---
title: "The Qantas American Express Ultimate Card — American Express"
description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/american-express/products/24661db6-5c63-48e3-9267-cfa85aef6e27
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-09T05:00:00.000Z
---

# The Qantas American Express Ultimate Card — American Express

> Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The Qantas American Express Ultimate Card comes with excellent benefits. Receive a Qantas Travel Credit every year, enjoy airport lounge access, complimentary travel insurance and earn Qantas Points with every dollar spent.

## At a glance

- **Purchase rate:** 23.99%
- **Annual fee:** $450.00

## Apply

Applications are handled by the provider: [Apply at American Express](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Interest rate applied to outstanding balances not paid in full by the due date.) | 23.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly | Ongoing | $450.00 |
| Additional Card Fee — Charged yearly · Applies to the first 4 Additional Cards | Ongoing | $0.00 |
| Late Payment Fee — When you do not pay the minimum payment required by the due date as shown on your statement. | Event | $30.00 |
| Dishonour Fee — $6 for each dishonour or debit rejection. | Event | $6.00 |
| Record of Charge Fee — $7 for charges in Australia, $10 for other charges | Event | $7.00 |
| Additional Statement Fee — Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account. | Event | $10.00 |
| Currency Conversion Fee — 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Over the Counter Fee — $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |

## Features

- **Additional cards** — up to 4 (Add up to 4 Cards at no additional fee.)
- **Bill payment (BPAY)** — Ways to pay your bill
- **Bonus rewards** — New Card Member Offer
- **Digital banking** — Amex App (The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Fraud protection** — Fraud Protection (Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.)
- **Instalment plan** — Plan It Instalments (A flexible way to pay off a selected amount or portion of your Credit Card balance in equal monthly instalments. Subject to fees.)
- **Insurance included** — Complimentary Travel Insurance (Terms, conditions, cover limits and exclusions apply.)
- **Insurance included** — Card Purchase Cover (Card Purchase Cover, covering eligible items purchased with your Card)
- **Insurance included** — Card Refund Cover
- **Interest-free period** — 44 days (Up to 44 days)
- **Loyalty program** — Earn Qantas Points (2.25 Qantas Points on eligible Qantas products and services per $1 spent.
1.25 Qantas Points on everyday purchases, except spend at government bodies in Australia where you'll get 0.5 Qantas Points per $1 spent.
After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.)
- **Notifications** — Payment due reminder
- **Notifications** — Spend tracking notification
- **Notifications** — Payment received alert
- **Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.** — Amex Offers
- **Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.** — American Express Experiences
- **Enjoy two American Express Lounge passes per year at Sydney and Melbourne airports.** — Centurion Lounge Access
- **Your Qantas American Express Ultimate Card gives you two complimentary single entry invitations to the Qantas Club Lounge at selected domestic and international airports, each membership year after your first spend on selected Qantas products and services.** — Qantas Lounge Access
- ** Earn 3 points per dollar spent on all Qantas Wine purchases
Complimentary Qantas Wine delivery within Australia (exclusions apply)** — Complimentary Qantas Wine Premium Membership
- **Enjoy a $450 Qantas Travel Credit each Membership year to use on eligible domestic and international Qantas flights. Use your annual Qantas Travel Credit to book online with American Express Travel Online.** — Travel Credit
- **Dreaming of your next adventure? Turn dreaming into doing by redeeming your Qantas Points for a Classic Flight Reward with Qantas and their participating partner airlines. Your points can be used for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines and affiliates and over 1,300 destinations worldwide.** — Qantas Frequent Flyer

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — You are an Australian citizen or permanent resident or hold a long term visa. (Long term visa means 12 months or more and does not include a student visa.)
- **Additional Cards are available for any friend or family member 16 years and over** — Additional Card Min Age
- **Individuals only**
- ** Applications are assessed based on the information provided and are subject to credit approval.**

## Constraints

- **Minimum limit** — $3,000.00

## More information from American Express

- [Overview](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/)
- [Terms & conditions](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/)
- [Eligibility](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/)
- [Fees & pricing](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/)

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `24661db6-5c63-48e3-9267-cfa85aef6e27`
- Last updated by the provider: 9 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/24661db6-5c63-48e3-9267-cfa85aef6e27
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/24661db6-5c63-48e3-9267-cfa85aef6e27) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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