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We know why Giuseppe
polishes every spoon. -
We know why Jaydn washes his
trucks before they get dirty.
Business Finance Solutions
In business, doing the little things right is crucial. Not just once. Every time. Amex gets it. Whether you're looking for Business or Corporate charge cards, Merchant support or practical insights to help your business move forward with confidence.
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Business CardsSeamlessly manage business expenses, boost cashflow while earning rewards and benefits.
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Corporate CardsEarn exceptional rewards and have help managing costs and driving savings.
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Merchant advantages
Unlock more opportunities, help more customers, and drive more loyalty. As a Merchant enjoy:
- Free signage and supplies
- Shared media spotlight
- Your business on our map
- Customers driven to buy
Shop Small
Now in its 14th year, Shop Small celebrates small businesses and encourages consumers to spend locally. Click here to find out more and how we’re backing small businesses and local communities more than ever.
Offers Carousel
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"It’s the little things that matter, like the quick phone call before we rock up."
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"A small thing we do is adjust the music for the people in the restaurant.”
Business solutions that work as hard as you do.
Give your business the backing it deserves. Because it matters.
AccessLine
Pay your suppliers with confidence and keep your business moving.1
Flexible Payment Solutions
Choose flexible payment solutions that help you manage expenses, improve cash flow and keep your business moving.2
Reward Points
Every sale counts. Now every business purchase can too. Earn points across Amex3, Qantas4 or velocity5 with every purchase.
Employee Card Benefits
Help simplify business spending while maintaining visibility and control across your team.6
Explore more benefits
No pre-set spending limit
Take advantage of every opportunity that comes your way with a dynamic spend limit that adapts to your needs.7
Work Travel
Get on with business no matter where life takes you, with access to lounge access, travel insurance8 and points9. Insurance cover and lounge access will be determined by the type of Business Card you have.
Shop Small
Help small businesses make it big with exclusive Amex rewards and offers.
Business Finance Solutions for your Industry
Different issues matter to different industries. But, no matter how you do business,
Amex is here to help.
Hospitality
Keep service moving with solutions designed for hospitality. From managing day-to-day business spending to improving cash flow during busy and quieter seasons, discover solutions designed to help hospitality businesses stay focused on their customers.
Retail
Support your retail business with flexible payment and spending solutions. Whether you're managing inventory, seasonal demand or everyday business expenses, explore solutions that help keep your retail business moving.
Trade
Keep your business moving, wherever the job takes you. From purchasing materials to managing employee spending and cash flow, discover solutions designed to help trade businesses stay in control.
Refer a Friend. Earn Rewards.
Log in to start referring friends. You could earn Bonus Points as a Personal or Business Card Member for successful referrals. Terms, Conditions and eligibility criteria apply9.
Refer your friends
by sharing your unique referral link.
Refer your friends
by sharing your unique referral link.
They choose a Card
from a range of Personal or Business Cards that are part of your referral program
They choose a Card
from a range of Personal or Business Cards that are part of your referral program
You get rewarded
with Bonus Points if they apply via the referral link and are approved.
You get rewarded
with Bonus Points if they apply via the referral link and are approved.
Quality business
information matters
Information is valuable. But not if it takes hours to find it. Amex has collected and collated every thing from cash flow tactics and marketing inspiration to culture tips and planning insights.
Business Insights
Find expansion opportunities. Research market trends. Even finess your product roadmap. Amex can help your business make big moves.
Finance and Cashflow
Money management can make or break a business. These insights focus on monitoring your cash flow, finding funding and analysing budgets.
Company Culture
Creating a positive culture will help build your team and your business. Learn the best tactics for hiring star employees, saving time during the work day and leading your team with courage.
Marketing Strategies
Shape a brand that’s as bold as you are. Learn how to advertise effectively. Or plan an unforgettable event. Or just use content marketing to reach new customers and keep fans loyal.
Customer Experience
Your customers deserve more than a successful transaction. From engaging online to getting product feedback, here’s how to keep customers at the forefront of your business thinking.
Useful Links
Choose a Business Cards
If your annual revenue is up to $10M.
Choose a Corporate Cards
If your annual revenue is over $10M.
Your questions answered
American Express offers a range of business solutions designed to help businesses manage spending, improve cash flow and support growth. From Business Charge Cards and Corporate Programs to merchant services, payment solutions and business resources, we're here to help your business move forward with confidence.
Choosing the right Business Card starts with understanding how your business operates. Whether you're looking to manage everyday business spending, access travel benefits or reward your business purchases, explore our range of Business Charge Cards to find the solution that best suits your business.
Business Cards are designed for business owners and small to medium-sized businesses looking to manage everyday spending and expenses. Corporate Programs are designed for larger organisations that need greater visibility, control and reporting across employee spending and business expenses.
Managing cash flow is an important part of running a business. American Express offers flexible payment options and business solutions designed to help eligible businesses manage expenses, pay suppliers with confidence and stay focused on what matters most growing their business.
Whether you're looking to start accepting American Express or you're already an existing Merchant, you'll find the information, payment solutions and support you need to help your business deliver a great customer experience.
Every industry works differently. That's why American Express supports businesses across hospitality, retail, trades, professional services and more with industry insights, business finance solutions and resources designed to help businesses navigate everyday challenges and seize new opportunities.
Every business has different goals. Whether you're looking to manage business spending, improve cash flow, streamline employee expenses or access practical business insights, American Express offers solutions designed to support your business at every stage of its journey.
1. Accessline. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australia domestic payments using AccessLine in reflection of your individual requirements. AccessLine is not available to individual consumers. To be eligible for this offer you must enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use this service. Terms, conditions, fees and charges apply. Card Members may only use AccessLine if their Company chooses to enrol their Card Account for AccessLine, subject to American Express approval. Payees and payments are subject to American Express approval in accordance with the AccessLine Terms and Conditions. Subject to the Terms and Conditions of the Rewards program you are enrolled in and the availability of the rewards that may be obtained through the Rewards program.
2. Flexible Payment Option (FPO). With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days. Please refer to the full Flexible Payment Option Terms and Conditions.
3. Membership Rewards. The American Express Platinum Business, the American Express Business Gold Plus Card, American Express® Qantas Corporate Platinum Card, American Express® Qantas Corporate Gold Card and the American Express® Qantas Corporate Card, American Express® Corporate Platinum Card, American Express® Corporate Gold Card and the American Express® Corporate Card. Subject to the Terms and Conditions of the Membership Rewards program available here. Eligible spend/purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Merchants classified as “government“ include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
4. Qantas Points. The American Express® Qantas Business Rewards Card. A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as 'utilities' including gas, water and electricity providers; 'government' including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and 'insurance' excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. Once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
5. Velocity Points. The American Express® Velocity Business Card. Velocity Points are earned in accordance with and subject to the American Express Velocity Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Card Points Terms and Conditions available here. The earn rate of 2 Velocity Points per $1 spent on Virgin Australia only applies to purchases made in Australia. You will earn up to 0.5 Velocity Points per $1 spent at participating Merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry specific earn rate may apply when you use a payment Account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Rewards program. You are advised to check with your accountant or tax advisor for further information.
6. Employee Cards. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
7. Flexible Spending Power. Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
9. Travel Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read your American Express Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
10. Airline Partner Transfer. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.
11. Member Get Member. American Express credit approval criteria apply. Participation in the "Refer A Friend" program is subject to eligibility deemed by American Express. All information is correct as at 16 July 2026 and is subject to change. This offer is only available to those who reside in Australia. American Express Consumer Credit Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085), Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.
Don't Spam!
American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in ‘Refer a Friend’, you agree to these terms and conditions:
- Friend: For the purpose of these terms and conditions, the term ‘friend’ means:
- For American Express Consumer Card referrals, individuals that are your friends, family or close associates; and
- For American Express Business Card referrals, entities that are known to you including companies, partnerships and sole proprietors that hold an active Australian Business Number (ABN).
- For the avoidance of doubt, if you already have an American Express Card, you are prohibited from referring yourself for any American Express Card.
- Only Friends & Family: You must only send referral messages to close friends and family.
- Ask Their Permission First: You must ask the person for their permission and be given consent to send them an email about your Card product. Sending emails to people without permission is considered spam.
- We encourage fair usage of this referral program and so limit the number of individuals who can apply using your referral link. This is capped at 25 in any 30-day period. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Personal Cards is capped at 200,000 points per year. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Business Cards is capped at 10,000,000 points per year.
- Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit www.americanexpress.com.au directly) you will not receive your points.
- You must not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
- You will only receive Bonus Points if your friend's Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend's Card application is approved or declined for privacy and confidentiality reasons.
- Your friend may not receive any points if they hold or previously held any Card product issued by American Express Australia Limited in the past 18 months.
- You must be enrolled in the relevant rewards loyalty program to receive Bonus Points.
- It may take 8 to 10 weeks to be credited Bonus Points if you are successful.
Already a Card Member?
Already a Card Member?
What are the benefits of a Business Card?
Free-interest days
Depending on the Card you choose, you can enjoy up to 51 or up to 55 days to pay for purchases1 (as long as your Account is paid off in full each month).
Spending power that adapts to your Business
Amex Charge Cards come with flexible spending power, also known as no pre-set spending limit2. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns.
Flexible payment option
With our Flexible Payment Option, you can choose to pay off a portion of your Charge Card balance over time3. (Interest charges and limits apply.)
Free-interest days
Depending on the Card you choose, you can enjoy up to 51 or up to 55 days to pay for purchases1 (as long as your Account is paid off in full each month).
Spending power that adapts to your Business
Amex Charge Cards come with flexible spending power, also known as no pre-set spending limit2. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns.
Flexible payment option
With our Flexible Payment Option, you can choose to pay off a portion of your Charge Card balance over time3. (Interest charges and limits apply.)
Choose the rewards that matter to you
You can earn Amex Membership Rewards® points on all eligible business spend on your eligible Card4 or turn your purchases into Qantas points5 with an Amex Qantas Card or Velocity Points6 with an Amex Velocity Card.
Using your Business rewards
You can redeem your Membership Rewards points for travel7, to pay for eligible purchases8, or reduce your Account balance9. You can redeem your Qantas points10 via your Qantas Business Rewards Account or your Velocity Points11 via your Velocity account.
Travel benefits for optimised business trips
Eligible Cards allow you to transfer points to a frequent flyer partner program or hotel12, use points to pay for flights and accommodation13 or get travel insurance13
Choose the rewards that matter to you
You can earn Amex Membership Rewards® points on all eligible business spend on your eligible Card4 or turn your purchases into Qantas points5 with an Amex Qantas Card or Velocity Points6 with an Amex Velocity Card.
Using your Business rewards
You can redeem your Membership Rewards points for travel7, to pay for eligible purchases8, or reduce your Account balance9. You can redeem your Qantas points10 via your Qantas Business Rewards Account or your Velocity Points11 via your Velocity account.
Travel benefits for optimised business trips
Eligible Cards allow you to transfer points to a frequent flyer partner program or hotel12, use points to pay for flights and accommodation13 or get travel insurance13
Streamlined application process
Find out how to apply for a Business Card, what documentation you’ll need and information on your Business eligibility.
Accounting software integration
View all Card spend in your Online Account, plus identify patterns to make informed cash flow predictions with detailed Account statements and automatic transaction feeds into Xero, MYOB and Intuit Quickbooks.
Manage your employees’ expenses
Track your employees’ expenses and oversee spending limits with Employee Cards14.
Streamlined application process
Find out how to apply for a Business Card, what documentation you’ll need and information on your Business eligibility.
Accounting software integration
View all Card spend in your Online Account, plus identify patterns to make informed cash flow predictions with detailed Account statements and automatic transaction feeds into Xero, MYOB and Intuit Quickbooks.
Manage your employees’ expenses
Track your employees’ expenses and oversee spending limits with Employee Cards14.
Shop with Confidence
All our Business Cards offer Fraud Protection Guarantee so you’re protected against unauthorised charges15.
Make the most of American Express rewards with a Business Card
With American Express, your Business can earn points on almost every dollar spent on an enrolled Business Card. Check out how to maximise your points earning potential:
- Earn points on your everyday purchases such as utilities, insurance, inventory, B2B payments, travel, government bodies and more4. As long as your Account is in good standing, your points won’t expire.
- Add Employee Cards to earn points on their spend14.
- Successfully refer a fellow business and you could both earn Bonus Points16.
- With the American Express® Qantas Business Rewards Card, you can earn up to 1.25 Qantas points per $1 spent on your everyday business expenses5. (Once you have earned a total of 500,000 Qantas points on your Card Account in a calendar year, your earn rate of 1.25 Qantas points per $1 spent will change to 0.75 Qantas points per $1 spent on everyday business purchases.)
- You also earn 2 Qantas points per $1 spent on Qantas products and services5 (check out Qantas Points calculator).
- Earn Qantas points twice: for the business on your Qantas Business Rewards Account and for the individual traveler on your Qantas Frequent Flyer Account. Simply use your Business’ ABN and the individual’s Frequent Flyer account details when booking flights.
- The points you earn on the Amex Qantas Business Rewards Card are automatically transferred into your Qantas Business Rewards Account10.
- You can also add Employee Cards to earn Qantas points on their spend14 and successfully refer a fellow business to earn extra Bonus points16.
- With the American Express® Velocity Business Card, you can earn up to 1 Velocity Point per $1 spent on your everyday business expenses6.
- You also earn 2 Velocity Points per $1 spent on travel with Virgin Australia6.
- The Points you earn on the Amex Velocity Business Card are automatically transferred into your Velocity account each month.
- You can also add Employee Cards to earn Velocity Points on their spend14 and successfully refer a fellow business to earn extra Bonus Points16.
Whether it’s on travel, using points to shop or transferring points to a frequent flyer partner program, our rewards programs let you choose from a wide range of rewards.
- Use your points for purchases: You can use your points to pay for eligible purchases on your Card8 or use a combination of points and payment. You can also use your points to pay for your annual fee on selected Cards or to get a credit on your Account9.
- Use your points for travel: Transfer your Membership Rewards points to a wide range of airline and hotel partner programs12; or use your points to book flights, hotels or car rental with Amex Travel Online13.
- Use your points for Gift Cards: Redeem your points for Gift Cards17 from leading brands and retailers reward your employees, your clients or yourself.
The points transferred on your Qantas Business Rewards Account10 can be redeemed for a range of rewards for your Business including flights, seat upgrades and baggage#, or you can transfer them to any Qantas Frequent Flyer account18, including your own Account.
The Points transferred on your Velocity account can be redeemed11 for:
- Flights & upgrades – You can book Reward Seats using Velocity Points to more than 500 destinations with Virgin Australia and selected airline partners11, use Points + Pay to save on flights, or treat yourself with an upgrade to Economy X or Business on eligible Virgin Australia fares19.
- Hotels & car hire – Use your Points or Points + Pay to book one of the 400,000 hotels20 across the globe or to hire a car21.
- Shopping – Get a gift card or shop at the Velocity Rewards Store22 or online at Myer (a minimum redemption value of 3,000 points applies per transaction).
What are you looking for in a Business Card?
Whatever you want in a Business Card, American Express has options to help meet your Business needs.
Rewards Cards
You can earn Membership Rewards® points on almost all purchases on eligible Cards4. Then redeem your points for business travel, shopping or help offset business expenses8.
Premium Card
Our Premium Card puts you on the highest tier of rewards programs, with benefits like elevated travel experiences or exclusive invitations.
Travel Cards
Turn purchases into travel benefits and experience all the perks, convenience and security of your Card when going away for business. Frequent Flyer Cards also offer rewards and benefits specific to an airline, a great option if there’s an airline you frequently fly with.
Low Fee Card
A Low-Fee Card can be a great entry point with a simpler rewards structure and a lower fee and can be a solid choice for businesses that are just starting out or need to build credit.
For businesses with an annual revenue of $10M or more
Corporate Card programs
American Express® Corporate Card programs are designed for large businesses (with an annual turnover of more than $10M). You can easily track expenses, drive savings, set spending limits and choose to enrol in Amex Membership Rewards® program to access corporation-based benefits (an enrolment fee may apply). Choose from our range of Amex Corporate Cards and Amex Qantas Corporate Cards.
Corporate Payment Solutions
Alongside your Amex Corporate Card, you also have access to a range of solutions designed to service different areas of expense management. Whether it’s a smart solution for employee travel spend or a simple way to manage supplier payments, our payment solutions can help promote savings and streamline your expenses.
Accept our Cards and enjoy the backing of American Express
Offers Carousel
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How being an Amex Merchant can help your Business grow?
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Discover benefits only available to Amex Merchant Members
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Why Accept Amex Cards?
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Make taking payments simple
Explore more resources
Business Credit Cards vs. Charge Cards
American Express Business Credit Cards and Charge Cards both offer a convenient way to improve your Business’ cash flow. Discover which type of Card is best for your Business.
How Business Cards can help enhance business travel
Explore the benefits of using Business Cards when you travel, including frequent flyer points, airport lounge access, and more.
Business Cards vs. Personal Cards
Understanding Business vs. Personal Cards: read our guide and choose the right Card for your needs.
Ready to apply for an American Express® Business Card?
Find out how to apply, what documentation you’ll need and information on your Business eligibility.
Simplify business payments
With AccessLine, you can use your Amex Business or Corporate Card to make domestic payments to virtually any Australian business – even if they don’t take Card payments23.
Business Credit Cards vs. Charge Cards
American Express Business Credit Cards and Charge Cards both offer a convenient way to improve your Business’ cash flow. Discover which type of Card is best for your Business.
Business Cards vs. Personal Cards
Understanding Business vs. Personal Cards: read our guide and choose the right Card for your needs.
Ready to apply for an American Express® Business Card?
Find out how to apply, what documentation you’ll need and information on your Business eligibility.
How Business Cards can help enhance business travel
Explore the benefits of using Business Cards when you travel, including frequent flyer points, airport lounge access, and more.
Simplify business payments
With AccessLine, you can use your Amex Business or Corporate Card to make domestic payments to virtually any Australian business – even if they don’t take Card payments23.
1. Extend your cash flow by up to 51 or up to 55 days: Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.
2. Flexible Spending Power: Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
3. Flexible Payment Option
With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions.
4. Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
5. A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as 'utilities' including gas, water and electricity providers; 'government' including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and 'insurance' excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. Once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
6. Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances and fees and charges for foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions available here. The earn rate of 2 Velocity Points per $1 spent on Virgin Australia only applies to purchases made in Australia.
You will earn 0.5 points per $1 spent at participating merchants classified as 'government' including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate.
7. American Express Travel Online. You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.
8. Cover Charges with Points. For each successful transaction with cover charges with points, points chosen will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 2-4 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Primary Card Members enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, Additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.
9. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.
10. Qantas Business Rewards. A business must be a Qantas Business Rewards Member to earn Qantas Points. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing American Express Qantas Business Rewards Card. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions.
#Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 12 February 2025 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more
11. Points Redemption: When redeeming Reward Seats with Velocity Points earned on your American Express Velocity Cards all redemptions quoted are Reward Seats, subject to availability and to the Velocity Membership Terms and Conditions. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Seats are limited and may not be available at peak times or on all flights. Any pay component is not eligible for Velocity Points earn with Velocity Airline Partners. Name changes and refunds are not permitted for certain fare types. Card Payment Fee (Payment Surcharge) is applied per booking when using a credit card or a debit card as the method of payment and is non-refundable. For bookings made with debit card the booking fee is charged at 0.6% per booking and credit card booking fee is charged at 1.3% per booking. The Card Payment Fee (Payment Surcharge) is capped at $11 for Domestic flights and $70 International flights. Additional baggage charges apply for Virgin Australia domestic and international short-haul flights; please view the Velocity website for a schedule of current fees. Fees will be incurred for excess baggage. Complimentary baggage allowances apply for Silver, Gold and Platinum Velocity members and guests travelling on Flexi, Premium Economy and Business Class Fares. Conditions and travel restrictions apply for all fares. Fares quoted to international destinations not operated by Virgin Australia will be flown by one of Velocity's international partner airlines. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map, available on the Velocity website. For full details see www.velocityfrequentflyer.com.
12. Partner Programs. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.
13. Travel Insurance. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
14. Employee Cards: Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
15. Fraud Protection: Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
16. American Express approval criteria applies. Participation in the 'Refer A Friend' program is subject to eligibility deemed by American Express. All information is correct as at XXX [live date to be added] and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.
Don't Spam!
American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in 'Refer a Friend', you agree to these 'Refer a Friend' terms and conditions:
- Friend: For the purpose of these terms and conditions, the term ‘Friend’ means:
- For American Express Consumer Card referrals, individuals that are your friends, family or close associates; and
- For American Express Business Card referrals, entities that are known to you including companies, partnerships and sole proprietors that hold an active Australian Business Number (ABN).
- For the avoidance of doubt, if you already have an American Express Card, you are prohibited from referring yourself for any American Express Card.
- Only Friends & Family: You must only send referral messages to close friends and family. Do not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
- Ask Their Permission First: You must ask the person for their permission to send them an email about your Card product. Sending emails to people without consent is considered spam.
- We encourage fair usage of this referral program and so limit the number of individuals who can apply using your referral link. This is capped at 25 in any 30-day period. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Business Cards is capped at 10,000,000 points per year.
- Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit americanexpress.com directly) you will not receive your points.
- You will only receive points if your friend's Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend's Card application is approved or declined for privacy and confidentiality reasons.
- Your friend may not receive any points if they hold or have previously held any Card product issued by American Express Australia Limited in the past 18 months.
- You must be enrolled in the relevant rewards loyalty program to receive Bonus Points.
- It may take 8 to 10 weeks to be credited Bonus Points if you are successful.
Why should I comply?
Any violation, abuse or failure to comply with these 'Refer a Friend' Terms and Conditions including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and Conditions and make you ineligible for any referral bonus, reverse any referral bonus awarded, and may result in your termination from the ‘Refer a Friend’ program and cancellation of your Card Account.
For full terms and conditions for your Card product please log in here
17. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
18. In order to transfer Qantas Points from a Qantas Business Rewards account to an individual's Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).
19. Flight Upgrades. Economy X Terms and Conditions apply. Business: Points can be used to upgrade from Economy fares (excl. Economy Lite) on Virgin Australia marketed and operated flights (excl. flights to/from Christmas Island and Cocos (Keeling) Island). Subject to seat availability. Requests can be made at least 30 mins before scheduled departure at the airport. Additional terms and conditions available in clause 8.9.
20. Hotel Bookings. Velocity Frequent Flyer members can earn or redeem Points for hotel bookings made with Virgin Australia via Hopper Hotels. All bookings made through this platform are subject to Hopper Hotels terms and conditions.
21. Car Hire Booking. Velocity Frequent Flyer members can earn or redeem Points for car hire bookings made with Virgin Australia via CarTrawler All bookings made through this platform are subject to CarTrawler terms and conditions.
22. Velocity Rewards Store
Redemption of Points for Products is subject to the Velocity Membership Terms and Conditions, Velocity Rewards Store Terms of Use and any other terms and conditions disclosed at the time of redemption (including gift card terms and conditions). The Velocity Rewards Store is hosted by Collinson Group Limited (ACN 083 835 661). Products ordered through the Rewards Store will not be dispatched until the relevant Points have been deducted from the member's membership account. Deliveries will only be made to a physical address in Australia (PO box deliveries will not be accepted). Rewards Store orders are usually delivered within 14 business days of the order being successfully processed (i.e. Points and any cash payment are received). Delivery dates may vary from time to time.
Please review all terms and conditions before making your selection, as refunds or replacements are not provided if you change your mind or make a wrong selection. You’re entitled to the benefit of statutory consumer guarantees for products you get from the Rewards Store. Please see Velocity Rewards Store Terms and Conditions for further information. Please inspect a product as soon as possible after delivery to confirm it matches the description provided and is of acceptable quality. If you have an enquiry relating to a purchased product (e.g. the product is damaged or faulty upon delivery), please contact Collinson using the Member Support page, email CustomerServiceVelocity@collinsongroup.com or call the Velocity Membership Contact Centre.
Redemption of Points for gift cards is subject to the Velocity membership Terms and Conditions, as well as the Velocity Rewards Store Terms of Use and other Terms and Conditions for the particular gift card disclosed at the time of redemption. Minimum spend applies. Please review all Velocity Rewards Store Terms and Conditions before making your selection, as refunds or replacements are not provided if you change your mind or make a wrong selection. The Velocity Rewards Store is hosted by Collinson Group Limited (ACN 083 835 661). Gift card Terms and Conditions vary, see the card partner's website for details. Gift cards will be posted to your nominated address. Please allow up to 14 business days for card delivery. Visit the Velocity Rewards Store for more details.
23. AccessLine. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Card Members may only participate in the Program if their Company chooses to enrol their Card Account in the Program, subject to our approval.