CARD FACT SHEET · QANTAS MONEY
Titanium
Qantas Frequent Flyer
The short answer
The Qantas Money Titanium carries a $1,200 annual fee, with no separate rewards programme fee published, and publishes a 150,000-point sign-up bonus requiring $5,000 of spend within 90 days.
Of the 5 spending patterns published here, 5 clear that minimum-spend hurdle inside the window. Footnote 1 awards the whole 150,000 on $5,000 of eligible purchases within 90 days of approval; there is no second instalment. Issuer states points are ordinarily credited within 2 months of the spend criteria being met.
- Annual cost, all in
- $1,200
- Sign-up bonus, advertised
- 150,000
- Paid on the stated spend
- 150,000
- Minimum spend
- $5,000
- Base earn rate
- 1.25 / $1
The record
| Field | Value |
|---|---|
| Issuer | Qantas Money |
| Card fee (AUD) | $1,200 |
| Rewards programme fee (AUD) | The issuer publishes none |
| Annual cost, all in (AUD) | $1,200 |
| First year, all in (AUD) | $1,200 |
| First-year terms | — |
| Sign-up bonus, advertised total (points) | 150,000 |
| Paid on the stated minimum spend (points) | 150,000 |
| Deferred to a later instalment (points) | — |
| How the bonus is paid | One instalment, on the stated minimum spend |
| Bonus currency | Qantas Frequent Flyer |
| Minimum spend for bonus (AUD) | $5,000 |
| Spend window (days) | 90 |
| Earn thresholds | Published ladder held — see the bands below |
| Foreign transaction fee | — |
| Published offer end date | — |
Earn rates by category
| Category | Points / $ | Currency | Cap notes |
|---|---|---|---|
| Everything else | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Supermarkets | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Dining out | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Fuel | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Utilities & insurers | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Overseas spend | 2 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. |
| Travel | 1.25 | Qantas Frequent Flyer | Issuer structure: 1.25 Qantas Points per AU$1 on Domestic Spend up to and including AU$12,500 each statement period, 0.5 per AU$1 above; 2 per AU$1 on International Spend; 2 additional per AU$1 on Qantas Spend. Travel is not itemised by the issuer; the domestic rate is shown, and travel billed as international spend earns the international rate instead. |
Where the rate steps down
The rates above are what the first slice of a period earns. Past the threshold the issuer pays less, so a heavy month earns proportionally fewer points than the headline suggests. Every months-to-a-seat figure on this site is computed through these bands.
| Band of eligible spend | Points per dollar | Spend it governs |
|---|---|---|
| First $12,500 | Published category rate | Everything else, Dining out, Fuel, Supermarkets, Travel, Utilities & insurers, Government & ATO |
| Above $12,500 | 0.5 / $1 | Everything else, Dining out, Fuel, Supermarkets, Travel, Utilities & insurers, Government & ATO |
A step-down lowers a rate and never raises one, so a category the issuer excludes outright keeps earning nothing above the threshold as well as below it.
- Issuer: "1.25 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$12,500 each Statement Period". International Spend earns 2 per AU$1 and sits outside this ladder.
- Issuer: "0.5 Qantas Points per whole AU$1 spent above AU$12,500 each Statement Period". The issuer states the earn is otherwise uncapped.
Does the bonus hurdle clear?
A published bonus is only real if the spending gets there. This compares the minimum spend against each pattern over the card’s own window. Clearing the hurdle releases the first instalment; where the advertised total is split, the rest is governed by a separate date rather than by this spend.
| Spending profile | Clears the hurdle? | Monthly points on this pattern |
|---|---|---|
| The Corporate Consultant | Yes | 8,000 |
| The Inner-North Couple | Yes | 7,250 |
| The Light Spender | Yes | 2,375 |
| The Overseas Regular | Yes | 7,350 |
| The Suburban Family | Yes | 8,625 |
Questions these rows answer
- Does the Qantas Money Titanium charge a rewards programme fee on top of its card fee?
- No such line appears in the issuer's own fee table, so the $1,200 card fee is the annual charge this site publishes for it.
- Is there a cap or an earn threshold on the Qantas Money Titanium?
- Qantas Money publishes a threshold rather than a hard cap. Within a statement period, the first $12,500 earns the category rates published above, then spend above $12,500 earns 0.5 points per dollar. Every months-to-a-seat figure on this site is computed through those bands.
- Is the 150,000-point bonus on the Qantas Money Titanium paid in one go?
- Yes. The advertised 150,000 points are paid as one instalment against $5,000 of spend within 90 days.
FIGURES COLLECTED 8 SEPTEMBER 2026 · SOURCE: PROVIDER PAGE
FINAL HUMAN VERIFICATION PENDING · CONFIRM FIGURES WITH THE PROVIDER BEFORE ACTING
UNTRACKED LINK · NO COMMERCIAL RELATIONSHIP. LIVE TERMS SIT WITH THE ISSUER.
View at issuerWHERE THESE FIGURES LEAD
Seats this card reaches soonest
- MEL to Auckland, economy3 mo on the Corporate Consultant pattern
- MEL to Denpasar, economy3 mo on the Corporate Consultant pattern
- MEL to Hong Kong, economy4 mo on the Corporate Consultant pattern
Other cards earning Qantas Frequent Flyer
- American Express Qantas UltimateAmerican Express
- ANZ Frequent Flyer BlackANZ
- NAB Qantas Rewards SignatureNAB
Run it on your own spending
- Months to a seat, on your monthly figuresThe same engine, your allocation
- Where these points transferEvery ratio, dated
- All card fact sheets7 active cards