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Your Monthly Spend
$ 1000
Months to Forecast
24

Total Rewards Points Forecast

Rewards Points Forecast by Month

 St.George Amplify Platinum - Qantas Offer

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Westpac Altitude Platinum - Qantas Offer

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HSBC Platinum Qantas Credit Card

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Qantas American Express Premium Card

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ANZ Frequent Flyer Platinum

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NAB Qantas Rewards Premium Card

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Total Points

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Basics
Rewards Program
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Qantas Frequent Flyer
Offer Ends
02 Mar 2021
31 Mar 2021
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
0% p.a. for 15 months with a 1% balance transfer fee
0% p.a. for 18 months with a 1% transfer fee
0% p.a. for 12 months with a 0% balance transfer fee
20.24% p.a.
Interest rate payable on the remaining balance of debt that has been transferred to this card
0% p.a. for 6 months with a 2% balance transfer fee
Balance Transfer Months
Number of months the promotional balance transfer offer applies
15 months
18 months
12 months
6 months
Balance Transfer Fee
Fee incurred for processing a balance transfer
1%
1%
0%
2%
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
21.49% p.a.
Variable cash advance rate
21.49% p.a.
21.99% p.a.
21.74% p.a.
Balance Transfer Limit
Maximum percentage of your approved credit card limit that can be used for the balance transfer
80%
80%
90%
Purchase Rate
The standard interest rate that applies to purchases on the card
19.74% p.a.
20.49% p.a.
19.99% p.a.
20.74% p.a.
20.24% p.a.
19.99% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 55 days
Up to 45 days
Up to 55 days
Up to 44 days
Up to 55 days
Up to 44 days
Cash Advance Rate
Interest rate incurred for a cash advance
21.49% p.a.
21.49% p.a.
21.99% p.a.
20.24% p.a.
21.74% p.a.
Minimum Credit Limit
$6,000
$6,000
$6,000
$2,000
$6,000
$6,000
Maximum Credit Limit
$80,000
$50,000
Card Type
Visa
Mastercard
Visa
American Express
Visa
Visa
Mobile Cardless Payments
Yes
Apple Pay
Google Pay
Samsung Pay
Yes
Apple Pay
Samsung Pay
Google Pay
Garmin Pay
Fitbit Pay
Yes
Apple Pay
Google Pay
Yes
Apple Pay
Google Pay
Samsung Pay
Yes
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Yes
Apple Pay
Samsung Pay
Google Pay
NAB Pay
Other Requirements
Yes
New customers only
Yes
Don't currently hold and haven't opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months
Fees
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$99 p.a.
$99 for the first year, then $200 p.a.
$99 for the first year ($150 thereafter) and $0 Qantas Rewards Fee for the first year ($50 p.a. thereafter)
$99 p.a.
$249 p.a.
$295 p.a.*
Includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee
$250 p.a.
Cash Advance Fee
2% or $1.50, whichever is greater, capped at $150
2% or $2.50, whichever is greater
3% or $4, whichever is greater
2% or $4, whichever is greater
2% or $2.50, whichever is greater
Minimum Monthly Repayment
The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.
2% of the closing balance or $10, whichever is greater
If the closing balance is less than $10, it must be paid in full
2% of the closing balance or $10, whichever is greater
3% or $20, whichever is greater
2.5% or $30, whichever is greater
2% or $25, whichever is greater
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$15
$15
$30
$30
$20
$15
International Cash Advance Fee
2%
$2.50 or 2% of the cash advance amount (whichever is greater)
2% or $4, whichever is greater
2% or $2.50, whichever is greater
International ATM Withdrawal Fee
$5
$5
International Transaction Fee
Fee incurred for transactions made in foreign currency
3% of the transaction value
Note that this fee is charged even when trading in Australian dollars if the merchant is based overseas.
3% of the transaction value
3% of the transaction value
3% of the transaction value
3% of transaction amount
3% of the transaction value
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$0 p.a.
$0
$0 p.a.
$0 p.a.
$65
$0
Maximum Additional Cardholders
Maximum number of additional cardholders
Up to 1
Note, more than 1 cardholder can be added, however at a cost.
Up to 1
Up to 4
Up to 9
Up to 1
Dishonour Fee
$9
$6
Charged each time a cheque or Direct Debit payment is dishonoured
Overlimit Fee
$30
Rewards
Bonus Points
The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs.
70,000
Earn 70,000 bonus Qantas Points when you apply for a new St.George Altitude Platinum card and spend $1,500 or more on eligible purchases within 90 days of card approval.
60,000
Earn 60,000 bonus Qantas Frequent Flyer points when you spend $3,000 within 90 days of card approval
20,000
Earn 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of card approval
30,000
Receive 30,000 bonus Qantas points when you apply online, are approved, and spend $3,000 on your new card within the first 3 months.
75,000
Earn 75,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Platinum credit card when you spend $2,500 on eligible purchases in the first 3 months from approval.
30,000
Earn 30,000 bonus points when you spend $2,500 on eligible purchases within 60 days of you account being activated
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
0.5 points per $
0.5 points per $
0.5 points per $ on eligible purchases
1 point per $
Earn 1 Qantas Point for every dollar up to $1,000 then 0.5 points thereafter capped at 7,500 points per statement period
1 point per $
Earn 1 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent
Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia
0.75 points per $
Earn 0.75 Qantas Points per $1 spent on eligible purchases up to and including $3,000 per statement period then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period
0.66 points per $
0.66 points per $ on eligible purchases capped at 3000, then 0.34 points per dollar capped at $6,000
Eligibility
Minimum Income
$30,000
$40,000
$40,000
Minimum Age
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
18 years of age or over
Temporary Resident Application
No
Yes - conditions apply, see bank site for details
No
Yes - conditions apply, see bank site for details
Long term visa required (12 months or more), does not include student visa
Yes, conditions apply
Must have more than 9 months available on Visa
Joint Application
No
No
No
No
Extras
Travel Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
Yes
Overseas travel insurance for persons up to and including 80 years of age
Interstate flight inconvenience insurance
Transit accident insurance
Rental vehicle excess in Australia insurance
Yes
Domestic & international travel insurance
Rental vehicle excess cover
Transit accident insurance
Yes
Medical emergency expenses cover
Transport accident cover
Travel cancellation cover
Baggage, money & documentation cover
Yes
International Travel Insurance
Interstate Flight Inconvenience Insurance
Rental Vehicle Excess in Australia
Transit Accident Insurance
Yes
Overseas travel insurance
Transport accident insurance
Interstate flight inconvenience insurance
Domestic hotel burglary insurance
Purchase Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes
Extended Warranty Insurance
Yes
Purchase security insurance
Price guarantee cover
Extended warranty insurance
Yes - terms, conditions, limits and exclusions may apply, see product site for details
Extended warranty insurance
Gauranteed pricing scheme
Purchase protection insurance
No
Yes
Purchase Protection Insurance
Extended Warranty Insurance
Guaranteed Pricing Scheme
Yes
Purchase protection insurance
Extended warranty insurance
Price protection insurance
Concierge Service
No
Yes
24/7 Concierge Service
Yes
Yes
Automatic Card Repayments
Yes
Additional Extras
Yes
2 Airport lounge passes each year (LoungeKey)
Visa Premium Benefits
Yes
$150 back when you spend $2500 on eligible purchases within the first 3 months
Yes