Experience luxury

With the new Qatar Airways Privilege Club Infinite Credit Card

Earn 50,000 Avios

After spending $5,000 in the first 90 days*

Apply now→

$499 annual fee†

*See Offer Terms.† Rates & Fees, Cardholder Agreement

Special welcome offer

25,000

Avios

After your first transaction

• 25,000

Avios

• 150

Qpoints

After spending a total of $5,000 in the first 90 days*

Get Privilege Club Gold

In your first year, experience Privilege Club Gold status with access to amazing benefits, like...

Lounge access

Additional checked bags

Priority boarding

Preferred seat selection

Benefits available from Qatar Airways with your Privilege Club credit card.More about benefits →

Collect Avios

Get Avios with every purchase you make, including 4 Avios per dollar on purchases from Qatar Airways.

5x On Qatar Airways purchases*

3x At restaurants*

1x Everything else*

No foreign transaction fee†

Miles do not expire for as long as you use your card

More Qpoints with no limit

You’ll get 2 Qpoints for every 1,500 Avios you earn with the Privilege Club credit card to help you get elite status faster

Get more with Visa Infinite perks

Extended Warranty Protection

Travel Emergency Assistance

Purchase Security

Lost Luggage Reimbursement

Return Protection

Travel Accident Insurance

Roadside Dispatch®

Visa Infinite Concierge

Auto rental collision damage waiver

Visa Infinite Luxury Hotel Collection

Car rental discounts

Trip Cancellation or Interruption

Use your card immediately

Add your Privilege Club credit card to your digital wallet as soon as you're approved

Do I need to register for a Privilege Club account before applying?

You don’t need a Privilege Club account before applying. Cardless will link an

existing Privilege Club account using your email address and phone number. Don't

have a Privilege Club account? Get approved for the card and we'll automatically

create one for you.

How do I use my Privilege Club benefits?

Your Privilege Club benefits are associated with your membership tier. To use

these benefits, you must have an open Privilege Club credit card that is linked with your Privilege Club account.

Visit Qatar Airways for more information on Privilege Club benefits.

I’m enrolled in the Family Programme, how do the benefits work?

The primary family member ("main member") will receive all of the benefits of the Privilege Club credit card. If you’re not the primary family member but would like to be eligible for the Privilege Club credit card benefits, you can de-link your account from the Family Programme and have your own membership accounts.

If you would like to de-link your account from a family plan, please contact Qatar Airways support.

What’s the difference between Avios and Qpoints?

You can earn Avios by making purchases with your Privilege Club credit card, and through flying with Qatar Airways. You can redeem your Avios for flights or inflight upgrades or transfer to British Airways, Iberia and Aer Lingus.

Qpoints help you upgrade or renew your Privilege Club membership tier, and are earned with your Privilege Club credit card or by flying with Qatar Airways or by any oneworld member airline.

Learn more about how to earn and use Avios and Qpoints

Who is Cardless?

Cardless makes the Qatar Airways Privilege Club Credit Cards. Everything you need for your Privilege Club credit card is available through Cardless, with the safety and security of Visa.

If you have questions on transactions, payments, rewards or any general questions about your card please contact us at (888) 301-3829 or support@cardless.com.

| Interest Rates and Interest Charges | | --- | --- | | Annual Percentage Rate (APR) for Purchases | 19.49% to 29.49%
when you open your account, based on your creditworthiness.
After that, your APR will vary with the market based on changes to the Prime Rate. | | Annual Percentage Rate (APR) for Cash Advances | 32.24%
when you open your account, based on your creditworthiness.
After that, this APR will vary with the market based on the Prime Rate. | | Penalty APR and When it Applies | None | | Paying Interest | Your due date is at least 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the transaction is posted to the Account. | | Minimum Interest Charge | There is no minimum interest charge. You will be charged any interest due, regardless of amount. | | Fees | --- | | Annual Fee | $499 | | Transaction Fees
- Cash Advances
- Foreign transaction | Either $10 or 5% of the amount of each transaction, whichever is greater.
$0 | | Penalty Fees
- Late Payment
- Return Payment
- Over-the-Credit Limit | Up to $8
$0
$0 | | Other Fees | |

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions). See your Qatar Airways Privilege Club Visa Signature Credit Card Cardholder Agreement for more details.

This Notice: The information about the costs of the card described in this form is accurate as of March 9, 2026. This information may have changed after that date. To find out what may have changed, write to us at Cardless, 350 Townsend #610, San Francisco, CA 94107 or call us toll-free at (888) 301-3829.

Your Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in the Cardholder Agreement. See the “Billing Rights” in your Cardholder Agreement for more details.

Penalty Fees: We may charge a Late Payment Fee up to $8 if we do not receive the minimum payment amount shown on your Statement by the due date shown on your Statement. The Late Payment Fee will not exceed the related minimum payment that was due.

**How We Will Calculate Your Variable APRs:**Your Annual Percentage Rate is calculated by adding the Index (as defined below) to the margin disclosed in your Truth in Lending Act Disclosures. The Annual Percentage Rate (and Daily Periodic Rate or “DPR”) on this Account will vary from time to time due to changes to the Index. As a result, your APR (and DPR) may change as frequently as quarterly. The Index is the U.S. Prime Rate as published in The Wall Street Journal. We will use the U.S. Prime Rate as published in The Wall Street Journal on January 25, April 25, July 25, and October 25. If it is not published that day, we will use the immediately preceding published U.S. Prime Rate. If the Index has changed, the new APR (and DPR) will apply to your Account as of the first day of your February, May, August, and November Billing Cycles. If the Index increases (or decreases), you will pay a correspondingly higher (or lower) interest charge and may pay a higher (or lower) Minimum Payment Due. The U.S. Prime Rate is simply a pricing index and may not be the lowest interest rate available. If The Wall Street Journal temporarily or permanently stops publishing the U.S. Prime Rate, or how the U.S. Prime Rate is defined is changed, then we may select a new third party source for obtaining the U.S. Prime Rate or select a substitute Index not under our control, in our sole discretion.

Purchase APR: Prime + 12.74% to Prime + 22.74%. Daily periodic rate of 0.0534% to 0.0808%.

Cash Advance APR: Prime + 25.49%. Daily periodic rate of 0.0884%.

U.S. Prime Rate effective as of December 16, 2025 is 6.75%.

How We Will Calculate the Interest Charge: We use the “average daily balance (including new transactions)” method to calculate the interest charge on each type of transaction. This means at the end of each Billing Cycle for each transaction type, we: (1) multiply your “average daily balance (including new transactions)” by the Daily Periodic Rate for that transaction type, and (2) multiply the result by the number of days in the Billing Cycle. To get the “average daily balance (including new transactions),” for each transaction type, we first determine the “daily balance” by taking the beginning balance of each type of transaction on your Account each day of the Billing Cycle, add any new transactions posted that day, and the periodic interest charges incurred the previous day (compounding interest), along with any fees incurred the previous day, and then subtract any payments or credits applied to the principal balance. If any day's daily balance is a credit balance, we will treat it as a balance equal to $0.00. Then, we add up all the daily balances for each day of the Billing Cycle and divide the total by the number of days in the Billing Cycle to get the “average daily balance (including new transactions)” by transaction type. Then we multiply the Daily Periodic Rate applicable to the transaction type by the applicable “average daily balance (including new transactions)” for that transaction type and multiply the resulting number by the number of days in the Billing Cycle to calculate the interest charge for each transaction type. We add together the interest charge for each transaction type to determine the total interest charge owed on your Account for that Billing Cycle.

Due to rounding, this interest calculation may vary slightly from the interest charge actually assessed. After the Payment Due Date, interest charges will continue to accrue on the total amount that remains unpaid after the applicable Payment Due Date, until it is paid in full.

Avoiding Paying Finance Charges: If you pay your Statement’s new balance in full by the payment due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your Account in full without finance charges, but fail to pay your next new balance in full, we will charge interest on the unpaid balance and any new transactions that post to the purchase balance. We will begin charging interest on Cash Advances on the transaction date.

Cash Advance/ATM Access: Cash Advance/ATM access is made available at our discretion.

Military Lending Act (MLA) Disclosure: The following disclosure applies to persons covered by the MLA. Other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. Federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than credit application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call us toll free at (888) 301-3829.

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