Qantas AmEx Ultimate via Referral: 100,000 Qantas Points ($5,000 Spend in 3 Months), $450 Travel Credit, $450 Annual Fee

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Qantas AmEx Ultimate via Referral: 100,000 Qantas Points ($5,000 Spend in 3 Months), $450 Travel Credit, $450 Annual Fee
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ninja2042 on 15/01/2025 - 00:33 americanexpress.com (2414 clicks)
Last edited 15/01/2025 - 20:47 by 1 other user

This is NOT available on Amex's website but is by referral - obtain a random referral here or find it listed in the referral box below.

The referrer gets 40k points.

Card benefits include:

  • a $450 Qantas travel credit each year (for Qantas flights booked via Amex Travel)
  • 2 Qantas lounge passes after you book a flight with Qantas directly
  • 2 Amex lounge passes (for Melb and Syd international)
  • travel insurance
  • Qantas Wine premium membership
  • 4 free supplementary cards

Annual fee: $450

New Amex cardholders only. You must not have held a card issued by Amex Australia in the last 18 months.

Referral Links

Business Explorer Card: random (6)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (9)

Referee gets 200,000 MR points. Referrer gets 150,000 MR points.

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Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points Travel Credit

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Comments

        • onceupon8 on 15/01/2025 - 04:16
          +5

          I just think that it’s going too far and acting self-entitled to make an AFCA complaint for being rejected for a credit card. And even more so with a reason because they don’t ask for proof of income. That is a positive and makes the Amex application so easy. Most of us churners know that banks don’t need to give a reason for rejection. There are people with genuine complaints and resources are being taken away from them. Your PSA is valid about Amex becoming harder for churners.

          • alcadive on 15/01/2025 - 07:08
            +14

            @onceupon8: I reckon having a rejection on your credit history that has nothing to do with your financial situation is a genuine complaint.

            • illusion99 on 15/01/2025 - 09:35
              +1

              @alcadive: I don’t think the credit history says you were rejected. Mine just says an inquiry was made with no reference to it being successful or not.

          • adrianhughes1998 on 15/01/2025 - 09:01
            +1

            @onceupon8: I know they don't have to give a reason for rejection, but how are they to make a judgment on my financial situation if they don't have all the information required at hand. That is what my (and others have done the same with Amex) angle on the situation. This is the first and only time I've done it with AFCA about it.

            Other times with AFCA were about the banks not paying out velocity or Qantas points. And other rejections overturned was an internal complaints process with the banks lol.

            Overall, is what it is with Amex. Dark times for us hardcore churners, but will get through it…

            • illusion99 on 15/01/2025 - 09:19

              @adrianhughes1998: A credit card is not an essential good or service so it’s not like a bank legally has to give you a credit card. Like any other business they can choose whether to sell to you or not

            • Mydc5r on 15/01/2025 - 09:32
              -2

              @adrianhughes1998: Maybe you got declined due to character and not servicing capacity.

              Have you thought about that?

              • TightAl on 15/01/2025 - 10:19

                @Mydc5r: +1 he doesn't doesnt have the servicing capacity lol

              • adrianhughes1998 on 15/01/2025 - 10:49

                @Mydc5r: What a dumb comment making it personal. Grow up.

                • Mydc5r on 15/01/2025 - 10:59
                  +1

                  @adrianhughes1998: Why don't you grow up.
                  I was not gonna say it but I work for credit risk.

                  When a bank decides not to ask for income docs, that's because they have already decided to decline you for other reasons (reasons that they are not obligated to disclose).

                  Seeking payslips from you will add no value to the case. They do not want your business. Grow up and move on

                    • Mydc5r on 15/01/2025 - 11:41

                      @adrianhughes1998: How about a legal bet? Will get a solicitor involved and draw up the agreement.

                      $50,000 AUD.

                      If I can prove to you that I am a credit manager. I will provide you my Payslip and employment contract. Heck, even my salary credits.

                      I await your response.

                      • b0b0 on 15/01/2025 - 12:26

                        @Mydc5r: Not sure what is going on here.

                        You are a credit manager and did you just make a comment that he might have been declined due to character not servicing capacity?

                        Good for you to have the power to do so without reasoning. But crap now I know what kind of people are in the credit assessment team. If you could provide your employer name I will avoid your financial institution…

                        P/S: I deem myself as a good character who volunteers in orphans home and organises charity visits overseas. But yes I churn cards, 8 cards last year

                        • Mydc5r on 15/01/2025 - 12:29

                          @b0b0: We decline based on the following:
                          *Bad characters
                          *Busy credit histories
                          *Criminal records
                          *Bankruptcy

                          • b0b0 on 15/01/2025 - 12:31

                            @Mydc5r: Ahh, can you elaborate on the character bit? Legit curious (as a churner….)

                          • jamie147 on 15/01/2025 - 15:23
                            +1

                            @Mydc5r: I worked many years in personal credit and this is a bizarre list. In all the institutions I worked and managed in, we lend or decline based on risk appetite. This is mainly based on their credit history but also took other events into account, such as how long someone had been in a job or a recent change to their finances.

                            Where do criminal records come in, which reference agency do you go to to check this and why would you? Someone who has a criminal records for assault with a strong credit history would be offered lending. Because the institution only cares about their money being paid back and profit being made.

                            'Bad characters' doesn't meant anything. What is the context and please give a case study of someone with good credit and not many recent credit searches being declined for being a 'bad character'

                            • Mydc5r on 15/01/2025 - 15:27
                              -1

                              @jamie147: This is why you worked in credit cards only.

                              I worked in risk for all products.
                              Cards
                              Personal loans
                              Commercials loans
                              Business loans
                              Home loans

                              We have systems in place that you do not even know about.

                              Let's end this here before you making yourself look stupid.

                              On Ozbargain, we are all keyboard warriors.
                              How much do we really know about each other?
                              I bet some of us are criminals or has criminal histories.

                              At the end of the day, a lender has the right to decline a loan for any reason.

                              Regulation and responsible lending laws applies to lending only. Maladministration affects irresponsible lending not declines.

                              Systems integrations and AI has allowed us to decline "high risk" customer based on they conduct and probability of default especially for unsecured lending.

                              • jamie147 on 15/01/2025 - 17:08
                                +1

                                @Mydc5r: Fair enough, my background was a few years back across personal unsecured debt and commercial debt. Perhaps it's changed significantly given the time I've been out of the industry.

                                And it's 'make yourself look stupid'… Sorry I couldn't resist given the context ;)

                            • Salternative on 15/01/2025 - 15:42

                              @jamie147: Depends on the type of credit and the bank.

                              Grade A banks like the big 5 or the larger ones will easily decline a loan based on character , so if you have been a bankrupt 10 years ago, you will still be looked on with suspicion and a $100 Telstra bill that is unpaid might cause a $5 million loan to be declined , the rationale is if you do not want to pay the $100 loan because you think you perceive yourself as being wronged, what is to stop you stopping repayments on a $5 million loan for the same reason.

                              If the bank knows of a conviction , the it would be very strange of the bank to approve without digging further at least , unless its an asset lender or a private lender.

                              Multiple credit hits also showing closure in next 2 -3 months are a red flag and approval would depend based on the managements appetite for growth at the cost of profitability, obviously most banks are fine with it , but amex has drawn a line in the sand, thats their perrogative.

                              Even in Personal lending, I am surprised you dare not familiar the 5c's of credit.

                              • jamie147 on 15/01/2025 - 17:15

                                @Salternative: Absolutely, I moved from a large bank to a start up and it was ridiculous what got dismissed out of hand arbitrarily. It makes sense the risk appetite was lower than a start up, but the lack of flexibility could be frustrating.

                                My point was the OP listed "Bad characters" as a decline reason, which wasn't clear to me that he meant a poor credit history. It read as a personal rather than credit issue, which could have been my mistake.

                                I didn't comment on the credit hits apart from using it as an example at the end of my comment.

                              • uccoffee on 15/01/2025 - 18:20

                                @Salternative: which 5 are big 5?

                        • Mydc5r on 15/01/2025 - 12:31

                          @b0b0: Lol, just because you volunteer for charity does not make you a good person. A lot of rapists, child molesters also volunteers… So your logic is flawed.

    • aant22 on 15/01/2025 - 05:55
      +2

      Agreed. I’d be careful and probably think twice if you are a serious churner doing 5 or more cards per year. There are heaps of folk on similar forums with similar stories in the last year. I applied earlier last year for a new Amex card (where I had not held an Amex for almost 24 months) but was also instantly declined (they would be the first bank in what I would say would be 30+ cards).

      • alcadive on 15/01/2025 - 07:10
        +1

        Do you think it’s worth leaving Amex out of your churning loop and just keeping one of their no-fee cards for points and deals?

        • adrianhughes1998 on 15/01/2025 - 08:47

          Read somewhere that others have been declined even for them too

          • Shadowsfury on 15/01/2025 - 09:27

            @adrianhughes1998: I've been declined for a no annual fee Amex as I just wanted to get into Amex ecosystem for other, non-churning reasons.

            No Amex for perhaps 3 years, no churns in previous 6 months but heavy churner before that.

            • adrianhughes1998 on 15/01/2025 - 11:27

              @Shadowsfury: That's it, I got dinged for an Explorer card for some small MR points bonus, low credit limit card too. I think they just have it in for churners no matter the history. Guessing someone would have to wait a couple or few years without touching any credit cards

              I've got a mate who's never churned and only had one long term HSBC card, and he got approved the other month.

    • cuy on 15/01/2025 - 06:06

      I think I read somewhere that a frequent churner who had also been declined was also able to be approved after not having a single credit enquiry for 6 months.

    • retnup on 15/01/2025 - 08:19

      Just applied for NAB QF signature and no payslips needed

      • lechuck123 on 15/01/2025 - 08:53

        Strange, I just applied for the same card last week and it was the only thing they asked me to send. I selected that I was a contractor though, so maybe it's different if you choose permanent.

    • LanceVance on 15/01/2025 - 14:16
      -2

      Just applied and got instant approved for my 3rd instance of having this card.

    • Salternative on 15/01/2025 - 15:26

      Serial churner here as well.

      I agree Amex does not like churners, ( only card i have ever been declined for was amex).

      But banks are business, and can choose their clientale and who they want to take on. Honestly, if i had a business , i would not take you for a customer either , not making a cent to my business, acting entitled and clogging up AFCA with delays for those with genuine problems.

      There is No DING on your credit score with a refusal,my Credit score stayed constant after the amex rejection .

      Suck it up and move on to another card

  • R3XNebular on 15/01/2025 - 04:02

    Would the extra 50k be expired. Says apply by 14th of January

    • Seven8Nine on 15/01/2025 - 04:25
      +1

      After going via referral link , ''Apply through this page and you can receive 100,000 bonus Qantas Points when you apply online via the referral link by 11 March 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first three (3) months. T&Cs apply. Available to new American Express Card Members only."

  • GregRust on 15/01/2025 - 05:36

    Just a heads-up as I only found this out recently - Spending the $450 credit on Qantas flights through Amex does not qualify you for the 2 Qantas Lounge passes. You need to make an additional qualifying purchase through Qantas directly.

    Bizarre.

    • Save 50 Cent on 15/01/2025 - 07:21

      It isn’t bizzare though. They want to tempt you to book with qantas instead of the cheaper competitors to get the pass. Travel credit was to tempt you to apply for the card.

      • GregRust on 15/01/2025 - 12:10

        They changed it though. When I signed up I used the credit and got the passes as a result - this is no longer the case. Others may not be aware.

    • jeppetto367 on 15/01/2025 - 09:18
      +5

      Best way to get the QF spend is to buy carbon credits or seat selection for your flight once booked.

  • OfficerBarbrady on 15/01/2025 - 05:39
    +1

    Anyone getting automatically approved for this card? Mine says they are reviewing application and will get back to me in 5-10 days.

    • HamBoi69 on 15/01/2025 - 07:49
      +1

      Same.

    • Cheepcheep88 on 15/01/2025 - 09:10

      I got that message when applying for one last year. I eventually reached out after not hearing anything and got told my appication was declined. As with above comments it seems this was due to my churning history as there were no income or servicing issues.

    • GY666 on 15/01/2025 - 10:06
      +1

      this means declined.

    • Tangenyahu on 15/01/2025 - 12:26
      +1

      I applied yesterday morning, received the same message as you about waiting 5 - 10 days, and was approved about an hour ago, so it only took around 24 hours to get approved.

      It was still only 60,000 points when I applied though, if I had of waited half a day it would have been an extra 40,000 points. FML.

      • watwatwat on 15/01/2025 - 14:00

        I got this message 1 year ago when I declined.

        And I just got it now, so I think I am declined again.

  • U30004 on 15/01/2025 - 07:16

    To qll the churnees,how long free i close my cc drom another bank should i be applying for a new card with another?

    • Save 50 Cent on 15/01/2025 - 07:24

      I don’t think there is a clear answer. I have two cards with qantas points simultaneously and second got approved with no issues a month after the first.
      It will depend on your situation but I’d say two months gap if you want to play a safe game.

      • U30004 on 15/01/2025 - 07:34

        Hmmm..it took about 2 months for it to clear up from the credit history. So probably a safe bet

        • Save 50 Cent on 15/01/2025 - 07:56
          +1

          Yeah but you don’t necessarily need to wait for it to clear first. I have a car loan and two home loans and was still approved for two credit cards while my income is pretty average.

  • drillvoice on 15/01/2025 - 07:34

    Is it possible to ring AmEx and check if you'd be eligible for this deal? I applied for a card about 6mth ago and didn't get it but I'm not sure if that would affect my eligibility.

    • Save 50 Cent on 15/01/2025 - 08:04

      It shouldn't affect it. But if your circumstances haven't changed, then you are likely to get the same result.

  • san87 on 15/01/2025 - 07:46
    +1

    How long does it take for a refer bonus point to appear in a referral account?

    • clayaa on 15/01/2025 - 09:25
      +1

      as they open the account. had 3 succesful referrals

      • san87 on 15/01/2025 - 10:17

        Thanks!

  • Pab23q on 15/01/2025 - 08:02

    Amex platinum 275k points deal is better IMO.

    More than double the cost but solid benefits if you use them.

    • clayaa on 15/01/2025 - 09:29

      well if you play this right, your card doesnt cost you anything.

  • Bjay on 15/01/2025 - 08:06

    Can anyone share some insights on how to not get rejected with cc applications? I have been rejected twice in 2 years by st george and westpac. They sent a generic email why I was rejected. None of those reasons applied to me. Long story short, I protested and had my inquiry reversed. I have held 1-2 cards in the last last few years so I don't think I'm crazy with my applications. I have a mortgage and an investment property. Would this be the reason I'm getting rejected lately?

    • U30004 on 15/01/2025 - 08:25

      You have too much money already. They dont want you to give you more

      • Bjay on 15/01/2025 - 08:48

        Lol I wish. I was thinking if maybe it was the home loan. I'm just at the moment very hesitant to reapply

        • sydonk on 15/01/2025 - 10:44

          What is your income? Sounds like you're overleveraged.

          • Bjay on 15/01/2025 - 10:55

            @sydonk: Maybe I am. I have a current cc with $7k limit, 2 home loans. No other loans. Income around $135k, not sure if relevant but combined with partner $245k

            • sydonk on 15/01/2025 - 11:05
              +1

              @Bjay: Yeah most likely overleveraged then. You could try cancelling your current credit card before applying for a new one if you are trying to churn points, aim for the cards with minimum $6k credit limit or less (rather than the ones with minimum $15k credit limit).

              • Bjay on 15/01/2025 - 11:23

                @sydonk: That’s what I thought. I had no issues before but that maybe because I only had one home loan. Will stick to lower limit cards for now. Thanks

  • spikiii on 15/01/2025 - 08:14
    +1

    Hesitant to reapply for this one - freq. churn n burn here.
    Applied around this time last year for this card and just got a generic email with rejection after the "reviewing 5-10 days". Didn't call to enquire further as it appeared a lot of churners got rejected too.
    It was my first card rejection ever! and since then have had 3 other successful cards applied for, points earnt and card closed since.

    Good luck to the churners - would be keen to here your outcomes if you could share too.

    • linda1234 on 15/01/2025 - 08:20

      I applied for this card twice - first time I had the same experience. I called and operator provided no additional information. I checked my credit and saw they didn’t even make an inquiry or check. I applied again a few months later and was accepted almost instantly.

      For context, I’d just closed a credit card when I applied the first time and didn’t open any new cards in between the periods.

      • ozbargainerlife1 on 15/01/2025 - 08:36

        how many do you churn a year?

        • linda1234 on 15/01/2025 - 11:08

          Only around one a year - usually close at the 11 month mark so I was pretty surprised when I was told that I was rejected. But I’ve been churning for probably 4 years now.

        • spikiii on 15/01/2025 - 12:29

          3-5 cards depending on t&c's of 'previously held period'

          • ozbargainerlife1 on 15/01/2025 - 12:46

            @spikiii: yep I do 3-5 and hesitant to apply

            • spikiii on 15/01/2025 - 12:54

              @ozbargainerlife1: i'm not going to apply.

              as much as 100K bonus points is becoming increasingly rare - it's just not worth the ding to credit check because they don't like that i'm a churner…

    • stuartfaz on 15/01/2025 - 09:26

      Yeah I think I'll pass on this for the same reason. Rejected multiple times despite no issues with any other bank or CC.

  • bemybubble on 15/01/2025 - 08:51
    +1

    Also be aware you can't utilise the travel credit in conjunction with the free lounge passes. It's one or the other.

    Must book a QF directly through qantas to get lounge passes…!

    • Tock on 15/01/2025 - 09:08

      Can book using FF points and pay fees with AMEX to get passes. Previously you could also pay for things like carbon offset with the card and get them as it registers as a direct Qantas booking cost.

  • aldoboy on 15/01/2025 - 09:05

    I have amex explorer. Am I eligible?

    • turtleCatcher on 15/01/2025 - 09:17

      Yes if yo identify yourself as New Amex Cardholder :)
      New Amex cardholders only. You must not have held a card issued by Amex Australia in the last 18 months.

  • Mokr on 15/01/2025 - 09:07

    Wow there is no min salary mentioned

  • Moo Deng on 15/01/2025 - 09:31
    • 2 Amex lounge passes (for Melb and Syd international)

    Do these come through straight away? Are they transferable?

    • yabol on 15/01/2025 - 09:43
      +1

      Why not Brisbane, Adelaide or Perth?

      • Enjoy two complimentary entries to The Centurion® Lounge, plus two Qantas Club Lounge invitations each year after purchasing select Qantas products and services.*

      There are also Qantas Lounges in Brisbane, Adelaide and Perth

      • gkh84 on 15/01/2025 - 09:48
        +1

        because Brisbane, Adelaide and Perth do not have the Amex Centurion lounges

    • gkh84 on 15/01/2025 - 09:47
      +1

      I believe the Amex lounge (centurion) passes are tied to your card. You just show your physical card (not sure if the digital card will work) at the centurion lounge and they will let you in.

      Not transferable!

      • yoyo6 on 15/01/2025 - 14:00

        If you have a secondary card holder, they can use the pass

  • OzBerghainer on 15/01/2025 - 10:08

    Are they still declining Churners quite a bit?

  • daunce on 15/01/2025 - 10:16

    Can the Qantas travel credit be used for hotels booked via Amex travel, or does it have to be flights?

    That’s a whole lotta referral links. The referral links show different minimum spend amounts and points. Which referral link matches the posts title?

  • daclaw on 15/01/2025 - 10:55

    Hi all, just beware that the Qantas AmEx Ultimate does not cover rental vehicle excesses, don't book any hire cars using this card!

  • joerd102 on 15/01/2025 - 11:47

    Can the supplementary card be used by partner to get into Amex Centurion Lounge?

  • joerd102 on 15/01/2025 - 11:51

    Has this expired? link now says 50k points only? Is there something missing?

    • sydonk on 15/01/2025 - 13:28

      Read the first line. You need to apply via a referral link.

  • try2bhelpful on 15/01/2025 - 12:16

    As a retired person they won’t let you churn. It doesn’t matter what your Super pension is, your share dividends, money in the bank, etc. I suspect they want people with good incomes but likely to not pay the balance off each month.

    • sydonk on 15/01/2025 - 13:26
      +1

      LIMITED TIME OFFER | Ends 11 March 2025

  • Timtomtum on 15/01/2025 - 13:39

    Random question anyone have a recommendation for a good travel card with good exchange rates like 28 degrees without the fees?

    And a recommendation for a good visa qff points card?

    • techdave on 15/01/2025 - 14:31
      +1

      https://www.ozbargain.com.au/node/860487 for 28deg alternative.. I think Bankwest or Bendigo.
      - For ATM withdrawals I use ubank, which has good forex rates and very easy to set up (<10 minutes on a mobile app).

      I use Qantas Premier Platinum for places with no Amex, it's a mastercard tho.

  • OZoz123 on 15/01/2025 - 14:07

    Will the current standard offer of 50k points meant to expire yesterday be changed anytime soon?
    That way we could probably get more base points + the referral points?
    Or does the current referral offer already take into account the new base rate somehow?

  • Chridim on 15/01/2025 - 14:49

    Anyone that applied for this promo in October? https://www.ozbargain.com.au/node/869194
    Will I get the point if I apply and make first purchase before 31/1?

    • san87 on 15/01/2025 - 15:01

      I think you can earn an extra 20K Qantas points if your first credit card point transfer to your Qantas FF account is made before January 31. Did you activate it?

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