Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 4 September 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the Qantas American Express Ultimate Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Bonus & Eligibility: To earn 50,000 bonus Qantas Points you must apply online by 28 July 2026, be approved, and spend $5,000 or more on eligible purchases on your new Card within the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. 50,000 bonus Qantas Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This offer is only available to new American Express Card Members. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer.  Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. $450 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at com/frequentflyer. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, fees and charges for traveller’s cheques and foreign currencies – these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions.
3. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions.
4. You will earn 0.5 point per dollar spent with Merchants classified as ‘government’, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
5. From 10 January 2024, once you have earned a total of 100,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 1 Qantas Point per $1 spent on everyday purchases. All other earn rates (Qantas products and services and government spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 100,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
6. As long as your account remains current and in good standing.
7. Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to the full Qantas Travel Credit Terms and Conditions at com.au/qantasultimate-travelcreditterms. The Qantas Travel Credit can be redeemed through American Express Travel Onlineon a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas Conditions of Carriage. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
8. You will be eligible to receive two Qantas Club Complimentary Lounge Invitations each anniversary year of your Qantas American Express Ultimate Card (Card) Membership, provided you: (a) register your Qantas Frequent Flyer number with your Card Account; and (b) make a purchase on selected Qantas products and services using your Card. Selected Qantas products and services are the purchase of (a) a Qantas passenger flight departing from Australia with a QF flight number purchased in Australian Dollars (AUD) directly from Qantas.com.au using your Card; or (b) using your Card to pay for joining or annual fees for Qantas Frequent Flyer or Qantas Club membership. Subject to Qantas American Express Card Points Terms and Conditions. Within 2 weeks of purchasing selected Qantas products and services, two Qantas Club Complimentary Lounge Invitations will be assigned to the Qantas Frequent Flyer account. In order to use your invitations, login to your Qantas Frequent Flyer Account or use the Qantas App to access your invitations and link them with an eligible Qantas flight booking prior to use (must be done at least 24 hours prior to your departure time). Each Complimentary Lounge Invitation is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must be used prior to expiry. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. Invitations may be revoked or withheld if your Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Complimentary Lounge Invitation Terms and Conditions, and the American Express Credit Card Terms and Conditions.
9. Centurion Lounge Australia Terms and Conditions: The following Terms and Conditions govern the entry to The American Express Centurion® Lounges at the Sydney
   International Airport and the Melbourne International Airport.
   1. Eligible Cards
   (a) The Cards listed below that are current and issued by American Express Australia Limited and American Express
   International (NZ), are eligible to enter The Centurion Lounges in Sydney and Melbourne:
   American Express® Centurion Card
   American Express® Platinum Card
   American Express® Platinum Card Plus
   American Express® Platinum Business Card
   American Express® Corporate Platinum Card
   American Express® Qantas Corporate Platinum Card
   American Express Explorer® Credit Card
   American Express® Business Explorer Credit Card
   American Express® Platinum Reserve Credit Card
   Qantas American Express Ultimate Card
   American Express ® Airpoints Platinum Card
   American Express® Elevate Premium Credit Card
   (b) Internationally issued American Express® Centurion and American Express® Platinum Cards that are current are
   eligible to enter the The Centurion Lounge.
   At the discretion of American Express, other American Express Card Members may also enter The Centurion Lounges.
   2. Access to The Centurion Lounge
   (a) American Express Centurion, American Express Platinum, American Express Platinum Business and American
   Express Corporate Platinum Card Members have complimentary access to The Centurion Lounges for each American
   Express Card Account and are entitled to bring their children 17 years of age or younger. Platinum Personal and
   Platinum Business Card Members may bring one (1) complimentary guest into The Centurion Lounge. Centurion and
   Corporate Platinum Card Members may bring up to two (2) complimentary guests into The Centurion Lounge.
   Additional Gold Cards and Additional Green Cards on your Centurion or Platinum Account are not eligible for
   complimentary access. Card Members wishing to bring additional guests will be subject to a charge that is to be
   processed on the Card Member’s American Express Card. Please refer to the reception desk at The Centurion Lounge
   for the applicable charges. If you have paid for additional guests and choose to visit multiple locations of The Centurion
   Lounge on the same day, guest fees will apply at each location.
   (b) All other eligible cards are entitled to a total of two entries into The Centurion Lounges in Sydney and Melbourne per
   calendar year (1st January to 31st December). The entries may be used by the Primary Card Member, Additional Card
   Member or a guest travelling with a Card Member. Complimentary access is available for the Card Member’s children
   17 years of age or younger. Card Members wishing to bring additional guests will be subject to a charge that is to be
   processed on the Card Member’s American Express Card. Please refer to the reception desk at The Centurion Lounge
   for the applicable charges.
   3. General Conditions of Entry
   (a) The Centurion Lounge at Sydney International Airport and Melbourne International Airport are operated by Plaza
   Premium Lounge Management (“Lounge Operator”). To access The Centurion Lounge, eligible Card Members must
   arrive within 3 hours of their departing flight. During a layover, all eligible Card Members (excluding Centurion) must
   arrive within 5 hours of their connecting flight. Same day round-trip itineraries are not considered connecting flights.
   Card Members will not be granted access to the lounge with a boarding pass for a flight that has landed at the final
   destination. All guests must be travelling on the same flight as the eligible Card Member (excluding Centurion). Upon
   arrival at The Centurion Lounge, eligible Card Members must present the following upon each visit: their valid American
   Express Credit or Charge Card and upon request, a boarding pass showing a confirmed reservation for a departing
   flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the
   Card. Failure to present this documentation may result in access being denied.
   (b) Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge
   visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages.
   Please drink responsibly.
   (c) The Lounge Operator reserves the right to remove any person from the lounge for inappropriate behaviour or failure
   to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other
   Card Members for access into our lounge is not permissible.
   (d) Access to The Centurion Lounges is subject to space availability. The Centurion Lounge hours may vary and are
   subject to change without prior notice. Amenities vary among The Centurion Lounge locations and are subject to
   change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the
   complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale.
   (e) American Express will not be liable for any articles lost or stolen or damages suffered by the Card Member or visitor
   inside the The Centurion Lounge.
   (f) If American Express®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in
   connection with lounge access in any way, we may remove access to The Centurion Lounge from your Account. Use of
   The Centurion Lounges is subject to all rules and conditions set by American Express and the Lounge Operator.
   American Express reserves the right to revise the rules at any time and may do so without prior notice but will provide
   advance notice of material changes where reasonably practical.
10. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Ultimate Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Ultimate Credit Card Insurance Terms and Conditionsand consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
11. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
12. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address (exclusions apply). Your premium membership will be valid for as long as you continue to hold your Qantas American Express Premium Card. Qantas Wine Premium Membership will be automatically applied within 2 weeks of Qantas Points being credited to your Qantas Frequent Flyer account from your first spend on your Qantas American Express Premium Card. You will receive email confirmation from Qantas about your Qantas Wine Premium Membership enrolment (excludes NT members). Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: NSW LIQP770016736, SA 57900154, NT IRL0201. Qantas Wine is operated by Qantas Frequent Flyer Operations Pty Limited ABN 22 132 484 210.
13. Delivery is subject to the Qantas Wine Terms and Conditions and available within Australia only (exclusions apply).
14. You will have up to 44 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
15. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions