Start of menu
Close Menu

Compare Business Cards

Welcome Offer

 
 
 

New Card Members who apply by 31 March 2017, are approved and spend $5,000 in the first 2 months of Card Membership will receive 150,000 Membership Rewards points1

New American Express Card Members who apply for the Gold Business Card, are approved and spend $1,000 in the first 2 months of Card Membership will receive 10,000 Membership Rewards points1

-  
-  
-  
-  
-  

Annual Fee

 
 
 

$1,500 p.a.

$169 annual Card fee

$80 p.a. Membership Rewards fee (optional)

$299 p.a.

$109 annual Card fee

$80 p.a. Membership Rewards fee (optional)

$160 p.a.

$249 p.a.

$160 p.a.

Flexible cash flow arrangement

 
 
 

Up to 51 days to pay2

Up to 51 days to pay2

Up to 51 days to pay2

Up to 51 days to pay1

Up to 55 Interest – Free Days1

Up to 51 days to pay1

55 Interest – Free Days1

Earning Rewards

 
 
 

2 points per $1 spent at eligible restaurants, airlines, accommodation, foreign currency, selected advertising media channels, selected couriers and selected IT retailers3

1 point per $1 spent on all other purchases, except those listed in 0.5 points

0.5 points per $1spent on utilities, insurance (except those issued by American Express) and government bodies

There is a points threshold of 375,000 points per membership year, after which your earn rate will revert to 1 point per $1 spent (except for spend at merchants where you earn 0.5 points per $1 spent.)

1 point per $1 spent on all purchases except those listed below

0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies

Earn points by joining the Membership Rewards Ascent Program3

2 Qantas Points2 per $1 spent on selected Qantas services3 in Australia

1 Qantas Point per $1 spent on Card purchases, except those listed in 0.5 points

0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies

1 Point per $1 spent on all purchases, except those listed below

0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies

Earn points by joining the Membership Rewards Ascent Program2

2 Qantas Points per $1 spent on selected Qantas services2 in Australia

1 Qantas Point per $1 spent on Card purchases, except those listed in 0.5 points

0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies3

2 Velocity Points per $1 spent with Virgin Australia

1 Velocity Point per $1 spent on all other spend, except those listed in 0.5 points

0.5 Velocity Point per $1 spent on utilities, insurance (except those issued by American Express) and government bodies2

2 Points per $1 spent up to a cap of 100,000 Membership Rewards points, after which you'll earn 1 point per $1spent, excluding the categories below where you'll earn 0.5 per $1 spent2

0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies2

Receive Complimentary enrolment in the Membership Rewards Ascent program

Using Rewards

 
 
 

Transfer your points to a choice of 10 leading airline rewards programs4 including Qantas Frequent Flyer

You can use your points for flights and a wide range of other rewards, from shopping online at DAVIDJONES.COM.AU5 to Gift Cards6 or use them to pay off some of the balance on your Card7

Transfer points to any of our 9 airline rewards partners and 2 leading frequent guest partner programs4

Pay with points online at DAVIDJONES.COM.AU5 or with a range of Gift Cards6 partners

Redeem your points for foreign currency7

Use points to pay off some of the balance on your Card8

Use points for Award Flights4 or for a range of products, Gift Cards and experiences from the online Qantas Frequent Flyer Store5

With Ascent you can transfer points to any of our 9 airline rewards partners and leading frequent guest partner programs3

Pay with points online at DAVIDJONES.COM.AU4 or with a range of Gift Cards5 partners

Redeem your points to pay for foreign currency6

Use points to pay off the balance on your Card7

Use points for Award Flights4 or for a range of products, Gift Cards and experiences from the online Qantas Frequent Flyer Store5

Redeem your Points for a range of flights with Virgin Australia and their international airline partners3,

Redeem Points towards a seat upgrade, a stay at selected hotels, to book a hire car4

Redeem Points for an extensive range of items from the Velocity Rewards Store4

Transfer points to any of our 9 airline rewards partners and 2 leading frequent guest partner programs3

Pay with points online at DAVIDJONES.COM.AU4 or with a range of Gift Cards5 partners

Travel Rewards

 
 
 

Access to Platinum Travel Service8

Complimentary Virgin Lounge access9

Priority Pass membership10 to VIP lounges worldwide

FINE HOTELS & RESORTS Program11

Hotel Elite Tier Program giving access to Club Carlson’s Gold Elite12 and Starwood Gold Preferred Guest Membership13

Platinum Travel Insurances including Travel Inconvenience cover14

-  

Travel inconvenience cover6

-  

Travel inconvenience cover6

2 annual complimentary single entry passes to the Virgin Australia Lounge5

Travel Inconvenience cover6

-  

Airport Lounge Access

 
 
 
 
-  
-  
-  
-  
 
-  

Concierge Service

 
 
 
 
-  
-  
-  
-  
-  
-  

Monthly Business Expenses Insurance

 
 
 
 
-  
-  
-  
-  
-  
-  

Travel Insurance

 
 
 
 

Travel inconvenience cover9

 
 
 
 
-  

Transport Accident Cover

 
 
 
 
 
 
 
-  
 
-  

Refund Protection

 
 
 
 
-  
-  
-  
-  
-  
-  

Purchase Protection

 
 
 
 
 
-  
-  
-  
-  
-  

Online Fraud Protection Guarantee

 
 
 
 
 
 
 
 
 
 

Emergency Card Replacement

 
 
 
 
 
 
 
 
 
 

World Class Service

 
 
 

Concierge service15

Instant Account Alerts

Digital news subscription16

Access to By Invitation Only events

Fine Dining privileges17

Instant Account Alerts

Instant Account Alerts

Global customer service team

Instant Account Alerts

Global customer service team

Instant Account Alerts

Global customer service team

Global customer service team

24/7 online account access

Card Type

 
 
 

Charge Card

Charge Card

Charge Card

Charge Card

Credit Card

Charge Card

Credit Card

Eligibility: minimum personal gross (pre-tax) annual income

 
 
 

$75,000

$24,000

$24,000

$24,000

$24,000

$24,000

$24,000

Terms and conditions:

 
 
 

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 10 January 2017 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.

1. Offer only available to new American Express Card Members who apply by 31  March 2017, are approved and spend $5,000 on their new Card in the first 2 months from the Card approval date. Card Members who currently hold or who have previously held any other Small Business Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 150,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.  Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au

2. 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.

3. Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in available here. Spending at restaurants, airlines and accommodation, major cruise and tour operators will only be eligible for 2 Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive 2 points for restaurants. Spend on airlines or spend on accommodation is eligible for the 2points when paid directly to the merchant or through a travel agent. Selected advertising media channels include, but are not limited to: Fairfax, News Ltd, Google, The Canberra Times, Pacific Publications, ACP Publishing, Cumberland. Selected couriers include, but are not limited to: FedEx, UPS, Schenker Australia, DHL. Selected IT retailers include Apple, Dell, IBM, and exclude department stores and general computer suppliers. Membership Rewards points are awarded on the AUD equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for 2 points if the transactions are made in Australia.

4. Membership of the relevant airline travel rewards or frequent guest program is the Card Member’s responsibility and a Card Member must be enrolled prior to any points transfer request. A joining fee may apply. The redemption of Membership Rewards points will be administered solely by American Express and is subject to the Terms and Conditions of the Membership Rewards program. Award seats and nights are subject to capacity controls and availability is limited. Award seats are not available on all routes. Please check availability with the partner prior to transferring your points. Charges/levies/taxes may apply. 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. You must redeem a minimum of 5,000 points (applicable to Singapore Airlines KrisFlyer, Asia Miles and Thai Airways International Royal Orchid Plus), 2,000 points (applicable to Air New Zealand Airpoints, Velocity Frequent Flyer), 1,000 points (applicable to Etihad Guest, Hilton HHonors, and Starwood Preferred Guest), or 500 points for Malaysia Airlines Enrich Miles and you must redeem Membership Rewards points in whole numbers. Once the points have been transferred they become the subject to the Terms and Conditions of the participating airline, travel or frequent guest partner and cannot be transferred back in to your Membership Rewards account.

5.Subject to the Terms and Conditions of the American Express Membership Rewards program available here and David Jones partner Terms and Conditions available at davidjones.com.au. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards.. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time.

6.Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

7. Points may be redeemed by the Basic 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. 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.

8. All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand. Full Terms and Conditions available here. Travel services provided by American Express International, Inc. ABN 15 000 618 208. Incorporated with limited liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW 2000. Licence No. NSW 2TA000113, ACT 212/D, QLD TAG132, VIC 30233, WA 9TA81, SA TTA 214584, TAS TAS064.

9. Access is complimentary for the Basic Platinum Business Card Member and one complimentary guest only. The Basic Platinum Business 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 Business Card. The Platinum Business Card Member and guest must present his or her valid Card and same-day boarding pass (containing their Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Basic Platinum Business Card Member permitted .All access is subject to space availability. Visit virginaustralia.com/lounge for full terms and conditions.

10. Complimentary Priority Pass membership is available to the Basic Platinum and one nominated Supplementary Card Member per account on enrolment to Priority Pass membership. It can take up to eight weeks to receive Priority Pass card. Platinum Business Card Members must present the Priority Pass card and same day boarding pass to gain entry into the lounge. Use of this card means full acceptance of Priority Pass conditions of use. Any travel companions will be assessed a guest visit fee at the prevailing rate, currently USD27, per person, per visit. The fee will be charged to the Platinum Card account on file. Additional Supplementary Card enrolments will be charged at a reduced rate of USD249, per year. Visit prioritypass.com for full program terms and conditions.

11. Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service and Platinum Travel online. Payment must be made in full with an American Express Card in the Australian Platinum Card Member's. Available for Australian Platinum Charge Card Members and excludes Platinum Credit Card Members. Participating FINE HOTELS & RESORTS properties and benefits are subject to change. Local taxes, service charges, deposit and cancellation polices apply which will be advised at point of reservations, and borne by the Card Member accordingly.

12. Enrolment in the Club Carlson programme is required. Benefits are subject to change. Gold Elite level amenities may not be combined with the Fine Hotels & Resorts programme. All Club Carlson terms and conditions apply. To view terms and conditions visit here. Program enrolment is valid as long as you are a Platinum Business Card Member and your account is in good standing and not overdue.

13. Enrolment in the Starwood Preferred Guest Program is required. Benefits are subject to change. Gold Preferred level amenities may not be combined with the Fine Hotels & Resorts Program. Terms and Conditions of the Starwood Preferred Guest Program apply and can be found here. Program enrolment is valid as long as you are a Platinum Business Card Member and your account is in good standing and not overdue.

14. 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 Terms & 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.

15. To be eligible to use this service a minimum of 100,000 Membership Rewards points applies. There is typically no charge for Platinum Business Concierge, although you are responsible for any purchases and/or shipping charges you authorise. Fees may apply for meetings and event planning. Return of rewards or items still in 'as sold' condition will not be accepted as part of this service. Members are unable to change or cancel orders after points have been redeemed or payment made.

16. Conditions apply. Availability is limited to one table per restaurant, up to four diners. Restaurant partners are subject to change without notice. All bookings must be made through Platinum Concierge.

17. Only one subscription per American Express Platinum Business Card account. Supplementary Card Members are not eligible for the subscription. Subscription valued by Fairfax. Subscriptions will last 12 months. You cannot change to another subscription during the first 12 months. 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 (afr.com/subscription_terms/ or theage.com.au/conditions or smh.com.au/conditions).

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 May 2015 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.

1. Offer only available to new American Express Gold Business Card Members who apply, are approved and spend $1,000 on their new Card in the first 2 months from the Card approval date. Card Members who currently hold or who have previously held any other Small Business Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 10,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.  Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au

2. 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.

3. Membership Rewards Ascent enrolment required. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

4. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Members responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply.

5. Subject to the Terms and Conditions of the American Express Membership Rewards program available here and David Jones partner Terms and Conditions available at davidjones.com.au. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time.

6. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

7. Photo identification is required for redemption. Points are calculated on AUD equivalent. Redemption of foreign currency only available in American Express Foreign Exchange branches. A Disclosure Document will be provided where Travellers Cheques and American Express GlobalTravel Cards are sold and are available upon request. You should request an American Express Financial Services Guide and consider the appropriateness of Travellers Cheques and American Express GlobalTravel Cards in relation to your individual requirements. Travellers Cheques are issued under American Express International, Inc (ABN 15 000 618 208, AFSL No. 237996). Incorporated with limited liability in Delaware, USA. American Express GlobalTravel Card is issued by American Express Travel Related Services Company, Inc. Incorporated with limited liability in New York, USA. ®Registered trademark of American Express Company.

8. Points may be redeemed by the Basic 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 or overdue. 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.

9. 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 Terms & 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.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 17 October 2014 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.

1. Depending upon 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. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Points are earned in accordance with and subject to the Qantas American Express Business Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs, and exclusions apply. Eligible purchases do not include annual fees, late payment fee, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Business Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs

3. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account i.e. directly from Qantas, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products.

4. Qantas & Partner Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. The number of seats available depends on the flight, date, season and destination. For Classic Award flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com.au.

5. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of Qantas Points for items through the online store is subject to terms and conditions (including the Store Terms of Use and voucher terms and conditions). See qantas.com/store for further details. The range of products and the points required are subject to change and products are available while stock lasts.

6. 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 Terms & 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.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 17 October 2014 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.

1. 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. Membership Rewards Ascent enrolment required. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

3. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply.

4. Subject to the Terms and Conditions of the American Express Membership Rewards program available at membershiprewards.com.au/termsandconditions and David Jones partner Terms and Conditions available at davidjones.com.au. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time.

5. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

6. Photo identification is required for redemption. Points are calculated on AUD equivalent. Redemption of foreign currency only available in American Express Foreign Exchange branches. A Disclosure Document will be provided where Travellers Cheques and American Express GlobalTravel Cards are sold and are available upon request. You should request an American Express Financial Services Guide and consider the appropriateness of Travellers Cheques and American Express GlobalTravel Cards in relation to your individual requirements. Travellers Cheques are issued under American Express International, Inc (ABN 15 000 618 208, AFSL No. 237996). Incorporated with limited liability in Delaware, USA. American Express GlobalTravel Card is issued by American Express Travel Related Services Company, Inc. Incorporated with limited liability in New York, USA. ® Registered trademark of American Express Company.

7. Points may be redeemed by the Basic 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. 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.

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 17 October2014 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.

1. The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on Cash Advances or for any purchases where you are carrying forward a balance on your account from the previous statement period.

2. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account i.e. directly from Qantas, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products. Subject to Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs

3. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Points are earned in accordance with and subject to the Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfer payments, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs

4. Qantas & Partner Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. The number of seats available depends on the flight, date, season and destination. For Classic Award flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com.au.

5. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of Qantas Points for items through the online store is subject to terms and conditions (including the Store Terms of Use and voucher terms and conditions). See qantas.com/store for further details. The range of products and the points required are subject to change and products are available while stock lasts.

6. 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 Terms & 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.

To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available from www.velocityfrequentflyer.com, as amended and notified to you from time to time.
Cards are offered, issued and administered by American Express Australia Limited.

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $24,000 per annum to apply for the American Express Velocity Business Card. American Express approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 17 October 2014 and are subject to change.

1. 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. 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, fees and charges for traveller's cheques and 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 at americanexpress.com.au/velocitypointsconditions. The earn rate of 2 Points per $1 spent on Virgin Australia only applies to purchases made in Australia.

3. When redeeming Reward Seats with 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 Points earn with Velocity airline partners. Name changes and refunds are not permitted for certain fare types. Credit/Debit Card charges will apply: $4.50 per person per sector for Virgin Australia domestic flights, $7 per person per sector for Virgin Australia international short-haul flights and $25 per person per booking for Virgin Australia international long-haul flights and flights operated by partner airlines. A phone booking fee applies: $30 per person for Virgin Australia domestic and international short-haul flights and $50 per booking for Virgin Australia international long-haul flights and flights operated by partner airlines. 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

4. Velocity membership and Points earn and redemption are subject to the Velocity Membership Terms and Conditions available at www.velocityfrequentflyer.com

5. Access is complimentary for the Basic VelocityBusiness Card Member and one complimentary guest only. The Basic Velocity Business 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 VelocityBusiness Card. The VelocityBusiness Card Member and guest must present his or her valid Card and same-day boarding pass (containing their Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Basic Velocity Business Card Member permitted. Guest must be travelling on the same Virgin Australia flight 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.

6. 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 Terms & 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.

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees, charges and interest rates apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 17 October 2014 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.

1. The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on Cash Advances or for any purchases where you are carrying forward a balance on your account from the previous statement period.

2. Membership Rewards Ascent enrolment required. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

3. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply.

4. Subject to the Terms and Conditions of the American Express Membership Rewards program available at membershiprewards.com.au/termsandconditions and David Jones partner Terms and Conditions available at davidjones.com.au. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time.

5. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

The American Express® Platinum Business Card
The American Express® Gold Business Card
The Qantas American Express® Business Card
The American Express® Business Card
The Qantas American Express® Business Credit Card
The American Express® Velocity Business Card
The American Express® Business Accelerator Credit Card

Business Cards-

Interested in other Business Cards? Browse our collection to find the right Card for you.

View all Business Cards View all Business Cards

Need Help?

Choose the Cards you wish to compare using the ‘Add a Card’ and ‘Remove’ options on the left

Looking for a Personal Card? Browse our collection to find the right Card for you.

View all Personal Cards