American Express and NAB compete for some of Australia’s top credit cardholders. Both cards are favoured by individuals seeking a premium Qantas credit card that offers new cardholders the most points, the best perks, and the most benefits.
So how does the American Express Platinum compare with the NAB Qantas Rewards Signature Card? Use this side-by-side comparison of rates, fees, and eligibility criteria to decide which of these black credit cards is better for yourself.
 On American Express' website |  On NAB's website |
|---|---|
| Basics | |
| Description | |
| N/A | N/A |
| Additional Cardholders | |
| 4 | 1 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| American Express | Visa |
| Google Pay Enabled | |
| Yes | Yes |
| Minimum Credit Limit | |
| N/A | $15,000.00 |
| Maximum Credit Limit | |
| N/A | $75,000.00 |
| Rates | |
| Cash Advance Rate | |
| N/A | 21.74% p.a. |
| Cash Advance Fee | |
| N/A | $3.00 |
| Purchase Rate Ongoing | |
| N/A | 20.99% p.a. |
| Fees | |
| Annual Fee Ongoing | |
| $1,450.00 | $395.00 |
| Foreign Exchange Fee | |
| $3.00 | N/A |
| Late Payment Fee | |
| $20.00 | $15.00 |
| Overseas ATM Withdrawal Fee | |
| N/A | $5.00 |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Fair, Good, Very Good, Excellent | Below Average, Fair, Good, Very Good, Excellent |
| Minimum Income | |
| $100,000.00 | N/A |
| Temporary Residents Accepted | |
| No | Yes |
