# Source: https://www.qantasmoney.com/credit-cards/premier-platinum

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# Qantas Money Platinum credit card

UP TO

80k PTS

40,000 Bonus Qantas Points1

Plus an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1 

$349

Reduced first year annual fee2

0% p.a.

For 24 months on Balance Transfers, a 3% Balance Transfer fee applies. Reverts to Cash Advance Rate after 24 months.3

We can't process balances transfers from certain issuers - see our [indicative list](https://support.qantasmoney.com/apply/can-i-transfer-a-balance-from-another-credit-card)

[Apply now](https://qmcc-loyalty.money.qantas.com/start-application?product=platinum "Apply for the Qantas Money Platinum Credit Card")[Resume application](https://creditcards.money.qantas.com/apply/resume)

---

Earn up to 80,000 bonus Qantas Points. New cardholders receive 40,000 bonus Qantas Points when $5,000 or more is spent on eligible purchases within 90 days from card approval.1 Plus an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1

Jump to…

* [Benefits](#features-and-benefits)
* [Earn Rates](#earning-qantas-points)
* [Fees & Rates](#fees-rates)
* [Manage your card](#managing-repayments)
* [Helpful services](#helpful-services)
* [How to apply](#how-to-apply)

## There’s more to enjoy with Qantas Money Platinum

Your journey will feel special, even on the ground, with the Qantas Money Platinum Credit Card.

[See more features and benefits ](https://www.qantasmoney.com/credit-cards/premier-platinum/features-and-benefits)

[Complimentary Lounge Invitations4 Relax with 2 single-entry Complimentary Lounge Invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, complete with complimentary food, beverages and Wi-Fi. Learn more](https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits#two-lounge-invitations)[Discounted companion fares5 Get up to 20% off selected domestic flights for you and 8 friends, once per Anniversary Year. Book via the booking portal on your Qantas Money Credit Card account. Learn more](https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits#discounted-companion-fares)

### Reduced First Year Annual Fee2

Take advantage of a discounted $349 first year annual fee, usually $399.

[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](https://www.qantasmoney.com/digital-wallet)

### Be rewarded with uncapped points potential

There’s no limit to the number of Qantas Points you can earn – at home or overseas.6

qantas-roo

1.5 

PTS

Per whole AU$1 on International Spend6

qantas-roo

1 

PT

Per whole AU$1 on Domestic Spend (up to AU$10,000 per statement period, then 0.5 points per whole AU$1 spent thereafter)6

qantas-roo

1 

 PT

Additional point per whole AU$1 on selected Qantas products and services6

[Learn all the ways to use your points ](https://www.qantas.com/au/en/frequent-flyer/use-points.html)

## What is the annual fee?

Apply for a Qantas Money Platinum Credit Card now and save on the first year's annual fee.

__Annual fees table__
| **Primary Cardholder Annual Fee6** | $399 per year. $349 annual fee for the first 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 24 months, with a 3% Balance Transfer Fee2. Reverts to Cash Advance Rate after 24 months. |

[Learn more about fees and rates](https://www.qantasmoney.com/credit-cards/premier-platinum/fees-and-rates)

## Ways to manage your credit card repayments

[Balance Transfers 0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.3 Learn more](https://support.qantasmoney.com/balance-transfers)[Instalment Plans Our instalment plans can help you manage your finances. You can lock in manageable monthly repayments at a lower rate over a set term8 Learn more](https://www.qantasmoney.com/credit-cards/instalment-plans)

### 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.

[](https://apps.apple.com/au/app/id6496129289)[](https://play.google.com/store/apps/details?id=au.com.nab.qantasedge)

## Help is always at hand

With access to millions of Mastercard locations worldwide and your dedicated concierge11, you can count on us whether you're at home or abroad.

[Fraud protection Feel safe with the built-in protection of Mastercard Zero Liability.9 You must take care to protect your card from theft or loss, and notify us immediately if your card is lost or stolen. Learn more](https://www.mastercard.com.au/en-au/vision/who-we-are/terms-of-use/zero-liability-terms-conditions.html)[Dedicated concierge Our Qantas Money Credit Card Concierge service is just a phone call away, anytime you need assistance – from restaurant reservations to travel bookings.10 Learn more](https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits#qantas-premier-concierge-feature-row)[Frequently asked questions Find answers online to commonly asked questions about the Qantas Money Credit Card. See the most common topics and more. Learn more](https://support.qantasmoney.com/credit-card)

## Apply

**To apply for the Qantas Money Platinum credit card you must:**

* Earn a recommended minimum income of $35,000 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.

* [View the key fact sheet](https://www.qantasmoney.com/assets/legals/qmoney/documents/Key%5FFacts%5FSheet.pdf)

[Apply now](https://qmcc-loyalty.money.qantas.com/start-application?product=platinum "Apply for a Qantas Money Platinum Credit Card")

Other cards you may be interested in

[Qantas Money Everyday](https://www.qantasmoney.com/credit-cards/everyday "Qantas Money Everyday")

[Qantas Money Titanium](https://www.qantasmoney.com/credit-cards/titanium "Qantas Money Titanium")

[Compare our cards](https://www.qantasmoney.com/credit-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.

To view the respective [Target Market Determination](https://www.qantasmoney.com/terms-and-forms/tmd) (TMD) related to these products, please visit the [TMD page](https://www.qantasmoney.com/terms-and-forms/tmd).

All applications are subject to credit criteria. Fees, charges and [Terms & Conditions](https://www.qantasmoney.com/terms-and-forms) 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](https://www.mastercard.com.au/) for more information.

1. Offer commenced 10 August 2026\. To be eligible for up to 80,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Credit Card before the offer is withdrawn. 40,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from 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. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 40,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the [Qantas Money Credit Card Rewards Terms and Conditions](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FCredit%5FCard%5FRewards%5FTerms.pdf). The 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.
2. Offer commenced 8 September 2025\. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
3. Offer commenced 10 August 2026\. New Qantas Money Platinum credit 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 and the balance transfer fee, for a period of 24 months. The 24 month promotional period commences once the Balance Transfer is processed. The balance transfer fee is 3% of the balance transferred and will be added to your outstanding balance on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and the balance transfer fee, will revert to the variable Cash Advance Rate, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click [here](https://support.qantasmoney.com/balance-transfers). Offer may be varied or withdrawn at any time. We can't process balance transfers from certain issuers - see our [indicative list](https://support.qantasmoney.com/apply/can-i-transfer-a-balance-from-another-credit-card)
4. Qantas Money Platinum Primary Cardholders are entitled to 2 single-entry Complimentary Lounge Invitations per anniversary year for use at domestic Qantas Club Lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) in accordance with the [Qantas Money Platinum Credit Card Airline Benefit Terms and Conditions](https://www.qantasmoney.com/assets/legals/documents/Qantas%5FMoney%5FPlatinum%5FCredit%5FCard%5FAirline%5FBenefit%5FTerms.pdf). Access and use are subject to [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and the [Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html). 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](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges.html).
5. The Qantas Money Platinum Primary Cardholder is entitled to the Companion Fare benefit once per Anniversary Year. A discount applies on the base fares (excluding taxes, fees and carrier charges) of selected domestic flights for the primary cardholder and between one and eight others, travelling together on the same booking number, date and flight(s). The Companion Fare Benefit is not available on flights that form part of a Multi-City Flight Itinerary or Mixed-Class Flight Itineraries. 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 Qantas or QantasLink. Flights must be booked through the booking portal available via Your Online Access and must be paid for in full using the primary cardholder’s Qantas Money Platinum credit card. For full terms and conditions, see [Qantas Money Platinum Credit Card Airline Benefits Terms and Conditions](https://www.qantasmoney.com/assets/legals/documents/Qantas%5FMoney%5FPlatinum%5FCredit%5FCard%5FAirline%5FBenefit%5FTerms.pdf).
6. Earn rate for the Qantas Money Platinum credit card: 1.5 Qantas Point per whole AU$1 equivalent on International Spend; 1.0 Qantas Point per whole AU$1 on Domestic Spend up to and including AU$10,000 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$10,000 each Statement Period: plus 1 Additional Qantas Point 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](https://www.qantasmoney.com/terms-and-forms).
7. The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
8. 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). Please refer to Section 5 of the [Qantas Money Credit Card Terms and Conditions](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FCredit%5FCard%5FTerms.pdf) for the instalment plan terms and conditions.
9. Visit [Mastercard](https://www.mastercard.com.au/en-au/vision/who-we-are/terms-of-use/zero-liability-terms-conditions.html) for terms and conditions of their fraud protection policy.
10. 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](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FCredit%5FCard%5FRewards%5FTerms.pdf). Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.

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://support.qantasmoney.com/balance-transfers

[  ](https://support.qantasmoney.com/) 

* [ Back to home ⟶](https://www.qantasmoney.com/)

[  Qantas Money Credit Card ](#category-5lx2bugd7j-items) 

[  Apply ](#category-1i0raanh53-items) 

[  Who is the credit provider and issuer of Qantas Money Credit Cards? ](https://support.qantasmoney.com/apply/who-is-the-credit-provider-and-issuer-of-qantas-premier-credit-cards) [  Why choose a Qantas Money credit card? ](https://support.qantasmoney.com/apply/why-choose-a-qantas-money-credit-card) [  Can I transfer a balance from another credit card? ](https://support.qantasmoney.com/apply/can-i-transfer-a-balance-from-another-credit-card) [  Who can apply for a Qantas Money credit card? ](https://support.qantasmoney.com/apply/who-can-apply-for-a-qantas-money-credit-card) [  What’s the difference between the Qantas Money Everyday, the Qantas Money Platinum and the Qantas Money Titanium card? ](https://support.qantasmoney.com/apply/whats-the-difference-between-the-qantas-money-everyday-the-qantas-money-platinum-and-the-qantas-money-titanium-card) [  How do I remove an additional cardholder from my account? ](https://support.qantasmoney.com/apply/how-do-i-remove-an-additional-cardholder-from-my-account) [  How do I apply for a Qantas Money credit card? ](https://support.qantasmoney.com/apply/how-do-i-apply-for-a-qantas-money-credit-card) [  How long does the Qantas Money credit card application process take? ](https://support.qantasmoney.com/apply/how-long-does-the-qantas-money-credit-card-application-process-take) 

[  Features and rewards ](#category-2w3govfir8-items) 

[  Discounted Flights ](#category-4yjlaa88en-items) 

[  How many Qantas Money Titanium Base Fare discounts do I get a year? ](https://support.qantasmoney.com/discounted-flights/titanium-flight-discount) [  If I cancel my booking, am I eligible for another Qantas Money Titanium Base Fare discount this year? ](https://support.qantasmoney.com/discounted-flights/cancel-discounted-flight-booking) [  How can I change my booking made using my Qantas Money Titanium Base Fare discount? ](https://support.qantasmoney.com/discounted-flights/how-can-i-change-my-booking-made-using-my-qantas-premier-titanium-flight-discount) [  How do I book the Qantas Money Platinum Discounted Companion Fare? ](https://support.qantasmoney.com/discounted-flights/how-do-i-book-discounted-companion-fares) [  Can I book a multi-city flight using my Qantas Money Titanium Base Fare discount? ](https://support.qantasmoney.com/discounted-flights/can-i-book-a-multi-city-flight-using-my-qantas-premier-titanium-flight-discount) [  How many people can I travel with on the Platinum Companion Fare Discount? ](https://support.qantasmoney.com/discounted-flights/how-many-people-can-i-travel-with-on-the-companion-fare-discount) [  Why can't I access the Qantas Money Platinum and Titanium discounted fares booking portal? ](https://support.qantasmoney.com/discounted-flights/why-can-t-i-access-the-booking-portal) [  What if the price of a flight on the Qantas Money Platinum and Titanium discounted fares booking portal is higher than Qantas.com? ](https://support.qantasmoney.com/discounted-flights/what-if-the-price-of-a-flight-on-the-titanium-base-fare-discount-booking-portal-is-higher-than-qantas-com) [  How many times can I book the Titanium Base Fare discount? ](https://support.qantasmoney.com/discounted-flights/how-many-times-can-i-book-the-titanium-base-fare-discount) [  Are flight bookings from the Titanium Base Fare portal eligible for the Status Credit Benefit? ](https://support.qantasmoney.com/discounted-flights/are-flight-bookings-from-the-titanium-base-fare-portal-eligible-for-the-status-credit-benefit) [  How do I know if my flight is eligible for the Titanium Base Fare discount? ](https://support.qantasmoney.com/discounted-flights/how-do-i-know-if-my-flight-is-eligible-for-the-titanium-base-fare-discount) [  Which flights are eligible for the Qantas Money Platinum Companion Fare Discount? ](https://support.qantasmoney.com/discounted-flights/which-flights-are-eligible-for-the-companion-fare-discount) [  Where can I fly using the Titanium Base Fare discount? ](https://support.qantasmoney.com/discounted-flights/where-can-i-fly-using-the-titanium-base-fare-discount) [  What if the Platinum Companion Fare Discount doesn't appear when I'm booking? ](https://support.qantasmoney.com/discounted-flights/what-if-the-companion-fare-discount-doesn-t-appear-when-i-m-booking) [  How do I book a flight with a discounted base fare? ](https://support.qantasmoney.com/discounted-flights/how-do-i-book-a-flight-with-a-discounted-base-fare) [  What happens if I make a booking on the Qantas Money Platinum and Titanium discounted fares booking portal that doesn't have a discount applied? ](https://support.qantasmoney.com/discounted-flights/what-happens-if-i-make-a-booking-on-the-booking-portal-that-doesn-t-have-a-discount-applied) [  Can I use the Titanium Base Fare discount on a destination that Qantas does not fly? ](https://support.qantasmoney.com/discounted-flights/can-i-use-the-titanium-base-fare-discount-on-a-destination-that-qantas-does-not-fly) [  How many times can I book with the Platinum Companion Fare Discount? ](https://support.qantasmoney.com/discounted-flights/how-many-times-can-i-book-with-the-companion-fare-discount) [  What happens if I make a booking on the Titanium Base Fare portal that doesn’t have a discount applied? ](https://support.qantasmoney.com/discounted-flights/what-happens-if-i-make-a-booking-on-the-titanium-base-fare-portal-that-doesn-t-have-a-discount-applied) 

[  Lounge Invitations ](#category-6ww0t8wgvx-items) 

[  When will I receive my Complimentary Lounge Invitations? ](https://support.qantasmoney.com/lounge-invitations/when-will-i-receive-my-lounge-invitations) [  How do I link my Complimentary Lounge Invitations to a flight? ](https://support.qantasmoney.com/lounge-invitations/how-do-i-link-my-lounge-invitations) [  How long are my Complimentary Lounge Invitations valid for? ](https://support.qantasmoney.com/lounge-invitations/how-long-are-my-lounge-invitations-active-for) [  Where can I redeem my Complimentary Lounge Invitations? ](https://support.qantasmoney.com/lounge-invitations/where-can-i-redeem-my-lounge-invitations) [  Can I share my Complimentary Lounge Invitations with a person I’m travelling with? ](https://support.qantasmoney.com/lounge-invitations/can-i-share-my-lounge-invitations-with-a-person-im-travelling-with) 

[  Status Credits ](#category-8f2u1o9a9g-items) 

[  Do bonus Status Credits expire? ](https://support.qantasmoney.com/status-credits/do-bonus-status-credits-expire) [  How can I book a flight to earn bonus Status Credits? ](https://support.qantasmoney.com/status-credits/how-can-i-book-a-flight-to-earn-bonus-status-credits) [  How can I view the bonus Status Credits I’ve earned on my account? ](https://support.qantasmoney.com/status-credits/viewing-bonus-status-credits) [  What flights are eligible to earn bonus Status Credits? ](https://support.qantasmoney.com/status-credits/eligible-flights-for-bonus-status-credits) [  Can I earn bonus Status Credits on Classic Reward bookings? ](https://support.qantasmoney.com/status-credits/bonus-status-credits-and-classic-reward-bookings) [  Can I use Points Plus Pay to book my flights and earn bonus Status Credits? ](https://support.qantasmoney.com/status-credits/bonus-status-credits-points-plus-pay) [  Do bonus Status Credits count towards Lifetime Membership tiers? ](https://support.qantasmoney.com/status-credits/bonus-status-credits-lifetime-membership) [  How do I claim any missing bonus Status Credits? ](https://support.qantasmoney.com/status-credits/claim-any-missing-bonus-status-credits) [  Can bonus Status Credit help me acquire or maintain Platinum One membership status? ](https://support.qantasmoney.com/status-credits/bonus-status-credits-maintain-platinum-or-platinum-one) [  My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits? ](https://support.qantasmoney.com/status-credits/my-flight-was-cancelled-and-i-was-moved-to-another-flight-how-do-i-claim-my-missing-bonus-status-credits) 

[  Travel Insurance ](#category-qupgtomg9e-items) 

[  What travel insurance cover is included with my card? ](https://support.qantasmoney.com/travel-insurance/what-travel-insurance-cover-is-included-with-my-card) [  What extended level of coverage does my Qantas Money Titanium credit card provide? ](https://support.qantasmoney.com/travel-insurance/travel-insurance-extended-coverage) [  How do I make a travel insurance claim? ](https://support.qantasmoney.com/travel-insurance/make-a-travel-insurance-claim) 

[  Everyday Purchases ](#category-x01pdlnkrn-items) 

[  Where can I use my Qantas Money credit card? ](https://support.qantasmoney.com/everyday-purchases/where-can-i-use-my-qantas-money-credit-card) [  How many Qantas Points will I earn on purchases? ](https://support.qantasmoney.com/everyday-purchases/how-many-qantas-points-will-i-earn) [  When will I receive my bonus Qantas Points? ](https://support.qantasmoney.com/everyday-purchases/when-will-i-receive-my-bonus-points) [  Is there an interest-free period on my account? ](https://support.qantasmoney.com/everyday-purchases/interest-free-period) [  How can I use my Qantas Money Titanium metal card for contactless payments? ](https://support.qantasmoney.com/everyday-purchases/how-can-i-use-my-qantas-money-titanium-metal-card-for-contactless-payments) [  Which transactions will earn Qantas Points? ](https://support.qantasmoney.com/everyday-purchases/what-transactions-will-earn-qantas-points) 

[  Qantas Money Credit Card Concierge ](#category-x2z21qdylv-items) 

[  What services are provided by the Qantas Money Credit Card Concierge? ](https://support.qantasmoney.com/qantas-money-credit-card-concierge/qantas-money-concierge-services) 

[  Qantas Wine Membership ](#category-yhn68wo67b-items) 

[  How do I order from Qantas Wine? ](https://support.qantasmoney.com/qantas-wine-membership/how-do-i-order-from-qantas-wine) [  How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Money Titanium credit card? ](https://support.qantasmoney.com/qantas-wine-membership/how-do-i-sign-up-for-my-complimentary-qantas-wine-premium-membership-from-my-qantas-money-titanium-credit-card) 

[  Complimentary Travel Insurance ](#category-9ylmk39sur-items) 

[  Personal Baggage, Valuables, Money and Travel Documents ](https://support.qantasmoney.com/complimentary-travel-insurance/personal-baggage-valuables-money-and-travel-documents) [  COVID-19 ](https://support.qantasmoney.com/complimentary-travel-insurance/claims-in-relation-to-covid-19) [  Trip Cancellation and Amendment ](https://support.qantasmoney.com/complimentary-travel-insurance/trip-cancellation-and-amendment) [  Pre-existing Medical Conditions ](https://support.qantasmoney.com/complimentary-travel-insurance/pre-existing-medical-conditions) [  Other Questions ](https://support.qantasmoney.com/complimentary-travel-insurance/other-questions) [  Eligibility for Cover under the Policy ](https://support.qantasmoney.com/complimentary-travel-insurance/eligibility-for-cover-under-the-policy) [  Overseas Medical Expenses ](https://support.qantasmoney.com/complimentary-travel-insurance/overseas-medical-expenses) 

[  Rates and fees ](#category-ao8ma99qe9-items) 

[  What interest rates apply? ](https://support.qantasmoney.com/rates-and-fees/what-interest-rates-apply) [  What fees apply and when are they charged? ](https://support.qantasmoney.com/rates-and-fees/what-fees-apply-and-when-are-they-charged) 

[  Balance Transfers ](#category-hrmnssarc4-items) 

[  How can I get the most out of my Balance Transfer? ](https://support.qantasmoney.com/balance-transfers/how-can-i-get-the-most-out-of-my-balance-transfer) [  If I have Balance Transfers at different rates, which one does my credit card payments get applied to first? ](https://support.qantasmoney.com/balance-transfers/if-i-have-balance-transfers-at-different-rates-which-one-does-my-credit-card-payments-get-applied-to-first) [  What is a Balance Transfer? ](https://support.qantasmoney.com/balance-transfers/what-is-a-balance-transfer) [  What are the benefits of closing my other credit cards after a Balance Transfer? ](https://support.qantasmoney.com/balance-transfers/what-are-the-benefits-of-closing-my-other-credit-cards-after-a-balance-transfer) [  How does a Balance Transfer work? ](https://support.qantasmoney.com/balance-transfers/how-does-a-balance-transfer-work) [  How does a Balance Transfer affect the interest charged on my account? ](https://support.qantasmoney.com/balance-transfers/how-does-a-balance-transfer-affect-the-interest-charged-on-my-account) 

[  Managing your account ](#category-gjddjcomvs-items) 

[  How do I activate my card? ](https://support.qantasmoney.com/manage-your-account/how-do-i-activate-my-credit-card) [  How can I pay my credit card bill? ](https://support.qantasmoney.com/manage-your-account/pay-my-credit-card-bill) [  What is a statement? ](https://support.qantasmoney.com/manage-your-account/what-is-a-statement) [  How do I report suspicious transactions? ](https://support.qantasmoney.com/manage-your-account/report-suspicious-premier-card-tranasctions) [  How can I pay bills with my Qantas Money credit card? ](https://support.qantasmoney.com/manage-your-account/paying-bills-with-my-premier-card) [  How can I unsubscribe from marketing emails? ](https://support.qantasmoney.com/manage-your-account/how-can-i-unsubscribe-from-marketing-emails) [  What should I do if my card is lost or stolen? ](https://support.qantasmoney.com/manage-your-account/lost-stolen-premier-card) [  How are my monthly repayments calculated? ](https://support.qantasmoney.com/manage-your-account/how-are-my-monthly-repayments-calculated) [  How can I withdraw cash from my account? ](https://support.qantasmoney.com/manage-your-account/how-can-i-withdraw-cash-from-my-account) [  Can I choose my own card PIN? ](https://support.qantasmoney.com/manage-your-account/can-i-choose-my-own-card-pin) [  What format is the transactions file in? ](https://support.qantasmoney.com/manage-your-account/what-format-is-the-transactions-file-in) [  How can I manage my Qantas Money credit card account? ](https://support.qantasmoney.com/manage-your-account/how-can-i-manage-my-qantas-money-credit-card-account) [  Will my replacement card have the same card number and PIN number? ](https://support.qantasmoney.com/manage-your-account/will-my-replacement-card-have-the-same-card-number-and-pin-number) [  How do I close my account? ](https://support.qantasmoney.com/manage-your-account/how-do-i-close-my-account) [  How do I update my address or personal details? ](https://support.qantasmoney.com/manage-your-account/how-do-i-update-my-address-or-personal-details) [  How far back can I download my transactions? ](https://support.qantasmoney.com/manage-your-account/how-far-back-can-i-download-my-transactions) [  How do I download my transactions? ](https://support.qantasmoney.com/manage-your-account/how-do-i-download-my-transactions) [  How do I dispute a charge on my Qantas Money credit card? ](https://support.qantasmoney.com/manage-your-account/how-do-i-dispute-a-charge-on-my-qantas-money-credit-card) [  How are payments allocated if I have additional cardholders? ](https://support.qantasmoney.com/manage-your-account/how-are-payments-allocated-if-i-have-additional-cardholders) [  How to increase or decrease your credit limit ](https://support.qantasmoney.com/manage-your-account/how-to-increase-or-decrease-your-credit-limit) [  Cancelling a recurring payment ](https://support.qantasmoney.com/manage-your-account/cancelling-a-recurring-payment) [  How can I withdraw cash from my account? ](https://support.qantasmoney.com/manage-your-account/how-can-i-withdraw-cash-from-my-account) 

[  Apple Pay ](#category-shx85e3l8i-items) 

[  What is Apple Pay for Qantas Money Credit Cards? ](https://support.qantasmoney.com/apple-pay/what-is-apple-pay-for-qantas-money-credit-cards) [  How does the Apple Pay experience compare to using my plastic card? ](https://support.qantasmoney.com/apple-pay/how-does-the-apple-pay-experience-compare-to-using-my-plastic-card) [  Which Qantas Money credit card can be used with Apple Pay? ](https://support.qantasmoney.com/apple-pay/which-qantas-money-credit-card-can-be-used-with-apple-pay) [  What do I need before I can start using Apple Pay? ](https://support.qantasmoney.com/apple-pay/what-do-i-need-before-i-can-start-using-apple-pay) [  Which devices are compatible with Apple Pay for my Qantas Money credit card? ](https://support.qantasmoney.com/apple-pay/which-devices-are-compatible-with-apple-pay-for-my-qantas-money-credit-card) [  How do I set up my Qantas Money credit card on Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-do-i-set-up-my-qantas-money-credit-card-on-apple-pay) [  How do I set my Qantas Money credit card as the default card in Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-do-i-set-my-qantas-money-credit-card-as-the-default-card-in-apple-pay) [  Can I add the same Qantas Money credit card to more than one device using Apple Pay? ](https://support.qantasmoney.com/apple-pay/can-i-add-the-same-qantas-money-credit-card-to-more-than-one-device-using-apple-pay) [  How do I remove my Qantas Money credit card from Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-do-i-remove-my-qantas-money-credit-card-from-apple-pay) [  The Qantas Money credit card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up? ](https://support.qantasmoney.com/apple-pay/the-qantas-money-credit-card-image-i-see-in-apple-pay-does-not-match-my-physical-card-is-there-an-issue-with-my-apple-pay-set-up) [  Can I add more than one card on Apple Pay? ](https://support.qantasmoney.com/apple-pay/can-i-add-more-than-one-card-on-apple-pay) [  Where can I use Apple Pay? ](https://support.qantasmoney.com/apple-pay/where-can-i-use-apple-pay) [  How do I make an in-store purchase with Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-do-i-make-an-in-store-purchase-with-apple-pay) [  Do I need to have an active internet connection for Apple Pay to work? ](https://support.qantasmoney.com/apple-pay/do-i-need-to-have-an-active-internet-connection-for-apple-pay-to-work) [  Will I need to enter my card PIN? ](https://support.qantasmoney.com/apple-pay/will-i-need-to-enter-a-pin) [  Why was my request to add my Qantas Money credit card to Apple Pay declined? ](https://support.qantasmoney.com/apple-pay/why-was-my-request-to-add-my-qantas-money-credit-card-to-apple-pay-declined) [  How much of my credit card's available limit can I access when using Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-much-of-my-credit-card-available-limit-can-i-access-when-using-apple-pay) [  How can I reverse a transaction made using Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-can-i-reverse-a-transaction-made-using-apple-pay) [  How do I return a purchase if I used Apple Pay to make the payment? ](https://support.qantasmoney.com/apple-pay/how-do-i-return-a-purchase-if-i-used-apple-pay-to-make-the-payment) [  How can I keep track of Qantas Money credit card purchases I’ve made with Apple Pay? ](https://support.qantasmoney.com/apple-pay/20-how-can-i-keep-track-of-purchases-i-ve-made-with-apple-pay) [  How do I dispute a Qantas Money credit card purchase made with Apple Pay? ](https://support.qantasmoney.com/apple-pay/how-do-i-dispute-a-qantas-money-credit-card-purchase-made-with-apple-pay) [  Can I use Apple Pay overseas? ](https://support.qantasmoney.com/apple-pay/22-can-i-use-apple-pay-overseas) [  Can I use Apple Pay at ATMs? ](https://support.qantasmoney.com/apple-pay/23-can-i-use-apple-pay-at-atms) [  Is Apple Pay secure? ](https://support.qantasmoney.com/apple-pay/24-is-apple-pay-secure) [  What is a Device Account Number? ](https://support.qantasmoney.com/apple-pay/25-what-is-a-device-account-number) [  What should I do if the device I use to make purchases on is lost or stolen? ](https://support.qantasmoney.com/apple-pay/what-should-i-do-if-the-device-i-use-to-make-purchases-on-is-lost-or-stolen) [  Does Apple Pay have access to my credit card account? ](https://support.qantasmoney.com/apple-pay/27-does-apple-pay-have-access-to-my-credit-card-account) [  If my device is formatted or jailbroken, will my Apple Pay information remain on it? ](https://support.qantasmoney.com/apple-pay/28-if-my-device-is-formatted-or-jailbroken-will-my-apple-pay-information-remain-on-it) [  Will I continue to enjoy the features and benefits of my Qantas Money credit card, including points earn, when I use it for payment with Apple Pay? ](https://support.qantasmoney.com/apple-pay/will-i-continue-to-enjoy-the-features-and-benefits-of-my-qantas-money-credit-card-including-points-earn-when-i-use-it-for-payment-with-apple-pay) [  What should I do if I lose my card and I’m issued a replacement card? ](https://support.qantasmoney.com/apple-pay/30-what-should-i-do-if-i-lose-my-card-and-i-m-issued-a-replacement-card) [  What should I do if my card expires and I’m issued a renewed card? ](https://support.qantasmoney.com/apple-pay/31-what-should-i-do-if-my-card-expires-and-i-m-issued-a-renewed-card) [  Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay? ](https://support.qantasmoney.com/apple-pay/32-can-i-continue-to-use-my-physical-card-if-i-disable-apple-pay-or-remove-my-digital-card-from-apple-pay) [  If I switch devices, do I need to set up my card in Apple Pay all over again? ](https://support.qantasmoney.com/apple-pay/33-if-i-switch-devices-do-i-need-to-set-up-my-card-in-apple-pay-all-over-again) 

[  Google Pay ](#category-prrakp8kdz-items) 

[  If my phone is formatted or jailbroken, will my Google Pay information remain on it? ](https://support.qantasmoney.com/google-pay/if-my-phone-is-formatted-or-jailbroken-will-my-google-pay-information-remain-on-it-awaiting-answer) [  Can I use Google Pay overseas? ](https://support.qantasmoney.com/google-pay/can-i-use-google-pay-overseas) [  What is Google Pay and Wallet? ](https://support.qantasmoney.com/google-pay/what-is-google-pay-and-wallet) [  Can I add more than one card to Google Wallet? ](https://support.qantasmoney.com/google-pay/can-i-add-more-than-one-card-to-google-pay) [  How do I make a purchase using my Qantas Money credit card in apps and websites? ](https://support.qantasmoney.com/google-pay/how-do-i-make-a-purchase-using-my-qantas-money-credit-card-in-apps-and-websites-awaiting-assets) [  How much of my credit card available limit can I access when using Google Pay? ](https://support.qantasmoney.com/google-pay/how-much-of-my-credit-card-available-limit-can-i-access-when-using-google-pay) [  How do I return a Qantas Money credit card purchase if I used Google Pay to make the payment? ](https://support.qantasmoney.com/google-pay/how-do-i-return-a-qantas-money-credit-card-purchase-if-i-used-google-pay-to-make-the-payment) [  Can Additional Cardholders add their cards to Google Wallet? ](https://support.qantasmoney.com/google-pay/can-additional-cardholders-add-their-cards-on-google-pay) [  Will I need to enter my card PIN with Google Pay? ](https://support.qantasmoney.com/google-pay/will-i-need-to-enter-my-card-pin-with-google-pay) [  How can I keep track of Qantas Money credit card purchases I’ve made with Google Pay? ](https://support.qantasmoney.com/google-pay/how-can-i-keep-track-of-purchases-i-ve-made-with-google-pay) [  Can I add the same card to more than one device? ](https://support.qantasmoney.com/google-pay/can-i-add-the-same-card-to-more-than-one-device-using-google-pay) [  How do I remove my Qantas Money credit card from Google Wallet? ](https://support.qantasmoney.com/google-pay/how-do-i-remove-my-qantas-money-credit-card-from-google-wallet) [  How do I make a purchase using my Qantas Money credit card in-store? ](https://support.qantasmoney.com/google-pay/how-do-i-make-a-purchase-using-my-qantas-money-credit-card-in-store) [  Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay? ](https://support.qantasmoney.com/google-pay/can-i-continue-to-use-my-physical-card-if-i-disable-google-pay-or-remove-my-digital-card-from-google-pay) [  If I switch devices, do I need to set up my Qantas Money credit card in Google Pay again? ](https://support.qantasmoney.com/google-pay/if-i-switch-devices-do-i-need-to-set-up-my-qantas-money-credit-card-in-google-pay-again) [  How do I reverse or dispute a Google Pay transaction on my Qantas Money credit card? ](https://support.qantasmoney.com/google-pay/how-do-i-reverse-or-dispute-a-google-pay-transaction-on-my-qantas-money-credit-card) [  If my mobile device is formatted or jailbroken will my Google Pay information remain on it? ](https://support.qantasmoney.com/google-pay/if-my-mobile-device-is-formatted-or-jailbroken-will-my-google-pay-information-remain-on-it) [  Will I continue to enjoy the same features and benefits of my Qantas Money credit card, including points earn, when I use it for payment with Google Pay? ](https://support.qantasmoney.com/google-pay/will-i-continue-to-enjoy-the-same-features-and-benefits-of-my-qantas-money-credit-card-including-points-earn-when-i-use-it-for-payment-with-google-pay) [  Do I need to have an active internet connection for Google Pay to work? ](https://support.qantasmoney.com/google-pay/do-i-need-to-have-an-active-internet-connection-for-google-pay-to-work) [  Does Google Wallet or Google Pay have access to my credit card account? ](https://support.qantasmoney.com/google-pay/does-google-pay-have-access-to-my-credit-card-account) [  What happens if there are fraudulent transactions made using Google Pay? ](https://support.qantasmoney.com/google-pay/what-happens-if-there-are-fraudulent-transactions-made-using-google-pay) [  What should I do if I lose my card, or my card expires and I'm issued a replacement card? ](https://support.qantasmoney.com/google-pay/what-should-i-do-if-i-lose-my-card-or-my-card-expires-and-im-issued-a-replacement-card) [  What happens if my device is lost or stolen? ](https://support.qantasmoney.com/google-pay/what-happens-if-my-device-is-lost-or-stolen) [  Why was my request to add my Qantas Money credit card to Google Wallet declined? ](https://support.qantasmoney.com/google-pay/why-was-my-request-to-add-my-qantas-money-credit-card-to-google-wallet-declined) [  Whom can I talk to for further help with Google Pay? ](https://support.qantasmoney.com/google-pay/who-can-i-talk-to-for-further-help-with-google-pay) [  Which Qantas Money credit cards can be used with Google Pay? ](https://support.qantasmoney.com/google-pay/which-qantas-money-credit-cards-can-be-used-with-google-pay) [  How do I set my Qantas Money credit card as the default card in Google Wallet? ](https://support.qantasmoney.com/google-pay/how-do-i-set-my-qantas-money-credit-card-as-the-default-card-in-google-wallet) [  Where can I use Google Pay? ](https://support.qantasmoney.com/google-pay/where-can-i-use-google-pay-awaiting-assets) [  How do I set up Google Pay and add my Qantas Money credit card? ](https://support.qantasmoney.com/google-pay/how-do-i-set-up-google-pay-and-add-my-qantas-money-credit-card) [  Are Google Wallet and Google Pay secure? ](https://support.qantasmoney.com/google-pay/is-google-pay-secure) [  Which devices are compatible with Google Pay? ](https://support.qantasmoney.com/google-pay/which-devices-are-compatible-with-google-pay) 

[  Click to Pay ](#category-dyfbbjzzi9-items) 

[  How do I unenrol from Click to Pay? ](https://support.qantasmoney.com/click-to-pay/how-do-i-unenrol-from-click-to-pay) [  What is Click to Pay? ](https://support.qantasmoney.com/click-to-pay/what-is-click-to-pay) [  Can Click to Pay be used in store? ](https://support.qantasmoney.com/click-to-pay/can-click-to-pay-be-used-in-store) [  I have a new card, when is my card enabled for Click to Pay? ](https://support.qantasmoney.com/click-to-pay/i-have-a-new-card-when-is-my-card-enabled-for-click-to-pay) [  Where can I use Click to Pay? ](https://support.qantasmoney.com/click-to-pay/where-can-i-use-click-to-pay) [  Which cards can be used for Click to Pay? ](https://support.qantasmoney.com/click-to-pay/which-cards-can-be-used-for-click-to-pay) 

[  Instalment Plans ](#category-jiq027cp2l-items) 

[  Instalment Plan Changes - From 6 August 2025 ](https://support.qantasmoney.com/instalment-plans/instalment-plan-changes-from-6-august-2025) [  How will my repayments be applied to my card? ](https://support.qantasmoney.com/instalment-plans/how-will-repayments-be-applied-to-my-card-instalment-plan) [  How do I make the monthly instalment repayment? ](https://support.qantasmoney.com/instalment-plans/how-do-i-make-the-monthly-repayment) [  Who can create an Instalment Plan on my card? ](https://support.qantasmoney.com/instalment-plans/who-can-create-an-instalment-plan) [  What happens if I return a purchase that was converted into a Statement Instalment Plan? ](https://support.qantasmoney.com/instalment-plans/returning-a-purchase-on-an-instalment-plan) [  How can I track my instalment plan? ](https://support.qantasmoney.com/instalment-plans/tracking-my-instalment-plan) [  Can I pay more than my monthly instalment amount? ](https://support.qantasmoney.com/instalment-plans/making-additional-monthly-repayments) [  Is the instalment plan amount part of my existing credit limit? ](https://support.qantasmoney.com/instalment-plans/is-the-instalment-plan-amount-part-of-my-credit-limit) [  When will I be charged my first monthly instalment? ](https://support.qantasmoney.com/instalment-plans/when-will-i-becharged-my-first-monthly-instalment) [  Can I pay off my instalment plan early? ](https://support.qantasmoney.com/instalment-plans/paying-off-instalment-plan-early) [  Will I be able to set up a Statement Instalment Plan if I have a direct debit set up? ](https://support.qantasmoney.com/instalment-plans/instalment-plans-and-direct-debits) [  What are the different types of Instalment Plans? ](https://support.qantasmoney.com/instalment-plans/what-is-a-statement-instalment-plan) [  Will an instalment plan affect my interest-free days on my purchases? ](https://support.qantasmoney.com/instalment-plans/instalment-plan-interest-free-days) [  What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date? ](https://support.qantasmoney.com/instalment-plans/missing-initial-interest-charge-or-instalment-amount) [  Can I have more than one Instalment Plan? ](https://support.qantasmoney.com/instalment-plans/can-i-have-more-than-one-instalment-plan) [  Is there a fee to set up an instalment plan? ](https://support.qantasmoney.com/instalment-plans/is-there-a-fee-to-set-up-an-instalment-plan) 

[  Open Banking ](#category-pys9a725a7-items) 

[  What is Open Banking? ](https://support.qantasmoney.com/open-banking/what-is-open-banking) [  What information can be shared with Accredited Data Recipients (ADRs)? ](https://support.qantasmoney.com/open-banking/what-information-can-be-shared-with-accredited-data-recipients-adrs) [  How does data sharing work? ](https://support.qantasmoney.com/open-banking/how-does-data-sharing-work) [  Can any institution request access to my data? ](https://support.qantasmoney.com/open-banking/can-any-institution-request-access-to-my-data) 

[  Financial difficulty ](#category-c8wda59jir-items) 

[  What financial difficulty support can Qantas Money Credit Cards provide? ](https://support.qantasmoney.com/financial-difficulty/what-financial-difficulty-support-can-qantas-money-credit-cards-provide) [  What if I’m finding it hard to meet my Qantas Money credit card repayments? ](https://support.qantasmoney.com/financial-difficulty/what-if-im-finding-it-hard-to-meet-my-qantas-money-credit-card-repayments) 

[  Security ](#category-n4fuve1ik9-items) 

[  What do I need to be aware of to reduce the risk of scams, fraud and cyber crime? ](https://support.qantasmoney.com/card-security/what-do-i-need-to-be-aware-of-to-reduce-the-risk-of-scams-fraud-and-cyber-crime) [  How can I tell which emails are genuine? ](https://support.qantasmoney.com/card-security/how-can-i-tell-which-emails-are-genuine) [  What do I do if I receive a suspicious phone call? ](https://support.qantasmoney.com/card-security/what-do-i-do-if-i-receive-a-suspicious-phone-call) [  How is my Qantas Money credit card account protected? ](https://support.qantasmoney.com/card-security/how-is-my-qantas-money-credit-card-account-protected) [  How does Qantas Money protect my financial data? ](https://support.qantasmoney.com/card-security/how-does-qantas-money-protect-my-financial-data) [  How can I protect myself online? ](https://support.qantasmoney.com/card-security/how-can-i-protect-myself-online) [  How does Qantas Money credit cards manage financial crime and sanctions obligations? ](https://support.qantasmoney.com/card-security/how-does-qantas-money-credit-cards-manage-financial-crime-and-sanctions-obligations) 

[  Customer Support and Complaints ](#category-27paivvgce-items) 

[  Contact us ](https://support.qantasmoney.com/customersupport/contact-us) [  Accessibility and Disability Support - Qantas Money credit card ](https://support.qantasmoney.com/customersupport/accessibility-and-disability-support) [  Domestic and family violence support ](https://support.qantasmoney.com/customersupport/family-and-domestic-violence) [  How do I lodge a complaint relating to my Qantas Money Credit Card? ](https://support.qantasmoney.com/customersupport/how-do-i-lodge-a-complaint-relating-to-my-qantas-money-credit-card) [  Deceased Estates ](https://support.qantasmoney.com/customersupport/deceased-estates) 

[  Online Security Hub ](#category-0gc5mjg4o2-items) 

[  Qantas Money Credit Cards Online Security Hub ](https://support.qantasmoney.com/online-security-hub/qantas-money-credit-cards-online-security-hub) 

[  Customer Remediation ](#category-83o6l9n4ex-items) 

[  Customer Remediation ](https://support.qantasmoney.com/customer-remediation/customer-remediation) 

[  Qantas Money Credit Cards App ](#category-apddi7e2jd-items) 

[  How do I log in to the Qantas Money Credit Cards App and Online? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-do-i-log-in-to-the-qantas-money-credit-cards-app-and-online) [  What is a One Time PIN (OTP)? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/what-is-a-one-time-pin-otp) [  What should I do if I don't receive an OTP? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/what-should-i-do-if-i-don-t-receive-an-otp) [  How do I view my Qantas Points balance? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-can-i-view-my-qantas-points-balance) [  What if I notice a suspicious transaction? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/what-if-i-notice-a-suspicious-transaction) [  Missing Qantas Points - Qantas Money credit card ](https://support.qantasmoney.com/qantas-money-credit-cards-app/missing-qantas-points-qantas-money-credit-card) [  How do I update my Qantas Money Credit Card contact details? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-do-i-update-my-qantas-money-credit-card-contact-details) [  How to update my Qantas Money Credit Cards App? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-to-update-my-qantas-money-credit-cards-app) [  How can I use my Qantas Points from my Qantas Money credit card? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-can-i-use-my-qantas-points-from-my-qantas-money-credit-card) [  How do I get an OTP while I’m overseas? ](https://support.qantasmoney.com/qantas-money-credit-cards-app/how-do-i-get-an-otp-while-i-m-overseas) 

[  Extra support when you need it ](#category-g8eqwmt2m5-items) 

[  Extra Support for Qantas Money credit cardholders ](https://support.qantasmoney.com/extra-support-when-you-need-it/extra-support-for-qantas-money-credit-cardholders) [  Qantas Money Credit Cards Customer Care Kit ](https://support.qantasmoney.com/extra-support-when-you-need-it/qantas-money-credit-cards-customer-care-kit) [  Support for domestic and family violence ](https://support.qantasmoney.com/extra-support-when-you-need-it/support-for-domestic-and-family-violence) [  Financial Abuse and Elder Financial Abuse ](https://support.qantasmoney.com/extra-support-when-you-need-it/support-for-financial-abuse-and-elder-financial-abuse) [  Letter of Authority ](https://support.qantasmoney.com/extra-support-when-you-need-it/letter-of-authority) 

[  Recycled Material of your Qantas Money Credit Card ](#category-pborb48iup-items) 

[  When will I receive a card made using recycled plastic? ](https://support.qantasmoney.com/recycled-material-of-your-qantas-money-credit-card/when-will-i-receive-a-card-made-using-recycled-plastic) [  Can my card be recycled? ](https://support.qantasmoney.com/recycled-material-of-your-qantas-money-credit-card/can-my-card-be-recycled) [  How do you make sure the plastic used in the cards is recycled? ](https://support.qantasmoney.com/recycled-material-of-your-qantas-money-credit-card/how-do-you-make-sure-the-plastic-used-in-the-cards-is-recycled) [  Is my whole card made from recycled materials? ​ ](https://support.qantasmoney.com/recycled-material-of-your-qantas-money-credit-card/is-my-whole-card-made-from-recycled-materials) 

[  Customer Due Diligence ](#category-wfhdtiiaob-items) 

[  Customer Due Diligence ](https://support.qantasmoney.com/customer-due-diligence/customer-due-diligence-updating-your-personal-information) 

[  Qantas Pay ](#category-w3ppnjtgl4-items) 

[  Changes to Qantas Travel Money ](#category-6lgdt3ftes-items) 

[  Why did Qantas Travel Money change to Qantas Pay? ](https://support.qantasmoney.com/chages-to-qantas-pay/why-is-qantas-travel-money-changing-to-qantas-pay) [  Does my existing Qantas Travel Money card still work? ](https://support.qantasmoney.com/chages-to-qantas-pay/does-my-existing-qantas-travel-money-card-still-work) [  How do I join and get a Qantas Pay card? ](https://support.qantasmoney.com/chages-to-qantas-pay/how-do-i-join-and-get-a-qantas-pay-card) [  Will I still earn points with Qantas Pay? ](https://support.qantasmoney.com/chages-to-qantas-pay/will-i-still-earn-points-with-qantas-pay) [  Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card? ](https://support.qantasmoney.com/chages-to-qantas-pay/can-i-use-my-qantas-travel-money-card-as-my-qantas-frequent-flyer-membership-card) [  Can I activate my Qantas Travel Money card for the first time ](https://support.qantasmoney.com/chages-to-qantas-pay/can-i-activate-my-qantas-travel-money-card-for-the-first-time) [  What is changing for the Qantas Frequent Flyer membership card? ](https://support.qantasmoney.com/chages-to-qantas-pay/what-is-changing-for-the-qantas-frequent-flyer-membership-card) [  How can I access my Qantas Frequent Flyer number? ](https://support.qantasmoney.com/chages-to-qantas-pay/how-can-i-access-my-qantas-frequent-flyer-number) [  How can I access and set my Qantas Pay card PIN? ](https://support.qantasmoney.com/chages-to-qantas-pay/how-can-i-access-my-qantas-pay-card-pin) [  Does Qantas Pay have a digital card? ](https://support.qantasmoney.com/chages-to-qantas-pay/does-qantas-pay-have-a-digital-card) [  Can I schedule recurring currency loads from my nominated bank? ](https://support.qantasmoney.com/chages-to-qantas-pay/can-i-schedule-recurring-currency-loads-from-my-nominated-bank) 

[  General information ](#category-x190351e45-items) 

[  Apply and activate ](#category-8j4bytpkt1-items) 

[  How do I sign up for Qantas Pay ](https://support.qantasmoney.com/apply-for-qantas-pay/how-do-i-sign-up-for-qantas-pay) [  How do I activate my Qantas Pay card? ](https://support.qantasmoney.com/apply-for-qantas-pay/how-do-i-activate-my-qantas-pay-card) [  Will a credit check be conducted when I sign up for Qantas Pay? ](https://support.qantasmoney.com/apply-for-qantas-pay/will-a-credit-check-be-conducted-when-i-sign-up-for-qantas-pay) [  Can I sign up for Qantas Pay if I have a foreign passport? ](https://support.qantasmoney.com/apply-for-qantas-pay/can-i-sign-up-for-qantas-pay-if-i-have-a-foreign-passport) [  How do I use Qantas Pay? ](https://support.qantasmoney.com/apply-for-qantas-pay/how-do-i-use-qantas-pay) [  What if the details on the Qantas Pay identity verification form are incorrect? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-if-the-details-on-the-qantas-pay-identity-verification-form-are-incorrect) [  What if I don’t have an Australian Passport or an Australian Driver’s Licence? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-if-i-don-t-have-an-australian-passport-or-an-australian-driver-s-licence) [  What do I do if I’m unable to sign up for Qantas Pay online? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-do-i-do-if-i-m-unable-to-sign-up-for-qantas-pay-online) [  Can I sign up without a camera on my device? ](https://support.qantasmoney.com/apply-for-qantas-pay/can-i-sign-up-without-a-camera-on-my-device) [  Do I need to print the ID verification form or can I complete it online? ](https://support.qantasmoney.com/apply-for-qantas-pay/do-i-need-to-print-the-id-verification-form-or-can-i-complete-it-online) [  Where can I view the relevant privacy policies for Qantas Pay? ](https://support.qantasmoney.com/apply-for-qantas-pay/where-can-i-view-the-relevant-privacy-policies-for-qantas-pay) [  What if I only have a foreign passport? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-if-i-only-have-a-foreign-passport) [  Why do I need to take a selfie? ](https://support.qantasmoney.com/apply-for-qantas-pay/why-do-i-need-to-take-a-selfie) [  Why does Qantas Pay need to verify my identity? ](https://support.qantasmoney.com/apply-for-qantas-pay/why-does-qantas-pay-need-to-verify-my-identity) [  How do I verify my ID at Australia Post? ](https://support.qantasmoney.com/apply-for-qantas-pay/how-do-i-verify-my-id-at-australia-post) [  Is the Qantas Pay ID verification process secure? ](https://support.qantasmoney.com/apply-for-qantas-pay/is-the-qantas-pay-id-verification-process-secure) [  Why does the Australian Electoral Commission need to be checked? ](https://support.qantasmoney.com/apply-for-qantas-pay/why-does-the-australian-electoral-commission-need-to-be-checked) [  What is GBG, Experian and illion? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-is-gbg-experian-and-illion) [  Why do I need to enable my camera? ](https://support.qantasmoney.com/apply-for-qantas-pay/why-do-i-need-to-enable-my-camera) [  Where can I find an Australia Post location? ](https://support.qantasmoney.com/apply-for-qantas-pay/where-can-i-find-an-australia-post-location) [  What if I don’t have a physical driver licence? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-if-i-don-t-have-a-physical-driver-licence) [  What happens if my ID can’t be verified online? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-happens-if-my-id-can-t-be-verified-online) [  What if my photo isn’t accepted? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-if-my-photo-isn-t-accepted) [  What types of ID can I use? ](https://support.qantasmoney.com/apply-for-qantas-pay/what-types-of-id-can-i-use) [  Why can’t the app access my camera? ](https://support.qantasmoney.com/apply-for-qantas-pay/why-can-t-the-app-access-my-camera) 

[  PIN ](#category-cl033mc5zf-items) 

[  I’ve forgotten my Qantas Pay card PIN, how do I retrieve it? ](https://support.qantasmoney.com/qantas-pay-pin/i-ve-forgotten-my-qantas-pay-card-pin-how-do-i-retrieve-it) [  What if my PIN is blocked at an ATM or in-store? ](https://support.qantasmoney.com/qantas-pay-pin/what-if-my-pin-is-blocked-at-an-atm-or-in-store) [  How do I set my Qantas Pay card pin? ](https://support.qantasmoney.com/qantas-pay-pin/how-do-i-get-my-qantas-pay-card-pin) [  Is my Qantas Pay card PIN different to my Qantas Frequent Flyer PIN? ](https://support.qantasmoney.com/qantas-pay-pin/is-my-qantas-pay-card-pin-different-to-my-qantas-frequent-flyer-pin) [  How do I change my card PIN? ](https://support.qantasmoney.com/qantas-pay-pin/how-do-i-change-my-pin) 

[  Rates, fees and limits ](#category-3qipmw7ng4-items) 

[  What limits apply to Qantas Pay? ](https://support.qantasmoney.com/rates-fees-limits/what-limits-apply-to-qantas-pay) [  What is my available limit with Qantas Pay? ](https://support.qantasmoney.com/rates-fees-limits/what-is-my-available-limit-with-qantas-pay) [  What exchange rate applies to Qantas Pay? ](https://support.qantasmoney.com/rates-fees-limits/what-exchange-rate-applies-to-qantas-pay) [  What fees apply to Qantas Pay? ](https://support.qantasmoney.com/rates-fees-limits/what-fees-apply-to-qantas-pay) [  Do fees apply if I don’t have the local currency on my card? ](https://support.qantasmoney.com/rates-fees-limits/do-fees-apply-if-i-don-t-have-the-local-currency-on-my-card) 

[  Managing your account ](#category-244ipecdqi-items) 

[  When to use ](#category-m6xodd1ucf-items) 

[  Can I use Qantas Pay if the local currency isn’t available? ](https://support.qantasmoney.com/when-to-use/can-i-use-qantas-pay-if-the-local-currency-isn-t-available) [  Where can I use Qantas Pay? ](https://support.qantasmoney.com/when-to-use/where-can-i-use-qantas-pay) [  Can I use my Qantas Pay card at a hotel or on a cruise? ](https://support.qantasmoney.com/when-to-use/can-i-use-my-qantas-pay-card-at-a-hotel-or-on-a-cruise) [  Can Qantas Pay be used for Qantas in-flight duty free purchases? ](https://support.qantasmoney.com/when-to-use/can-qantas-pay-be-used-for-qantas-in-flight-duty-free-purchases) [  Can I use Qantas Pay to pay for flights at qantas.com? ](https://support.qantasmoney.com/when-to-use/can-i-use-qantas-pay-to-pay-for-flights-at-qantas-com) 

[  Using overseas ](#category-7dp4rqsdny-items) 

[  Is there anything I need to do before I go overseas? ](https://support.qantasmoney.com/using-overseas/is-there-anything-i-need-to-do-before-i-go-overseas) [  Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Pay? ](https://support.qantasmoney.com/using-overseas/do-i-press-cheque-savings-or-credit-when-i-make-a-purchase-or-withdraw-cash-using-qantas-pay) [  Can I view my Qantas Pay balances at overseas ATMs? ](https://support.qantasmoney.com/using-overseas/can-i-view-my-qantas-pay-balances-at-overseas-atms) [  What should I do with my card when I return from overseas? ](https://support.qantasmoney.com/using-overseas/what-should-i-do-with-my-card-when-i-return-from-overseas) [  What will happen if the local currency isn’t available to load on Qantas Pay? ](https://support.qantasmoney.com/using-overseas/what-will-happen-if-the-local-currency-isn-t-available-to-load-on-qantas-pay) [  Should I pay in Australian dollars instead of the local currency when I’m overseas? ](https://support.qantasmoney.com/using-overseas/should-i-pay-in-australian-dollars-instead-of-the-local-currency-when-i-m-overseas) [  Are there any countries where the Qantas Pay Card won’t work? ](https://support.qantasmoney.com/using-overseas/are-there-any-countries-where-the-qantas-pay-card-won-t-work) [  I’m overseas and my Qantas Pay card isn’t working ](https://support.qantasmoney.com/using-overseas/i-m-overseas-and-my-qantas-pay-card-isn-t-working) 

[  Transactions ](#category-i1k46tx3ze-items) 

[  Why has a transaction declined when I have enough funds on the card to complete the purchase? ](https://support.qantasmoney.com/transactions/why-has-a-transaction-declined-when-i-have-enough-funds-on-the-card-to-complete-the-purchase) [  Why would an online transaction be declined if I have enough money to complete the purchase on the card? ](https://support.qantasmoney.com/transactions/why-would-an-online-transaction-be-declined-if-i-have-enough-money-to-complete-the-purchase-on-the-card) [  Why am I seeing new currencies in my Qantas Pay account? ](https://support.qantasmoney.com/transactions/why-am-i-seeing-new-currencies-in-my-qantas-pay-account) [  How long do load transactions take to appear in my account? ](https://support.qantasmoney.com/transactions/how-long-do-load-transactions-take-to-appear-in-my-account) [  What happens if I try to transfer money to the old BSB after 31 May 2025? ](https://support.qantasmoney.com/transactions/what-happens-if-i-transfer-money-to-the-old-bsb-after-the-change) [  Which transactions will earn me Qantas Points? ](https://support.qantasmoney.com/transactions/which-transactions-will-earn-me-qantas-points) 

[  Customer Support and Complaints ](#category-edzlyqg6j7-items) 

[  Qantas Money app deactivation ](#category-1yz8ndefz2-items) 

[  Why has the Qantas Money app been replaced? ](https://support.qantasmoney.com/app-deactivation/why-is-the-qantas-money-app-being-replaced) [  When was the Qantas Money app removed? ](https://support.qantasmoney.com/app-deactivation/when-will-the-qantas-money-app-be-removed) [  What do I need to do if I still use the Qantas Travel Money card? ](https://support.qantasmoney.com/app-deactivation/what-do-i-need-to-do-if-i-still-use-the-qantas-travel-money-card) [  How long will it take to receive my new Qantas Pay card? ](https://support.qantasmoney.com/app-deactivation/how-long-will-it-take-to-receive-my-new-qantas-pay-card) [  Who can I contact if I need help? ](https://support.qantasmoney.com/app-deactivation/who-can-i-contact-if-i-need-help) [  What happens if I am travelling soon? ](https://support.qantasmoney.com/app-deactivation/what-happens-if-i-am-travelling-soon) [  How do I download the new Qantas Pay app? ](https://support.qantasmoney.com/app-deactivation/how-do-i-download-the-new-qantas-pay-app) [  What are the benefits of the new Qantas Pay app? ](https://support.qantasmoney.com/app-deactivation/what-are-the-benefits-of-the-new-qantas-pay-app) [  What happens if my Qantas Travel Money card is lost, stolen, or expired? ](https://support.qantasmoney.com/app-deactivation/what-happens-if-my-qantas-travel-money-card-is-lost-stolen-or-expired) [  Will my existing balance and currencies transfer across? ](https://support.qantasmoney.com/app-deactivation/will-my-existing-balance-and-currencies-transfer-across) [  Do I need to update my direct debits? ](https://support.qantasmoney.com/app-deactivation/do-i-need-to-update-my-direct-debits) [  What do I need to do if I use the Qantas Pay card? ](https://support.qantasmoney.com/app-deactivation/what-do-i-need-to-do-if-i-use-the-qantas-pay-card) 

[  Google Pay ](#category-e4tyz9s6e3-items) 

[  How do I make a purchase using Qantas Pay in apps and websites? ](https://support.qantasmoney.com/using-google-pay/how-do-i-make-a-purchase-using-qantas-pay-in-apps-and-websites) [  How do I set up Google Pay and add my Qantas Pay card? ](https://support.qantasmoney.com/using-google-pay/how-do-i-set-up-google-pay-and-add-my-qantas-pay-card) [  Are Google Wallet and Google Pay secure? ](https://support.qantasmoney.com/using-google-pay/are-google-wallet-and-google-pay-secure) [  Will I need to enter my card PIN with Google Pay? ](https://support.qantasmoney.com/using-google-pay/will-i-need-to-enter-my-card-pin-with-google-pay) [  What should I do if I lose my card, or my card expires and I'm issued a replacement card? ](https://support.qantasmoney.com/using-google-pay/what-should-i-do-if-i-lose-my-card-or-my-card-expires-and-i-m-issued-a-replacement-card) [  What happens if my Android device is lost or stolen? ](https://support.qantasmoney.com/using-google-pay/what-happens-if-my-android-device-is-lost-or-stolen) [  How can I keep track of purchases I’ve made with Google Pay? ](https://support.qantasmoney.com/using-google-pay/how-can-i-keep-track-of-purchases-i-ve-made-with-google-pay) [  Can I add more than one card to Google Wallet? ](https://support.qantasmoney.com/using-google-pay/can-i-add-more-than-one-card-to-google-wallet) [  How do I remove my card from Google Wallet? ](https://support.qantasmoney.com/using-google-pay/how-do-i-remove-my-card-from-google-wallet) [  Does Google Wallet or Google Pay have access to my Qantas Pay account? ](https://support.qantasmoney.com/using-google-pay/does-google-wallet-or-google-pay-have-access-to-my-qantas-pay-account) [  Do I need to have an active internet connection for Google Pay to work? ](https://support.qantasmoney.com/using-google-pay/do-i-need-to-have-an-active-internet-connection-for-google-pay-to-work) [  Which devices are compatible with Google Pay? ](https://support.qantasmoney.com/using-google-pay/which-devices-are-compatible-with-google-pay) [  Where can I use Google Pay? ](https://support.qantasmoney.com/using-google-pay/where-can-i-use-google-pay) [  What is Google Pay and Google Wallet? ](https://support.qantasmoney.com/using-google-pay/what-is-google-pay-and-google-wallet) [  Who can I talk to for further help with Google Pay? ](https://support.qantasmoney.com/using-google-pay/who-can-i-talk-to-for-further-help-with-google-pay) [  How do I return a purchase if I used Google Pay to make the payment? ](https://support.qantasmoney.com/using-google-pay/how-do-i-return-a-purchase-if-i-used-google-pay-to-make-the-payment) [  Will I continue to enjoy the same features and benefits of my Qantas Pay card, including points earn, when I use it for payment with Google Pay? ](https://support.qantasmoney.com/using-google-pay/will-i-continue-to-enjoy-the-same-features-and-benefits-of-my-qantas-pay-card-including-points-earn-when-i-use-it-for-payment-with-google-pay) [  Why was my request to add my card to Google Wallet declined? ](https://support.qantasmoney.com/using-google-pay/why-was-my-request-to-add-my-card-to-google-wallet-declined) [  How do I reverse or dispute a Google Pay transaction? ](https://support.qantasmoney.com/using-google-pay/how-do-i-reverse-or-dispute-a-google-pay-transaction) [  How do I set my Qantas Pay card as the default card in Google Wallet? ](https://support.qantasmoney.com/using-google-pay/how-do-i-set-my-qantas-pay-card-as-the-default-card-in-google-wallet) [  If my device is formatted or jailbroken, will my Google Pay information remain on it? ](https://support.qantasmoney.com/using-google-pay/if-my-device-is-formatted-or-jailbroken-will-my-google-pay-information-remain-on-it) [  Can I use Google Pay overseas? ](https://support.qantasmoney.com/using-google-pay/can-i-use-google-pay-overseas) [  What happens if there are fraudulent transactions made using Google Pay? ](https://support.qantasmoney.com/using-google-pay/what-happens-if-there-are-fraudulent-transactions-made-using-google-pay) [  How do I make a purchase using Qantas Pay in-store with Google Pay? ](https://support.qantasmoney.com/using-google-pay/how-do-i-make-a-purchase-using-qantas-pay-in-store-with-google-pay) [  If I switch devices, do I need to set up my card in Google Pay again? ](https://support.qantasmoney.com/using-google-pay/if-i-switch-devices-do-i-need-to-set-up-my-card-in-google-pay-again) [  Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay? ](https://support.qantasmoney.com/using-google-pay/can-i-continue-to-use-my-physical-card-if-i-disable-google-pay-or-remove-my-digital-card-from-google-pay) 

[  Apple Pay ](#category-lxtsttnp8n-items) 

[  Which devices are compatible with Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/which-devices-are-compatible-with-apple-pay) [  How do I set up my Qantas Pay card on Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-set-up-my-qantas-pay-card-on-apple-pay) [  How do I return a purchase if I used Apple Pay to make the payment? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-return-a-purchase-if-i-used-apple-pay-to-make-the-payment) [  Do I need to have an active internet connection for Apple Pay to work? ](https://support.qantasmoney.com/using-apple-pay/do-i-need-to-have-an-active-internet-connection-for-apple-pay-to-work) [  How do I make an in-store purchase with Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-make-an-in-store-purchase-with-apple-pay) [  Does Apple Pay have access to my Qantas Pay account? ](https://support.qantasmoney.com/using-apple-pay/does-apple-pay-have-access-to-my-qantas-pay-account) [  What is Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/what-is-apple-pay) [  How does the Apple Pay experience compare to using my plastic card? ](https://support.qantasmoney.com/using-apple-pay/how-does-the-apple-pay-experience-compare-to-using-my-plastic-card) [  If I switch devices, do I need to set up my card in Apple Pay all over again? ](https://support.qantasmoney.com/using-apple-pay/if-i-switch-devices-do-i-need-to-set-up-my-card-in-apple-pay-all-over-again) [  How do I set my Qantas Pay card as the default card in Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-set-my-qantas-pay-card-as-the-default-card-in-apple-pay) [  How can I reverse a transaction made using Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-can-i-reverse-a-transaction-made-using-apple-pay) [  Where can I use Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/where-can-i-use-apple-pay) [  Can I add the same card to more than one device using Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/can-i-add-the-same-card-to-more-than-one-device-using-apple-pay) [  Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/can-i-continue-to-use-my-physical-card-if-i-disable-apple-pay-or-remove-my-digital-card-from-apple-pay) [  What should I do if I lose my card and I’m issued a replacement card? ](https://support.qantasmoney.com/using-apple-pay/what-should-i-do-if-i-lose-my-card-and-i-m-issued-a-replacement-card) [  Can I add more than one card on Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/can-i-add-more-than-one-card-on-apple-pay) [  What should I do if my card expires and I’m issued a renewed card? ](https://support.qantasmoney.com/using-apple-pay/what-should-i-do-if-my-card-expires-and-i-m-issued-a-renewed-card) [  Can I use Apple Pay at ATMs? ](https://support.qantasmoney.com/using-apple-pay/can-i-use-apple-pay-at-atms) [  Is Apple Pay secure? ](https://support.qantasmoney.com/using-apple-pay/is-apple-pay-secure) [  How do I dispute a purchase made with Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-dispute-a-purchase-made-with-apple-pay) [  Why was my request to add my card to Apple Pay declined? ](https://support.qantasmoney.com/using-apple-pay/why-was-my-request-to-add-my-card-to-apple-pay-declined) [  Can I use Apple Pay overseas? ](https://support.qantasmoney.com/using-apple-pay/can-i-use-apple-pay-overseas) [  How can I keep track of purchases I’ve made with Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-can-i-keep-track-of-purchases-i-ve-made-with-apple-pay) [  If my device is formatted or jailbroken, will my Apple Pay information remain on it? ](https://support.qantasmoney.com/using-apple-pay/if-my-device-is-formatted-or-jailbroken-will-my-apple-pay-information-remain-on-it) [  What do I need before I can start using Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/what-do-i-need-before-i-can-start-using-apple-pay) [  Why should I use Apple Pay rather than my physical card? ](https://support.qantasmoney.com/using-apple-pay/why-should-i-use-apple-pay-rather-than-my-physical-card) [  Will I continue to enjoy the features and benefits of my Qantas Pay card, including points earn, when I use it for payment with Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/will-i-continue-to-enjoy-the-features-and-benefits-of-my-qantas-pay-card-including-points-earn-when-i-use-it-for-payment-with-apple-pay) [  How do I remove my card from Apple Pay? ](https://support.qantasmoney.com/using-apple-pay/how-do-i-remove-my-card-from-apple-pay) [  Will I need to enter my card PIN? ](https://support.qantasmoney.com/using-apple-pay/will-i-need-to-enter-my-card-pin) [  What should I do if my device is lost or stolen? ](https://support.qantasmoney.com/using-apple-pay/what-should-i-do-if-my-device-is-lost-or-stolen) [  What is a Device Account Number? ](https://support.qantasmoney.com/using-apple-pay/what-is-a-device-account-number) [  The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up? ](https://support.qantasmoney.com/using-apple-pay/the-card-image-i-see-in-apple-pay-does-not-match-my-physical-card-is-there-an-issue-with-my-apple-pay-set-up) 

[  Qantas Pay App ](#category-qs1jvek2lt-items) 

[  How do I check my points balance if I think I am missing Qantas Points? ](https://support.qantasmoney.com/qantas-pay-app/how-do-i-check-my-points-balance-if-i-think-i-am-missing-qantas-points) [  Is the Qantas Pay app secure? ](https://support.qantasmoney.com/qantas-pay-app/is-the-qantas-pay-app-secure) [  What is the difference between the Qantas Pay app and the Qantas Money app? ](https://support.qantasmoney.com/qantas-pay-app/what-is-the-difference-between-the-qantas-pay-app-and-the-qantas-money-app) [  How do I download the Qantas Pay app? ](https://support.qantasmoney.com/qantas-pay-app/how-do-i-download-the-qantas-pay-app) [  What devices is the Qantas Pay app compatible with? ](https://support.qantasmoney.com/qantas-pay-app/what-devices-is-the-qantas-pay-app-compatible-with) [  How do I update my personal information in the Qantas Pay app? ](https://support.qantasmoney.com/qantas-pay-app/how-do-i-update-my-personal-information-in-the-qantas-pay-app) [  Can I use Face ID or my fingerprint to log into the Qantas Pay app? ](https://support.qantasmoney.com/qantas-pay-app/can-i-use-face-id-or-my-fingerprint-to-log-into-the-qantas-pay-app) [  If I am a Qantas Travel Money card holder, can I use the new Qantas Pay app? ](https://support.qantasmoney.com/qantas-pay-app/if-i-am-a-qantas-travel-money-card-holder-can-i-use-the-new-qantas-pay-app) [  Can I continue to manage my Qantas Pay card on the Qantas Money app? ](https://support.qantasmoney.com/qantas-pay-app/can-i-continue-to-manage-my-qantas-pay-card-on-the-qantas-money-app) 

[  Card Offers ](#category-k159v8edtg-items) 

[  Card Linking ](#category-1pjv9yttmz-items) 

[  Can I link an additional card to Card Offers? ](https://support.qantasmoney.com/card-linking/can-i-link-an-additional-card-to-card-offers) [  Can I use any card that I have added to my Qantas Money App for Card offers? ](https://support.qantasmoney.com/card-linking/what-should-i-do-if-my-card-is-lost-or-stolen) [  Can I link another card in addition to my Qantas Money Credit Card? ](https://support.qantasmoney.com/card-linking/can-i-link-another-mastercard-card-in-addition-to-my-qantas-money-credit-card) [  Can I link and earn points with a debit Mastercard® or Visa® card? ](https://support.qantasmoney.com/card-linking/can-i-link-and-earn-points-with-a-debit-mastercard-or-visa-card) 

[  General ](#category-iqxfyp9j01-items) 

[  Why can't I see my Card Offers on the Qantas Money website? ](https://support.qantasmoney.com/general/why-cant-i-see-my-card-offers-on-the-qantas-money-website) [  Why am I not receiving any/many offers? ](https://support.qantasmoney.com/general/why-am-i-not-receiving-any-many-offers) [  How long will my offers be valid for? ](https://support.qantasmoney.com/general/how-long-will-my-offers-be-valid-for) [  What are the terms and conditions of the offers? ](https://support.qantasmoney.com/general/what-are-the-terms-and-conditions-of-the-offers) [  Why am I receiving offers that don't seem well matched to me? ](https://support.qantasmoney.com/general/why-am-i-receiving-offers-that-dont-seem-well-matched-to-me) [  Can I share an offer with my partner/friend etc? ](https://support.qantasmoney.com/general/can-i-share-an-offer-with-my-partner-friend-etc) [  Why did my friend get an offer for a specific store and I did not? ](https://support.qantasmoney.com/general/why-did-my-friend-get-an-offer-for-a-specific-store-and-i-did-not) [  Are offers applicable to both purchases in-store and online? ](https://support.qantasmoney.com/general/are-offers-applicable-to-both-purchases-in-store-and-online) [  What retailers are included in the program? ](https://support.qantasmoney.com/general/what-retailers-are-included-in-the-program) 

[  Earning bonus Qantas Points ](#category-4uz3yxzenn-items) 

[  Why does it take up to 15 days to receive my points? ](https://support.qantasmoney.com/earning-bonus-qantas-points/why-does-it-take-up-to-15-days-to-receive-my-points) [  How can I check if I have successfully earned points on an offer? ](https://support.qantasmoney.com/earning-bonus-qantas-points/how-can-i-check-if-i-have-successfully-earned-points-on-an-offer) 

[  Missing Points ](#category-m8vpni3lff-items) 

[  How do I follow up on missing points from Card Offers? ](https://support.qantasmoney.com/missing-points/how-do-i-follow-up-on-missing-points-from-card-offers) [  What if I forget to use my linked card, can I still earn the points? ](https://support.qantasmoney.com/missing-points/what-if-i-forget-to-use-my-registered-mastercard-card-can-i-still-earn-the-points) 

[  Opting out ](#category-zdb9033qkl-items) 

[  How can I opt out of Card Offers? ](https://support.qantasmoney.com/opt-out/how-can-i-opt-out-of-card-offers) 

[ All Categories](https://support.qantasmoney.com/) ​>​[ ​Qantas Money Credit Card ](https://support.qantasmoney.com/credit-card) ​ > ​​Balance Transfers 

#  Balance Transfers

[  How can I get the most out of my Balance Transfer? To get the most out of your Balance Transfer it is important that you: make additional payments (more than the Minimum Payment Due) throughout the promotional period to reduce the amount you owe;. pa… ](https://support.qantasmoney.com/balance-transfers/how-can-i-get-the-most-out-of-my-balance-transfer) 

[  If I have Balance Transfers at different rates, which one does my credit card payments get applied to first? We will apply payments as follows : • Firstly, to any Monthly Instalment(s) that are overdue; and then • To any Monthly Instalment(s) due in the current Statement Period (if applicable); and then • T… ](https://support.qantasmoney.com/balance-transfers/if-i-have-balance-transfers-at-different-rates-which-one-does-my-credit-card-payments-get-applied-to-first) 

[  What is a Balance Transfer? A Balance Transfer involves transferring the balance(s) on an eligible credit card or other eligible credit account to a Qantas Money credit card at a promotional rate for a set period of time. It ca… ](https://support.qantasmoney.com/balance-transfers/what-is-a-balance-transfer) 

[  What are the benefits of closing my other credit cards after a Balance Transfer? Some of the benefits from closing your other credit cards and loans are: helping reduce the total amount of credit card and loan annual fees you pay;. simplifying your finances and decreasing the num… ](https://support.qantasmoney.com/balance-transfers/what-are-the-benefits-of-closing-my-other-credit-cards-after-a-balance-transfer) 

[  How does a Balance Transfer work? A Balance Transfer lets you: use up to 80% of your Qantas Money credit card limit to pay down your balances on other credit cards;. take advantage of a lower interest rate for the promotional period… ](https://support.qantasmoney.com/balance-transfers/how-does-a-balance-transfer-work) 

[  How does a Balance Transfer affect the interest charged on my account? Once a Balance Transfer is processed on your Qantas Money credit card, the interest charges will be as follows: during the promotional period, balances transferred across will be charged an interest… ](https://support.qantasmoney.com/balance-transfers/how-does-a-balance-transfer-affect-the-interest-charged-on-my-account) 

[  Back to top](#main) 

[  ](https://www.qantas.com/en-au) 

## [ Qantas Money ](https://www.qantasmoney.com/) 

* [Manage your products](https://www.qantasmoney.com/app)
* [Help and support](https://www.qantasmoney.com/help-and-support)
* [Terms and forms](https://www.qantasmoney.com/terms-and-forms)
* [ Join Qantas Frequent Flyer](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/QANTASMONEY)
* [ Qantas Money Privacy Statement](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FMoney%5FPrivacy%5FPolicy.pdf)

## [ Home Loans ](https://www.qantasmoney.com/home-loans) 

* [ Features and benefits](https://www.qantasmoney.com/home-loans/features-and-benefits)
* [Rates & fees](https://www.qantasmoney.com/home-loans/rates-and-fees)
* [Apply now](https://www.qantasmoney.com/home-loans/apply)
* [ Continue application](https://www.qantasmoney.com/home-loans/redirect/Home/SignIn)
* [Manage your loan](https://www.qantasmoney.com/home-loans/online-banking)
* [ Terms and forms](https://www.qantasmoney.com/terms-and-forms?product=home-loans)
* [ Frequently asked questions](https://www.qantasmoney.com/home-loans/support/faqs)
* [ Fixed rate home loans](https://www.qantasmoney.com/home-loans/fixed-rate-home-loans)
* [ Variable home loans](https://www.qantasmoney.com/home-loans/variable-home-loans)

## [ Credit Cards ](https://www.qantasmoney.com/credit-cards) 

* [ Qantas Money Everyday Card](https://www.qantasmoney.com/credit-cards/everyday)
* [ Qantas Money Platinum Card](https://www.qantasmoney.com/credit-cards/platinum)
* [ Qantas Money Titanium Card](https://www.qantasmoney.com/credit-cards/titanium)
* [ Manage your repayments](https://www.qantasmoney.com/credit-cards/instalment-plans)
* [Manage your credit card](https://www.qantasmoney.com/app)
* [Report lost or stolen card](https://www.qantasmoney.com/help-and-support)
* [Terms and forms](https://www.qantasmoney.com/terms-and-forms)
* [ Frequently asked questions](https://support.qantasmoney.com/credit-card)
* [ Card material](https://support.qantasmoney.com/recycled-material-of-your-qantas-money-credit-card)

## [ Qantas Pay ](https://www.qantasmoney.com/qantas-pay) 

* [ Sign Up](https://www.qantasmoney.com/qantas-pay/account/enrol/consent-or-join)
* [Add money](https://www.qantasmoney.com/qantas-pay/account/add-money)
* [ Features and benefits](https://www.qantasmoney.com/qantas-pay/features-and-benefits)
* [ Changes to Travel Money](https://www.qantasmoney.com/qantas-pay/changes-to-travel-money-card)
* [Buy currency](https://www.qantasmoney.com/qantas-pay/buy-currency)
* [ Terms and forms](https://www.qantasmoney.com/terms-and-forms?product=qantas-pay)
* [ Frequently asked questions](https://support.qantasmoney.com/qantas-pay)

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* [ Privacy & security](https://www.qantas.com/en-au/help/policies/privacy-and-security)
* [ Terms of Use](https://www.qantas.com/en-au/help/policies/website-terms-of-use)
* [ Conditions of Carriage](https://www.qantas.com/en-au/book/flights/conditions-of-carriage)
* [ Modern Slavery Act Statement (PDF)](https://www.qantas.com/dynamic-assets/assets/urn:aaid:aem:da12f4e1-e38d-4e30-be0f-531d5f83ef9e/original/as/modern-slavery-and-human-trafficking-statement.pdf)
* [ Reconciliation Action Plan](https://www.qantas.com/corporate/sustainability/reconciliation-at-qantas)
* [ Access & Inclusion Plan](https://www.qantas.com/corporate/sustainability#access-and-inclusion)
* [ Fare types](https://www.qantas.com/au/en/book-a-trip/flights/fare-types.html)

© Qantas Airways Limited ABN 16 009 661 901

 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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# Source: https://www.mastercard.com.au/en-au/vision/who-we-are/terms-of-use/zero-liability-terms-conditions.html

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#  Zero liability protection

When you use your Mastercard, you’re protected against fraud.

## When you use your Mastercard, you’re protected against fraud

Have peace of mind knowing that the financial institution that issued your Mastercard won’t hold you responsible for “unauthorised transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the shop, over the telephone, online or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorised transactions if:

1. You have used reasonable care in protecting your card from loss or theft; and
2. You promptly reported loss or theft to your financial institution.

If you believe there has been unauthorised use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorised transactions, please contact your bank or credit union. Note: Zero Liability does not apply to the following Mastercard payment cards: certain commercial cards or unregistered prepaid cards, such as gift cards.

## What to do

If you have questions regarding Zero Liability coverage or you suspect unauthorised use of your card, contact your financial institution IMMEDIATELY.

Effective 17 October 2014

If applicable law imposes a greater liability or a conflicting obligation, such applicable law shall govern.

1. [ Home ](https://www.mastercard.com.au/au/en.html)
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We are always here when you need us.

###### Need help?

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---

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---

# 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

## On this page

## 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.

anchor-link-text

Introduction

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introduction

show-back-to-link

true

## Definitions

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

Lounge invitation definitions

Yes

No

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](https://www.qantas.com/en-au/at-the-airport/lounges/passes/using-your-invitations) 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.

anchor-link-text

Definitions

anchor-section-url

definitions

show-back-to-link

true

## 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.

anchor-link-text

Using an invitation

anchor-section-url

using-invitation

show-back-to-link

true

## 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.

anchor-link-text

Unlinking a Complimentary Invitation - changes by an Eligible Customer

anchor-section-url

unlinking-customer-changes

show-back-to-link

true

## 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.

anchor-link-text

Unlinking a Complimentary Invitation - changes by Qantas

anchor-section-url

unlinking-qantas-changes

show-back-to-link

true

## 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.

anchor-link-text

Expiry

anchor-section-url

expiry

show-back-to-link

true

## Accessing the Eligible Lounge

7.1 Lounge Access is subject to these Terms and Conditions and to the [Lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026).

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.

anchor-link-text

Accessing the Eligible Lounge

anchor-section-url

access

show-back-to-link

true

## 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.

anchor-link-text

Other Conditions

anchor-section-url

other

show-back-to-link

false

---

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

false

# Airport lounges

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

false

## On this page

## Lounge locations

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

first-cta-primary

[Qantas and partner airport lounges](https://www.qantas.com/en-au/at-the-airport/lounges/locations)

anchor-link-text

Lounge locations

anchor-section-url

lounge-locations

show-back-to-link

false

exclude-from-anchor-link

false

## 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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all-left-aligned

image-and-text, v2

false

false

### 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](#d-lego)

[Find out more about the Sydney Qantas Club](https://www.qantas.com/language-masters/en/at-the-airport/lounges/locations/sydney-qantas-club)

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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](https://www.qantas.com/language-masters/en/at-the-airport/lounges/locations/sydney-international-business)

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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](https://www.qantas.com/language-masters/en/at-the-airport/lounges/locations/hobart-qantas-club)

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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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### 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](https://www.qantas.com/language-masters/en/at-the-airport/lounges/locations/los-angeles-international-business)

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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](https://www.qantas.com/language-masters/en/at-the-airport/lounges/locations/auckland-international)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/access), **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](https://www.qantas.com/en-au/at-the-airport/lounges/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](https://www.qantas.com/en-au/at-the-airport/lounges/access)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/benefits)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/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](https://www.qantas.com/en-au/at-the-airport/lounges/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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### 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](https://www.qantas.com/en-au/at-the-airport/lounges/dining)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/business-facilities)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/locations)

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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](https://www.qantas.com/en-au/at-the-airport/lounges/locations)

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Facilities

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facilities

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### Important information

generic

If you are a Qantas Platinum Frequent Flyer or Gold Frequent Flyer member (equivalent to the **one**world Emerald or Sapphire tiers), or you are travelling in a First or Business Class cabin on any **one**world member airline (excludes **one**world 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](https://www.qantas.com/en-au/where-we-fly/partner-airlines/oneworld) for more information, eligibility requirements and lounge locations.

Entry to the Qantas lounges is subject to [lounge entry terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/entry-terms-post-jul-2026).

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

manual

d-lego

LEGO, the LEGO logo, the Minifigure and DUPLO are trademarks of the LEGO Group. ©2026 The LEGO Group. All rights reserved.

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important information

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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

## On this page

## Eligibility

1.1 [Qantas Lounge access eligibility](https://www.qantas.com/en-au/at-the-airport/lounges/access) 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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## 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](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/dress-guidelines.html) 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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## 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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## Lounge invitations

4.1 If you've received a Complimentary Lounge Invitation, refer to the Complimentary Lounge Invitation [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/passes/invitations-terms-post-jul-2026) for more information.

4.2 If you've purchased a Qantas Lounge Pass, refer to the Qantas Lounge Pass [terms and conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/lounge-invitations-terms-conditions.html) for more information.

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Lounge invitations

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## The Qantas Club

5.1 Refer to The Qantas Club [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/membership-terms-post-jul-2026) and the Qantas Club Flexible [terms and conditions](https://www.qantas.com/en-au/at-the-airport/lounges/qantas-club/flexible-membership-terms-post-jul-2026) for more information on eligibility.

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The Qantas Club

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---

# Source: https://www.qantasmoney.com/assets/legals/documents/Qantas_Money_Platinum_Credit_Card_Airline_Benefit_Terms.pdf

Qantas Money
Platinum Credit
Card Airline
Benefit Terms
and Conditions
Lounge Invitation Benefit
Companion Fare 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.

2
Introduction
These Terms and Conditions explain when   you 
are eligible for the   Lounge Invitation   Benefit and 
Companion Fare Benefit , both of which are   Special
Feature s of the Qantas Money Platinum Credit Card.
These Terms and Conditions will apply to   you   if 
you   have been issued with a   Card   as the   Primary 
Cardholder . 
1.   Meaning of Words 
When   you   see these words used in these Terms and
Conditions, this is what they mean: 
Account   means   your   Qantas Money Platinum
unsecured credit facility with   us . For the avoidance
of doubt, these Terms and Conditions do not apply
to the Qantas Money Everyday unsecured credit
facility. 
Anniversary Year   means the rolling 12 month period
from the date the   Account   is approved by   us . 
Card   means   your   Qantas Money Platinum Credit Card. 
Cardholder   means a holder of a Qantas Money
Platinum Credit Card. 
Complimentary Lounge Invitation   or   Lounge
Invitation   means a general complimentary invitation
to a   Lounge , as governed by the   Qantas Airport
Lounge Access Terms and Conditions . 
Companion Fare Benefit   means a discount on
the base fares (excluding taxes, fees and carrier
charges) of selected domestic   Qantas   and
QantasLink flights for the   Primary   Cardholder 
and between one and eight others, travelling on
the same booking number, day and flight(s). The
benefit can only be used once per   Anniversary
Year , booked through the booking portal available
via   your   Online Access   and must be paid for in full
using the   Card . 
Lounge   means eligible domestic Qantas Club and 
Qantas   operated international Business Lounges. 
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’.

3 
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   C ards 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 . 
Qantas   means Qantas Airways Limited ABN 16 009
661 901, its successors and assigns. 
Qantas Airport Lounge Access Terms and
Conditions   means the terms and conditions
available at   qantas.com/loungeaccessterms   as
amended from time to time. 
Qantas Money Concierge   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. 
Special Feature   means any feature or promotional
offer related to the   Card   we   identify as a   Special
Feature .

4 
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 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   Qantas Airport Lounge Access Terms and
Conditions . 
2.3   We   may determine, acting reasonably, that   you 
are not entitled to access these benefits on the
basis that: 
(a)   You   are in breach of   your   Credit Card
Terms and Conditions ; 
(b)   Your   Account   is suspended; 
(c)   We   reasonably suspect   you   (or an
additional   Cardholder ) are operating   your 
Account   fraudulently; or 
(d)   Your   Account   is closed or cancelled
(whether by   us   or by   you ), including if   you 
cease to be a Qantas Frequent Flyer. 
2.4   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 a   notice on the website or otherwise
notifying   you . 
3.   Lounge Invitation   Benefit 
3.1   The   Lounge Invitation   Benefit comprises two
complimentary single-entry   Lounge Invitations 
made   available to the   Primary   Cardholder   each 
Anniversary Year .

5 
3.2   Use of the   Lounge Invitation   and use of the 
Lounge   are subject to the   Qantas Airport
Lounge Access Terms and Conditions . 
3.3   Each year’s   Lounge Invitation   Benefit cannot be
carried forward to a subsequent year. 
3.4   Lounge Invitations   can be accessed through 
qantas.com/freeloungeinvite . 
3.5   Lounge Invitations   are valid for 12 months from
date of   issue unless otherwise specified. 
3.6   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 2.4. 
3.7   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 . 
3.8   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. 
4.   Companion Fare Benefit 
4.1   The   Companion Fare Benefit   is available once
per   Anniversary Year   on selected domestic fare
classes and routes operated by   Qantas   and
QantasLink for bookings where the   Primary 
Cardholder   is flying together with between one
and eight others on the same itinerary in the
same fare class. 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   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 .

6 
4.2   Your   entitlement to the   Companion Fare Benefit 
cannot be carried forward to any subsequent
year. 
4.3   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 . 
4.4   You   must be part of the booking and   your   name
must match the name of the booking and the
primary contact details used for the booking. 
4.5   Flights must be made on the same booking
number, day and flight(s). 
4.6   Companion Fare Benefit   discounts are available
only on the following domestic fare classes,
with discounts only applied to the base fare
and excluding taxes, fees and carrier charges: 
Fare type
Red eDeal
(Discount
Economy)
Flex
Economy
(Flexible
Economy)
Business
(Flexible
Business)
Booking
classes 
L, M, N, Q,
S, V   B, H, K, Y   C, J 
Discounts   10%   15%   20% 
4.7   Companion Fare Benefit   discounts are not
available on all booking classes and in some
instances there may be sale fares available
to the general public that are cheaper than
the fares offered under the   Companion Fare
Benefit . The   Companion Fare Benefit   is applied
at booking-level. For a complete list of booking
classes for each fare type, visit   https://www.
qantas.com/au/en/frequent-flyer/qantas-
class-types.html . Completing a booking via 
your   Online Access   booking portal constitutes
redemption of   your   Companion Fare Benefit .
If the preferred flight   you   are booking is not
eligible for a discount, the booking will still
count as having used   your   benefit for the 
Anniversary Year . 
4.8   The   Companion Fare Benefit   is available on
both one-way and return domestic flights
(whether or not such flights include stopovers),
but if   you   book a one-way flight and choose

7
to use the   Companion Fare Benefit , that is a
redemption of the   Companion Fare Benefit   for
that   Anniversary Year . The   Companion Fare
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   Companion Fare Benefit   cannot be
combined with any other offer, discount or
promotion unless otherwise specified. 
4.10   Changes to   your   booking may incur fees.   You 
will be responsible for paying the difference
between the new fare and the original fare
(less any applicable discounts). Whether a 
Companion Fare Benefit   discount will apply to
the new fare and, if so, the rate of the discount,
will depend on the fare class of the new fare
(as   per section 4.6 above). Some fares are
non-refundable. Cancellation fees and charges
may also apply and any changes to the booking
should be made via   qantas.com   or the   Qantas 
Contact Centre. 
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. Offers
are subject to availability.   Qantas   reserves the
right to cancel any   Companion Fare Benefit 
bookings made by   you   that are not compliant
to the Qantas Money Platinum Credit Card
Airline 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 2.4. Changes or
withdrawals made by   us   to this benefit will
not affect a   Companion Fare Benefit   discount
already applied to an existing booking.

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 calling within Australia   1300 992 700 
– if   you   are calling from outside Australia 
+61   2   8222 2569 
To make changes to an existing   Companion Fares
Benefit   booking visit   qantas.com   or call a Qantas
Contact Centre on   13 13 13 .
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.   QCC16333_(0725)

---

# 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: 
1.   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); 
2.   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
1.   Meaning of Words   3
2.   Participation   6
3.   Earning   Qantas Points   7
4.   Limitations on and loss of   Qantas   Points   9
5.   Redeeming Points   11
6.   Government Taxes, Duties and   Charges   11
7.   General   11
8.   Special Features   and   Special Promotions   13
9.   Concierge Services   13
10.   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. 
1.   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 
1.   Getting started with   your   contract   . . . . . . . . 7
1A.   How   we   may exercise   our   rights and
discretions   . . . . . . . . . . . . . . . . . . . . . . . 7
2.   Use of   Cards   and the   Account   . . . . . . . . . . 9
3.   International transactions   . . . . . . . . . . . .   13
4.   Payments   . . . . . . . . . . . . . . . . . . . . . . .   15
5.   Instalment Plans ,   Balance Transfers 
and   Special Promotions   . . . . . . . . . . . . .   16
6.   Statements and other communications   . . .   23
7.   Default, Suspension and Closure   . . . . . . . .   25
8.   Interest Charges   . . . . . . . . . . . . . . . . . .   29
9.   Fees and other charges   you   must   pay   . . . . 34
10.   Solving problems   . . . . . . . . . . . . . . . . . . 34
11.   Changes   . . . . . . . . . . . . . . . . . . . . . . .   37
12.   Security and liability for losses for
unauthorised electronic transactions   . . . . . 38
13.   Things   we   aren’t responsible for   . . . . . . . .   41
13A.   Mistaken Internet Payments   . . . . . . . . . . .   42
14.   Conditions for specific   Payment Facilities   . . 48
15.   BPAY®   . . . . . . . . . . . . . . . . . . . . . . . . . 49
16.   General matters   . . . . . . . . . . . . . . . . . . 58
17.   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: 
1.   the amount of that unauthorised or fraudulent
payment; and 
2.   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 
1.   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 
1.   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. 
2.   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. 
3.   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

87
This page intentionally left blank.

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.   QCC16257_(0725)

---

# Source: https://www.qantasmoney.com/credit-cards/premier-platinum/fees-and-rates

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# Qantas Money Platinum fees and rates

## Apply for the Qantas Money Platinum Credit Card

Earn up to 80,000 bonus Qantas Points. New cardholders receive 40,000 bonus Qantas Points when $5,000 or more is spent on eligible purchases within 90 days from card approval. Plus, an additional 40,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 24 months.1

Plus enjoy a discounted $349 first year annual fee.2

[Apply now](https://qmcc-loyalty.money.qantas.com/start-application?product=platinum "Apply for the Qantas Money Platinum Credit Card")

### Annual fees

| Annual Fee2               | $399 per year. Special offer - $349 annual fee for the first year. |
| ------------------------- | ------------------------------------------------------------------ |
| Additional Cardholder Fee | $50                                                                |

### Interest rates

| Retail Purchase Rate  | 20.99% p.a.                                                                                                                                                                                                                                                                        |
| --------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Cash Advance Rate     | 21.99% p.a.                                                                                                                                                                                                                                                                        |
| Interest-free period3 | Up to 44 days                                                                                                                                                                                                                                                                      |
| Balance Transfers4    | 0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months.4We can't process balances transfers from certain issuers - see our [indicative list](https://support.qantasmoney.com/apply/can-i-transfer-a-balance-from-another-credit-card) |

## Other fees

__Other fees and charges comparison table__
| **Fee type**                        | **Amount**                                                                       | **When is this fee charged?**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | **How can you avoid the fee?**                                                                                                                                                                                                                              |
| ----------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Additional Cardholder**           | $50                                                                              | 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, $50 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)](https://www.qantasmoney.com/assets/legals/qmoney/help/forms/QantasMoneyCreditCardDirectDebitAutoPay.pdf) 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.                                                                                                                                                                    |
| **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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                             |
| **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. |                                                                                                                                                                                                                                                             |

### 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.

To view the respective [Target Market Determination](https://www.qantasmoney.com/terms-and-forms/tmd) (TMD) related to these products, please visit the [TMD page](https://www.qantasmoney.com/terms-and-forms/tmd).

All applications are subject to credit criteria. Fees, charges and [Terms & Conditions](https://www.qantasmoney.com/terms-and-forms) 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](https://www.mastercard.com.au/) for more information.

1. Offer commenced 10 August 2026\. To be eligible for up to 80,000 bonus Qantas Points, you must apply for a new Qantas Money Platinum Credit Card before the offer is withdrawn. 40,000 Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days from 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. An additional 40,000 bonus Qantas Points offer is available to approved cardholders who have met the criteria for the 40,000 bonus points and have not earned Qantas Points on a credit or charge card into their Qantas Frequent Flyer account within the previous 24 months from card application (limited to one per Qantas Frequent Flyer or Qantas Business Rewards member only). Members are not eligible for more than one first-time Qantas Points earning credit cardholder bonus within the last 24 months. In the event of multiple new cardholder Bonus Points offers in the market for the same offer period, eligible members will be provided with the highest bonus points offer. This offer cannot be combined with any other Qantas branded credit card offer. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Money Platinum Credit Card Account before they appear in your Qantas Frequent Flyer Account. All rewards are subject to the [Qantas Money Credit Card Rewards Terms and Conditions](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FCredit%5FCard%5FRewards%5FTerms.pdf). The 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.
2. Offer commenced 8 September 2025\. A discounted annual fee of $349 applies if the first use of the Account (being when a transaction is first debited to the Account including Balance Transfers) is within 12 months from the day we approve your Account. Otherwise, the standard annual fee, currently $399 will apply for the first annual fee. After that, the standard annual fee, currently $399, will be debited each year on the last day of the Statement Period in which the anniversary of the day we approved your Account occurs. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.
3. The interest free period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
4. Offer commenced 10 August 2026\. New Qantas Money Platinum credit 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 and the balance transfer fee, for a period of 24 months. The 24 month promotional period commences once the Balance Transfer is processed. The balance transfer fee is 3% of the balance transferred and will be added to your outstanding balance on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and the balance transfer fee, will revert to the variable Cash Advance Rate, currently 21.99% p.a. For important information to consider before taking up a Balance Transfer, please click [here](https://support.qantasmoney.com/balance-transfers). Offer may be varied or withdrawn at any time. We can't process balance transfers from certain issuers - see our [indicative list](https://support.qantasmoney.com/apply/can-i-transfer-a-balance-from-another-credit-card)
5. $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due Date. 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.
6. 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.
7. This fee will be debited to your account when you choose to make a payment at Australia Post.
8. The international transaction fee applies in addition to the international cash advance fee.

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* [Conditions of Carriage](https://www.qantas.com/en-au/book/flights/conditions-of-carriage)
* [Modern Slavery Act Statement (PDF)](https://www.qantas.com/dynamic-assets/assets/urn:aaid:aem:da12f4e1-e38d-4e30-be0f-531d5f83ef9e/original/as/modern-slavery-and-human-trafficking-statement.pdf)
* [Reconciliation Action Plan](https://www.qantas.com/corporate/sustainability/reconciliation-at-qantas)
* [Access & Inclusion Plan](https://www.qantas.com/corporate/sustainability#access-and-inclusion)
* [Fare types](https://www.qantas.com/au/en/book-a-trip/flights/fare-types.html)

© Qantas Airways Limited ABN 16 009 661 901

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](https://www.qantasmoney.com/assets/documents/home-loans/TMD-BasicHomeLoan171025.pdf) [Qantas Money Offset Home Loan Target Market Determination](https://www.qantasmoney.com/assets/documents/home-loans/TMD-OffsetHomeLoan171025.pdf) [Qantas Money Home Loan Offset Account Target Market Determination](https://www.qantasmoney.com/assets/documents/home-loans/TMD-OffsetAccount171025.pdf)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Loans approved on or after 17 October 2025             |
| [Qantas Money Basic Home Loan Target Market Determination](https://www.qantasmoney.com/assets/documents/home-loans/TMD-BasicHomeLoan250525.pdf) [Qantas Money Offset Home Loan Target Market Determination](https://www.qantasmoney.com/assets/documents/home-loans/TMD-OffsetHomeLoan250525.pdf) [Qantas Money Home Loan Offset Account Target Market Determination](https://www.qantasmoney.com/assets/documents/home-loans/TMD-OffsetAccount250525.pdf)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Loans approved on or after 26 May 2025                 |
| [Owner Occupied Home Loan Interest Only - Fixed Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FOwner%5FOccupied%5FInterest%5FOnly%5FFixed%5FRate.pdf) [Owner Occupied Home Loan Interest Only - Variable Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FOwner%5FOccupied%5FInterest%5FOnly%5FVariable%5FRate.pdf) [Owner Occupied Home Loan Principal and Interest - Fixed Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FOwner%5FOccupied%5FPrincipal%5FInterest%5FFixed%5FRate.pdf) [Owner Occupied Home Loan Principal and Interest - Variable Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FOwner%5FOccupied%5FPrincipal%5FInterest%5FVariable%5FRate.pdf) [Residential Investment Loan Interest Only - Fixed Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FResidential%5FInvestment%5FInterest%5FOnly%5FFixed%5FRate.pdf) [Residential Investment Loan Interest Only - Variable Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FResidential%5FInvestment%5FInterest%5FOnly%5FVariable%5FRate.pdf) [Residential Investment Loan Principal and Interest - Fixed Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FResidential%5FInvestment%5FPrincipal%5FInterest%5FFixed%5FRate.pdf) [Residential Investment Loan Principal and Interest - Variable Rate](https://www.qantasmoney.com/assets/legals/home-loans/documents/Qantas%5FMoney%5FHome%5FLoans%5FTMD%5FResidential%5FInvestment%5FPrincipal%5FInterest%5FVariable%5FRate.pdf) | 14 November 2023 - loans approved prior to 26 May 2025 |

## Qantas Money Credit Cards

### Qantas Money Everyday

__Qantas Money Everyday target market determinations__
| Effective date                                                                                                                                                                         |                  |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- |
| Current: [Qantas Money Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FEveryday%5FCard%5FTMD%5F28July2026.pdf)       | 28 July 2026     |
| Historic: [Qantas Money Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FEveryday%5FCard%5FTMD%5F8September2025.pdf)  | 8 September 2025 |
| Historic: [Qantas Premier Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F14July2025.pdf)  | 14 July 2025     |
| Historic: [Qantas Premier Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F5Nov2024.pdf)    | 5 November 2024  |
| Historic: [Qantas Premier Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F14July2024.pdf)  | 14 July 2024     |
| Historic: [Qantas Premier Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F11April2024.pdf) | 11 April 2024    |
| Historic: [Qantas Premier Everyday Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F14July2023.pdf)  | 14 July 2023     |
| Historic: [Qantas Premier Everyday Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F1June2022.pdf)       | 1 June 2022      |
| Historic: [Qantas Premier Everyday Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FEveryday%5FCard%5FTMD%5F5Oct2021.pdf)        | 5 October 2021   |

### Qantas Money Platinum

__Qantas Money Platinum target market determination__
| Effective date                                                                                                                                                                        |                  |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- |
| Current: [Qantas Money Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FPlatinum%5FCard%5FTMD%5F28July2026.pdf)      | 28 July 2026     |
| Historic: [Qantas Money Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FPlatinum%5FCard%5FTMD%5F8September2025.pdf) | 8 September 2025 |
| Historic: [Qantas Premier Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F14July2025.pdf) | 14 July 2025     |
| Historic: [Qantas Premier Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F5Nov2024.pdf)   | 5 November 2024  |
| Historic: [Qantas Premier Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F14July2024.pdf) | 14 July 2024     |
| Historic: [Qantas Premier Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F14July2023.pdf) | 14 July 2023     |
| Historic: [Qantas Premier Platinum Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F1June2023.pdf)  | 1 June 2023      |
| Historic: [Qantas Premier Platinum Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F1June2022.pdf)      | 1 June 2022      |
| Historic: [Qantas Premier Platinum Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FPlatinum%5FCard%5FTMD%5F5Oct2021.pdf)       | 5 October 2021   |

### Qantas Money Titanium

__Qantas Premier Titanium target market determinations__
| Effective date                                                                                                                                                                        |                  |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- |
| Current: [Qantas Money Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FTitanium%5FCard%5FTMD%5F28July2026.pdf)      | 28 July 2026     |
| Historic: [Qantas Money Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FMoney%5FTitanium%5FCard%5FTMD%5F8September2025.pdf) | 8 September 2025 |
| Historic: [Qantas Premier Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F14July2025.pdf) | 14 July 2025     |
| Historic: [Qantas Premier Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F5Nov2024.pdf)   | 5 November 2024  |
| Historic: [Qantas Premier Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F14July2024.pdf) | 14 July 2024     |
| Historic: [Qantas Premier Titanium Target Market Determination](https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F14July2023.pdf) | 14 July 2023     |
| Historic: [Qantas Premier Titanium Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F1June2022.pdf)      | 1 June 2022      |
| Historic: [Qantas Premier Titanium Target Market Determination](https://assets.qantasmoney.com/legals/qmoney/documents/Qantas%5FPremier%5FTitanium%5FCard%5FTMD%5F5Oct2021.pdf)       | 5 October 2021   |

## Qantas Pay

__Qantas Travel Money target market determinations__
| Effective date                                                                                             |             |
| ---------------------------------------------------------------------------------------------------------- | ----------- |
| [Qantas Pay Target Market Determination](https://www.qantasmoney.com/assets/qantas-pay/Qantas-Pay-TMD.pdf) | 21 May 2024 |

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* [Privacy & security](https://www.qantas.com/en-au/help/policies/privacy-and-security)
* [Terms of Use](https://www.qantas.com/en-au/help/policies/website-terms-of-use)
* [Conditions of Carriage](https://www.qantas.com/en-au/book/flights/conditions-of-carriage)
* [Modern Slavery Act Statement (PDF)](https://www.qantas.com/dynamic-assets/assets/urn:aaid:aem:da12f4e1-e38d-4e30-be0f-531d5f83ef9e/original/as/modern-slavery-and-human-trafficking-statement.pdf)
* [Reconciliation Action Plan](https://www.qantas.com/corporate/sustainability/reconciliation-at-qantas)
* [Access & Inclusion Plan](https://www.qantas.com/corporate/sustainability#access-and-inclusion)
* [Fare types](https://www.qantas.com/au/en/book-a-trip/flights/fare-types.html)

© Qantas Airways Limited ABN 16 009 661 901

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.