Get to know your American Express®
Business Card
Some quick links to help you get started
Some quick links to help you get started
If you became an American Express Business Card Member between 11 August 2022 to 5 April 2023, please click here for information on your Card features and benefits.
Here’s how your Card can work for you
Here’s how your Card can work for you
Maximise your points earning potential |
Maximise your points earning potential |
As an American Express Business Card Member, you’re eligible to enrol in the Membership Rewards Ascent program and could earn points on all
spend.1 Your Membership Rewards points won’t expire and there’s no limit to the number of points you can earn.2 If you haven’t enrolled in the
Membership Rewards Ascent program, call 1300 363 276 (7.30am – 7pm AEST Monday to Friday).
Transfer points to 11 world-class airline partners4 including Virgin Australia Velocity Frequent Flyer and Air New Zealand Airpoints™.
Use points at thousands of online stores when you check out with eligible merchants with PayPal.5
Use points to help pay down the balance on your Card via a credit.6 You can also use them to cover your Card’s annual fee.
Redeem points for retail, travel and entertainment Gift Cards7, including Apple, JB Hi-Fi, and Accor Hotels.
Shop online with your points, or a combination of points and Card payment, to purchase hundreds of top products at retailers including David Jones.8
Redeem points directly on flights, accommodation, and car rental with American Express Travel online9 booking service, Webjet10 and helloworld.10
Transfer points to Hilton Honors4 or Marriott Bonvoy4 points for stays, upgrades and extras.
If you became an American Express Business Card Member between 11 August 2022 to 5 April 2023, please click here for information on your Card features and benefits.
Get even more from American Express
How else can we help?
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include 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 a payment aggregator may earn points 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.
2. There is no expiry date for points earned while in the program so long as you are an American Express Card Member, enrolled in the program and your Account is kept in good standing and is not overdue.
3. FXIP Service 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. FXIP transactions are excluded from the standard MR earn rate as per the Membership Rewards Terms and Conditions.
4. Points transfer. Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points to an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.
5. Shop PayPal with Points
Eligibility to ‘Shop PayPal with Points’:
You can use your Membership Rewards with PayPal on eligible transactions (‘Shop PayPal with Points’) if you are the Primary Card Member of an eligible American Express® Card issued by American Express Australia Limited; your Card is enrolled in an eligible Membership Rewards program; and your Card Account is in good standing (i.e., not overdue or in collections). Additional or Employee Card Members, Card Members enrolled in Qantas or Velocity Direct program, Business Ascent program or Business Card Members with spend locked to one supplier or Card Members who hold an American Express David Jones Store Card are not eligible to Shop PayPal with Points.
Using ‘Shop PayPal with Points’:
To use points through PayPal, you must first sign in to your PayPal account. Once you are signed in, you can link your eligible Card to your PayPal account. Once you have linked your Eligible Card to your PayPal account, it will appear in your PayPal wallet. Any Eligible Card that is already in your PayPal wallet is already linked. After you have linked your Eligible Card, you can view your Membership Rewards point balance and its associated dollar value for use on PayPal. At checkout, select and confirm the Membership Rewards option and enter the dollar amount you would like applied as a statement credit toward your associated purchase. This dollar amount cannot be higher than the amount of available points displayed to you. You may edit your selection before completing your associated purchase. You will then be charged the full dollar amount to your selected American Express Card and will receive a Statement Credit in exchange for your points redemption. The credit will be posted to your American Express account within 2 to 4 days. Depending on when your next Card statement is due, the statement credit may not appear until your next statement period.
New PayPal Account
After you create a new account at Paypal.com/au and link your Eligible Card, you will automatically be shown the available point balance and its associated dollar value for use through PayPal. During checkout, check the “Use Membership Rewards® points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Existing PayPal Account
While checking out using your existing PayPal account with your existing Eligible Card on file, you will automatically be shown the available point balance and its associated dollar value for use. During checkout, check the “Use Membership Rewards points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Please note that the use of Membership Rewards points will only be displayed for eligible Australian PayPal sellers. American Express and PayPal maintain the right to exclude sellers at their discretion at any time.
The minimum redemption value is 1,000 Membership Rewards points. The maximum points redemption is the lower of the total transaction value or the total points available in your Membership Rewards account. The number of rewards points needed for a statement credit may vary over time. The points required for the credit value will be displayed during the checkout process, prior to submission.
The full transaction amount will be charged and appear on your account and the credit will appear within 2 to 4 days of the charge (this may not be the full transaction amount depending on how many points you choose to redeem). The credit may not appear on the same statement as the full transaction amount is charged to, but may appear on your next statement. If this occurs, you must still pay the amount due on your statement by the due date.
Returns & Refunds
The Card Terms and Conditions continue to apply when you Shop PayPal with Points. You must continue to make payments as outlined on your Statement of Account and in your Card Member agreement, even when you Shop PayPal with Points. All Membership Rewards points are subject to the Membership Rewards Terms and Conditions available here.
PayPal Terms and Conditions apply.
We may change or suspend the Shop PayPal with Points feature for any reason and at any time without prior notice, including when a Card account is not in good standing (overdue or in collections).
6. Points for Credit: Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). American Express may decline a Points for Credit request where the Card Account or Cardmember’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.
7. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
8. Subject to the Terms and Conditions of the Membership Rewards program available here and the David Jones Partner Terms and Conditions available at DAVIDJONES.COM.AU. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Minimum redemption amounts apply. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only.
9. Membership Rewards Terms & Conditions: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing.
To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card.
All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.
10. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet.com.au and Helloworld 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. Partners apply. Subject to the Membership Rewards Terms and Conditions and the Partners' booking Terms and Conditions.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. 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.
Discover solutions that can help control company spending and manage cash flow |
Discover solutions that can help control company spending and manage cash flow |
Depending on your method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.1
No Pre-set Spending Limit
With no pre-set spending limit, your purchasing power can grow over time as your spending and repayment patterns evolve to meet your business needs.
Gain greater transparency over your business spend and simplify employee expense management by adding employees to your Account.2 Set spending limits and lock Cards with Employee Card controls.6
Take advantage of this fast and secure payments solution to pay virtually all your domestic suppliers – even if they don’t accept American Express Card payments4 – and earn points too. Enrolment required.
Link your Card to accounting software
Link your Card transactions to ensure a more efficient and seamless business finance experience.
Choose from:
- Intuit Quickbooks
- MYOB
- Xero
Enrolment required.
Card Membership fees may be tax-deductible
The Annual Fee may be tax deductible for your business. Please contact your tax advisor/accountant to confirm the availability of a deduction for your business.
Get even more from American Express
How else can we help?
1. Extend your cash flow by up to 51 days (excluding American Express Business Cards approved after 28 July 2022 which feature the extension of cash flow by up to 110 days): Depending on your Card product type, method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
2. Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. 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.
3. The earning and redemption of Membership Rewards points is subject to the Terms and Conditions of the Membership Rewards Program, available at membershiprewards.com/termsand conditions. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.
4. AccessLine - The information has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. Terms, conditions, fees and charges apply. For further information, please refer to the relevant PDS: Telegraphic Transfers. 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. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use AccessLine. International Payments are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL no. 237996). Incorporated with Limited Liability in Delaware, USA.
5. MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.
6. You may limit the total dollar amount that your Employee Card Member(s) can spend during each billing period on your Card Account. Employee Card Limit Management does not apply to American Express Explorer Credit Card, American Express Business Accelerator Credit Card, Qantas American Express Business Credit Card or American Express Platinum Credit Card products. Unless otherwise specified in the full Employee Card Limit Management Terms and Conditions, the maximum amount your Employee Card Member(s) can spend within a billing period will be the spending limit you assign to the Employee Card Member(s). When you initially set a spending limit for your Employee Card Member(s) or after you unlock an Employee Card, any transactions made on the Employee Card prior to setting the spending limit or unlocking the Employee Card will not be included in the spending limit you set. Please read the full Employee Card Limit Management Terms and Conditions before using the Employee Card Member Limit Management functionality.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. 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.
Explore the built-in benefits that come with your American Express Business Card |
Explore the built-in benefits that come with your American Express Business Card |
Benefits requiring individual enrolment
Business Trends and Insights from American Express that offer insights and inspiration to help you run, grow and expand your business. Explore to learn the latest trends in business and discover valuable insights.
Purchase prime tickets to sought-after music, film, theatre, fashion, and foodie events, often before they go to on sale to the general public.
Sign up to receive American Express marketing emails so you can make the most of your Card Membership.
Use your Business Card with confidence knowing you’re protected against unauthorised purchases.1 If you notice anything unusual on your Card statement, notify us straight away and you’ll be covered for any unauthorised purchases.
Call 1300 366 549
Get even more from American Express
How else can we help?
1. Fraud Protection Guarantee: Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. 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.
Manage your account with simple, straightforward tools |
Manage your account with simple, straightforward tools |
Ready to take advantage of everything your Card has to offer? Activate it in just a few clicks.
Ready to take advantage of everything your Card has to offer? Activate it in just a few clicks.
Lost Card? No worries. Just inform us as soon as possible to get a replacement Card within 2 business days at no extra cost1—and we can instantly replace your Card on your mobile wallet if you already have this provisioned on your phone.
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Create your account, pay your bill, view and manage Employee Cards, check your points balance, and more – all from one convenient place.
With American Express, you can make Card payments on any device using Apple Pay®, Samsung Pay® or Google Pay.2 You’ll also continue to enjoy all the rewards and benefits of your American Express Membership when paying with your mobile wallet in-store and online.
Get even more from American Express
How else can we help?
1. Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
2. Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc., Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.
3. By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at any time by changing your preferences in your Online Services Account or by notifying us on 1300 366 549.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. Prior to 1 August 2023, the Business, the Primary Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. On and from 1 August 2023, American Express will be making changes to the Terms and Conditions of American Express Business Card products in Australia which will include the removal of the liability of Employee Card Members for charges incurred on their Employee Card. Each employee is entitled to only one (1) Employee Card.
Explore your
American Express® Business Card
Membership benefits.
American Express®
Business Card
If you became an American Express Business Card Member on, or after, 11 August 2022 please click here for information on your Card features and benefits.
Annual card fee of $109 and annual Membership Rewards fee of $80
Earn up to 1.5 Membership Rewards point for every $1 spent1
Up to 51 days to pay for purchases2
Pay over time with Flexible Payment Option3
Pay suppliers with AccessLine® – even if they don’t accept Card payments4
Add up to 99 Employee Cards5
Maximise your points earning potential.
As an American Express Business Card Member, you’re eligible to enrol in the Membership Rewards Ascent program and could earn points on all spend.1
Your Membership Rewards points won’t expire and there’s no limit to the number of points you can earn.6
If you haven’t enrolled in the Membership Rewards Ascent program, call 1300 363 276 (8am – 6pm Monday to Friday).
Earn
Earn 1.5 points for every $1 spent except spend on government where you will earn 1 point for every $1 spent.1
Plus, the Membership Rewards earn rate for FX International Payments (FXIP) is 1 point for every $15 transferred.11
Put simply, you get Membership Rewards points everywhere you spend and your points earning power is unlimited.
Redeem
Transfer your points to 9 Airline Partners7 including Velocity Frequent Flyer, KrisFlyer, Emirates Skyward and more, as well as 2 Hotel Partners, Hilton Honors and Marriott BonvoyTM
You can even use points to shop online at David Jones8 or redeem for Gift Cards9 with our retail and entertainment partners, or pay down the balance on your Card.10
Transfer your points to 9 Airline Partners
The sky's the limit when it comes to where your points can take you.
Simply transfer your points to your preferred Airline Partner and book your flights from there. Remember, you need to be a member of a Frequent Flyer program to be able to transfer points to your chosen airline.7
Choose from:
- Air New Zealand AirpointsTM
- Cathay Pacific Asia MilesTM
- Emirates Skywards
- Etihad Guest
- Malaysia Airlines Enrich
- Singapore Airlines KrisFlyer
- THAI Royal Orchid Plus
- Virgin Australia Velocity Frequent Flyer
- Virgin Atlantic Flying Club
Transfer points to Hilton Honors and Marriott Bonvoy™
Hilton Honors
Hilton Honors points can be used for a wide variety of rewards in the Hilton Honors program, including free hotel nights, dream vacation packages, relaxing cruises or merchandise from an array of premier retailers.7
Marriott Bonvoy™
Marriott Bonvoy™ offers you the best rates at over 860 esteemed hotels. These include: Sheraton® Hotels and Resorts, Four Points® by Sheraton, W® Hotels, Le Méridien® and more, with no blockouts.7
More choices when you travel
Redeem points with Travel Agency Partners
American Express Travel Online
With American Express Travel Online, you can use points to book your next trip and enjoy no block out dates, no booking fees, and exceptional service every step of the way.12
With over 30 airline partners, odds are, you’ll be able to fly your favourite. Plus, our partnership with Webjet means you can use your Membership Rewards points to pay when booking online.13
If you prefer to book and plan your trip in person, visit your local Helloworld Travel branch and book your next trip using points or a combination of points and payment.13
Give friends and family the gift of choice
Shop online at David Jones or redeem for Gift Cards.
David Jones
You can shop online at David Jones8 with your points, or a combination of points and Card payment, for everything from fashion and beauty to homewares.
Gift Cards
Discover more ways to enjoy your Membership Rewards points by redeeming Gift Cards9of your choice from the American Express Gift Card collection. Choose from our wide selection of retail, travel and entertainment Gift Cards including Westfield, iTunes, Coles Group & Myer, The Restaurant Choice, Spa Finder and
more.
Pay down the balance on your Card
Points for Credit
Use points to pay down the balance on your Card.10
Select + Pay with points
You can use points from your available balance to pay for one or more eligible transactions on your statement and the credit will be applied to your account.14
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.5
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include 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 a payment aggregator may earn points 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.
2. Extend your cash flow by up to 51 days (excluding American Express Business Cards approved after 28 July 2022 which feature the extension of cash flow by up to 110 days): Depending on your Card product type, method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. 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. Eligibility criteria applies.
4. 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. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments Account and be registered to use AccessLine.
5. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending.
6. As long as your Account remains current and in good standing.
7. Points transfer. Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points to an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.
8. Subject to the Terms and Conditions of the Membership Rewards program available here and the David Jones Partner Terms and Conditions available at DAVIDJONES.COM.AU. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Minimum redemption amounts apply. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only.
9. 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. Minimum redemption amounts apply.
10. Points for Credit. Points may be redeemed by the Card Member for a credit on the 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. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund. If redeeming with Points + Pay, the ‘pay’ component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only. Minimum redemption amounts apply.
11. FXIP Service 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. FXIP transactions are excluded from the standard MR earn rate as per the Membership Rewards Terms and Conditions.
12. 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.
13. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet.com.au and Helloworld 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. Partners apply. Subject to the Membership Rewards Terms and Conditions and the Partners' booking Terms and Conditions.
14. Select + Pay with points: For each successful transaction with Select + Pay with points, points will be debited from your Membership Rewards Account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. Minimum redemption amounts apply. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Rewards Credit”. Points will be debited immediately, and the credit will take up to 3 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. Select + Pay with points is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund.
Enjoy peace of mind when you travel for business.
With complimentary Travel Insurance and 24/7 support if you ever you lose your Card, you can travel the world with less worry.
Complimentary Travel Insurance
Use your American Express Business Card to book your return trip to receive complimentary domestic and international Travel Insurance.6
Your Business Travel Insurance6 includes:
- Public Transport Accident Cover
- Business trip Completion Cover
- Travel Inconvenience Cover
Cover is available for you, your spouse and your dependent children 25 years of age or younger, as well as your Employee Business Card Members.
For the full Business Card Insurance Terms and Conditions, please click here.
Receive a replacement Card virtually anywhere in the world
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.7 Just make sure you inform us as soon as possible to ensure that you won't be liable for any unauthorised charges.7
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Benefit from instantly replacing your Card on your mobile wallet if you already have this provisioned on your phone.
Then once you receive your new Card, simply activate it at amex.com.au/activate
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.8
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. 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 a payment aggregator may earn points 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
2. Extend your cash flow by up to 51 days (excluding American Express Business Cards approved after 28 July 2022 which feature the extension of cash flow by up to 110 days): Depending on your Card product type, method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. 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. Eligibility criteria applies.
4. 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. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments Account and be registered to use AccessLine.
5. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending.
6. 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 Business 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 the American Express Business 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.
7. Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
8. Subject to the Terms and Conditions of the Membership Rewards program. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.
Business made easier.
We’ve created a range of services and tools that help make doing business easier, wherever you are.
We’re here to help
Whether home or travelling abroad we’re here to help, including 24/7 Live Chat. Simply call the number on the back of your Card.
Contact us on 1300 366 549
Emergency Card Replacement
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.6
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Because we know your time is valuable, we’ve made it easy to manage your Account online.
Additionally, with the American Express Mobile App, you can view your statements7, make payments, check your points balance, and set up Card Alerts from anywhere in the world.
- Don’t have an online Account yet?
- Create your Account or call 1300 366 549 for assistance.
- Download the American Express® Mobile App
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.6
Just make sure you inform us as soon as possible to ensure that you won't be liable for any unauthorised charges.
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Benefit from instantly replacing your Card on your mobile wallet if you already have this provisioned on your phone.
With our Fraud Protection Guarantee, you can use your Card with confidence, knowing you’re protected against unauthorised purchases.8
If you notice anything unusual on your Card statement, notify us straight away and you’ll be covered for any unauthorised purchases
Call 1300 366 549 and press Option 3.
With American Express, you can make Card payments and manage your Account on any device using Apple Pay®, Samsung Pay® or Google Pay®.
You’ll also continue to enjoy all the rewards and benefits of your American Express Membership when paying with your compatible device.
To get started, simply load your Card details to the relevant app on your mobile, and use it to pay.9
Idea Exchange
Let’s share what it means to do business
The Idea Exchange is back – bringing new opportunities for our community of business customers to share their curiosity, smarts and success.
American Express Experiences®
Enjoy some of the world’s most unforgettable experiences with American Express Experiences®.
Access pre-sale tickets to your favourite artists, or the best seats in the house with American Express Reserved Seating offers.
Plus, you’ll have the chance to relax before the show in one of our dedicated exclusive Card Member lounges at Qudos Bank Arena Sydney, the First State Super Theatre in Sydney, or the Brisbane Entertainment Centre.
Save money on some of the biggest and best brands with Amex Offers.
All you have to do is save the Offers you want to your Card, spend with that brand using your registered Card and watch the savings add up as credits on your Account.
Login to your Account online or download the American Express app to save the offers to your Card.
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.10
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. 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 a payment aggregator may earn points 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.
2. Extend your cash flow by up to 51 days (excluding American Express Business Cards approved after 28 July 2022 which feature the extension of cash flow by up to 110 days): Depending on your Card product type, method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. 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. Eligibility criteria applies.
4. 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. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments Account and be registered to use AccessLine.
5. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending.
6. Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
7. By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at anytime by changing your preferences in your Online Services Account or by notifying us on 1300 366 549.
8. Fraud Protection Guarantee: Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.
9. Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc., Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.
10. Subject to the Terms and Conditions of the Membership Rewards Program. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.
Flexibility to help you grow your business.
Your American Express Business Card also gives you access to services and tools that help you run and grow your business.
Enjoy more flexibility to grow your business
Your Business Card provides up to 51 days2 to pay for purchases, assisting with cash flow, as well as no preset spending limit6 giving you greater flexibility to make larger purchases.
American Express AccessLine®
Make fast and secure payments to virtually all your suppliers – both domestic and international – even if they don’t accept Card payments.4
Ask for your Business Card statement to be issued the day before your regular invoices are due and your cash flow can be extended by up to 51 days.
It's a simple way to extend your cash flow on your largest invoices or recurring bills every month2 – giving you more flexibility to grow your business, manage your short-term cash flow or earn interest on your funds.
Your Card also has no preset spending limit giving you greater flexibility to make larger purchases and/or supplier payments.6
If you’re planning to make a large purchase on your Card, you can also use the Check Spending Power tool once you’ve set up your Online Account.
With AccessLine, you can make fast and secure payments to virtually all your suppliers - both domestic and international – even if they don’t accept Card payments.4
What’s more you can earn American Express Membership Rewards points in the process.7
Gain greater transparency over your business spend and simplify employee expense management by adding employees to your Account.5
Plus, if you're enrolled in Membership Rewards, you'll earn points on your Employee Card(s) spend too.7
Have you ever wished you had the cash flow to upgrade your business equipment or get a new initiative up and running? Or maybe there were discounts on bulk purchases that could save your business money?
With Flexible Payment Option on your American Express Business Card Account, you have instant access to a line of credit when you need it. Interest charges apply and enrolment required.3
Because we know your time is valuable, we’ve made it easy to manage your Account online.
Additionally, with the American Express Mobile App, you can view your statements8, make payments, check your points balance, and set up Card Alerts from anywhere in the world.
- Don’t have an online Account yet?
- Create your Account or call 1300 366 549 for assistance
- Download the American Express® Mobile App
Sync your Platinum Business Card transactions with MYOB to ensure a more efficient and seamless business finance experience.9
Card Members must be enrolled with MYOB for the automatic transaction data feed to take place.
For more information and to enrol your Card, please visit myob.com.au/bank-feeds
The Annual Fee may be tax deductible for your business. Please contact your tax advisor/accountant to confirm the availability of a deduction for your business.
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.10
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. 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 a payment aggregator may earn points 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.
2. Extend your cash flow by up to 51 days (excluding American Express Business Cards approved after 28 July 2022 which feature the extension of cash flow by up to 110 days): Depending on your Card product type, method of payment, 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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. 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. Eligibility criteria applies.
4. 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. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments Account and be registered to use AccessLine.
5. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending.
6. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.
7.. The earning and redemption of Membership Rewards points is subject to the Terms and Conditions of the Membership Rewards Program, available at membershiprewards.com.au/termsandconditions. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.
8. By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at anytime by changing your preferences in your Online Services Account or by notifying us on 1300 366 549.
9. MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.