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All your business. One account.
Add an Employee Card to better
manage your expenses.
All your business. One account.
Add American Express Employee Card to better manage your expenses.
More visibility, more control, one account.
Employee Cards can help streamline your business spend and give you greater visibility over your expenses, while enabling you to earn more rewards.
Earn points on more purchases
Employee Cards earn points at the same
rate as your Primary Card (if enrolled).
More Cards = more Points.1
Manage expenses on the go
View, track and repay employee spend
through your Online Account or the
Amex App.
See important numbers clearly
Make clearer decisions on cash flow
with a consolidated, real-time view of
your business outgoings.
Select your Card and have your
applicant details ready.
Click Apply Now to start your
application.
Complete and submit your
application. If we need more
information, we’ll be in contact.
Choose a Card to get started
The Card you choose must correspond with you Primary Card.
The American Express®
Platinum Business Employee Card
The American Express® Gold Business Employee Card
The American Express Business Explorer® Employee Credit Card
The American Express® Qantas Business Rewards Employee Card
The American Express®
Business Employee Card
The American Express® Velocity Business Employee Card
The Qantas American Express® Business Employee Credit Card
The American Express® Business Accelerator Employee Credit Card
Manage employee spend,
no matter where it happens
See how an Employee Card can help bring your business greater control over the important numbers.
FAQs
No – you can only apply for the same Employee Card as your Primary Card. For example, if you hold a Platinum Business Card, you can only apply for a Platinum Business Employee Card.
Charges made are the responsibility of the Primary Business Card Member and the Employee Card Member. However, charges will be billed to the Primary Card Member's Account.
As the Primary Card Member, you can do this anytime via your Online Account, your monthly statement or by calling the number on the back of your Card.
As the Primary Card Member, you will have all points earned from an Employee Card directly credited to your Account (provided you are enrolled in Membership Rewards).
Once an application is approved, the Employee Card will be delivered via post to the Primary Card Member within 7 business days. It will then need to be activated by the Employee Card Member using the instructions on the back of it.
* Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. 20,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account up to 8-10 weeks following the successful approval of each Employee Card application within offer period. If the Card Member cancels their Employee Card within 3 months of approval, the bonus points will be revoked. Offer ends 31 December 2021.
^ Subject to the Terms and Conditions of the Membership Rewards program available here. 20,000 bonus Membership Rewards points will be awarded to the eligible Card Member's account up to 8-10 weeks following the successful approval of each Employee Card application within offer period. If the Card Member cancels their Employee Card within 3 months of approval, the Bonus Points will be revoked. Offer ends 30 April 2021.
~ 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. 10,000 bonus Qantas Points will be awarded to the eligible Card Member's account up to 8-10 weeks following the successful approval of each Employee Card application within offer period. If the Card Member cancels their Employee Card within 3 months of approval, the Bonus points will be revoked. Offer ends 30 April 2021.
1. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions.
2. American Express approval criteria apply. Subject to Terms and Conditions. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. Please note Employee Cards are referred to as Supplementary Business Cards in some Terms and Conditions and marketing materials. Please note Primary Cards are referred to as Basic Cards in some Terms and Conditions and marketing materials. The Employee Card Member is jointly and severally liable with the Basic Business Card Member and the Business for all charges made on the Employee Card.
3. The American Express Platinum Business Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full Terms and Conditions here. Travel Inconvenience Cover is automatically effective by being an American Express Platinum Business Card Member. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.
4. The Centurion Lounge Network. Platinum Card Members have unlimited complimentary access to The Centurion Lounge locations. Platinum Card Members may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age can access the lounge free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Platinum Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Centurion Lounge is a day of departure lounge. Platinum Card Members who have landed will not be able to access the lounge. Card Members with layovers or connecting flights who produce proof can access the lounge. Platinum Card Members cannot access The Centurion Lounge more than 3 hours before the scheduled departure time on their same-day, confirmed boarding pass. This does not apply to Card Members with a connecting flight. Platinum Card Members will not be compensated for changes in locations, rates or policies. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. Platinum Card Members are allowed access to The Centurion Lounge in all U.S. locations. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. The Centurion Lounge hours may vary by location and are subject to change. Amenities may vary among The Centurion Lounge locations and are subject to change. In-lounge services and amenities are complimentary, however you are responsible for any purchases and/or servicing charges you authorise our Member Services Professionals to perform on your behalf. Some American Express® Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. International American Express Lounges. Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. Priority Pass: Your Priority Pass benefit will be limited to lounge access only. Non-lounge airport experiences in the form of food and beverage credits at restaurants, cafes and bars will no longer be available. From this date, to continue to enjoy access to over 1,200 lounges in 130 countries, please visit americanexpress.com.au/platinumlounges and log in for a list of available lounges. These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge, you will be automatically charged the guest visit fee equal to the visit fee of the Priority Pass Standard program for each guest. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfil on the Priority Pass program and may use this information for communications related to the program. The Card Member must enrol into Priority Pass. Once enrolled, Platinum Card Members in good standing may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass. In some lounges, the Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package, which you should receive within 4-6 weeks. Virgin Australia Lounges. Access is complimentary for Basic Platinum Card Member and one complimentary guest only. The Basic Platinum Card Member and guest must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card. The Platinum Card Member and guest must present his or her valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Basic Platinum Card Member permitted. Guest must be travelling on same Virgin Australia flights and present boarding pass. All access is subject to space availability. This benefit is subject to change. Visit virginaustralia.com/lounge for full terms and conditions.
5. Only one subscription per Basic Platinum Business Card Member and each Employee Platinum Business Card Member. The subscription cannot be replaced with an alternative Fairfax product. The subscription cannot be exchanged for cash or credit. The subscription is subject to Fairfax Terms and Conditions located at here. Please note Primary Cards are referred to as Basic Cards in some Terms and Conditions and marketing materials.
6. 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. Please note Employee Cards are referred to as Supplementary Business Cards in some Terms and Conditions and marketing materials. Please note Primary Cards are referred to as Basic Cards in some Terms and Conditions and marketing materials. The Employee Card Member is jointly and severally liable with the Basic Business Card Member and the Business for all charges made on the Employee Card.
7. The American Express Gold Business Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your American Express® Gold Business Card to pay for your return trip in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.
8. 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. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject to maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Business Explorer™ Credit Card to pay for return domestic or international travel. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No 291313) (“AEAL”) of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Terms and Conditions do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.
10. The American Express Qantas Business Rewards Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your American Express Qantas Business Rewards Card to pay for your return trip in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.
11. 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 363 687. If you are overseas, call us on +612 9271 8666. Once you have notified us, you are not liable for any unauthorised charges.
12. The American Express Business Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your American Express Business Card to pay for your return trip in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.
13. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject to maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Velocity Business Card to pay for return domestic or international travel. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) ("AEII") of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Velocity American Express Cards Points Terms and Conditions do not take into account your objectives, financial situation or needs. Velocity American Express Cards Points Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.
14. The Qantas American Express Business Credit Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your Qantas American Express Business Credit Card to pay for your return trip in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.