Qantas Money: Designing Loyalty-Led Financial Innovation
Designed Qantas’s first credit card and cash flow management app, linking loyalty to financial wellbeing, drove rapid adoption, and won industry recognition. Winner of the Mozo Credit Card Innovation Award. Qantas Money is now a thriving business venture in Qantas Loyalty.
The Challenge
Qantas Loyalty wanted to expand its digital business ventures into financial services, but the credit card market was saturated and undifferentiated. The challenge was to create a product and service that connected loyalty rewards with financial well-being while building credibility and trust in a new category
The Role
As Lead Designer, I:
Directed product and experience design for Qantas’s first credit card and app.
Balanced hands-on design work while leading UX, UI and content designers.
Partnered with Qantas Loyalty, Citibank, and Mastercard to deliver the venture.
What I did
Designed Qantas’s First Credit Card and App
Directed design of Qantas’s entry into financial services, creating a credit card, mobile app and web that linked loyalty rewards directly to financial wellbeing.
Applied Continuous Testing and Iteration
Embedded cycles of user testing, feedback, and iteration to refine onboarding, spend tracking, and redemption flows, ensuring customer confidence and satisfaction.
Embedded Loyalty-Driven Experiences
Shaped an experience where everyday spending and positive money behaviours earned Qantas Points, disrupting the credit card category.
Led and guided the Product Design Team
Led a team of UX, UI designers and copywriters, ensuring cohesive experiences and content delivery across touchpoints.
Built a Seamless Digital Onboarding
Designed an end-to-end application and onboarding journey with NAB and Visa, ensuring credibility, trust, and ease of adoption.
Delivered a Successful Launch
Brought the product to market with strong adoption and industry recognition, positioning Qantas as a credible player in financial services.
Outcomes Achieved
Successful Launch into Financial Services
Established Qantas as a credible player in financial services by designing and delivering its first credit card and money app.
Mozo Credit Card Innovation Award
Recognised for category-disrupting features that gamified financial wellbeing and differentiated Qantas Money from competitors.
15.5K Sign-Ups in First 3 Months
Strong early adoption directly driven by the loyalty-led proposition linking Qantas Points to positive financial behaviours.
#1 Finance App for Gen X and Boomers
Secured market leadership with features that resonated with older demographics, an often underserved segment in digital banking.
67K App Downloads and 500K Website Visits at Launch
Achieved through seamless onboarding and account management journeys that made adoption simple and trusted.
Sustained Business Venture Performance
The product remains an ongoing high performer within Qantas’s portfolio, validating the design-led proposition and embedding Qantas in the financial services market.
