NAB Qantas Gold Credit Card

Moneybuddy says

If you want a credit card with Qantas Frequent Flyer rewards and you will usually spend less than $3,000 per month, then this card could be right for you. It also comes with extras like complimentary travel insurance and extended warranty that the standard NAB Qantas card doesn't.

The Basics

Card class MasterCard / AMEX

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Qantas Frequent Flyer points

Reward program details Total spent on eligible purchases per statement cycle (both cards). For the first $3,000 ($0 - $3,000): 2 points per $2 on American Express, 2 point per $3 on MasterCard. For the next $7,000 ($3,001 - $10,000): 1 point per $2 on American Express, 1 point per $3 on MasterCard. After the first $10,000 ($10,001+) - No further points with either American Express or MasterCard

Reward program terms -

Additional card holder Yes

Add. card holder details One additional card holder can be added for no cost

Purchase security Yes

Extended warranty Yes

International travel insurance Yes

Online access No

Phone access No

The Facts & Figures

Purchase rate p.a. 19.99%

Cash advance rate p.a. 21.74%

Introductory purchase rate p.a. -

Introductory purchase rate period (months) -

Introductory balance transfer period (months) 6

Balance transfer rate p.a. 4.99%

Introductory balance transfer rate p.a. 4.99%

Interest free days 44 days

Minimum repayment -

Min. credit $5,000

Max. credit -

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee $0

Late payment fee -

Atm fee -

Foreign exchange fees Yes

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NAB says

Two cards on one account – The American Express® card gives you maximum points earning and the MasterCard® card gives you added worldwide acceptance. Earn Qantas Frequent Flyer points with everyday purchases (up to $10,000 a month). Complimentary Qantas Frequent Flyer membership (required to earn points)Balance transfers at just 4.99% pa. for 6 months. Additional cardholder at no extra cost. (You stay responsible for all use of the account). Seven complimentary insurances - see NAB website for details. VIP Lost Card Cover, complimentary for the first 12 months.

Key features

Earn Qantas Frequent Flyer points for everyday spending
Two cards on the one account - Amex and MasterCard
$145.50 Annual fee
Complimentary extended warranty insurance
Complimentary travel insurance
Spend up to $3,000 per payment cycle and accrue 2 points per $2 on Amex and 2 point per $3 on Mastercard
Spend between $3,001 and $10,000 and get 1 point per $2 on Amex and 1 point per $3 on MasterCard
Spend over $10,001 and get no more rewards points