip . Not all benefits listed within each cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the cover and limits offered for your Trip . The Schedule of Benefits provides the limit(s) we will pay to each of the cover sections for a Trip . It includes maximum amounts payable under each section together with any applicable sub-limit, waiting period and the Excess that applies. Exclusions within this Policy As with all insurance, there are certain exclusions that apply. Some exclusions only apply to certain benefits under the Policy , while other exclusions apply to all claims. You should read the following: – General Exclusions which apply to all claims; – each cover section includes information about what we cover, any Terms and Conditions that applies, and exclusions under the heading ‘Exclusions applicable ...’ . To ensure you understand when we will pay for a claim, you should read each section carefully, including each benefit covered under ‘What We Cover’ together with any ‘Terms and Conditions’ and ‘Exclusions applicable’ under each cover section. Automatic End Date Extension In the event that you are prevented from completing the return leg of a Trip as a result of an unavoidable delay from your Public Transport , we will automatically provide an extension of cover for up to 3 days for you to return to Australia .

11 In the event you are hospitalised as a result of an Injury or Illness covered under this Policy , during your Overseas Return Trip , the following cover sections: – (B) Overseas Medical Emergency Expenses Cover; – (H) Personal Baggage , Valuables , Money and Travel Documents Cover; – (I) Hijack Cover; – (J) Personal Liability Cover; will automatically extend beyond the return date until one of the following first occurs: (a) 12 months have elapsed since the date of the Injury or Illness ; or (b) you return to Australia ; or (c) you have been declared fit to travel by a treating Doctor or when recommended by Chubb Assistance’s medical officer to return to Australia but you decide to remain overseas. When are the benefits available under this Policy ? When are no benefits available under this Policy ? If you have satisfied the eligibility criteria, you will have cover for the Eligible Items that eligibility condition 3 applies to. There is no cover under this Policy if:

you do not meet the eligibility criteria;
your Qantas Money Titanium Credit Card is closed (meaning it is terminated);
the Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within each cover section as well as the General Exclusions within this Policy .

12 Important Things To Know About This Policy Age Limits Please note that to be eligible for some of the benefits under this Policy , age limits apply. Please see the table below for a summary of the age limits that apply within this Policy . Cover Section Age Limit Age Limit for Covered Person Travel Insurance Cover (Section A-J) You must be 79 years of age or younger when you make your Relevant Travel Purchase . Rental Vehicle Excess Cover (Section K) You must be 79 years of age or younger when you meet the eligibility criteria as specified in the Eligibility for Insurance Table. Card Purchase Cover (Section L) No age limitations apply for these cover sections. Buyer’s Advantage Cover (Section M) Age Limit for Close Relative or Travelling Companion If your claim relates to cancellation or disruption of your Trip due to an Injury or Illness of your Close Relative or Travelling Companion , age limits also apply. Trip Cancellation and Amendment Cover (Section A) Close Relative or Travelling Companion must be 79 years of age or younger when you make your Relevant Travel Purchase . Resumption of Long Overseas Trip Cover (Section F) (cover under this section applies for Close Relatives only)

13 Excess Where applicable, an Excess is applied for each Covered Person , for each Event If a claim is covered and an Excess applies, the Excess is deducted from the claim amount before any limits are applied to the claim amount. A claim will not be payable where the Excess amount is the same as, or more than, your claim amount. The Excess amount is specified in the Schedule of Benefits. For Section E – Loss of Income Cover, the Excess is a waiting period, which is the amount of time you have to wait until the benefit may become payable. Example The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific claim Example A: Example B: Example C: Anna books accommodation to the Sunshiny caravan park. Her Trip with the family is in summer, which is 3 months away. A week before the start of the family Trip , her son has an accident at school and breaks his leg. Unfortunately, he needs surgery and the Doctor confirms its best to be at Home for the recovery. Anna paid $1,200 for the accommodation. The Excess is $250. (a) Check the total cover limits and sub-limits in Schedule of Benefits. The amount claimable is below these limits (b) Deduct the Excess of $250 Jane travels to Brazil and while she is in Brazil her laptop is stolen. She reports the theft to the police and provides us with the required documentation. Jane paid $6,000 for her laptop 12 months prior to this Event . Jane’s Excess is $250. (a) Establish original purchase price of the laptop: $6,000 (b) Apply depreciation*: – 2.5% per month for 12 months = 30% depreciation. – 30% of $6,000 = $1,800 total depreciation. (c) Establish current value of the laptop by sub - tracting depreciation from the purchase price of the laptop – $6,000 – $1,800 = $4,200 Rob and his wife travelled to France for 14 days. On the 4th day of their Trip , Rob slips down the stairs at the hotel. Thankfully it’s not a major Injury , but he did twist his ankle and needs to seek medical attention. He was billed $500 for the Doctor’s appointment including some scans and medication. On the 8th day, Rob had his laptop stolen which is worth $1,000. Unfortunately, on the last day of their Trip , Rob’s wife then lost her Smartphone . When they return to Australia , Rob submitted a claim for the 3 Events . As Rob and his wife had 3 Events during their Trip to France, an Excess would be applied to each of the Events (and Covered Persons ). *For depreciation details, please review Section H – Personal Baggage , Valuables , Money and Travel Documents Cover

14 Example The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific claim Example A: Example B: Example C: Calculation for the amount payable by us : Accommodation – Excess = amount payable $1,200 – $250 = $950 (d) Check the total and per item limit shown in the Schedule of Benefits and select the lesser of the current value of the laptop or the item sub- limit. If the per item limit is $2,500 which is lower than the current value $4,200, we take the lower number = $2,500 (e) Deduct the Excess of $250 (f) Calculation for the amount payable by us : Limit per item – Excess = amount payable $2,500 – $250 = $2,250 Claim 1: $500 Medical costs – $250 Excess = $250 amount payable Claim 2: $1,000 laptop – $150 depreciation – $250 Excess = $600 amount payable Claim 3: $900 Smartphone – $250 Excess = $650 amount payable Total amount payable by us = $1,500 Pre-Existing Medical Conditions This Policy does not cover any Pre- Existing Medical Conditions under Sections A-K below If you have Pre- Existing Medical Conditions , this cover may not be right for you . Before you make your Relevant Travel Purchase , you should consider whether a medical condition is considered Pre-Existing based on the Pre-Existing Medical Condition definition within this Policy . COVID-19 What is covered? This Policy treats COVID-19 in the same way as any other Illness . This means where there is coverage for Illness related Events under the following sections, it applies to COVID-19 :

Section A – Trip Cancellation and Amendment Cover;
Section B – Overseas Medical Emergency Expenses Cover, and
Section F – Resumption of Long Overseas Trip Cover. What is not covered? We will not pay any benefit, loss, or costs arising from or relating to:
border closures or government issued “Do Not Travel” warnings arising from COVID-19 (including where the border closure or travel

15 warning occurs after you made your Relevant Travel Purchase ); 2. mandatory quarantine, except when you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A – Trip Cancellation and Amendment Cover and incur reasonable additional travel or accommodation expenses resulting from the quarantine. Pregnancy It’s important to understand how pregnancy affects your cover under this Policy . Whilst your retail item benefits are unaffected, some of your travel insurance benefits are limited as summarised below. You will not be covered for costs associated with the actual birth of your child or any pregnancy related medical conditions you are suffering from. For more information see – When are you not covered? (below). When does the travel insurance cover you , if you are pregnant? If you are pregnant, this Policy provides limited cover for claims that arise from your pregnancy, under:

Section B – Overseas Medical Emergency Expenses Cover when you are on an Overseas Return Trip , if you have a pregnancy related Medical Emergency resulting from an Injury or Illness which: (a) occurs before the end of the 23rd week of your pregnancy; and (b) is not otherwise excluded within this Policy .
Section A – Trip Cancellation and Amendment Cover if you have an Injury or unforeseen Illness arising from or relating to your pregnancy, that occurs before the end of the 23rd week of your pregnancy and which: (a) a treating Doctor confirms that it prevents you from going on the Trip or continuing the Trip , and (b) is not otherwise excluded within this Policy . How is the number of weeks of pregnancy calculated? The number of weeks of your pregnancy is calculated from the last known date of your menstrual period or calculated from a staging ultrasound. When are you not covered? You are not covered for any costs arising from or related to: (a) any Pre-Existing Medical Condition ; (b) any past medical condition(s) relating to a previous pregnancy or if you have experienced pregnancy complications prior to you making your Relevant Travel Purchase ; (c) your pregnancy, if after the end of the 23rd week of your pregnancy; (d) any costs under Section B – Overseas Medical Emergency Expenses Cover arising from childbirth or the health of a newborn child. This exclusion applies irrespective of the stage of pregnancy at which the child is born, meaning a newborn (whether premature or otherwise) is not considered a Covered Person under the Policy if the child was born on the Trip ;

16 (e) any costs under Section B – Overseas Medical Emergency Expenses Cover arising from or relating to an abortion, unless this is to save the life of the mother following an Injury or Illness ; (f) any costs under Section B – Overseas Medical Emergency Expenses Cover arising from fertility Treatment or Treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF). Excluded Sports and Activities Not everything you do on your Trip will be covered by this Policy . This includes – some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level). – a sporting Event where you may be eligible to receive a fee, including prize Money . Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy . Travelling Against Medical or Government Advice If you are advised not to travel or not to go on a particular Trip (for example, to a specific destination), you must comply with that advice. You will not be covered under Sections A-K of this Policy if you start a Trip against the following advice: i. a treating Doctor advises you not to travel; or ii. an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises you not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories). This exclusion applies even if you have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel. Return Trips Only You are only eligible for cover under Sections A-K of this Policy for return Trips i.e. Trips that begin and end from your Home or Work in Australia . It does not cover One-Way Trips where you have no plans to return to Australia . If you have not made your Relevant Travel Purchase prior to your Trip departure date, you are not eligible for cover under this Policy . Please refer to the Eligibility for Insurance Table for more information. Fraud Chubb considers it important for customers to take insurance fraud seriously. Creation or submission of false documents, or exaggerating a genuine claim is considered insurance fraud. Such behaviour has a negative impact on the cost of insurance for all customers. We utilise our dedicated special investigations unit at Chubb to detect and investigate selected claims daily. When the evidence supports it, Chubb will report suspect claims to the police and dedicate resources to assisting any potential criminal prosecutions.

17 Goods and Services Tax If we agree to pay a claim under your Policy , we will base any claim payment on the Goods and Services Tax (GST) inclusive costs (up to the relevant benefit limit). Australian Law Your Policy is governed by the laws of the State or Territory of Australia where your Home is. Any dispute or action in connection with your Policy shall be conducted and determined in the courts of the State or Territory of Australia where your Home is. Australian Currency All payments by you to us and us to you under your Policy must be in Australian currency. Termination Cover is terminated at the earlier of the following: – cancellation of your Qantas Money Titanium Credit Card account; or – termination of the Group Policy . Upon termination of the Group Policy , the insurance benefits will no longer be available to Card Members and Additional Card Members to claim for any Event that occurred after the termination date, even if Card Members or Additional Card Members satisfied the eligibility criteria for cover before the termination date of the Group Policy . NAB will notify you if the Group Policy is terminated. General Enquiries If you have any questions about your Policy , you can either: Email Chubb at CustomerService AUNZ@chubb com Write to Chubb at GPO Box 4065, Sydney NSW 2001 Call Chubb on 1800 055 268 (Monday to Friday 8:30am-5:00pm AEST) Chubb Assistance (In the event of an Emergency) Emergency assistance around the world In the event of a medical or similar emergency whilst overseas simply phone +61 2 8907 5666 to get immediate help in locating medical assistance in your local area. For all non-emergency matters, contact Chubb Customer Service on 1800 055 268 . Where your claim is excluded or falls outside the Policy coverage, the provision of emergency assistance by Chubb Assistance will not in itself be an admission of liability. Considerable effort is made to locate, assess and reassess medical facilities and other services worldwide. However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors. In the circumstances, responsibility for any loss, medical

18 complication or death resulting from any factor reasonably beyond our control, cannot be accepted by Chubb Assistance or us . Definitions The following words when used with capital letters in this document have the meaning given below. Accidental Death means death occurring as a result of an Injury . Additional Card Member means a person who holds an additional Qantas Money Titanium Credit Card which attaches to the Card Member and may have previously been referred to as a supplementary Card Member . Australia means the area enclosed by the territorial waters of the Commonwealth of Australia where Medicare benefits are payable. ‘Australian’ has a corresponding meaning. Card Member means the person who is the primary account holder of an issued Qantas Money Titanium Credit Card . Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George Street, Sydney NSW 2000 ( Chubb ). Chubb Assistance means the service provider acting on behalf of Chubb to provide emergency assistance. Close Relative means Spouse , de-facto, parent, parent-in-law, step-parent, child, step-child, brother, half-brother, step-brother, brother-in-law, sister, half-sister, step-sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew, uncle, aunt, grandparent or grandchild. Covered Person means the Card Member or an Additional Card Member , and their accompanying:

Spouse ; and
legally Dependent Child(ren) . COVID-19 means Coronavirus disease, an infectious disease caused by the SARS-CoV-2 virus, or any variation or mutation of that virus. Dentist means a Dentist or dental surgeon who is registered or licensed to practice dentistry under the laws of the country in which they practice, other than you or your Close Relative , unless approved by Chubb Assistance , which will not unreasonably be withheld. Dependent Child(ren) means any child (including stepchild or adopted child) of a Card Member , Additional Card Member or Spouse who is primarily dependent upon the Card Member , Additional Card Member or Spouse for maintenance and support, where the child travels with the Card Member or Additional Card Member on each part of the Trip and the child is: (a) 18 years of age or you nger; or (b) 24 years of age or you nger and is a full-time student of an accredited institution of higher learning; or (c) of any age permanently mentally or physically incapable of self- support, as confirmed by medical evidence from a Doctor and who is permanently living with the Card Member , Additional Card Member or Spouse . Doctor means a medical practitioner or specialist (an expert in a specific area of medicine) who is registered or

19 licensed to practice medicine under the laws of the country in which they practice, other than you or your Close Relative , unless approved by Chubb Assistance , which will not unreasonably be withheld. Domestic Return Trip means a Trip within Australia having at least one overnight stay at your destination which is more than 150-kilometre radius from your Home : starting: (a) when you leave your Home or your Work (whichever occurs last) to travel to your destination; and ending the earlier of: (b) when you return to your Home ; or (c) when your Trip exceeds 14 consecutive days. Eligible Item means an item:

that is purchased from a retailer solely for personal use; and
that is new and has not been used in any way at the time of purchase; and
the cost of which has been charged to your Qantas Money Titanium Credit Card . Event(s) means an occurrence that could give rise to a claim for a benefit under your Policy . Any one occurrence or series of occurrences attributable to one source or originating cause is deemed to be one Event . Excess means:
for Section E – Loss of Income cover only, the 30-day time period which you have to wait until a benefit may be payable; or
for all other sections, the amount specified in the Schedule of Benefits that is payable by each Covered Person for each claimable Event , when indicated. This means that if such claim is covered, the Excess will be deducted from your claim amount before any limits have been applied to the amount being claimed. For example, if the Excess is $250 and your claim is accepted, and you are claiming $500 (where no depreciation is applied), the calculation is: (–$250) (the Excess ) + $500 = $250. Excluded Sports and Activities means boxing; cave diving; horse jumping; horse riding; hunting and hunting on horseback; professional sports; canyoning; caving; diving; mountain- climbing; steeple chasing; any form of motor racing, speed, performance or endurance tests; abseiling; American football; bob sleigh; bungee jumping; base jumping, canoeing; clay pigeon shooting; deep sea fishing; four- wheel driving adventures; go-karting; hang gliding; heli-skiing; hockey; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts; micro-lighting; mountain biking off tarmac; mountaineering; parachuting; paragliding; parascending; paraskiing; polo; quad biking; rock climbing; SCUBA diving deeper than 30 metres; skidoo; ski-jumping; ski-racing; ski- stunting; tour operator safari (where you or any tourist will be carrying guns); trekking requiring climbing equipment and/or you are above 3,000 metres from sea level; ultra-marathons, biathlons and triathlons; war games/ paint ball; white water rafting; yachting more than 20 nautical miles from the nearest coastline.

20 Forcible Entry means unlawful entry by forcible and violent means, as evidenced by a broken window, damaged or picked lock, broken hinge or door handle. Group Policy means the Master Policy entered between NAB and Chubb as detailed in the ‘General Terms and Conditions’ section of this Policy . Hijack means the unlawful seizure of or wrongful exercise of control of the aircraft or other Public Transport on which you are travelling. ‘Hijacking’, ‘Hijacked’ and ‘Hijackers’ have the same corresponding meaning. Home means your usual place of residence in Australia (where you live). Illness means a sickness or disease (including COVID-19 ) which requires Treatment by a Doctor or a Dentist . An Illness is not a Pre-Existing Medical Condition and is not an Injury . Injury means an accidental bodily Injury resulting solely and directly from: (a) a sudden, external and identifiable Event that happens by chance and could not have been expected from the perspective of the Covered Person ; and (b) which occurs independently of any Illness or any other cause; and (c) causes a loss within 12 months of the accident. It does not mean an Illness or any Pre- Existing Medical Condition . Insolvency means bankruptcy, provisional liquidation, liquidation, Insolvency , appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction. Long Overseas Trip means an Overseas Return Trip with an itinerary of 15 days or more. Manual Work means paid work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial, supervisory, sales or administrative capacity). It also means manual labour of any kind including, but not restricted to, hands-on work such as a plumber, electrician, lighting or sound technician, carpenter, painter, decorator or builder. Medical Emergency means an Injury , sudden and unforeseen Illness or dental issue, suffered by you while on an Overseas Return Trip (except when in Australia when you leave your Home or Work to travel to the airport or a harbour port or when you arrive Home having travelled from the airport or harbour port), which results in your immediate need for Treatment which cannot be reasonably delayed without causing discomfort or risk of aggravation in the opinion of a local treating Doctor or by Chubb Assistance . Money means currency, travellers’ cheques, hotel and other redeemable holiday vouchers and petrol coupons. It does not mean cryptocurrency. Monthly Salary means:

for an employed person: your regular monthly pre-tax base salary paid every calendar month excluding bonus, commission, overtime or any other variable income; or

21 2. for a self-employed person: monthly pre-tax income derived from personal exertion, after deduction of all expenses incurred in connection with the derivation of that income, averaged over the period of 12 months immediately preceding the loss of income or over such shorter period as they have been self-employed. NAB means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“ NAB ”), the Policy holder. Natural Disaster means volcanic eruption, flood (more than 20,000 square metres of normally dry land), tsunami, earthquake, landslide, hurricane, cyclone, typhoon, tornado or bushfire. It does not mean any infectious or contagious disease or virus regardless of transmission (including pandemic or epidemic). Non-Scheduled Flight means a flight on an aircraft whose flights are not conducted in accordance with fixed flying schedules, over specific air routes, to and from fixed terminals. For example, a privately hired, rented or chartered air transport (such as a private jet or plane or helicopter). One-Way Trip means any Trip for which you are unable to provide evidence of your intention to return to your Home or your Work . Overseas Return Trip means a Trip where your destination is outside of Australia : starting: (a) when you leave your Home or your Work (whichever occurs last) to travel to the airport to fly on your Scheduled Flight ; or (b) when you leave your Home or your Work (whichever occurs last) to travel to a harbour port to board a Scheduled Cruise ; and ending the earlier of: (c) when you return to your Home having travelled from the airport or harbour port; or (d) when your Trip exceeds 180 consecutive days. Pair or Set means a number of items used together, associated as being similar or corresponding (including attached and unattached accessories) and being regarded as 1 unit. Permanent Disablement means a loss caused by an Injury which results in the: i. complete and permanent severance of a foot at or above the ankle joint; or ii. complete and permanent severance of a hand at or above the wrist; or iii. irrecoverable loss of the entire sight of an eye. Personal Baggage means items of necessity, ornament or personal convenience or personal use for your individual use during the Trip , including clothing, toiletries, and personal effects worn or carried by you within a suitcase (or similar). It does not include Valuables . Policy means this document which details the insurance benefits available to you under the Group Policy including all relevant terms, conditions and exclusions. Pre-Existing Medical Condition means any physical defect, medical or dental condition, Illness , Injury or disease that:

within the two (2) years prior to you making your Relevant Travel Purchase : (a) requires either of the following: i. ongoing medication for Treatment or risk factor control; ii. prescribed medication from a Doctor ; iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to you making your Relevant Travel Purchase to be cured or in complete remission); or iv. surgery; or (b) is either: i. under investigation; ii. pending diagnosis or test results; iii. chronic or arthritic; or
within the three (3) years prior to you making your Relevant Travel Purchase involves: (a) any of the following body parts: i. heart; ii. brain (other than a mental health related condition); iii. liver; iv. back; v. spine; vi. kidneys; vii. cardiovascular or circulatory or respiratory system; and (b) where such medical condition either I. involved a hospital emergency visitation or being an inpatient in hospital; or II. required or requires surgery, a specialist appointment or consultation; or III. requires: i. ongoing medication for Treatment or risk factor control; or ii. prescribed medication from a Doctor ; or iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to you making your Relevant Travel Purchase , to be cured or in complete remission); or (c) is currently either: i. under investigation; or ii. pending diagnosis or test results; or
within the five (5) years prior to you making your Relevant Travel Purchase related to cancer; or
within the three (3) months immediately prior to you making your Relevant Travel Purchase led to the manifestation of symptoms where a reasonable person in the circumstances would be expected to be aware of.

23 Public Place means, but is not limited to, shops, buses, planes, trains, taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches, entertainment venues and any place that is accessible by the public. Public Transport means an air, land, water or rail passenger transport that operates to a published timetable or schedule and is available to the public. It does not mean privately hired, rented or chartered air, land or water transport (such as a taxi, Uber, Limousines, helicopter, private jet or plane). Qantas Money Titanium Credit Card means an open (meaning it is in-force and valid) Qantas Money Titanium Credit Card account issued by NAB , to a Card Member , billed from Australia and in Australian dollars. Relevant Travel Purchase means:

if you are going on a Domestic Return Trip , prior to the Trip departure date you : (a) spend $500 or more on accommodation; or (b) pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person ,
if you are going on an Overseas Return Trip , prior to the Trip departure date you pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person ; using: i. the Card Member’s Qantas Money Titanium Credit Card ; and/or ii. Your corresponding Qantas points earned on the Qantas Money Titanium Credit Card . Rental Agreement means the contract of hire between the Rental Company and you in respect of a Rental Vehicle . Rental Company means a company or agency that hires Rental Vehicle s and is fully licensed with the regulatory authority of the Country, state or local authority where the Rental Vehicle is collected. Rental Vehicle means any sedan, station wagon, hatchback or sports utility vehicle (SUV) rented under a Rental Agreement on a daily or weekly basis from a Rental Company . It does not mean trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles. Rental Vehicle Deductible means the amount (insurance Excess ) payable by you for each and every claim when you have purchased the comprehensive vehicle insurance proposed by the Rental Company . Repatriation/Evacuation means your :
transportation to the nearest hospital, if transportation is not provided free of charge in the country of incident; or
evacuation to the nearest adequately equipped hospital in the event that local medical facilities consider they cannot adequately treat you or where Chubb Assistance’s medical officer considers local medical facilities to be inadequate; or
repatriation directly to Australia when permitted by the local treating Doctor or when recommended by Chubb Assistance’s medical officer; or

24 4. return to Australia after hospitalisation, provided that you are deemed to be medically fit for travel by a treating Doctor or by Chubb Assistance’s medical officer, and that your original means of transportation cannot be used. Resident of Australia means an Australian citizen, holder of an Australian permanent residency visa, partner/Spouse visa, Australian skilled migrant visa (including 457 and Temporary Skill Shortage (TSS) visa), or a student visa: (a) with a right to entry into Australia in accordance with their citizenship, residency or visa; (b) with access to long-term medical care in Australia ; (c) who has a permanent Australian residential address; and (d) who currently resides in Australia . Scheduled Airline means airline passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered air transport (such as private jet or plane or helicopter). Scheduled Cruise means passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered sea transport (such as water taxi, private boat, cruising on a cargo ship). Scheduled Flight means a flight in an aircraft on a Scheduled Airline . Schengen Visa means you holding a valid visa that enables you to enter, freely travel within, and leave any of the Schengen member countries within Europe. Secure Area means the locked dashboard, glove compartment, boot or luggage compartment of a motor vehicle including the locked luggage compartment of a hatchback or station wagon, the fixed storage units of a motorised or towed caravan, or a locked luggage box locked to a roof rack locked to the vehicle, providing that, in each case, all items are out of sight. Smartphone means an electronic device used for mobile telecommunications over a cellular network (including but not limited to, Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or smart watches. Special Event means a wedding, funeral, pre-paid conference, pre-paid sporting Event , pre-paid concert or festival, which before you started your Trip you had planned to attend. Spouse means the Card Member’s or the Additional Card Member’s husband, wife, fiancé, de-facto and travels with the Card Member on each part of the Trip . Terrorism means activities against persons, organisations or property of any nature: (a) that involves the following or preparation for the following: i. use of, or threat of, force or violence; ii. commission of, or threat of, force or violence; or iii. commission of, or threat of, an act that interferes with or disrupts an electronic, communication, information, or mechanical system; and

25 (b) when 1 or both of the following applies; i. the effect is to intimidate or coerce a government of the civilian population or any segment thereof, or to disrupt any segment of the economy; and/or ii. it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. Temporary Total Disablement means the temporary inability of you to engage in your Usual Work , while you are under the regular care of and acting in accordance with the instructions or advice of a Doctor . If self-employed, Temporary Total Disablement must prevent you from helping, managing or carrying out any part of the day-to-day running of a business. Terminal Illness means a medical condition for which a terminal prognosis has been given by a qualified medical practitioner and which is likely to result in death. Travel Documents means, travel tickets, passports, visas and driving licence. Travelling Companion means a person travelling with you on a Trip which has the same travel itinerary as you . Treatment means surgical or medical procedures performed by a Doctor or qualified Dentist where the sole purpose of which is to cure or relieve acute Illness or Injury . Trip means:

a Domestic Return Trip ; or
an Overseas Return Trip . Unattended means when your Personal Baggage , Valuables , Money or Travel Documents or an Eligible Item are not: (a) worn or carried by you ; or (b) under your observation within 3 metres of you . Usual Work means permanent full or part time employment, including self- employment, which you are engaged in prior to your Overseas Return Trip starting and that you intend to return to at the end of your Overseas Return Trip . Valuables means jewellery; furs; articles containing precious metals or precious stones; watches; binoculars; audio equipment or devices; photographic and electronic equipment or devices; Smartphones ; personal organisers and games consoles; laptops and external computer devices (including all printers, modems, external hard drives and similar). Work means your usual place of work within Australia having a fixed physical address. The following words are also defined but may not be used with capital letters in this document to improve readability. you / your means a Covered Person . we / our / us means Chubb .

26 Coverage Summary The coverage summary table below can be used as a quick reference to understand key coverage elements to each cover section. For a full understanding of what is covered, when you are covered and where cover does not apply, please refer to the individual section including the General Exclusions within this Policy . The benefits provided are subject to the terms, conditions and exclusions contained within this Policy . Cover Section Cover Description Section A Trip Cancellation and Amendment Cover Provides cover for non-refundable deposits, excursion costs and unused travel and accommodation costs you have paid in advance in the event you Cancel, Curtail or change your Trip for the following reasons: – you or your Travelling Companion being, in the opinion of a treating Doctor , unfit to begin or continue your Trip due to an Injury , suffering an unforeseen Illness or dying before or during your Trip ; – your Close Relative , or a Close Relative of a Travelling Companion , having an Injury , suffering an unforeseen Illness or dying before or during your Trip ; – a Natural Disaster has caused devastation to the destination you were intending to travel; – as a result of a Natural Disaster , an Australian State, Territory, or the Australian Federal Government or an Australian government agency (such as DFAT – Department of Trade and Foreign Affairs) have issued, or upgraded a travel advisory warning advising you to ‘Do Not Travel’ or that borders are closed at the destination you were intending to travel, and the warning was published or the borders were closed after you : • made your Relevant Travel Purchase in the case of a claim for Cancellation, or • started your Trip in the case of a claim for Curtailment or Trip Change. Cover varies depending on the Trip type (overseas or domestic).

27 Key Exclusions and Limitations – you or any other person having a change of mind and deciding not to start a Trip , continue with the Trip or any other disinclination to travel; – Cancellation, Curtailment or Trip Change due to Pre-Existing Medical Conditions ; – losses arising from the death, serious Injury or acute Illness of any Close Relative or Travelling Companion who is 80 years of age or older when you make your Relevant Travel Purchase ; – Close Relative who is not a Resident of Australia ; – circumstances where Cancellation, Curtailment or Trip Change was foreseeable, avoidable, unnecessary or within your control at the time of making a Relevant Travel Purchase (for Cancellation) or before starting your Trip (for Curtailment or Trip Change); – additional costs incurred due to your failure to notify the carrier or travel agent as soon as reasonably practicable that your Trip is to be Cancelled or Curtailed; – any government regulation, conditions, prohibition or restriction, including but not limited to: • mandatory quarantine, except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine; • border closures and/or government travel advisories, except where you have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to specified Event 9 of Section A; – loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is covered under specified Events 1 and 2).

28 Cover Section Cover Description Section B Overseas Medical Emergency Expenses Cover Provides cover for Repatriation/Evacuation , cost of overseas emergency medical Treatment , emergency dental Treatment , incidental expenses and reasonable extra accommodation costs in the event of a Medical Emergency while you are on your Overseas Return Trip and transportation of your remains and burial expenses following your death. Section C Accidental Death Cover Cover in the event an Injury results in your Accidental Death whilst on an Overseas Return Trip . Section D Public Transport Accident Cover Provides cover for Accidental Death or Permanent Disablement arising: – while travelling as a passenger on Public Transport ; – while in a departure or destination terminal; – from exposure and disappearance. Section E Loss of Income Cover Provides cover for loss of your Monthly Salary if you are employed or self-employed and during an Overseas Return Trip suffer an Injury which results in Temporary Total Disablement and a loss of your Monthly Salary for 30 days or more.

29 Key Exclusions and Limitations – your Pre-Existing Medical Conditions ; – any expenses if you are 80 years of age or older when you make your Relevant Travel Purchase ; – costs arising from your participation in Excluded Sports and Activities ; – medical costs if you do not make reasonable attempts to contact Chubb Assistance where you were reasonably able to do so; – costs arising from or related to Trips where the following advice has been provided prior to starting your Trip : • an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to; or • a Doctor advised you not to travel; – loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on your Trip ). – your death if it occurs in Australia ; – death caused by Illness , a Pre-Existing Medical Condition or natural causes. – privately hired, rented or chartered transport; – we will only pay 1 benefit type amount for any 1 accident or Injury , being the highest benefit type amount for a Card Member , Additional Card Member , Spouse or Dependent Child(ren) . Any future income you expect or could receive as part of any bonus or bonus structure, salary increase, salary sacrifice scheme or employee benefit scheme (such as shares).

30 Cover Section Cover Description Section F Resumption of Long Overseas Trip Cover Provides cover for costs to resume your Long Overseas Trip (when you have more than 14 days from the return date of your Long Overseas Trip ) after it has been interrupted following the death, Injury or unforeseen Illness of a Close Relative . Section G Trip Delay Cover Provides cover on a Trip for: – delayed flight departure of 6 hours or more, flight cancellation, denied flight boarding, missed flight connection for the cost of accommodation. – 12 hour delay of Personal Baggage checked-in on Scheduled Flight for the purchase of essential emergency clothing and toiletries. The amount of cover varies for each benefit. Section H Personal Baggage , Valuables , Money and Travel Documents Cover Provides cover for damaged, destroyed, lost, stolen Personal Baggage , Valuables , Money and Travel Documents during your Trip . Section I Hijack Cover Provides cover for the cost of your Close Relatives to travel and stay at the place of the Hijack in the event of your Public Transport being subjected to Hijack during your Trip and if you are detained in excess of 24 hours.

31 Key Exclusions and Limitations – costs if you do not resume your Long Overseas Trip within 30 days of returning to Australia and if you have 14 days or less remaining from the return date of your Long Overseas Trip ; – Close Relative who is 80 years of age or older when you make your Relevant Travel Purchase ; – Close Relative who is not a Resident of Australia ; – costs where there was a reasonable likelihood that a return Home may be necessary or a reasonable person under the circumstances would have foreseen prior to making the Relevant Travel Purchase , arranging, rearranging the Trip may lead to your return Home from a Long Overseas Trip . – Personal Baggage delay or extended Personal Baggage delay when checked-in on the Scheduled Flight that returns you Home ; – the purchase of clothing or toiletries that are not reasonably necessary for your Trip ; – costs if you fail to notify the transport provider or carrier about delayed or missing luggage or you do not obtain a luggage incident report from them or show you have taken reasonable steps to obtain one; – any delay or cancellation of a Scheduled Flight as a result of COVID-19 . – Valuables or Money within your Personal Baggage checked-in or stowed in the luggage hold of an airplane, ship, bus or train; – Unattended Valuables and/or Money in a motor vehicle; – items left Unattended in a Public Place (unless you have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation); – claims where you do not obtain a report from local police, the carrier, tour or transport operator or accommodation provider and you have not taken reasonable steps to obtain one either; – deductions will be applied for depreciation (wear and tear), as explained in Section H. – We will not act as your negotiator or intermediary or advise you or any other person in dealing with the Hijackers; – Hijacking from a member of your family, Close Relative or Travelling Companion .

32 Cover Section Cover Description Section J Personal Liability Cover Provides cover for reimbursement of costs associated with your legal liability for damage or Injury to any person (other than a member of your family, a Close Relative or a Travelling Companion ) or damage or accidental loss to property which occurs whilst you are on a Trip . Section K Rental Vehicle Excess Cover Provides cover for the Excess for which you would be liable to pay when you hire a Rental Vehicle for less than 30 days and your Rental Vehicle is: (a) damaged in a motor vehicle collision; or (b) damaged by fire; or (c) maliciously damaged; or (d) stolen; whilst in your control or custody. Section L Card Purchase Cover Provides cover for theft or damage to Eligible Items within 90 days of purchase. Section M Buyer’s Advantage Cover Provides cover for the breakdown or defect of Eligible Items during the buyer’s advantage period.

33 Key Exclusions and Limitations – you intentionally incurring any liability; – Injury to any person who is a member of your family, a Close Relative , a Travelling Companion or any person under a contract of service or apprenticeship with you ; – any damage or Injury out of the ownership, possession, control or use by you or on your behalf of: (a) mechanically propelled vehicles (including scooters), aircraft (including drones), hovercraft or watercraft (other than non-mechanically propelled watercraft less than 10 metres in length); (b) firearms; (c) animals (other than horses and domestic pets). – the rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles; – the operation of the Rental Vehicle which violates the terms of the Rental Agreement ; – costs where you are not a nominated driver or specified driver under the Rental Agreement ; – costs where you do not have an appropriate and a valid driving licence giving you legal rights to drive; – anyone who is not a Covered Person ; – costs where you have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle . – an Eligible Item left Unattended in a Public Place (unless you have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation); – an Eligible Item left Unattended in a motor vehicle except where they are locked in a Secure Area which has been accessed by Forcible Entry or you have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation. – items purchased from a retailer outside Australia ; – any costs other than for parts and/or labour costs resulting from a covered breakdown or defect.

34 Schedule of Benefits Please note that amounts quoted are in Australian dollars, unless otherwise noted. Travel Insurance Section of Cover Cover Section A Trip Cancellation and Amendment Cover (section limit) (b) Travel agent commission (sub - limit) (c) Additional travel and accommodation (sub-limit) Section B Overseas Medical Emergency Expenses Cover

In the event of a Medical Emergency (section limit)
Emergency Dental (sub-limit)
Repatriation/Evacuation (sub - limit)
Incidental expenses each 24 hours (sub-limit)
Extra accommodation (room only) (sub-limit)
(a) Return economy airfare (sub - limit)
(b) Extra accommodation (room - only) (sub-limit)
In the event of your death ( Repatriation /Funeral/Burial costs) In the event of your death in a Schengen member state Section C Accidental Death Cover
Accidental Death due to Injury

35 Benefit Limits – Per Covered Person Overseas Return Trip Domestic Return Trip Excess Applies Unlimited Up to $3,000 $250 Up to $1,000 or 15% of the value of the travel, whichever is the lesser Up to $750 or 15% of the value of the travel, whichever is the lesser Up to $700 Up to $500 Unlimited* for up to 12 months from the date of the Injury or Illness (other than for any Medical Emergency as a result of an act of Terrorism which is sub-limited to $1,000,000) Not covered $250 Up to $1,250 Up to $500,000 Up to $50,000 Up to $80 per 24-hour period to a maximum of $4,800 Not covered Up to $250 per 24-hour period to a maximum of $5,000 Up to $3,000 Up to $200 per 24-hour period to a maximum of $2,800 Up to $20,000 Up to $5,000 Up to 30,000 EUR Not covered Card Member / Additional Card Member / Spouse Dependent Child Card Member / Additional Card Member / Spouse Dependent Child Nil $20,000 $10,000 Not covered

36 Travel Insurance Section of Cover Cover Section D Public Transport Accident Cover Benefit Type

Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport
Accidental Death or Permanent Disablement arising while in a departure terminal or destination terminal
Accidental Death or Permanent Disablement arising from exposure
Accidental Death arising from disappearance i. Accidental Death Permanent Disablement ii. Loss of both hands or both feet iii. Loss of 1 hand and 1 foot iv. Loss of entire sight of both eyes v. Loss of entire sight of 1 eye and 1 hand or 1 foot vi. Loss of 1 hand or 1 foot vii. Loss of the entire sight of 1 eye Section E Loss of Income Cover (section limit) Monthly Salary (up to 5 months) Section F Resumption of Long Overseas Trip
Returning to Australia for a Close Relative
Returning to Australia for a Close Relative with a Pre-Existing Medical Condition

37 Benefit Limits – Per Covered Person Overseas Return Trip Domestic Return Trip Excess Applies Card Member / Additional Card Member / Spouse Dependent Child Card Member / Additional Card Member / Spouse Dependent Child NIL $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $500,000 $100,000 $250,000 $50,000 $250,000 $50,000 $250,000 $50,000 $250,000 $50,000 Up to $21,700 Not covered 30 days Up to $4,340 per month Not covered $250 Up to $3,000 Up to $2,000

38 Travel Insurance Section of Cover Cover Section G Trip Delay Cover

Delayed, cancelled, overbooked or missed onward flight
Extended delayed, cancelled, overbooked or missed onward flight
Delay of Personal Baggage checked-in on Scheduled Flight
Extended Delay of Personal Baggage checked-in on Scheduled Flight
Delayed arrival to a Special Event Section H Personal Baggage, Valuables , Money and Travel Documents Cover (section limit) (a) Money and Travel Documents (sub-limit) (e) Maximum total of all Valuables (including sub-limits i. to iii. ); i. 1 Smartphone (sub-limit); ii. 1 laptop (sub-limit); iii. 1 camera (including lenses and accessories) (sub-limit); (f) Any single item or Pair or Set of items (sub-limit); Section I Hijack Cover (section limit is an aggregate limit for all your Close Relatives ) (a) Return economy airfare (b) Extra accommodation (room-only) for each 24-hour period Section J Personal Liability Cover (section limit) Section K Rental Vehicle Excess Cover (section limit)

39 Benefit Limits – Per Covered Person Overseas Return Trip Domestic Return Trip Excess Applies NIL Up to $750, after 6 hours Up to $100, after 6 hours Up to $700 per 24-hour period (first payable after 30 hours) to a maximum of $3,500 Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $700 Up to $500, after 12 hours Up to $100, after 12 hours Up to $500 per 24-hour period (first payable after 36 hours) to a maximum of $2,500 Up to $100 per 24-hour period (first payable after 36 hours) to a maximum of $700 Up to $750 Not covered Up to $15,000 Up to $3,000 $250 Up to $1,000 Up to $250 Up to $13,000 Up to $2,500 Up to $2,000 Up to $1,000 Up to $5,000 Up to $1,000 Up to $5,000 Up to $1,000 Up to $2,000 Up to $500 NIL Up to $3,000 Up to $800 Up to $300 per 24-hour period to a maximum of $4,200 Up to $150 per 24-hour period to a maximum of $1,050 Up to $2,500,000 Up to $1,000,000 $250 Up to $5,000 Up to $3,000 $250

40 Retail Item Protection Section of Cover Cover Section L Card Purchase Cover (section limit) Per Eligible Item Section M Buyer’s Advantage Cover (section limit) Per Eligible Item *Unlimited costs for up to 12 months from the date of the Injury or Illness . Section A – Trip Cancellation and Amendment Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. Specific Definitions under Trip Cancellation and Amendment Cover Cancellation means you do not start your Trip at all. ‘Cancel’ and ‘Cancelled’ have the same meaning as Cancellation. Curtailment means you have started your Trip and you have had to return to your Home in Australia . ‘Curtail’ and ‘Curtailed’ have the same meaning as Curtailment. Trip Change means where you have started your Trip and you must make changes to your planned Trip , but do not have to return Home any earlier than intended. What We Cover If you have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to one of the following unforeseen specified Events :

you or your Travelling Companion , as confirmed in writing by a treating Doctor , being unfit to begin or continue your Trip due to an Injury , suffering an unforeseen Illness or dying before or during your Trip , provided your Travelling Companion is 79 years of age or you nger when you make your Relevant Travel Purchase ;
your Close Relative , or a Close Relative of a Travelling Companion , where the Close Relative : (a) is 79 years of age or you nger when you make your Relevant Travel Purchase ; and (b) is a Resident of Australia ; having an Injury , suffering an unforeseen Illness (as confirmed in writing by a treating Doctor ) or their death (as confirmed by a death certificate) before or during your Trip ;

41 3. your redundancy which qualifies for redundancy payments under current legislation; 4. you being in the Australian armed services or emergency services (police, fire, ambulance) and your leave is revoked; 5. you being called for jury service or being subpoenaed as a witness other than in a professional or advisory capacity; 6. your transport has been cancelled by your transport provider as a result of: (a) riot, strike, civil commotion; (b) adverse weather (including a Natural Disaster ); (c) mechanical breakdown of the transport you planned to travel on; provided that there had been no reporting in the media or notice displayed on our website, prior to your Relevant Travel Purchase , that any such Event had occurred or was likely to occur; 7. there is a Natural Disaster , or a Natural Disaster has recently happened or is reasonably expected to happen at your Trip destination, provided that there had been no published official warning, prior to your Relevant Travel Purchase , that any such Event had occurred or was likely to occur; 8. there is a Natural Disaster or the imminent risk of one at your Home in Australia which requires you to Cancel or Curtail your Trip , provided the Australian Government (State, Territory or Federal Government) or an Australian government agency (such as the National Emergency Management Agency or state- based equivalent) issues an official warning of the Natural Disaster or the imminent risk of one; 9. as a result of a Natural Disaster , the Australian Government (State, Territory or Federal Government) or an Australian government agency (such as the Department of Trade and Foreign Affairs (DFAT)) issues or upgrades a travel advisory warning that advises ‘Do Not Travel’ to the destination you planned to travel to, or that destination’s borders are closed, and the warning was published or the borders closed after you : Benefit Limit Excess Applies Up to $25,000 any one calendar year (1st January-31st December) period $250 Up to $2,500 Up to $10,000 any one calendar year (1st January-31st December) period $250 Up to $10,000

42 i. made your Relevant Travel Purchase , if your claim is for Cancellation, or; ii. start your Trip , if your claim for a Curtailment or Trip Change; we will pay up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits for: (a) the non-refundable and unused: i. deposits that you have paid in advance; ii. excursion costs that you have paid in advance; iii. travel and accommodation costs that you have paid in advance; (b) the non-refundable travel agents’ commission; (c) any other reasonable additional travel or accommodation (room only) expenses for a Trip Change or Curtailment; however, where you have incurred both additional travel or accommodation expenses as well as forfeited expenses, only the greater of each expense is payable under this Policy . For example, if you forfeit accommodation for a particular night, but also incur expense of accommodation for the same night, only the highest amount will be payable. Terms and Conditions applicable to Trip Cancellation and Amendment Cover

claims for Injury or Illness will require confirmation in writing by a treating Doctor confirming you or your Travelling Companion are unfit to begin or continue your Trip as a result of Injury or Illness . If a written confirmation is not provided, you must provide evidence that you have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence.
claims for death will require death certificate (a certified copy) confirming death. If a death certificate is not provided, you must provide evidence that you have taken reasonable steps to obtain the death certificate, such as emails, call logs or other reasonable evidence.
where the purchase of an airplane, ship, bus or train ticket (or part thereof) was done so using membership rewards points or similar points and the loss of such points cannot be recovered from any other source, we will calculate the loss by using the retail price associated with the travel provider of the issued ticket at the time the ticket was purchased.
you must take reasonable steps to recover any refund, credit note or voucher you are entitled to. Where you have received or been offered a refund, credit note or voucher for the cost of a booking, whether partially or in full, the amount offered or received is to be considered refundable. You are only eligible for cover under this cover section for non-refundable and unused costs.

43 Exclusions applicable to Trip Cancellation and Amendment Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

you or any other person having a change of mind and deciding not to start a Trip , continue with the Trip or any other disinclination to travel;
Pre-Existing Medical Conditions (whether yours , your Travelling Companion’s or a Close Relative’s ) except when you make a Cancellation, Curtailment or Trip Change due to the death of a Travelling Companion or Close Relative and provided the death was not as a result of a Terminal Illness ;
the death, Injury , unforeseen Illness of any Close Relative or Travelling Companion who is 80 years or older when you make your Relevant Travel Purchase ;
Close Relatives who are not Resident(s) of Australia ;
costs where a refund, credit-note or voucher has been received or offered for the cost of the booking;
additional costs incurred due to your failure to notify the carrier or travel agent as soon as reasonably practicable that your Trip is to be Cancelled or Curtailed;
any government regulation, conditions, prohibition or restriction, including but not limited to: (a) your failure to hold or obtain a valid passport, visa, or other required documentation prior to commencing your Trip ; (b) mandatory quarantine except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine; (c) border closures and/or government travel advisories, except where you have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to specified Event 9 of Section A;
where you do not meet the vaccination protocols required by a transport provider or an Australian State, Territory or the Australian Federal Government or the government of any destination you had planned to travel to, before they allow you to board the Public Transport ;
your failure to check-in at the required time for any flight, sea crossing, train or bus journey which is within your control;
cancellation caused by your Work commitments, or amendment of your entitlement by your employer, unless you are a member of the Australian armed services or emergency services (police, fire, ambulance) and the expense or cost was incurred as a result of your leave being revoked;
any costs for, or in respect of, anyone other than a person falling within the definition of Covered Person ;

44 12. costs incurred in respect of any medical condition where you are unable to supply a medical certificate from your treating Doctor confirming Cancellation, Curtailment or Trip Change was necessary and unavoidable. If a written confirmation is not provided, you must provide evidence that you have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence; 13. your financial circumstances or any contractual or business obligation; 14. the failure of your travel agent to pass on monies to operators or to deliver promised services; 15. a Cancellation due to a lack in the number of persons required to commence any tour, conference, accommodation or travel arrangements or due to the negligence (such as failed booking) of a wholesaler or operator; 16. the refusal, failure or inability of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with; 17. additional transportation or accommodation (room only) expenses which are payable under another section or benefit of this Policy ; 18. any circumstances that were foreseeable, avoidable, unnecessary or within your control: (a) at the time you made your Relevant Travel Purchase in the case of Cancellation, or (b) before you start your Trip in the case of Curtailment or Trip Change; Excess applicable to Trip Cancellation and Amendment Cover As noted in the Schedule of Benefits. Section B – Overseas Medical Emergency Expenses Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover 1 In the event of a Medical Emergency If during your Overseas Return Trip (except when you are in Australia ), you have a Medical Emergency resulting from an Injury or Illness , which is not a Pre-Existing Medical Condition , we will pay or reimburse the reasonable expenses for:

your emergency medical Treatment and hospital costs;

45 2. your emergency dental Treatment to natural teeth; 3. your Repatriation/Evacuation costs if approved by Chubb Assistance (such approval not to be unreasonably withheld or delayed) following consultation with the treating Doctor ; 4. your incidental expenses, such as food and toiletries expenses, which you may incur as a result of being hospitalised as an in-patient for each complete 24 hour period; 5. reasonable extra accommodation costs (room-only) for you and any person who stays or travels with you to provide support or care, as reasonably agreed by Chubb Assistance ; 6. if you are travelling alone, we will pay the reasonable costs for: (a) a return economy airfare; and (b) extra accommodation (room- only); for your friend or Close Relative to stay with you as reasonably agreed by Chubb Assistance . The maximum we will pay or reimburse under the Overseas Medical Emergency Expenses Cover is the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. However, we will stop paying costs and expenses prior to that limit being reached if one of the following first occurs: i. 12 months have elapsed since the date of the Injury or Illness ; or ii. you return to Australia ; or iii. you have been declared fit to travel by a treating Doctor or when recommended by Chubb Assistance’s medical officer to return to Australia , but you decide to remain overseas. 2 In the event of your death If during your Trip , in the event of your death, Chubb Assistance will organise, arrange and pay the reasonable costs up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for: (a) transportation of your remains to an airport of your Home State or Territory in Australia ; or (b) cremation and subsequent transportation of your remains to an airport of your Home State or Territory in Australia ; or (c) local (in the country of your death) burial. If you hold a valid Schengen Visa and in the event of your death in a Schengen member state during your Overseas Return Trip , the maximum amount we will pay in total will not exceed 30,000EUR for expenses incurred in that Schengen member state for your burial or cremation. Terms and Conditions applicable to Overseas Medical Emergency Expenses Cover

you must be 79 years of age or you nger when you make your Relevant Travel Purchase .
we will not be liable to pay or reimburse you for any medical Treatment , hospital costs, dental Treatment or any other ancillary Treatment (i.e. physiotherapy) that are incurred in Australia .

46 3. you must take all reasonable measures to avoid or minimise any claim, to follow all applicable care and safety procedures notified to you by a treating Doctor or Chubb Assistance’s medical officer, to obtain help or assistance as soon as reasonably possible and avoid danger, except in an attempt to save human life. 4. you must make all reasonable attempts to call (demonstrated in call logs) Chubb Assistance before seeking overseas Emergency Medical Treatment . If your medical condition prevents you from calling, if possible, someone else should call on your behalf, such as a relative, Travelling Companion , nurse or Doctor . If you do not make reasonable attempts to call Chubb Assistance before seeking emergency medical Treatment , or you chose to seek Treatment from a medical service provider not approved by Chubb Assistance , you may be responsible for your medical expense costs to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance . 5. in the event of an overseas Medical Emergency , we will arrange your transportation to the nearest hospital or evacuate you to the nearest adequately equipped hospital in the event that local medical facilities consider they cannot adequately treat you or where Chubb Assistance’s medical officer considers local medical facilities to be inadequate. 6. if your original means of transportation cannot be used, we will repatriate you directly to Australia when you are deemed medically fit to travel by the local treating Doctor or by Chubb Assistance’s medical officer. 7. to understand the extent of your Injury or Illness and what Treatment or Repatriation/Evacuation , if any, is required, we may seek a second independent Doctor or Dentist to review and confirm what medical Treatment , expenses or Repatriation/Evacuation is appropriate. 8. we will repatriate or evacuate you to Australia by the quickest and most direct route as determined by the treating Doctor or as recommended by Chubb Assistance’s medical officer. However, if you chose to be repatriated or evacuated without first discussing this with Chubb Assistance , you may be responsible for any costs to the extent that those Repatriation/Evacuation costs could otherwise have been reduced through preferred medical providers arranged by Chubb . 9. claims for death will require a death certificate confirming the cause of death. If it is not reasonably practical to obtain a death certificate, you or your legal representative must provide reasonable evidence in support of why a death certificate cannot be obtained, such as emails, call logs demonstrating your or your legal representative’s attempt to obtain the death certificate. 10. benefits will be paid in Australian dollars to your estate following death.

47 Exclusions applicable to Overseas Medical Emergency Expenses Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

your Pre-Existing Medical Condition(s) ;
any medical Treatment , hospital costs, dental Treatment or any other ancillary Treatment (i.e. physiotherapy) that are incurred in Australia ;
costs that are incurred 12 months after the date of the Injury or Illness first occurs;
your failure to make any reasonable attempt to contact Chubb Assistance where you were reasonably able to do so;
your participation in Excluded Sports and Activities ;
participation in a sporting Event where you receive, or are eligible to receive, an appearance fee, wage, salary or prize Money in excess of $1,000. Participation includes training for, coaching or otherwise competing in that sporting Event ;
costs from dental Treatment caused by or related to the deterioration and/or decay of teeth or associated tissue;
costs related to dentures, crowns and orthodontics;
costs from routine medical or dental Treatment or prenatal visits;
Treatment or prescription medication (including medication and ongoing immunisations) started prior to your Overseas Return Trip ;
Treatment performed by Close Relatives , except in a life- threatening emergency;
you remaining overseas after Chubb Assistance confirms, based on medical evidence from the treating Doctor , that you are fit to travel and can return to Australia ;
any expenses incurred in relation to Treatment that can reasonably be delayed until you return to Australia ;
costs arising from an Overseas Return Trip involving pre-planned Treatment , or for the purpose of obtaining Treatment , and Treatment for cosmetic reasons. Unless Chubb Assistance’s medical officer agrees that such Treatment is necessary as a result of any covered accident;
you engaging in Manual Work ;
diagnostic or routine screening tests, unless recommended by a Doctor as part of your emergency medical Treatment ;
any costs incurred in a destination where an Australian State, Territory, or the Australian Federal Government or an Australian government agency (such as DFAT) have issued or upgraded a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to and this occurred prior to you starting your Trip . This exclusion applies even

48 if you have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel; 18. a Medical Emergency occurring within the territorial waters of Australia if the expense: (a) is a professional service for which a Medicare benefit is or would be payable in accordance with the Health Insurance Act 1973 (Cth); and (b) would result in us contravening the Health Insurance Act 1973 (Cth) or the Private Health Insurance Ac t 2007 (Cth) or any succeeding legislation to those Acts; (c) meaning no claim will be paid where we do not have the necessary licences to provide such cover. Excess applicable to Overseas Medical Emergency Expenses Cover As noted in the Schedule of Benefits. Section C – Accidental Death Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover Accidental Death due to Injury If during your Overseas Return Trip , you suffer an Injury that results in your Accidental Death within 12 months of the date of the Injury , we will pay your estate the applicable benefit amount up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. If you are eligible for the higher Accidental Death benefit under Section D – Public Transport Accident Cover, the above benefit cannot also be claimed. Terms and Conditions applicable to Accidental Death Cover

benefits will be paid in Australian dollars to your estate.
claims for Accidental Death will require death certificate confirming cause of death.
if you are also entitled to make a claim from us under a separate insurance policy on another NAB issued card account, we will only make 1 payment in relation to the accident and loss in question. In that instance, we will pay the highest benefit amount applicable. Exclusions applicable to Accidental Death Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

your death if it occurs within Australia ;
the Accidental Death of a person that is not a Covered Person ;
death caused by Illness , a Pre- Existing Medical Condition or natural causes;
where a claim has been paid under any other section of this Policy for the same Event . Excess applicable to Accidental Death Cover As noted in the Schedule of Benefits. Section D – Public Transport Accident Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover 1 Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport If during your Trip , you sustain an Injury that results in an Accidental Death or Permanent Disablement as described within the Schedule of Benefits as a result of: – travelling as a passenger on Public Transport , or – boarding or disembarking from Public Transport , we will pay the applicable benefit amount noted in the Schedule of Benefits. 2 Accidental Death or Permanent Disablement arising while in a departure terminal or destination terminal If during your Trip , you sustain an Injury that results in an Accidental Death or Permanent Disablement as described within the Schedule of Benefits while at your ticketed departure or destination terminal (both as designated on your ticket) of a Public Transport , we will pay the applicable benefit amount noted in the Schedule of Benefits. 3 Accidental Death or Permanent Disablement arising from exposure If during your Trip , you sustain an Injury due to exposure to excessive weather conditions that results in an Accidental Death or Permanent Disablement as described within the Schedule of Benefits due to the disappearance, sinking or wrecking of the Public Transport on which you were travelling on, we will pay the applicable benefit amount noted in the Schedule of Benefits. 4 Accidental Death arising from disappearance while travelling on Public Transport If during your Trip , you disappear due to the disappearance, sinking

50 or wrecking of the Public Transport on which you were travelling, and your body has not been found within 12 months, you will be deemed to have died at the time of your disappearance and we will pay the applicable Accidental Death benefit amount noted in the Schedule of Benefits. Terms and Conditions applicable to Public Transport Accident Cover

in no circumstance will we pay for more than 1 loss type sustained by you as a result of any 1 accident or Injury . Where more than 1 loss type is sustained, the benefit will be paid for the highest benefit amount for a Card Member , Additional Card Member , Spouse or Child.
claims for Permanent Disablement will require confirmation in writing by a treating Doctor as soon as reasonably possible. Medical certificates must be provided at your own cost.
claims for Accidental Death will require death certificate confirming cause of death. In the case of disappearance on Public Transport , a Covered Person or your legal representative must provide reasonable evidence that the Covered Person’s body was not found within 12 months.
if you are also entitled to make a claim under the insurance cover provided by us under another NAB issued card account, we will only make 1 payment equal to the highest benefit amount payable under all insurance cover provided by us in relation to the accident and loss in question.
benefits will be paid in Australian dollars to you or, in the case of your Accidental Death , to your estate. Exclusions applicable to Public Transport Accident Cover Please also refer to the General Exclusions applicable to all Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:
travelling on privately hired, rented or chartered transport;
the Accidental Death or Permanent Disablement of a person that is not a Covered Person . Excess applicable to Public Transport Accident Cover As noted in the Schedule of Benefits. Section E – Loss of Income Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section.

51 What We Cover Temporary Total Disablement – Loss of Income Cover If during your Overseas Return Trip , you suffer an Injury which: (a) was not a Pre-Existing Condition; and (b) leads to Temporary Total Disablement resulting in you being unfit to attend your current Usual Work in Australia , as confirmed by your treating Doctor ; and (c) causes the loss of your entire regular Monthly Salary lasting 30 days or longer; we will pay for any 1 Injury , your Monthly Salary up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for a maximum period of 5 months. Terms and Conditions applicable to Loss of Income Cover

you must see a Doctor . The first day of your Temporary Total Disablement is the date from which your treating Doctor confirms you were unable to work.
you must provide us with the treating Doctor’s certificate confirming your continuing Temporary Total Disablement at the end of the first 30 days and/ or as soon as reasonably possible after 30 days and after every subsequent 30 day period or within a reasonable time if we request it. Medical certificates must be provided at your cost.
we will pay 1 monthly benefit on or after the 31st day and will continue to pay for each complete calendar month, or until you are no longer suffering Temporary Total Disablement as deemed to be medically fit by a treating Doctor or by Chubb Assistance’s medical officer.
after the first 30 days of Temporary Total Disablement , if Temporary Total Disablement is less than a complete calendar month, we will pay a benefit of one-thirtieth (1/30th) of the monthly benefit for each subsequent day of Temporary Total Disablement .
in the event of claims for separate periods of Temporary Total Disablement resulting from the same or different conditions or causes, we will only pay a Temporary Total Disablement monthly benefit if you have been in employment or self-employed and engaged in your usual employment duties for 90 consecutive days between each period of Temporary Total Disablement .
if 2 periods of Temporary Total Disablement resulting from the same condition or cause are separated by less than 90 days, we will treat this as 1 claim. Therefore, the first 30 days will not apply to the second period of Temporary Total Disablement . However, we will not pay for any days when you did not suffer Temporary Total Disablement .

52 Exclusions applicable to Loss of Income Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

any income where your employment ends with the employer. This means: if your employment ends before the Temporary Total Disablement then this cover does not apply or if your employment ends after the Temporary Total Disablement , we will only pay up until the point your employment ended;
any future income you expect or could receive as part of any bonus or bonus structure, salary increase, salary sacrifice scheme or employee benefit scheme (such as shares);
Pre-Existing Medical Conditions . Excess applicable to Loss of Income Cover As noted in the Schedule of Benefits. Section F – Resumption of Long Overseas Trip Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover 1 Returning to Australia for a Close Relative In the event that you have to interrupt a Long Overseas Trip and return to Australia immediately following the:
death;
Injury ;
unforeseen Illness ; of a Close Relative which was not as a result of a Pre-Existing Medical Condition and where the Close Relative is: (a) 79 years of age or you nger when you make your Relevant Travel Purchase ; and (b) a Resident of Australia ; we will pay or reimburse the costs of a Scheduled Flight of equal class, seat or cost for you to resume your Long Overseas Trip if: i. you resume your Long Overseas Trip within 30 days of returning to Australia ; and ii. on the date you return to Australia you have more than 14 days remaining on your Long Overseas Trip ; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits.

53 2 Returning to Australia for a Close Relative with a Pre - Existing Medical Condition In the event that you have to interrupt a Long International Trip and return to Australia immediately following the:

death; of a Close Relative which was as a result of a Pre-Existing Medical Condition and where the Close Relative is: (a) 79 years of age or you nger when you make your Relevant Travel Purchase ; and (b) a Resident of Australia ; we will pay or reimburse the costs of a Scheduled Flight of equal class, seat or cost for you to resume your Long Overseas Trip if: i. you resume your Long Overseas Trip within 30 days of returning to Australia ; and ii. on the date you return to Australia you have more than 14 days remaining on your Long Overseas Trip ; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Resumption of Long Overseas Trip Cover
we will deduct any airline refunds or travel credits you receive from the amount we pay or reimburse.
we will deduct any airfares reimbursed under Section A – Trip Cancellation and Amendment Cover.
we will only pay or reimburse for airfares that are of equal class, seat or cost to that of the original booking.
the resumption of your Long Overseas Trip must be in the country you left to return Home or the country you would be in had your return Home not occurred based on the original travel schedule.
you must resume your Long Overseas Trip within 30 days of returning to Australia .
on the date you return to Australia , you must have more than 14 days remaining on your Long Overseas Trip .
we will only pay if the death, Injury or unforeseen Illness of a Close Relative occurred after you make your Relevant Travel Purchase . Exclusions applicable to Resumption of Long Overseas Trip Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:
costs from the death, Injury or unforeseen Illness of any Close Relative : i. who is 80 years of age or older when you made your Relevant Travel Purchase ; or ii. that occurred before you made your Relevant Travel Purchase ;
any Terminal Illness of a Close Relative which was diagnosed

54 before you made your Relevant Travel Purchase ; 3. Close Relatives who are not Resident(s) of Australia ; 4. any transportation costs within Australia ; 5. airfare costs to resume your Long Overseas Trip where you have made a Claim under Section A Trip Cancellation and Amendment Cover; 6. circumstances where there was a reasonable likelihood that a return Home may be necessary or a reasonable person under the circumstances would have foreseen prior to making the Relevant Travel Purchase or booking, arrangement or rearrangement the Long Overseas Trip , may lead your return Home from an Long Overseas Trip ; 7. any airfares for which have not been booked and paid for before you started your Long Overseas Trip ; 8. costs where a claim has been paid under any other section of this Policy for the same Event . Excess applicable to Resumption of Long Overseas Trip Cover As noted in the Schedule of Benefits. Section G – Trip Delay Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover 1 Delayed, cancelled, overbooked or missed onward flight If during your Trip , your Scheduled Flight is: (a) delayed or cancelled for 6 hours or more; or (b) you are denied boarding of the aircraft due to over-booking, and no alternative flight is made available to you within 6 hours of the scheduled departure time of such flight; or (c) your onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of your incoming connecting Scheduled Flight , and no alternative onward flight is made available to you within 6 hours of the actual arrival time of the incoming flight; we will reimburse you for additional hotel accommodation (room only) up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. 2 Extended delayed, cancelled, overbooked or missed onward flight If you have a claim under 1) Delayed, cancelled, overbooked or missed onward flight, we will also reimburse you for additional accommodation expenses (room only) for each full 24- hour period that the delay continues beyond the initial 6-hour delay up to the maximum relevant cover section

55 limit inclusive of sub-limits as shown in the Schedule of Benefits. 3 Delay of Personal Baggage checked-in on Scheduled Flight If during your Trip , your accompanying Personal Baggage , which is checked in on the Scheduled Flight is not delivered to you by the airline provider within twelve (12) hours of your arrival at the scheduled destination point, we will reimburse you for the purchase of essential emergency clothing and toiletries which are required for use within the first twenty-four (24) hours of the Personal Baggage delay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. There is no cover under this section for loss arising from Personal Baggage delay when checked-in on the Scheduled Flight that returns you Home . 4 Extended Delay of Personal Baggage checked-in on Scheduled Flight If during your Trip , your accompanying Personal Baggage which is checked in on the Scheduled Flight is not delivered to you by the airline provider upon your arrival at the scheduled destination point, we will reimburse you for the reasonable emergency purchase of essential clothing and toiletries for each additional 24 hours after the initial 12 hours baggage delay, up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. There is no cover under this section for loss arising from extended Personal Baggage delay when checked-in on the Scheduled Flight that returns you Home . 5 Delayed arrival to a Special Event If during your Trip , your Scheduled Flight is delayed due to an unforeseeable circumstance outside your control and as a result you would be unable to arrive in time for a Special Event , which cannot be delayed due to your late arrival, we will pay reasonable additional expenses for the cost of alternative Public Transport to arrive at the Special Event , up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Trip Delay Cover

in the event of a claim, you must provide us with invoices and/or receipts.
claims for lost or delayed luggage must be reported to the transport provider or carrier and a property irregularity report (such as a luggage incident report) obtained where reasonably possible. If a property irregularity report or incident report is not provided, you must provide evidence that you have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence. A copy of any property irregularity report obtained from the airline must be supplied to us together with the following information:

56 (a) full details of the flight (airline, flight numbers, departure airport, destination, Scheduled Flight times and arrival airport); (b) full details of the delay or loss incurred; and (c) full details of expenses for which reimbursement is claimed. 3. we will deduct all credits, refunds and allowances provided or offered to you by the transport provider or carrier from the amount we pay or reimburse. Exclusions applicable to Trip Delay Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

the confiscation or requisition by any customs agency or other government authorities;
the purchase of clothing and toiletries that are not reasonably necessary for your Trip ;
any lost or delayed Personal Baggage where a property irregularity report (such as a luggage incident report) is not provided and where you are unable to provide evidence that you have taken reasonable steps to obtain one. Such evidence includes emails and call logs to the transport provider or other reasonable evidence;
Personal Baggage delay or extended Personal Baggage delay when checked-in on the Scheduled Flight that returns you Home ;
any costs that relate to any other person for which you have paid for that is not a Covered Person ;
where a claim has been paid under any other section of this Policy for the same Event .
any delay or cancellation of a Scheduled Flight as a result of COVID-19 . Excess applicable to Trip Delay Cover As noted in the Schedule of Benefits. Section H – Personal Baggage , Valuables , Money and Travel Documents Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover If during your Trip , your :
Personal Baggage , Valuables or Travel Documents are accidentally damaged or destroyed; or
Personal Baggage , Valuables , Money or Travel Documents are accidentally lost; or
Personal Baggage or Travel Documents are lost or stolen when

57 they have been checked in or stowed in the luggage hold of an airplane, ship, bus or train, where you had no access to that Personal Baggage or Travel Documents until the end of the transport; or 4. Personal Baggage , Valuables , Money or Travel Documents are lost or stolen when they have been stowed in a specially designated area (such as overhead compartment, luggage rack or hotel storage room) on an airplane, ship, bus or train transport or with an accommodation provider; or 5. Personal Baggage , Valuables , Money or Travel Documents are stolen from your locked accommodation (excluding motor vehicle accommodation) where the accommodation was reasonably able to be locked; or 6. Personal Baggage (excluding Valuables and Money ) or Travel Documents left Unattended are stolen from a motor vehicle, where: (a) items were locked out of sight in a Secure Area and (b) Forcible Entry has been used by an unauthorised person to gain entry to the vehicle and (c) evidence of such Forcible Entry is available; or 7. Personal Baggage , Valuables , Money or Travel Documents which are: (a) carried by you ; or (b) under your observation and within 3 metres of you are stolen; we will, after we deduct the Excess from your claim, do one of the following: – pay you the reasonable costs for the item to be repaired if it is practical and economic for the item to be repaired; – if it is not practical and economic to repair the item, we will pay you the lesser of: i. the original purchase price of the item minus depreciation (wear and tear); or ii. the current replacement cost of the item with the same or nearest type if the item is available (i.e. make and model); up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Personal Baggage , Valuables , Money and Travel Documents Cover

we will deduct the Excess from your claim.
any payment will be based on the item’s depreciated value, repair cost (to the condition before the loss) or current replacement cost, as outlined directly above.
you must take reasonable precautions for the safety and supervision of your Personal Baggage , Valuables , Money and Travel Documents .
any claims to a Pair or Set , if you agree to surrender the undamaged item(s) of the Pair or Set to us and we agree to accept them, we will pay you the current replacement cost of the entire Pair or Set . If you do not agree to surrender the

58 undamaged items, we will only be liable for the value of that part of a Pair or Set which has been lost, stolen, damaged or destroyed. For example, if one earring is stolen we will only pay 50% of the cost of replacement earrings. 5. if we ask, you must send to us any damaged or undamaged items and pay for postage. 6. theft of Personal Baggage or Travel Documents (excluding Valuables or Money ) left Unattended in a motor vehicle is subject to the following: (a) items must be locked out of sight in a Secure Area ; and (b) Forcible Entry must have been used by an unauthorised person to gain entry to the vehicle; and (c) evidence of such entry is available. 7. to support all claims, you must supply a copy of the item’s original purchase receipt or invoice or an alternative written or printed proof of the purchase price or value. 8. you must report loss, theft or criminal damage to the: (a) local police; or (b) appropriate issuing authority (in the case of Travel Documents ), and a written report obtained where reasonably possible. If a written report is not provided, you must provide evidence that you have taken reasonable steps to report the loss, theft or criminal damage including details of the time and place you made the report, and the name and contact details of who you reported the loss, theft or criminal damage to (to the extent such details are within your power to provide). 9. claims for damaged items in transit must be reported to the carrier, tour, transport or accommodation provider and a written report obtained where reasonably possible. If a written report is not provided, you must provide evidence that you have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence to the travel or accommodation provider. 10. benefits will not be payable under more than one section or benefit of this Policy as a result of one Event. We will, however, pay the benefit type with the highest benefit amount. Depreciation applicable to Personal Baggage , Valuables , Money and Travel Documents Cover We will apply depreciation (wear and tear) in determining the value of your Personal Baggage and Valuables as specified in the table below. Depreciation considers an item’s age, damage or change that is caused to an item when its being used normally. Depreciation will be calculated from the date of purchase of the item until the date of the claimable Event , based on the original purchase price. For example: If you purchased a Smartphone for $1,000, went on a Trip and the Smartphone was stolen, we will calculate the number of months between the date you purchased your

59 Smartphone and the claimable Event date. Suppose the number of months is 6, we will calculate the depreciation as follows: – Purchase price – depreciation – Excess = amount payable – Number of months = 6 – 6 multiplied by depreciation for Smartphone of 2.5% = 15% – Depreciation: $1,000 multiplied by 15% = $150 – Excess = $250 – Amount payable by us for your stolen Smartphone : $1,000 – $150 – $250 = $600 Depreciation Table Items Deduction for each month of age of the item at the time of Event Maximum Applicable Depreciation Electronic equipment 2.5% 65% Camera (including lenses and accessories) 2.5% 65% Sunglasses 1.5% 65% Smartphone 2.5% 65% Laptop 2.5% 65% Jewellery 0% 0% Sports equipment 2.0% 65% Cosmetics 2.5% 65% Clothing 1.9% 65% Other personal items 1.5% 65% Exclusions applicable to Personal Baggage , Valuables , Money and Travel Documents Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

any items loaned, hired or entrusted to you ;
loss, theft, criminal damage where there is insufficient evidence that you have taken reasonable steps to report the incident to the local police or appropriate issuing authority (in the case of Travel Documents ). Such evidence includes details of the time and place you made the report, and the name and contact details of who you reported the loss, theft or criminal damage to (to the extent such details are within your power to provide);

60 3. damaged items in transit where a written report from the carrier, tour, transport or accommodation provider is not provided and where you are unable to evidence that you have taken reasonable steps to obtain a written report from the carrier, tour, transport or accommodation provider. Such evidence includes emails and call logs to the carrier, tour, transport or accommodation provider or other reasonable evidence; 4. theft by a Travelling Companion , Close Relative or any person you have given consent to visit you , stay or travel with you ; 5. furniture, furnishings or household appliances; 6. electrical or mechanical breakdown of items; 7. items left Unattended in a Public Place (unless you have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation); 8. Valuables and Money left Unattended in a motor vehicle (unless you have no option other than to leave the Valuables or Money Unattended due to an emergency medical, security or evacuation situation); 9. Personal Baggage or Travel Documents left Unattended and which are stolen from a motor vehicle if the items have not been locked in the Secure Area (unless you have no option other than to leave the Personal Baggage or Travel Documents Unattended and not locked in a Secure Area due to an emergency medical, security or evacuation situation); 10. Valuables or Money within your Personal Baggage checked in or stowed in the luggage hold of an airplane, ship, bus or train; 11. atmospheric or climatic conditions, wear and tear (damage that naturally and inevitably occurs as a result of normal wear or ageing), vermin, insects, rodents or any process of cleaning, repairing, restoring or alteration; 12. any business goods or specialised equipment relating to a trade or profession; 13. the confiscation or destruction by order of any government or public authority; 14. any items sent under the provisions of any freight contract, postal, courier or similar service; 15. damage to fragile or brittle items unless caused by fire or resulting from an accident to an aircraft, sea vessel or motor vehicle; 16. any sporting equipment, bicycles, surfboards or waterborne craft (including their ancillary equipment) of any description. This exclusion does not apply where such items are lost, stolen, accidentally damaged, or destroyed, while in the custody of a transport provider; 17. any drones; 18. any motor vehicle, motor vehicle accessories or parts, motorised or propelled vehicles such as scooters, electric bicycles or golf buggies;

61 19. in respect to a Pair or Set of items, if you choose not to surrender the undamaged item(s) that form part of the Pair or Set , we will only pay for the value of the item(s) which have been lost, stolen, damaged or destroyed; 20. shortages, errors, omissions, depreciation in value in respect of Money and Travel Documents ; 21. any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-loaded or rechargeable cards including but not limited to phone, debit or stored value cards; 22. loss of Money or Valuables from your accommodation unless evidence is available that Forcible Entry was used to gain entry to the accommodation or where reasonable evidence (such as key entry recording) that there was unauthorised entry; 23. any of the following: animals or plant life, antiques and historical artefacts, bonds, securities, stamps, coupons, vouchers or documents of any kind other than those within the definition of Money and Travel Documents , china, consumable or perishable items, contact or corneal lenses, dentures, glass, hearing aids, keys, musical instruments, pictures, photos; 24. costs where a claim has been paid under any other section of this Policy for the same Event ; 25. lost or stolen cryptocurrency; 26. loss of any electronic data or software. Excess applicable to Personal Baggage , Valuables , Money and Travel Documents Cover As noted in the Schedule of Benefits. Section I – Hijack Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover If during your Trip , your Public Transport is Hijacked by persons using violence or threat of violence and you are detained in excess of 24 hours as a result of the Hijack , we will pay costs for: (a) a return economy airfare; and (b) extra accommodation (room-only) for each 24-hour period; for your Close Relatives to travel to and stay at the location of the Hijacking, up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Hijack Cover

payment and cover start after the first 24 hours from the time a government authority had been notified of the Hijacking.
we will not act as your negotiator or intermediary or advise you or any person in dealing with the Hijackers.

62 Exclusions applicable to Hijack Cover Please also refer to the General Exclusions applicable to All Sections within this Policy . We will not pay for or reimburse any costs arising from or relating to:

Hijacking from a member of your family, Close Relative or Travelling Companion . Excess applicable to Hijack Cover As noted in the Schedule of Benefits. Section J – Personal Liability Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover If during your Trip , you become unintentionally legally liable to pay compensation to someone (other than a member of your family, a Close Relative or a Travelling Companion ) as a result of: (a) an Injury or death to that person; or (b) accidental physical damage or loss to someone else’s tangible property, we will pay or reimburse costs up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for: (a) your legal costs; (b) damages that are recoverable from you ; (c) costs that are incurred with our consent (which will not be unreasonably withheld or delayed); (d) costs for legal representation at any coroner’s inquest or fatal accident inquiry or in a court of summary jurisdiction. Terms and Conditions applicable to Personal Liability Cover
you must not admit liability, negotiate, make any promise, payment or settlement without our prior written consent (which will not be unreasonably withheld, delayed or conditioned).
you must as soon as you receive them, send us every letter, claim, writ, summons, process, notice of any prosecution or inquest that relates to, or may give rise to, liability.
we may at any time make full and final settlement of any claim at our cost pursuant of this Personal Liability Cover. If we do so, we will have no further liability in respect of such Event or Events except for the payment of costs and expenses incurred prior to the date of settlement.
we may make any investigation we deem reasonably necessary.

63 Exclusions applicable to Personal Liability Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

you intentionally incurring any liability;
Injury to any person who is a member of your family, a Close Relative or your Travelling Companion or under a contract of service or apprenticeship with you ;
loss of or damage to any material property belonging to you or in your care, custody or control or belonging to a member of your family, a Close Relative or your Travelling Companion or anyone under a contract of service or apprenticeship with you . This does not apply to loss of or damage to buildings and their contents temporarily occupied by you during a Trip ;
liability you incur under a contract or agreement which you would not have in the absence of such contract or agreement;
any unlawful, wilful or malicious act by you and including any assault and/or battery committed by you ;
aggravated, exemplary or punitive damages or the payment of any fine or penalty;
liability arising out of the transmission of a sexually transmittable disease or passing on an Illness , virus or disease to another person;
liability arising directly or indirectly out of the ownership, possession, control or use by you or on your behalf of: (a) mechanically propelled vehicles (including scooters), aircraft (including drones), hovercraft or watercraft (other than non-mechanically propelled watercraft less than 10 metres in length); (b) firearms; (c) animals (other than horses and domestic pets).
Injury or loss of or damage to material property arising directly or indirectly from: (a) the ownership possession or occupation of land, immobile property or caravans other than as temporary accommodation in the course of a Trip ; (b) the carrying on of any trade, business or profession;
liability arising from Excluded Sports and Activities ;
liability arising from the negligent supervision or vicarious liability of the acts of a minor;
any criminal proceedings taken against you whether you are actually convicted or not. Excess applicable to Personal Liability Cover As noted in the Schedule of Benefits.

64 Section K – Rental Vehicle Excess Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Not all benefits listed within this cover section are available for a Trip . Please refer to the Schedule of Benefits within this Policy to confirm the available cover under this section. What We Cover If during your Trip , you hire a Rental Vehicle : (a) for less than 30 days; and (b) pay for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle for the duration of the rental period; and your Rental Vehicle is: (a) damaged in a motor vehicle collision; or (b) damaged by fire; or (c) maliciously damaged; or (d) stolen; whilst in your control or custody, we will pay or reimburse you the lesser of: I. the Rental Vehicle Deductible you would be required to pay as part of the Rental Agreement ; or II. the Rental Vehicle damage; that you become liable to pay under the Rental Agreement , up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Rental Vehicle Excess Cover

you must be the nominated driver or specified driver under the Rental Agreement .
you must have a valid international driving licence or a driver’s licence that permits you to legally drive the Rental Vehicle .
you have paid for insurance for loss or damage to the Rental Vehicle for the duration of the rental period that is within your Trip .
cover will take effect from the time you take legal control of the Rental Vehicle and will cease at the time the Rental Company assumes control of the Rental Vehicle whether at its business location or elsewhere.
claims will not be paid in respect of expenses to the extent that they are assumed, waived or paid by the Rental Company or its insurers.
in the event you have a claim, you must provide a copy of: (a) your Rental Agreement ; (b) any incident report that was completed.
losses will not be paid in respect of any property or expenses insured under another policy or any claim, which should be recoverable under any other insurance.

65 Exclusions applicable to Rental Vehicle Excess Cover Please also refer to the General Exclusions applicable to All Sections within this Policy We will not pay for or reimburse any costs arising from or relating to:

damage or liability not covered under the insurance for loss or damage to the Rental Vehicle ;
damages or injuries to a third-party vehicle or person;
the rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles;
use of the Rental Vehicle in, or in training for, racing competitions, trials, rallies or speed testing;
loss or damage arising from operating the Rental Vehicle in violation of the terms of the Rental Agreement ;
where you are not a nominated driver or specified driver under the Rental Agreement ;
where you do not have an appropriate and a valid driving licence giving you legal rights to drive;
anyone who is not a Covered Person ;
damage sustained whilst driving on an un-sealed or private road (except private roads associated with a Public Place , such as shopping centres, car parks, hotels and entertainment venues);
any administration costs, petrol, loss of use penalties or fines;
atmospheric or climatic conditions, wear and tear (damage that naturally and inevitably occurs as a result of normal wear or aging), vermin, insects, rodents or any process of cleaning, repairing, restoring or alteration;
any damage that results in you filling the vehicle with inappropriate petrol or diesel that is not specified by the manufacturer;
any pre-existing damage. Excess applicable to Rental Vehicle Excess Cover As noted in the Schedule of Benefits. Section L – Card Purchase Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. What We Cover Theft or damage of an Eligible Item If your Eligible Item is stolen or accidentally damaged within 90 days of purchase, we will: – pay you the reasonable costs for the Eligible Item to be repaired if it is practical and economic for the Eligible Item to be repaired; – if it is not practical and economic for you to have the Eligible Item repaired, we will reimburse you with the replacement amount not exceeding the original purchase price of the Eligible Item ;

66 up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Card Purchase Cover

we will deduct the Excess from your claim.
any claims to a Pair or Set , if you agree to surrender the undamaged item(s) of the Pair or Set to us and we agree to accept them, we will pay you the current replacement cost of the entire Pair or Set . If you do not agree to surrender the undamaged items, we will only be liable for the value of that part of a Pair or Set which has been stolen or damaged. For example, if one earring is stolen we will only pay 50% of the cost of replacement earrings.
an Eligible Item which is left Unattended in a Public Place and which is not subsequently recovered shall not constitute theft, unless you have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation.
if you purchase the Eligible Item as a gift for someone else, you may request for us to pay a valid claim directly to the recipient of the gift.
you must provide us with copies of invoices and/or receipts relating to the Eligible Item purchase. Upon request, you must also provide us with the damaged Eligible Item or receipt as proof of mailing/ shipping.
claims for theft must be reported to the local police and a written report obtained where reasonably possible. If a written report is not provided, you must provide evidence that you have taken reasonable steps to report the theft or criminal damage including details of the time and place you made the report, and the name and contact details of who you reported the theft or criminal damage to (to the extent such details are within your power to provide). Exclusions applicable to Card Purchase Cover Please also refer to the General Exclusions applicable to All Sections within this Policy . We will not pay for or reimburse any costs arising from or relating to:
damage to an Eligible Item wilfully damaged by you ;
claims for theft where there is insufficient evidence that you have taken reasonable steps to report the incident to the local police. Such evidence includes details of the time and place you made the report, and the name and contact details of who you reported the theft or criminal damage to (to the extent such details are within your power to provide);
costs where a claim has been paid under any other section under this Policy for the same Event ;
theft or accidental damage to an Eligible Item received as a gift;
items purchased in a business name or business owned or business related;

67 6. an Eligible Item which is left Unattended in a Public Place , unless you have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation; 7. damage resulting from normal wear and tear (damage that naturally and inevitably occurs as a result of normal wear or ageing) to Eligible Items ; 8. damage to Eligible Items caused by product defects; 9. theft of or accidental damage to an Eligible Item left Unattended in a motor vehicle, except when: i. the Eligible Item is locked out of sight in a Secure Area and Forcible Entry has been used by an unauthorised person to gain entry to the vehicle, and evidence of such Forcible Entry is available; or ii. you have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation; 10. theft of or damage to jewellery, watches, precious metals and gemstones in baggage unless carried by hand and under your personal supervision; 11. theft of or damage to: (a) animals, living plants, perishable goods (including but not limited to food, drugs, fuel or oil); (b) software, operating systems or firmware; (c) cash, its equivalents, traveller’s cheques, tickets or negotiable instruments; (d) a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; (e) second-hand, including antiques; (f) real estate or movable fixtures or fittings (including but not limited to dish washers and fixed air conditioners) which are, or are intended to form part of any home or real estate; 12. in respect to a Pair or Set of items, if you choose not to surrender the undamaged item(s) that form part of the Pair or Set , we will only pay for the value of the item(s) which have been stolen or damaged. Excess applicable to Card Purchase Cover As noted in the Schedule of Benefits. Section M – Buyer’s Advantage Cover This benefit is only available when you meet the eligibility criteria set out in the Eligibility for Insurance Table. Specific Definitions under Buyer’s Advantage Cover Original Warranty means a manufacturer’s written warranty that does not exceed 5 years and is applicable within Australia to the Eligible Item .

68 What We Cover If you make an Eligible Item purchase from a retailer, you will receive cover for the breakdown or defect of Eligible Item purchased, provided that such breakdown or defect would have been covered by the Original Warranty and occurs between the date that the Original Warranty expired and the end of the buyer’s advantage period (see table below). Buyer’s advantage commences on expiry of the Original Warranty. Where the Original Warranty period is: The buyer’s advantage period is: 1 month 1 month commencing at the end of the Original Warranty period 6 months 6 months commencing at the end of the Original Warranty period 1-5 years 1 year commencing at the end of the Original Warranty period 5+ years No Cover We will, after we first deduct the applicable Excess from your claim, do one of the following: – pay you the reasonable costs to repair or rebuild the Eligible Item if it is practical and economic for the item to be repaired; – if it is not practical and economic for you to have the Eligible Item repaired or rebuilt, we will pay you the lesser of the original purchase price or the replacement cost of the Eligible Item ; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Buyer’s Advantage Cover

we will deduct the Excess from your claim.
you will need to provide a copy of the Original Warranty, the sales receipt and account statement showing the purchases as you need these in order to make a claim.
claims to a Pair or Set , if you agree to surrender the undamaged item(s) of the Pair or Set to us and we agree to accept them, we will pay you the current replacement cost of the entire Pair or Set . If you do not agree to surrender the undamaged items, we will only be liable for the value of that part of a Pair or Set which has been broken or is defective. For example, if one earring is damaged we will only pay 50% of the cost of replacement earrings. Exclusions applicable to Buyer’s Advantage Cover We will not pay for or reimburse any costs arising from or relating to:
any damage caused by a failure to take reasonable care in the circumstances to protect and

69 maintain the Eligible Item against damage or to take reasonable care to mitigate any damage to the property; 2. any costs other than for parts and or labour costs resulting from a covered breakdown or defect; 3. any obligations, costs or losses beyond those set out in the Original Warranty; 4. any payments, costs, expenses or claims for bodily Injury , property damage, consequential loss of damage, loss of profit, punitive damages or legal costs associated in any way with the product; 5. any costs for: (a) an Eligible Item purchased in a business name or business owned or business related; (b) a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; (c) second-hand items, including antiques; (d) real estate or immovable fixtures or fittings (including but not limited to integrated stove tops, integrated ovens, and fixed air conditioners) which are, or are intended to form part of any residential home; 6. in respect to a Pair or Set of items, if you choose not to surrender the undamaged item(s) that form part of the Pair or Set , we will only pay for the value of the item(s) which had the breakdown or defect. Excess applicable to Buyer’s Advantage Cover As noted in the Schedule of Benefits. General Exclusions Applicable to All Sections We will not cover losses, pay or reimburse any costs, under any section of this Policy which are recoverable from any other source, or arising from:

circumstances when after you made your Relevant Travel Purchase , you start a Trip against the following advice: i. for an Overseas Return Trip : the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to. Please refer to who int , smartraveller gov au , dfat gov au or other government sites for further information. This exclusion applies even if you have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel; ii. for a Domestic Return Trip : an Australian State or Territory Government or government agency have issued an official written statement advising you not to travel to your

70 destination, or that borders are closed for the destination you have planned to travel to. This exclusion applies even if you have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel; iii. when a Doctor has deemed you unfit to travel; 2. any Pre-Existing Medical Conditions (except under Section F

Resumption of Long Overseas Trip Cover, 2 – Returning to Australia for a Close Relative with a Pre-Existing Medical Condition );

you , a Travelling Companion or Close Relative’s Terminal Illness which was diagnosed before you made your Relevant Travel Purchase ;
where you : (a) are 80 years of age or older when you make your Relevant Travel Purchase ; and/or (b) have not started and ended your Trip from Australia ; and/or (c) are not a Resident of Australia ;
any Trip undertaken by a Spouse or Dependent Child who is not travelling with the Card Member or Additional Card Member on each part of the Trip ;
circumstances where you are unfit to travel if you knew, or a reasonable person in your circumstances would have known, that you were unfit to travel whether or not you had sought medical advice;
a Domestic Return Trip where you do not stay at the destination for at least 1 night and/or that is less than 150-kilometre radius from your Home ;
you or any other person having a change of mind and deciding not to start a Trip , continue with the Trip or any other disinclination to travel;
any One-Way Trip where you are unable to provide reasonable evidence of your intention to return to your Home or your Work . Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates;
being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%;
taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and Doctors’ advice but is not for the Treatment of addiction to illegal drugs;
the consumption of alcohol in combination with any drug or medication;
your intentionally self-inflicted Injury , suicide, self-destruction or any attempt thereof;

71 14. your participation, involvement or taking part in Excluded Sports and Activities while on a Trip ; 15. any unlawful, reckless misconduct or wilful or malicious act committed by you ; 16. participation in a sporting Event where any participant receives, or is eligible to receive, an appearance fee, wage, salary or prize Money in excess of $1,000. Participation includes training for, coaching or otherwise competing in that sporting Event ; 17. travel into hazardous work sites (e.g. underwater, mines, construction sites, oilrigs, etc.); 18. any costs with respect to Cuba or a person, entities, groups, corporate specified on a list who are subject to trade or economic sanctions or other such similar laws or regulations of the United States of America, Australia , United Nations, European Union or United Kingdom or which if reimbursed or paid by us would result in us being in breach of trade or economic sanctions or other such similar laws or regulations; 19. declared or undeclared War or any act thereof. War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not. Civil war includes armed opposition between two or more parties belonging to the same country where the opposing parties are different ethnic, religious, or idealistic groups; 20. service in the military, naval or air service of any country except Australia where cover applies for Cancellation, Curtailment or Trip Change under Section A – Trip Cancellation and Amendment Cover (specified Event number 4); 21. participation in any military, police or fire-fighting activity; 22. activities undertaken as an operator or crew member of any transport provider; 23. flying in military aircraft or any aircraft which requires special permits or waivers; 24. air travel for a business purpose on a Non-Scheduled Flight ; 25. commission of or attempt to commit an illegal act by or on behalf of you or your beneficiaries. This exclusion does not apply to any Covered Person who is not the perpetrator of any such illegal act, or who did not know of or condone any such act; 26. direct or indirect, actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination; 27. the refusal, failure or inability of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency

72 of any person, company or organisation they deal with; 28. an act of Terrorism except for when such Event occurs in Section B – Overseas Medical Emergency Expenses Cover or Section I – Hijack Cover of this Policy ; 29. any loss of enjoyment or any financial loss not specifically covered within this Policy ; 30. any loss which is recoverable by compensation under any other workers compensation act, transport accident laws or any other similar legislation or by Government sponsored fund, plan, medical benefit scheme required to be affected by or under a law; 31. an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these. However this exclusion does not apply to COVID-19 ; 32. any costs in relation to you being required to be quarantined except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine; 33. you are riding a motorcycle: (a) without wearing a helmet (either as the driver or a passenger); (b) as a driver without being licensed in both Australia and the country of travel to drive such a motorcycle; or (c) whilst you are racing or participating in a professional capacity or motocross; 34. pregnancy in the following circumstances: (a) for any costs arising from or relating to your pregnancy after the end of the 23rd week of your pregnancy, which is calculated from the last known date of your menstrual period or calculated from staging ultrasound and is not otherwise excluded within this Policy ; (b) for any costs under Section B – Overseas Medical Emergency Expenses Cover arising from childbirth or the health of a newborn child. This exclusion applies irrespective of the stage of pregnancy at which the child is born. A newborn (whether premature or otherwise) is not considered a Covered Person under the Policy if the child was born on the Trip ; (c) for any costs under Section B – Overseas Medical Emergency Expenses Cover arising from or relating to an abortion, unless this is to save life of the mother following an Injury or Illness ; (d) for any costs under Section B – Overseas Medical Emergency Expenses Cover arising from fertility Treatment or Treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF).

73 How do I make a claim? Overseas emergency – Call Chubb Assistance on +61 2 8907 5666 . If you are admitted to a hospital or you incur costs and expenses covered under Section B, you must advise Chubb Assistance as soon as practically possible. Approvals are required for all costs and expenses or for any Repatriation . Non-emergency – Making a claim is quick and easy: in 4 steps you can submit your claim online by visiting the Chubb Claims Centre www chubbclaims com au . What will I need to submit a claim online? You (or your representative) will need to provide:

the Group Policy Number 09NACCITQB (also shown in the General Terms and Conditions), which enables us to verify your Policy details.
your email address.
your contact information, which allows us to give you real-time updates on your claim status or contact you for additional information.
supporting documents. The documents reasonably required vary based on claim type, but may include any relevant: – receipts or other proof of expenses; – proof of earnings that are being claimed; – reports that have been obtained from the police, accommodation provider or transport provider (including an airline) about the loss, theft or damage; – photographs or quotes. Please attach these to your online submission to expedite assessment; – additional evidence that we may reasonably request to enable us to assess your claim; and – intended payee information, which allows us to quickly make approved payments. Costs incurred by you in getting any documents for us to assess your claim are payable by you . What should I do before I submit a claim?
take reasonable steps to mitigate any further losses or unreasonable and unnecessary expenses, including notifying Chubb Assistance as soon as practically possible, if you are admitted to hospital or you anticipate medical or additional accommodation or travel expenses.
claims for loss, theft or criminal damage must, unless not reasonably possible, be reported to the local police and a written report obtained of the incident occurring. If it is not reasonably practical to obtain a written report, you must provide reasonable evidence in support of why a report cannot be obtained, such as emails, call logs to the local police demonstrating your attempt to obtain the report.

74 When should I notify Chubb of my claim? You should notify us as soon as reasonably practicable of an Event which is likely to give rise to a claim under this Policy . Will I need to undertake a medical examination? If required and to enable us to confirm if some of the benefits sections within the Policy respond or continue to respond to an Event , we may need to arrange for you to undertake a medical examination at our expense when and as often as we may reasonably require . We may also arrange an autopsy if we reasonably require one. Can I claim under this Policy if I can claim for the same expense under another insurance Policy , e g my private health insurance? If you submit your claim under this Policy , you must inform us if you have already made a claim under any other insurance policies or tell us if you have any insurance policies in place which might respond to your loss. As a general rule, the amount you can recover for your costs under this Policy or any other policies cannot exceed your costs. Where permissible by law, if other valid and collectible insurance is available to any Covered Person for loss also covered by this Policy , other than a policy that is specifically written to apply in excess of this Policy , the insurance afforded by this Policy shall apply in excess of and shall not contribute with such other insurance. Can I claim expenses that I have incurred in obtaining evidence to submit with my claim? No, expenses incurred by you in obtaining evidence for us to assess your claim cannot be claimed as an expense under this Policy . These expenses are payable by you . Can I admit liability if an Event occurs which may give rise to a claim? No, you (or your legal representative) should not make any offer, promise of payment or admit any liability without written consent from us . You should request the claim against you be put in writing. Do I need to help Chubb make recoveries for any amounts paid under the Policy ? Yes, you may need to help us to make recoveries of any amounts that we pay you under your Policy. We have the right to sue under any other party in your name to recover Money payable or paid under the Policy , or to choose to defend any action brought against you . You must provide reasonable assistance to us in this regard. How long will it take for my claim to be assessed? Once we have all relevant information, we will decide your claim and inform you of our decision and reasoning within 10 business days. If we are unable to make a decision within that time, we will explain why . We will not take more than 4 months from receiving your claim to make a claim decision unless there are special circumstances. Special circumstances

75 that may delay our claim decision by up to 12 months include where: (a) your claim is fraudulent, or we reasonably suspect it is fraudulent; (b) you do not respond to us ; or (c) we have difficulty communicating with you about your claim that is beyond our control. If my claim is approved, how long will it take for me to receive payment? Once we have approved your claim, if there is an associated payment due to you , we will issue the payment within 5 business days. If I die, will my estate be able to claim under the Policy ? Yes, if your Policy provides cover in the event of your death, your estate will be able to make a claim under the Policy . I don’t have internet access/ an email address to submit my claim online; can I still submit a claim? Yes, however this may increase the time taken to assess your claim. You can call us on 1800 055 268 to request a claim form to be mailed out to you which can then be mailed back to us . Hours of operation: 8:30am to 5:00pm Monday to Friday. Complaints and Dispute Resolution We understand that you could be dissatisfied with our organisation, our products and services, or the complaints handling process itself . We take all our customer’s concerns seriously and have detailed below the complaints process that you can access. Complaints and Customer Resolution Service Contact Details If you are dissatisfied with any aspect of your relationship with Chubb including our products or services and wish to make a complaint, please contact our Complaints and Customer Resolution Service ( CCR Service ) by post, phone, fax, or email, (as below): Complaints and Customer Resolution Service Chubb Insurance Australia Limited GPO Box 4065 Sydney NSW 2001 P +61 2 9335 3200 F +61 2 9335 3411 E complaints AU@chubb com Our CCR Service is committed to reviewing complaints objectively, fairly and efficiently. Process Please provide us with your claim or Policy number (if applicable) and as much information as you can about the reason for your complaint. Our response We will acknowledge receipt of your complaint within one (1) business day of receiving it from you , or as soon as practicable. Following acknowledgement, within two (2) business days we will provide you with the name and relevant contact details of the CCR Service team member who will be assigned to liaise with you regarding your complaint.

76 We will investigate your complaint and keep you informed of the progress of our investigation at least every ten (10) business days and will make a decision in relation to your complaint in writing within thirty (30) calendar days. If we are unable to make this decision within this timeframe, we will provide you with a reason for the delay and advise of your right to take your complaint to the Australian Financial Complaints Authority ( AFCA ) as detailed below, subject to its Rules. If your complaint falls outside the AFCA Rules, you can seek independent legal advice or access any other external dispute resolution options that may be available to you . To the extent allowable at law, if you request copies of the information we relied on to make a decision about your complaint, we must provide it within ten (10) business days of your request. Please see the General Insurance Code of Practice 2020 ( codeofpractice com au ) or contact us for further details. Please note that if we have resolved your complaint to your satisfaction by the end of the fifth (5th) business day after we have received it, and you have not requested that we provide you a response in writing, we are not required to provide a written response. However, this exemption does not apply to complaints regarding a declined claim, the value of a claim, or about financial hardship. External Dispute Resolution If you are dissatisfied with our complaint determination, or we are unable to resolve your complaint to your satisfaction within thirty (30) days, you may refer your complaint to AFCA, subject to its Rules. AFCA is an independent external dispute resolution scheme approved by the Australian Securities and Investments Commission ( ASIC ) . We are a member of this scheme and we agree to be bound by its determinations about a dispute. AFCA provides fair and independent financial services complaint resolution that is free to consumers. You may contact AFCA at any time at: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 P 1800 931 678 (free call) F +61 3 9613 6399 E info@afca org au W www afca org au Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. Financial Claims Scheme We are an insurance company authorised under the Insurance Act 1973 (Cth) ( Insurance Act ) to carry on general insurance business in Australia by the Australian Prudential Regulation Authority ( APRA ) and are subject to the prudential requirements of the Insurance Act. The Insurance Act is designed to ensure that, under all reasonable circumstances, financial promises made by us are met within a stable, efficient and competitive financial system.

77 Because of this we are exempted from the requirement to meet the compensation arrangements Australian financial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of the Corporations Act 2001 (Cth) . We have compensation arrangements in place that are in accordance with the Insurance Act. In the unlikely event that we were to become insolvent and were unable to meet our obligations under the Policy , a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the Scheme is subject to eligibility criteria. Please refer to https://www fcs gov au for more information. Chubb Privacy Statement In this Statement, we , our and us means Chubb Insurance Australia Limited ( Chubb ). You and your refers to our customers and prospective customers as well as those who use our Website. This Statement is a summary of our Privacy Policy and provides an overview of how we collect, disclose and handle your Personal Information . Our Privacy Policy may change from time-to-time and where this occurs, the updated Privacy Policy will be posted to our website. Chubb is committed to protecting your privacy. Chubb collects, uses and retains your Personal Information in accordance with the requirement of the Privacy Act 1988 (Cth) and the Australian Privacy Principles ( APPs ), as amended or replaced from time-to- time. Why we collect your Personal Information The primary purpose for our collection and use of your Personal Information is to enable us to provide insurance services to you . Sometimes, we may use your Personal Information for our marketing campaigns and research, in relation to new products, services or information that may be of interest to you . How we obtain your Personal Information We collect your Personal Information (which may include sensitive information) at various points including, but not limited to, when you are applying for, changing or renewing an insurance policy with us or when we are processing a claim. Personal Information is usually obtained directly from you , but sometimes via a third party such an insurance intermediary or your employer (e.g. in the case of a group insurance Policy ). Please refer to our Privacy Policy for further details. When information is provided to us via a third party we use that information on the basis that you have consented or would reasonably expect us to collect your Personal Information in this way . We take reasonable steps to ensure that you have been made aware of how we handle your Personal Information. When do we disclose your Personal Information? We may disclose the information we collect to third parties, including: – the policyholder (where the insured person is not the policyholder, i.e. group policies);

78 – service providers engaged by us to carry out certain business activities on our behalf (such as claims assessors, call centres in Australia , online marketing agency, etc.); – intermediaries and service providers engaged by you (such as current or previous brokers, travel agencies and airlines); – government agencies (where we are required to by law); – other entities within the Chubb group of companies such as the regional head offices of Chubb located in Singapore, UK or USA ( Chubb Group of Companies); and – third parties with whom we (or the Chubb Group of Companies) have sub-contracted to provide a specific service for us , which may be located outside of Australia (such as in the Philippines or USA). These entities and their locations may change from time-to-time. Please contact us , if you would like a full list of the countries in which these third parties are located. In the circumstances where we disclose your Personal Information to the Chubb Group of Companies, third parties or third parties outside Australia we take steps to protect Personal Information against unauthorised disclosure, misuse or loss. Your decision to provide your Personal Information In dealing with us , you agree to provide us with your Personal Information, which will be stored, used and disclosed by us as set out in this Privacy Statement and our Privacy Policy. Access to and correction of your Personal Information Please contact our customer relations team on 1800 815 675 or email CustomerService AUNZ@chubb com if you would like: – a copy of our Privacy Policy, or – to cease to receive marketing offers from us or persons with whom we have an association. To request access to, update or correct your Personal Information held by Chubb , please complete this Personal Information request form and return to: Email: CustomerService AUNZ@ chubb com Fax: +61 2 9335 3467 Address: GPO Box 4907 Sydney NSW 2001 Further information request If you would like more information about how we manage your Personal Information, please review our Privacy Policy for more details, or contact: Privacy Officer Chubb Insurance Australia Limited GPO Box 4907 Sydney NSW 2001 +61 2 9335 3200 Privacy AU@chubb com How to Make a Complaint If you are not satisfied with our organisation, services, our response to your enquiry, or you have any concerns about our treatment of your Personal Information or you believe there has been a breach of our Privacy Policy, or you are not satisfied with any aspect of your relationship with Chubb and wish to make a complaint, please

79 contact our Complaints and Customer Resolution Service ( CCR Service ) by post, phone, fax, or email (as below): Complaints and Customer Resolution Service Chubb Insurance Australia Limited GPO Box 4065 Sydney NSW 2001 P +61 2 9335 3200 F +61 2 9335 3411 E complaints AU@chubb com For more information, please read our Complaints and Customer Resolution policy. General Insurance Code of Practice We are a signatory to the General Insurance Code of Practice (Code). The objectives of the Code are to further raise standards of service and promote consumer confidence in the general insurance industry. Further information about the Code and your rights under it is available at codeofpractice com au and on request. As a signatory to the Code, we are bound to comply with its terms. As part of our obligations under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship Policy (Part 10). The Code is monitored and enforced by the Code Governance Committee. Sanctions This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of the Policy remain unchanged. Chubb is a subsidiary of a US company and Chubb Limited, a NYSE listed company. Consequently, Chubb is subject to certain US laws and regulations (in addition to EU, UN and national sanctions restrictions) which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea and Cuba.

Source: https://www.qantasmoney.com/assets/legals/qmoney/help/forms/QantasMoneyCreditCardDirectDebitAutoPay.pdf

Qantas Money Credit Cards Direct Debit (Autopay) Request and Service Agreement National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901.

About this Application Form We’re all about making things easier. So how about taking the worry out of your payments by setting up a Direct Debit? All you need to do is nominate a bank account and select your payment option and we’ll set up your monthly payments. Simply complete this Direct Debit (Autopay) Request form in full in black or blue pen using CAPITAL LETTERS and  where appropriate, then: • Email it to credit.card.maintenance@creditcards.qantasmoney.com (with “Direct Debit Request” in the subject line), or • Post it to Qantas Money Credit Cards, GPO Box 9992, Melbourne VIC 3001. Your Direct Debit will be set up within 3-5 business days. Payment Options Your account number Your account number is NOT your card number; you can find your account number on your statement. Total Minimum Payment Due Total Minimum Payment Due shown on your statement (which is the Minimum Payment Due plus any Overdue or Overlimit Amount) will be withdrawn on your statement due date. If you have made any payments prior to the due date, Autopay will still debit the Total Minimum Payment Due amount. For example, if your Total Minimum Payment Due is $100 and you pay $50 before the due date, Autopay will withdraw $100 on the due date. The only exception to this is if the extra payments you make cause the remaining Closing Balance owing on the due date to be less than the Total Minimum Payment Due amount. If this occurs, we’ll only withdraw the remaining Closing Balance. Fixed Payment of $ This amount must be $25.00 or more. We will debit the fixed amount that you enter above or the Total Minimum Payment Due, whichever is greater. If you have made any payments prior to the due date, Autopay will still debit the Fixed Payment amount. For example, if your Fixed payment amount is $100 and you pay $50 before the due date, Autopay will withdraw $100 on the due date. The only exception to this is if the extra payments you make cause the remaining Closing Balance owing on the due date to be less than Fixed Payment amount. If this occurs, we’ll only withdraw the remaining Closing Balance. Full Payment (Closing Balance or Interest Free Days Payment) This will debit the Closing Balance or the Interest Free Days Payment if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to reduce Balance Transfer amounts, you’ll need to make extra payments. If you have made any payments prior to the due date, Autopay will still debit the Interest Free Days Payment. For example, if your Interest Free Days Payment is $100 and you pay $50 before the due date, Autopay will withdraw $100 on the due date. The only exception to this is if the extra payments you make cause the remaining Closing Balance owing on the due date to be less than Interest Free Days Payment or last statement closing balance. If this occurs, we’ll only withdraw the remaining Closing Balance. Please select one of the payment options proposed above. If no option is selected, we will not be able to process your request. Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring your account into credit.

Direct Debit Request First name Last name Mobile phone Home phone You must be the account holder of the nominated account from which you would like to make your credit card repayment, or you must be authorised to operate the account without the authority of any other person. Name of the account holder/s BSB Account number Financial Institution name By signing this form, I/we authorise funds to be debited from my/our account through the Bulk Electronic Clearing System Framework by National Australia Bank Limited (ABN 12 004 044 937) (ID 658408) in accordance with the terms described in the Direct Debit Request Service Agreement provided. Signature of the account holder(s) whose account will be debited: Print name Signature Date Print name Signature Date If a joint account, signatures of all account holders are required.

Direct Debit (Autopay) Request Service Agreement This is your Direct Debit Request Service Agreement with National Australia Bank Limited or “NAB” (ABN 12 004 044 937) (User ID 658408). This agreement explains what your obligations are under this Direct Debit arrangement. It also details what our obligations are to you as your Direct Debit provider. Please keep this agreement for your future reference. It forms part of the Terms and Conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation. Definitions account means the account held at your financial institution from which we are authorised to arrange for funds to be debited. agreement means this Direct Debit Request Service Agreement between you and us . business day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia. debit day means the day that payment by you to us is due. debit payment means a particular transaction where a debit is made. Direct Debit Request means the direct debit request between us and you . us or we means National Australia Bank Limited (ABN 12 004 044 937) (User ID 658408). you means the customer who has signed or authorised by other means the Direct Debit Request . your financial institution means the financial institution nominated by you on the DDR at which the account is maintained.

Debiting your account 1.1 By signing a Direct Debit Request or by providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your account . You should refer to the Direct Debit Request and this agreement for the terms of the arrangement between us and you . 1.2 We will only arrange for funds to be debited from your account , (a) as authorised in the Direct Debit Request ; or (b) if we have sent you a billing advice which specifies the amount payable by you to us and when it is due. 1.3 If the debit day falls on a day that is not a business day , we may direct your financial institution to debit your account on the following business day . If you are unsure about which day your account has or will be debited, you should ask your financial institution .
Amendments made by us 2.1 We may vary any details of this agreement or a Direct Debit Request at any time by giving you at least thirty (30) days written notice.
Amendments made by you 3.1 You may suspend, cancel, change, stop or defer a debit payment , or terminate this agreement , by providing us with at least seven days notification by writing to: Qantas Money Credit Card GPO Box 9992 Melbourne VIC 3001 or arranging it through your financial institution , which is required to act promptly on your instructions.
Your obligations 4.1 It’s your responsibility to ensure that: (a) There are sufficient clear funds available in your account on the Payment Due Date to allow a debit payment to be made in accordance with the Direct Debit Request . (b) You notify us if the nominated account is transferred or closed. (c) You pay our Payment Due by an alternative method if the direct debit arrangements are cancelled either by you or us . (d) Your payments are up to date, whether a notice is received from us or not. (e) The authorisation given to debit the nominated account is identical to the account signing instruction held by the financial institution where the account is held. 4.2 If there are insufficient clear funds in your account to meet a debit payment : (a) You may be charged a fee and/or interest by your financial institution . (b) You may also incur fees or charges imposed or incurred by us . (c) You must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment . 4.3 You should check your account statement to verify that the amounts debited from your account are correct. 4.4 If your Direct Debit Request is dishonoured, you must make a manual payment of the amount required.

4.5 We may deduct the previous period’s payment together with the current amount due if the previous deduction was dishonoured due to insufficient funds at the time of drawing and you have not made a manual payment. 5. Other important information you should know 5.1 All enquiries and requests for payment changes should be directed to us . All disputes or cancellations should be directed to us or your financial institution . 5.2 We will initiate debits to your nominated financial institution account in accordance with the instructions on the Direct Debit Request form, which will be held by us . 5.3 Deductions made under the authority of this Direct Debit Request will appear as payments on your account statement. 5.4 Your nominated account will automatically be debited the amount you specify on the Payment Due Date on your Statement. 6. Dispute 6.1 If you believe that there has been an error in debiting your account, you should notify us directly on 1300 992 700 as soon as possible so that we can resolve your query promptly. Alternatively, you can directly contact your financial institution . 6.2 lf we conclude as a result of our investigations that your account has been incorrectly debited, we will respond to your query by arranging for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted. 6.3 If we conclude as a result of our investigations that your account has not been incorrectly debited, we will respond to your query by providing you with reasons and any evidence for this finding in writing. 7. Accounts 7.1 You should check the following: (a) Contact your financial institution to confirm whether direct debiting through BECS is available from your account as direct debiting is not available on all accounts offered by financial institutions. (b) Make sure the account details you provide us are correct by checking them against a recent account statement. (c) Contact your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request . 8. Confidentiality 8.1 We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any information we have about you secure. We will also ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction, or disclosure of that information. 8.2 We will only disclose information that we have about you : (a) to the extent specifically required by law; or (b) for the purposes of this agreement (including disclosing information in connection with any query or claim). 9. Notice 9.1 If you wish to notify us in writing about anything relating to this agreement , you should write to: Qantas Money Credit Card GPO Box 9992 Melbourne VIC 3001 9.2 We will notify you by writing to you at your last known address (including electronically). 9.3 Any notice sent to you by post will be deemed to have been received on the date it would have been delivered in the ordinary course of post; and any notice sent to you electronically will be deemed to have been received when the notice is capable of being viewed on your computer, whether it is read or not. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901. QCC17996_(0625)

Source: https://www.qantasmoney.com/credit-cards/instalment-plans

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Credit Cards

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Credit card instalment plans

Make the most out of your Qantas Money Credit Card; Instalment Plans are available to help you manage your finances, letting you lock in manageable monthly repayments at a lower interest rate over a set term.1

Types of available instalment plans

[Image: statements]Statement Instalment Plan For repayments on your terms, a Statement Instalment Plan allows you to pay off the retail balance on your current statement in manageable monthly instalments, over a set term and lower interest rate than your standard Retail Purchase Rate.1 Learn more [Image: cash back icon]Transaction Instalment Plan Select multiple purchases to convert into an instalment plan. Repay in monthly instalments at a lower interest rate than your standard Retail Purchase Rate.1 Learn more

Important Information

Instalment plan offers are subject to eligibility and only available if your account is and remains in good standing (for example - your account is not in default, suspended or closed). Your instalment plan uses part of your existing credit limit. The instalment fee or initial interest charge (whichever is applicable) will be charged on the first statement after the instalment plan is set up and will be included in the minimum payment due. Your monthly instalment will be included in the minimum payment due on each subsequent statement until your instalment plan is repaid. As you pay off your instalment plan, the amount you pay off will become available for you to use again as part of your credit limit and will incur interest at the standard annual percentage rates applicable to your account. For the full terms and conditions of your instalment plan, please refer to Section 5 of the Qantas Money Credit Card Terms and Conditions. If you fail to pay an instalment amount by the due date, you’ll be charged interest on the overdue instalment amount at the retail purchase rate. The interest charged will be added to the minimum payment due on your next statement. The Credit Card Terms and Conditions explain the meaning of overdue instalment amount and how interest is calculated and charged on this amount. We may also cancel your instalment plan. We will tell you if an instalment amount is overdue before we cancel the instalment plan. If your instalment plan is cancelled, the outstanding balance of your statement instalment plan and transaction instalment plan will revert to the retail purchase rate.

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Source: https://www.qantasmoney.com/terms-and-forms/tmd

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Target Market Determinations

Qantas Money Home Loans

Qantas Home Loans target market determination

Effective date
Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved on or after 17 October 2025
Qantas Money Basic Home Loan Target Market Determination Qantas Money Offset Home Loan Target Market Determination Qantas Money Home Loan Offset Account Target Market Determination	Loans approved on or after 26 May 2025
Owner Occupied Home Loan Interest Only - Fixed Rate Owner Occupied Home Loan Interest Only - Variable Rate Owner Occupied Home Loan Principal and Interest - Fixed Rate Owner Occupied Home Loan Principal and Interest - Variable Rate Residential Investment Loan Interest Only - Fixed Rate Residential Investment Loan Interest Only - Variable Rate Residential Investment Loan Principal and Interest - Fixed Rate Residential Investment Loan Principal and Interest - Variable Rate	14 November 2023 - loans approved prior to 26 May 2025

Qantas Money Credit Cards

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Qantas Money Everyday target market determinations

Effective date
Current: Qantas Money Everyday Target Market Determination	28 July 2026
Historic: Qantas Money Everyday Target Market Determination	8 September 2025
Historic: Qantas Premier Everyday Target Market Determination	14 July 2025
Historic: Qantas Premier Everyday Target Market Determination	5 November 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2024
Historic: Qantas Premier Everyday Target Market Determination	11 April 2024
Historic: Qantas Premier Everyday Target Market Determination	14 July 2023
Historic: Qantas Premier Everyday Target Market Determination	1 June 2022
Historic: Qantas Premier Everyday Target Market Determination	5 October 2021

Qantas Money Platinum

Qantas Money Platinum target market determination

Effective date
Current: Qantas Money Platinum Target Market Determination	28 July 2026
Historic: Qantas Money Platinum Target Market Determination	8 September 2025
Historic: Qantas Premier Platinum Target Market Determination	14 July 2025
Historic: Qantas Premier Platinum Target Market Determination	5 November 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2024
Historic: Qantas Premier Platinum Target Market Determination	14 July 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2023
Historic: Qantas Premier Platinum Target Market Determination	1 June 2022
Historic: Qantas Premier Platinum Target Market Determination	5 October 2021

Qantas Money Titanium

Qantas Premier Titanium target market determinations

Effective date
Current: Qantas Money Titanium Target Market Determination	28 July 2026
Historic: Qantas Money Titanium Target Market Determination	8 September 2025
Historic: Qantas Premier Titanium Target Market Determination	14 July 2025
Historic: Qantas Premier Titanium Target Market Determination	5 November 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2024
Historic: Qantas Premier Titanium Target Market Determination	14 July 2023
Historic: Qantas Premier Titanium Target Market Determination	1 June 2022
Historic: Qantas Premier Titanium Target Market Determination	5 October 2021

Qantas Pay

Qantas Travel Money target market determinations

Effective date
Qantas Pay Target Market Determination	21 May 2024

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Qantas would like to acknowledge the Traditional Custodians of the local lands and waterways on which we live, work and fly. We pay our respects to Elders past and present.

Qantas Premier Titanium

Source wording changes

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Source: https://www.qantasmoney.com/credit-cards/titanium

Titanium credit card

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Source: https://www.qantasmoney.com/credit-cards/titanium/features-and-benefits

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Source: https://www.qantasmoney.com/credit-cards/titanium/fees-and-rates

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Source: https://wine.qantas.com/termsandconditions

Qantas Wine Terms and Conditions

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