??!

Pros

  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

Cons

  • Generally fewer sign-up bonus points compared to other cards



  • Low Interest-Free Period (44 Days)

Reviews

(27)
(19)
(1)
(1)
(2)
  • Transparency
    4.5 (35)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Card / Account Used For
    • Everyday Expenses (29)
    • Online Shopping (21)
    • Special Purchases (11)
    • Overseas/Travel (7)
  • Application Process
    4.7 (32)


utao

utaoSydney, NSW

  • 3 reviews
  • 3 likes

problem free but would expect more vendor endorsement

published

I have been using this credit card for quite a few years and it became a main credit card for my family's routine transactions. It was generally problem free when used either in Australia or overseas. The transaction and payment functions are quite straight forward using Amex website or its app, but the app is not as sophisticated as those ones created by the big banks. It is easier to accumulate Qantas points than most visa and master cards but appeared to have less vendors accepting it or charging at a higher surcharge than its competitors. In general I would recommend if you are into gathering Qantas points.

Transparency
Customer Service
Rates and Fees
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Online Experience
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Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Special Purchases
See all answers

Boo

Boo

  • 17 reviews

Great card

published

Service is really good. They were able to answer all of my questions easily before I applied for the card. Easy process with friendly staff. Fees and charges reasonable. Happy with card.



Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateMarch 2018
Card / Account Used For
  • Everyday Expenses
See all answers
Lama

LamaDarwin, NT

  • 6 reviews
  • 2 likes
  • Verified customer

Very handy with bonus FF points.

published

There has been no fees with this credit card which is an absolute bonus (as long as the full balance is paid in time monthly). Qantas frequent Flyer points are earned on purchases at a better rate than lots of other cards. Was a little bit of mucking around to set up direct debit, etc but was all worth it in the long run.

Transparency
Customer Service
Rates and Fees
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Online Experience
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WOMBATEOUS

WOMBATEOUSGreater Melbourne (Metropolitan), VIC

  • 14 reviews
  • 1 like

Great customer service!

published

When my old c/c fees jumped to $150, after 38 years with them decided to look for a no-frills card and came upon this AMEX card. No fees, accumulates Qantas points, and on the 2 occasions I've had to contact their customer support, have always been VERY satisfied with their responses. I find now that unlike years ago, most larger retailers accept them with no extra charges, so I back up with a debit card. Would highly recommend.

Transparency
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Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

Bob

BobQueensland

  • 8 reviews

Ideal for what I need - bonus is the Qantas points

published

I got the Amex Qantas card initially because most car hire companies want a credit card for their deposit. But now I use it for most purchases. In the past Amex was not accepted in many places, but now it is accepted almost everywhere (but not Aldi so we now shop at Coles/Woolies). Unlike Diners which is still not generally accepted, Amex has changed and the card is accepted in many more places than I knew about.

Transparency
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Card Start DateMay 2022
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

MD05

MD05Sydney

  • 5 reviews
  • 1 like

Great Card with no fee

published

Great card for earning Qantas frequent flyer points. Have also had access to other amex promotions such as Shop Small. No issues with using this card overseas and fx rates were quite good.

Transparency
Card / Account Used For
  • Everyday Expenses

The reviewer stated that an incentive was offered for this review


Jono

JonoNorth-West & West coast, TAS

  • 5 reviews
  • 1 like

Fee free credit card!

published

No annual fee on this card and Qantas frequent flyer points makes it very attractive. Very easy to use website and some really great offers and rewards. Only down side is that unfortunately not all businesses accept American Express

Transparency
Customer Service
Rates and Fees
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Card Start DateJune 2013
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
See all answers

The reviewer stated that an incentive was offered for this review


Stefan G

Stefan GPort Douglas

  • 5 reviews
  • 1 like
  • Verified customer

Free, reliable, good value, easy to use

published

The American Express web portal is modern and fairly easy to use. The card has $0 annual fee and Qantas Frequent Flyer points, you'll also gain access to credit card statement offers amongst other things. As long as you can afford it this card is a no brainer, earn points and discounts and pay $0. Customer service are professional and can be contacted via your internet banking service. The point earning rates have decreased but it's still a good card overall.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2013
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
See all answers
Rick

RickSydney, nsw

  • 60 reviews

I earn .05-.07 Qantas frequent flyer points for every 1 dollar spent

published

I earn .05-.07 Qantas frequent flyer points for every 1 dollar spent fee free not bad. Only downside is that many businesses don't accept this card due to having a high interest charge. Those that do accept I find It is a pain having to ask each merchant if they pass on the fee or not so I can choose to use American express vs another card. The free ff points are the only reason I use this card otherwise I would not bother, I guess I am rewarded for the head ache of using Amex.

Card Start DateJanuary 2016
Card / Account Used For
  • Everyday Expenses
D_p

D_pMelbourne

  • 8 reviews
  • Verified customer

Great no fee card

published

Great due to having no annual fee. Still able to accumulate FF points and participate in Amex offers for savings.
Do not use balance transfers, can't comment on that.
Supplementary card is also free, have used for years without issue. Customer services is also great on the phone.

Transparency
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Main Point of ContactPhone
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  • Everyday Expenses
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Celeste

Celeste

  • 9 reviews
  • 1 like
  • Verified customer

No annual fee but still earn points

published

I switched to this card from another AMEX which had an annual fee. This one doesn’t and I can still earn Qantas Frequent Flyer points - perfect! The AMEX app and website makes making payments very easy.

Card Start DateDecember 2018

Julie Pham

Julie PhamCanberra 2600, ACT

  • 6 reviews
  • 2 likes
  • Verified customer

No annual fees, earning Qantas points

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2018
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Special Purchases
See all answers

Angie

AngieSydney, NSW

  • 10 reviews
  • Verified customer

I mainly use this card when there is good amex offer

published

This free amex is very handy especially when there is a good monthly amex offer such as retail shops or restaurant. The app is very handy, will recommend to anyone who wants to utilise the amex deals

Transparency
Customer Service
Rates and Fees
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Online Experience
Application Process
Card Start DateApril 2016
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
See all answers

Susan N.

Susan N.Sydney, NSW

  • 6 reviews
  • Verified customer

AMEX Statement Credits

published

Card allows 0.75 to $1 for purchases, bonuses are the statement credits every now and then for different brands/services. I.e. Spend $10, get $10 back on Deliveroo which you need to opt into. Overall happy with the card. Downside is the surcharges on AMEX

Transparency
Customer Service
Rates and Fees
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Card Start DateSeptember 2017
See all answers

The reviewer stated that an incentive was offered for this review

Bob K.

Bob K.Sydney, NSW

  • 2 reviews

Accepted in more stores. Collect Qantas FF Points

published

This credit card by AMEX attracts no annual fee and good to collect Qantas FF points. The card is not accepted in more stores, just make sure you ask the store attendant if there is a surcharge fee for the transaction.

Card Start DateJanuary 2009
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
Luke C

Luke CSydney Surrounds, NSW

  • 9 reviews
  • 2 likes

Perfect card with no Annual fee!

published

I love my Amex Qantas Discovery, I use it for all my everyday purchases, earn qantas points and don’t have to worry about paying any annual fee. I am a student with a below average income so this was perfect for low spending and the income requirements are lower. I love the 24/7 chat on their website too, very easy to make contact.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateSeptember 2018
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
See all answers

Joel D

Joel DLyneham 2602, ACT

  • 10 reviews

Great service. Good card for low-volume usage

published

I've been with AmEx for many years. I like this card because there is no annual fee. I don't have a high spend, so although the earn rate is lower than other cards, it's still good value for me. Other perks are that every now and then you can get offers to get a cashback on certain sorts of purchases.

When I have had the occasional issue, I've also been impressed by the service and customer support. This has included issues around repayments or suspect charges.

Transparency
Customer Service
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Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers

The reviewer stated that an incentive was offered for this review


Debo

DeboSydney, NSW

  • 7 reviews

The best lifetime free credit card

published

I am using this card for over 2 years now.
Pros :
- No annual fee ever
- 1 Qantas point for each dollar spent
-High credit limit

Cons:
None
I would recommend anyone to use this card as it doesnt cost a penny and gives a lot in return

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateSeptember 2017
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers

The reviewer stated that an incentive was offered for this review


Bec

BecSouth West, WA

  • 2 reviews
  • 1 like

Happy with it!

published

No annual fee is a big plus. 44 days interest free means good management helps avoid any extra costs. The app is easy to use and keep an eye on things. The FF points with QANTAS are a good incentive to use it. Only downside really is how guilty I feel using it as I’m not sure how well they treat merchants. Given the number of places that refuse to accept it...I’m guessing they slug vendors. I avoid using it with small businesses but happily wave it around with the big end of town!

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

Kitty C

Kitty CMelbourne

  • 3 reviews
  • 1 like

Best No Fee Credit Card

published

I have been using this credit card for more than 5 years and highly recommended it. No annual fee and every dollar you spent will convert to Qantas Frequent Flyer points. During the last few years, a lot of restaurants and shops are accepting payment from Amex. Most supermarket, department stores, petrol stations and even Maccas are accepting AMEX card. I always use this card whenever I can to collect more points, paying them in full monthly will not incur any interest so win win. Love it!


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Questions & Answers

Andrew W.

Andrew W.asked

Can you access cash from a amex discovery card

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Gracieasked

Does Qantas Discovery card have travel insurance included?

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Gracieasked

Is travel insurance included with The Qantas American Express Discovery Card?

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