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American Express Qantas Discovery Card (Annual Fee $0)

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Update 15/04/19:

  • Amex earn rate changes take effect. See Amex Qantas Discovery Reward Changes for full details.
  • Amex once again offers bonus points for an applicant applying via a referral link (this has been abolished for a period).
    Receive 10,000 Qantas points when you apply online, are approved and spend $750 in the first 3 months of Card Membership. This offer is available to new Card Members only.

Key Benefits

  • No annual fee

  • Earn points :

    • 0.75 Qantas Point for every $1 spent on Card purchases (except government spend).

    • 0.5 Qantas Point for every $1 spent on government services in Australia.

    • 1.75 Qantas Point for every $1 spent on eligible Qantas products and services.

  • 0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies.

  • No cap on the amount of Qantas Points you can earn, plus we'll transfer your points straight to your Qantas Frequent Flyer account each month.

  • Up to 4 free additional cards for family or friends

  • Eligible for Amex cashback offers and Shop Small promotions.

  • Refund Protection means we'll credit your account if you're refused a refund on an unused eligible item within 90 days of purchase

  • Purchase Protection repairs or replaces eligible items if they are accidentally broken or stolen within 90 days of purchase

  • With our Online Fraud Protection Guarantee you won't be held responsible for any unauthorised charges online as long as you notify us immediately upon discovery of the fraudulent transactions

  • Can redeem Qantas Points for Classic Flight Rewards with Qantas and over 50 partner airlines and their affiliates

  • Eligibility: annual income of $35,000 or more

Note

  • If Qantas points are not used for flights, but for supermarket gift cards, then the Amex Essential Card gives higher value and is more flexible. Detailed post is here.

  • Reward percentages - if redeeming supermarket/retail gift cards:

    • Qantas Discovery - via Qantas AutoRewards : 0.5% ($20 for 3000 Qantas points), redeem supermarket egift card : 0.395%, other retail cards - in-between (e.g. david jones 0.472%)

    • cf. Amex Essential : 0.625%

Referral Links

David Jones Card: random (47)

Referrer: 15,000 Reward Points
Referee: 25,000 Reward Points with 3 purchases outside DJ in 1 month

David Jones Platinum Card: random (9)

Referrer: 30,000 Reward Points
Referee: 40,000 Reward Points with 3 purchases outside DJ in 1 month

Related Stores

American Express
American Express

closed Comments

  • +6 votes

    Normal price.
    Next.

  • +2 votes

    nothing special

  •  

    I believe rewards value for this card will be increasing due to new bank reforms. ANZ are leaving Amex but some stand alone Amex cards will have improved rewards value, the Discovery is one of the three Amex cards which will have higher rewards value.

    • +2 votes

      I was just reading an article earlier and I think the Discovery card is staying the same. The only cards that are getting increased points are those with annual fees.

      •  

        Actually, there were already tweaks to reduce points, taking effect as of today.
        For spend on government, it has been reduced to 1/2 point, used to be 1pt/$, and the specific Qantas products used to be 2 points, but now 1.

        So perhaps, as you say, the ones likely to get increase will be the ones with fees.

        • +1 vote

          specific Qantas products used to be 2 points, but now 1.

          The way it's worded still looks like you get 2 points per dollar for Qantas purchases, note the "earn 1 additional Qantas point".

          Earn 1 Qantas Point 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

          https://www.americanexpress.com/au/content/frequent-flyer-ca...

        •  

          @bonezAU: You are quite right. Thanks for pointing this out :-) Crucial bit is the additional point. The government bodies earn rate has definitely reduced though, I received a letter to this effect and posted about it here.

  • +2 votes

    Decent card for the sole reason of getting access to Amex Cashback and Shopmall offers.

    • +1 vote

      Yes, I think so. Although Amex Essential is my primary everyday card, I have this card, to broaden my opportunities for cashback offers. I often find some offers appear on one card but not the other. So, having an additional card has certainly helped.

  • +2 votes

    So I'm only 14, am I aloud to get this and get all the features out of it? I'm on a youthsaver with no costs atm. So any recondmendations?

    •  

      No, you need to be aged over 18 to apply for the card. Too young! :-)
      I am not sure whether at your age, you can apply for any credit cards, to be honest.

      •  

        Ok cheers, what about a online card? Like you pay for stuff online

        •  

          You can always use your own money, then buy a prepaid card, such as the Only 1 Visa from supermarkets. There is a fee for this card, but occasionally, supermarkets waive this fee.

        •  

          @bluesky: how can I use one of those online?

        •  

          @Lockster: When buying the card, you load it with funds, then use it to pay for things when buying online. Another possibility is a debit card, attached to a bank account. It seems even under 18's may be able to get one, if the bank account is joint with a parent. Have a look at this thread for some discussion on this.

        •  

          @bluesky:
          Do you know which is cheapest reloadable prepaid card currently or where i can find out? primarily for internet purchases. thanks

        • +1 vote

          @dingdong3000: The popular one is Coles Reloadable Mastercard, but it has recently been discontinued. For reloadable options, here are the ones that easily come to mind:

          • Qantas Cash. It is a travel/prepaid Mastercard that you can load, not just AU currency but other currencies. And you even earn Qantas points for purchases. On my Qantas frequent flyer card, one side is the frequent flyer, the other is Qantas Cash.

          • GlobalWallet - is Velocity's version of travel card. I do not know many details (re fees, conditions etc) about it, since I have not used it before.

          With the above, not sure if you also need to join their frequent flyer programme as well.

          Otherwise, there are offers now and then on one-use prepaid cards. For e.g., the latest one is in this post - but you can only benefit if you happen also to be a Flybuy member.

          Hope this helps.

    • +8 votes

      I applaud you for scouring OzBargain for deals at 14.

  • +3 votes

    This is neither a deal or a bargain.

  •  

    Is there a discussion on OzBargain on the relative advantages of the different Amex cards (or a simple comparison table/chart of sign up/minimum spend bonuses)?

    I've seen David Jones heavily advertise their one in-store and you can get some pretty good discounts and intro inclusion of 30,000 membership reward points

    edit: Just noticed the referral links, I guess it's horses for courses but does any current Amex promotion stand out to other ozbargainers?

    Platinum Edge seems a pretty good option, if I close off the card after the 12 months am I then able to apply for a Qantas or DJs Amex? (n00b question I know)

    • +2 votes

      This page does not give the kinds of comparisons you have in mind, however, it could be a good starting point for someone who feels overwhelmed by the Amex card choices. It gives some ability to narrow the cards by high-level features, by selecting the features of interest on the left-hand side, e.g. travel insurance, lounge access, annual fee, reward programme etc.

      Once the selection is narrowed somewhat, hopefully, it becomes more manageable to delve into the cards which are of interest.

    •  

      Check out the Explorer card.

  • +2 votes

    This is the normal price.

    Maybe you could post this on OzNormalPrice.

  • +2 votes

    good deal, but not a bargain. move to forum, please..

  •  

    10,000 Qantas Points for the referrer DOESN'T WORK .

    •  

      If you have referred someone, and that someone has his/her application approved, but you did not get the 10,000 points, it is worth calling Amex up, and they will very likely manually credit you the points.

      I still see this being advertised when I logon :-

      Refer Friends. Get Rewarded.
      You can receive 10,000 bonus Qantas Points for each successful referral.

      •  

        I see, I'd click your link i'd see it 10000 bonus points but I didnt sign up straight for some reason Id restart my laptop and click your link again and its gone.

        •  

          Did you click "Show 10 more" in the referrer section at the top of this post, and then choose the Qantas Discovery card?

        • +1 vote

          @kiwiic3:

          Contact Amex then as suggested above

        •  

          … but I didnt sign up straight for some reason Id restart my laptop and click your link again and its gone.

          Hi kiwiic3, if you are signing up, then you are the referee. The person whose link you use to sign up is the referrer. (Initially, I thought you had referred someone). Unfortunately, Amex has removed the bonus points for the referee.

          In the past, both referrer and referee would get points, but now only the referrer will get the 10K points. Perhaps they should have it shared among both parties, would seem fairer that way.

          Hope this helps, and I have not misunderstood your situation.

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