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Terms & Conditions

1L. 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.

2L. Qantas Points on flights for your business: A business must be a Qantas Business Rewards Member to earn triple Qantas Points for business. The triple Qantas Points for business are only available for American Express Qantas Card Members when the Card is used to make an eligible Qantas flight booking. Qantas will allocate to the business an amount equal to the Qantas Points earned by the traveller when travelling for business against a rate of either: 20% (Level 1); or 30% (Level 2); or 40% (Level 3) multiplied by three.  An eligible flight means a domestic or international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business on or after the date the business registers for Qantas Business Rewards. Exclusions apply. Triple Qantas Points for Business is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member's ABN and traveller's Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. The maximum number of Qantas Points that can be earned from flying by a business with the American Express Qantas Corporate Card is 4,000,000 per membership year as per the Triple Qantas Points for business benefit terms.

3L. Entry into The American Express Lounge is governed by the full Terms and Conditions available at All entrants must adhere to the General Conditions of Entry. American Express Corporate Platinum Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.

4L. 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 Qantas Corporate 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 Qantas Corporate 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.

5L. Cash flow: Cash flow can be extended by up to 51 days for charge Card products 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.

6L. 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.

7L. Membership Rewards Spirit program for Employees: Subject to the Terms and Conditions of the Membership Rewards program available here. Your Company must allow participation in Membership Rewards to be eligible to enrol. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. The redemption of Qantas Points is subject to the Qantas Frequent Flyer program terms and conditions available at A joining fee may apply. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). 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 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.

^Membership Rewards points can be transferred to the company’s Qantas Business Rewards account. A business must be a Qantas Business Rewards Member to earn Qantas Points. 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).

8L. As long as your account remains current and in good standing.

9L. Travel Services are arranged by American Express International Inc. (ABN 15 000 618 208). Licensed travel agent, 12 Shelley Street, Sydney, NSW. Licence No. ACT 212/D, NSW 2TA000113, VIC 30233, QLD TAG132, WA 9TA81, SA TTA 214584, TAS 064

10L. 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.

11L. Available to American Express clients that are enrolled in Concur Expense® and ExpenseIt, fees and charges may apply.

12L. 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.

13L. 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 558 891. Once you have notified us, you are not liable for any unauthorised charges.

14L. Emergency Global Assist: You must arrange all medical and visitor transportation. As the Global Assist Hotline is an assistance service, we cannot reimburse you for expenses you incur on your own. Please refer to the Global Assist Summary of Coverage for additional details and restrictions. Only available when you travel more than 200km from your home, for up to 90 consecutive days.

15L. After a Company registers for this service, Card Members must then enrol individually with American Express. In addition, proof of identity to comply with government requirements may be required. Card Members will be informed via post when they have been enrolled and will be supplied with a PIN. Maximum cash limit of AUD 6,500 applies.

16L. 50,000 Membership Rewards Bonus Points: The Offer is only open to residents of Australia aged 18 years or over who are employed by an organisation, (Australian Company, Partnership, Registered Foreign Company, Unregistered Foreign Company, Government Body, Co-operative, Incorporated Association, Unincorporated Association, Trust) with a valid ABN and an annual turnover of AU$10,000,000 per annum or more. Offer only available to Card Members that apply, are approved, and spend $10,000 on eligible purchases within the first two (2) months of the American Express® Qantas Corporate Card approval date. 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. Offer applies to the first Card applied and approved for the Company. Companies who currently hold, or who have previously held any American Express® Corporate Card or American Express® Qantas Corporate Card in the last 18 months are ineligible for this offer. To earn the 50,000 Membership Rewards Bonus Points, the company’s Corporate Card program must be in good standing. 50,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express® Corporate Card has a standard annual fee of $70 and a Membership Rewards fee of $89.

17L. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch 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.

18L. American Express @ Work®:  Authorised Company Program Administrator(s) must be enrolled to @ Work to access Company Card Program services. Use of the @ Work Services is restricted to those authorised users designated by their Company.  To apply for access visit: or contact your local PA Servicing Team or your Account Manager for further details.

19L. Points for Credit: Points may be redeemed by the Basic Card Member 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 Card Member's other Accounts with American Express are not in good standing or overdue. The redemption of points for credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund. Minimum redemption rates apply.

20L. Points Plus Pay allows you to choose the number of points you redeem above a specified minimum level and pay for the remainder with an accepted payment card (including VISA, MasterCard or American Express). Points Plus Pay Flights are available on any flight with a Qantas (QF) or Jetstar (JQ) flight number or selected partner airlines when travelling on a Qantas fare and booking on for yourself or any eligible family member. As long as there is a seat available for sale, you can book a Points Plus Pay - Flight. The points required for a Points Plus Pay - Flight includes taxes, fees and carrier charges (except any local airport fees or charges collected at the time of check-in) are subject to change and are quoted at the time of booking. Qantas Points and Status Credits may not be earned on some fare types or on oneworld® alliance or airline partner flights. See the Airline Earning Tables for eligible flights and earning classes. See more information and full terms and conditions.