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Card Overview
Key Attributes
Earn
Qantas Points per $1
Up to 3.25 Points
on selected Qantas products and services in Australia.
2 Points
on international spend.
1.25 Point
on domestic spend up to $12,500 per statement period, then 0.5 Points.
Travel Benefits
Travel Insurance
Complimentary domestic and intl. travel insurance.
Qantas First Lounge
2 complimentary Qantas First lounge invitations and 2 Qantas General lounge invitations each year.
Fare Discount
10% discount on eligible Qantas flights (domestic and intl.) booked through the Qantas Money Titanium concierge. Up to two bookings per anniversary year for two people.
Bonus Status Credits
Earn an additional 20% Status Credits on all eligible Qantas flights.
Points Cap
Yes
1.25 Points per $1 up to $12,500 per statement period; then 0.5 Points after.
Annual Fee
$1,200 p.a.
ATO Points
No
Overseas Transaction Fee
3%
of converted amount
Interest-free Period
Up to 55 days
Purchase Rate
20.99% p.a.
Cash Advance Rate
21.99% p.a.
Why Choose This Card
If you really want to level up your flying with Qantas, the Qantas Money Titanium provides unmatched benefits. We love that this premium card comes with a unique bonus of 20% extra status credits on Qantas operated and marketed flights, supercharging your Qantas status earn.
With best-in-class earn rates for Qantas Points, an extra 2 Points per $1 on Qantas products and services and a massive sign-up bonus, this card will build your Points balance quickly.
You’ll also have plenty of relaxing before your flights, with four included lounge passes including two First Class lounge passes, getting you access to the iconic Qantas First lounges in Sydney, Los Angeles and Melbourne (with Neil Perry-designed menu included).
Other benefits such as travel insurance, 10% discount on up to 2 bookings per year and Qantas Premium Wine membership all complement the value that this card provides.
If you’re a frequent flyer of Qantas and aim to power up your Qantas experience, the Qantas Money Titanium card provides benefits that could easily offset the annual fee.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 150,000 bonus Qantas Points take you?
You could redeem them for the following:
Wake up over the Mediterranean
Fly one-way from Perth to Athens, Rome, Vienna or Venice in Emirates Business Class for 130,100 Points. Taxes and carrier charges apply**.
Comfort that goes the distance
Fly return from Sydney to Singapore in Qantas Premium Economy for 123,200 Qantas Points. Taxes and carrier charges apply**.
Extra Benefits
Complimentary Insurance
Intl and Domestic Travel Insurance, Rental Vehicle Excess Cover, Trip Cancellation and Amendment Cover, Resumption of Long Overseas Trip Cover (T&Cs apply).
Qantas Wine Membership
Complimentary Qantas Wine Premium Membership (valued at $99 per year)
Concierge Service
Get 24/7, 7 days a week travel and lifestyle services assistance with NAB Service.
Mobile Wallet
Apple Pay and Google Pay.
The Qantas Money Titanium Credit Card is currently offering 150,000 Qantas Points* to new cardholders. You must spend $5,000 or more in the first 90 days to get the bonus points. An annual fee of $1,200 includes several perks that money can’t normally buy.
This guide closely examines the card to determine whether it could work for you.
Who is the Qantas Money Titanium card geared towards?
This Card is a niche offering targeted to frequent buyers. With an annual fee of $1,200 and a minimum income eligibility of $200,000, this card is not for everyone. If you apply for this Card, make sure to give it a good daily workout to extract the most value.
Also, maximising the use of Qantas products and services where you can further maximise value.
The Qantas Money Titanium card appears to target a demographic that would otherwise seek out the American Express Platinum Card. It should be no surprise that this card also sports a metallic look similar to the Amex Platinum.
To a lesser extent, it also competes with the Citi Prestige card.
The Qantas Money range also includes the Qantas Money Platinum and the Qantas Money Everyday card. All cards are issued by NAB on behalf of Qantas Money.
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.
Qantas Money Titanium card details
Card Details
| Card | Qantas Money Titanium card |
| Loyalty Program | Qantas Frequent Flyer |
| Points earned from spend | Up to 3.25 Points on selected Qantas products and services in Australia 2 Points on international spend (uncapped) 1.25 Points on domestic spend up to $12,500 per statement period, then 0.5 points |
| Points Cap | Up to $12,500 (10,000 points) per statement period, then 0.5 Qantas Point per $1 thereafter |
| Earns points at ATO | no |
| Insurance included | Travel Insurances (T&Cs apply) |
| Overseas transaction fee | 3% of the transaction amount |
| Minimum Income | $200,000 p.a. |
| Mobile wallet | Apple Pay & Google Pay |
| Annual fee | $1,200 p.a. |
Earn Rates
The card earns at the following rates:
| Per statement period | Qantas Points/$ |
|---|---|
| up to $12,500 | 1.25 Points |
| above $12,500 | 0.5 Points |
There’s also an additional 2 bonus Points per dollar for spending on Qantas products and services. This includes flights booked through qantas.com and Qantas Club membership. There is also a higher earn rate of 2 Qantas Points per dollar for overseas purchases.
The earn rate per dollar spent up to $12,500 per statement period is the most competitive in the market. And the earning cap per statement period is reasonable. But it’s a shame that above $12,500, the earn rate significantly drops to just 0.5 Points per dollar spending.
Therefore, this card is best suited to those looking to spend near the $12,500 threshold limit per statement period.
There are a few things to consider here:
- The Qantas Money Titanium Credit card is a Mastercard, meaning that it is currently accepted in more locations than Amex
- However, the Qantas Money Titanium card is also a direct-earn card. Therefore, your points are funnelled to your Qantas Frequent Flyer account automatically at the end of each statement period. As such, you are ineligible to participate in bonus promotions for manually transferring your reward points to Qantas. Such promotions are possible with the American Express Rewards Cards.
Please note the card terms and conditions and the rewards terms and conditions.
Also, note the definition of an Eligible Transaction. The definition does not include transactions from operating a business or from government transactions, including paying the ATO. The full definition can be found in the Qantas Money Credit Card Rewards Terms and Conditions.
Bonus Status Credits
The card also earns an additional 20% Status Credits on all eligible Qantas flights.
Note the following conditions regarding the bonus status credits:
- Bonus Status Credits are only earned on Qantas-operated and marketed flights. These flights must be booked using the Qantas Money Titanium Credit Card
- The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership. Nor can a Platinum One member use the status credits to retain the Platinum One membership status.
- Bonus Status Credits will not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, Platinum One Member additional benefits. And they will not be earned in conjunction with other Status Credit promotions unless otherwise specified.
There are five membership tiers in Qantas Frequent Flyer, from lowest to highest:
The ability to earn bonus Status Credit from the Card can help you qualify for elite status:
| Status | Without Qantas Titanium card | With Qantas Titanium card |
|---|---|---|
| Silver | 300 | 250 |
| Gold | 700 | 584 |
| Platinum | 1400 | 1167 |
| Platinum One | 3600 | 3600 |
And here are the numbers you need to maintain your status:
| Status | Without Qantas Titanium card | With Qantas Titanium card |
|---|---|---|
| Silver | 250 | 209 |
| Gold | 600 | 500 |
| Platinum | 1200 | 1000 |
| Platinum One | 3600 | 3600 |
Getting 20% status bonus may at first not seem so large. But the table above shows how it can be the difference between reaching the next status tier or not.
Make sure to read the Point Hacks beginner’s guide to Qantas Frequent Flyer Status and benefits.
Lounge Access
The Card come with two Qantas First lounge passes. This is welcome, as it’s the only card in the market to do so. A further two Qantas Club or International Business Class lounge passes are offered. Therefore a total of 4 digital lounge passes are provided every year.
First Class lounge access
You can access Qantas’ First Class lounges twice per year. Therefore, you can enjoy the comfort of Qantas’ premier lounges in Sydney and the newer version of it in Melbourne. And you don’t have to be flying First Class!
Other Qantas lounge access
The Card gives you two single-entry complimentary lounge Invitations each year on your card anniversary. These lounge invitations can be used at domestic Qantas Club lounges or Qantas-operated International Business Lounges. But does exclude the Los Angeles Tom Bradley Terminal International Business Lounge.
You can view and transfer your invitations to any other Qantas member on the Qantas Complimentary Lounge Invitations page.
Qantas domestic and international fare discount
The Qantas Money Titanium card gives you a 10% discount on eligible Qantas flights booked through the Qantas Money Titanium concierge. This covers all domestic and international fare classes for up to two bookings per year for two people.
Eligibility
- Flights must be booked via the Qantas Money Titanium Concierge
- Flights must be paid for with your Qantas Money Titanium card
- Offer is available for any fare or cabin class
- Cannot be combined with other offers
- Limited to two times per year, for two people
Find out more about this feature here: Qantas Money Titanium features and benefits
Qantas Money credit cards Apple Pay & Google Pay support
Qantas Money credit cards now support Apple Pay & Google Pay, meaning you can now use their cards on your compatible device for easier payments.
Summing Up
The Qantas Money Titanium Credit Card is definitely a unique proposition in the market. It definitely offers Qantas benefits not seen in other cards. For this reason, the Card is likely to be quite well regarded by frequent flyers solely dedicated to Qantas. The 20% status bonus on flights will especially be beneficial for these flyers, providing a shortcut to elite tier status.
With an annual fee of $1,200 per year, however, you need to ensure that you are specifically loyal to Qantas. Otherwise, you may not maximise the Card’s benefits. If you like to spread your travel around multiple airlines, this Card may not be for you. But if Qantas is your go-to airline and you are a genuine frequent flyer, then plenty of benefits can be gained by having this card in your wallet.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
-
Have a good credit history and no payment defaults
-
Minimum income recommended $200,000 p.a.
-
To be eligible for the bonus offer, you must not hold, or have held, any personal Qantas Credit Card in the last 24 months.
Frequently Asked Questions
Is there a cap on the number of Points I can earn?
You’ll earn the full rate of 1.25 Points per $1 up to $12,500 per statement period, while you’ll earn a reduced rate of 0.5 Points per $1 after this amount.
What lounge access is included with this card?
You get 2 general lounge passes for use in Qantas Clubs and Qantas International Business lounges, and 2 First Class lounge passes for use in Qantas Domestic Business lounges and select Qantas International First lounges.
How do I redeem my Qantas Frequent Flyer Points?
You can use your Qantas Points for a range of rewards, from flights, hotels and even wine or fuel purchases. The best value rewards tend to be flights or flight upgrades via Classic Rewards. Read our guide of best uses of Qantas points here.
Does this card include travel insurance?
Yes, complimentary domestic and international cover is available when you pay for your trip with the card.
How does the discounted fares work?
The Discounted Fares Benefit is available for up to two adults, two children and two infants per booking, twice per year on domestic and international flights operated by Qantas and QantasLink. The booking must be made via the booking portal available via your Qantas Money Credit Cards App or Online Access and you must pay for the booking in full using your Qantas Money Titanium credit card.
How is the status credit bonus applied?
The bonus 20% status credits are applied on the base earn of status credits on eligible Qantas marketed and operated flights booked via Qantas. Note that the bonus status credits cannot be used for Platinum One status, nor do they count towards Lifetime Status, Loyalty bonuses or the Platinum Bonus Reward.
Terms and Conditions
Credit Provider Disclaimer
Include credit provider: 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.
* Bonus Points
Offer commenced 11 February 2019. To be eligible for up to 150,000 bonus Qantas Points, you must apply for a new Qantas Money Titanium Card before the offer is withdrawn. 150,000 bonus Qantas Points will be awarded when $5,000 or more is spent on eligible purchases within 90 days of 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. Bonus Qantas Points will ordinarily be credited within 2 months of meeting the spend criteria. All rewards are subject to the Qantas Money Credit Card Rewards Terms and Conditions. Your 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.
** Classic Flight Rewards
Classic Flight Rewards are available on Qantas, Jetstar and eligible partner airlines. These seats are subject to capacity controls and availability is limited—some flights may not have any Classic Flight Reward seats available.
The number of Qantas Points required, as well as taxes, fees and carrier charges, are accurate as at 15 Oct 2025 but may vary at the time of booking.
Status Credits and Qantas Points will not be earned on Classic Flight Reward bookings.
Classic Flight Rewards must be booked via the Qantas website or other authorised booking channels. Some flights may be operated by a partner airline and different baggage allowances and conditions may apply.
Changes to or cancellations of Classic Flight Rewards are subject to the rules outlined in the Qantas Frequent Flyer Terms & Conditions, including change/cancellation fees and any fare or points difference if applicable.
For full terms and fare rules visit the Qantas Frequent Flyer website at Classic Flight Rewards.