Skip to content
American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Customer ServiceLogin
‌
Key Information
Charge Card
Access a line of unsecured funding with flexible spending power3
Annual Fee
$450 p.a
Cash Flow Period
Up to 51 days to pay for purchases4
Annual Employee Card Fee:
No Fee for up to 99 Employee Cards2

How You Earn Qantas Points

Up to 4

Qantas Points

per $1 spent

2 Qantas Points on Qantas products and services5, plus 2 bonus Qantas Points on eligible Qantas flights once flown6

1.25

Qantas Points

per $1 spent

on everyday business spend and 0.5 Qantas Points on government, utilities and insurance per $1 spent5

After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent5
This excludes bonus Qantas Points.

Key Benefits

Complimentary Qantas Business Rewards Membership9

Welcome to the best of both worlds with your complimentary membership to the Qantas Business Rewards program. You can earn Qantas Points for your business with American Express and other Qantas Business Rewards Partners, while saving up to 10% on eligible Qantas flights10.

Make Yourself at Home at Qantas Club Lounges8

With two domestic Qantas Club Complimentary Lounge Invitations each year8 after your first Card spend on selected Qantas products and services. T&Cs apply.

Flexible Spending Power3 ​

Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit.

All Benefits

allbenefits-banner-image

Earn up to 4 Qantas Points per $1 spent

- 2 Qantas Points for every $1 spent on Qantas products and services5 plus 2 bonus Qantas Points on eligible Qantas flights once flown6
- Up to 1.25 Qantas Points for every $1 spent on everyday business purchases5
- 0.5 Qantas Points for every $1 spent on government, utilities and insurance5
- Accelerated points earn with over 50 Qantas Business Rewards partners


After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. This excludes bonus Qantas Points.5

    Use your Qantas Points for business travel

    Points are automatically transferred into your Qantas Business Rewards Account and can be redeemed for a range of rewards for your business including flights, seat upgrades and baggage#, or transfer them to your Frequent Flyer Account to use on hotels, car hire and more.

    See where your points can take you:

    Flight route options:

    ● Fly Sydney to Melbourne Business one way for 1 person from 19,300 Qantas Points plus AUD $86 taxes, fees and carrier charges.#
    ● Fly Melbourne to Auckland Business one way for 1 person from 43,600 Qantas Points plus AUD $172 taxes, fees and carrier charges#
    ● Fly Sydney to Tokyo Economy (HND) one way for 1 person from 36,200 Qantas Points plus AUD $184 taxes, fees and carrier charges.#

    Qantas Points required and taxes, fees and carrier charges displayed are accurate as at 01/07/2026 and are subject to change. Classic Flight Rewards availability is limited. For more information, visit Classic Flight Rewards.

    #Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards. Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are accurate as at 02/07/2026 and are subject to change.

      Boost your Qantas Points on Selected Purchases

      Give your points balance an additional boost when using your Card at eligible Qantas Business Rewards Partners – including fuel, technology, and more. Not only will you earn points for using your Card to pay, you'll be rewarded again with points from the Qantas Business Rewards Partner.

        Share the Love with Qantas Points11

        Flexibility of no limit on points transfers from your Qantas Business Rewards account to any personal Qantas Frequent Flyer account to spoil your clients or maximise your personal points balance. Then redeem points directly for flights, upgrades, hotel stays, car rentals, or holidays, as well as Gift Cards, lifestyle rewards, and thousands more products from the Qantas Marketplace.

          allbenefits-banner-image

          Expand your Business with Flexible Spending Power3

          Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.

            Extend your Cash Flow with up to 51 Days to Pay for Purchases4

            With up to 51 days to pay for purchases, you can give your business the financial breathing room to take greater control of your cash flow.

              Flexible Payment Option7

              With Flexible Payment Option, you can choose to pay off a portion of your monthly balance, up to your Flexible Payment Option limit, over time – allowing your business to seize more opportunities or overcome fluctuations in cash flow. Interest charges apply.

                Monitor and Control your Employee Expenditure

                Consolidate key employees' expenditure and gain greater visibility and control over your business' cash flow with up to 99 complimentary Employee Cards2. Employee Cards earn Qantas Points for your business at the same rate as your Primary Card.

                  Simplify business payments with AccessLine®15

                  AccessLine® allows you to use your Card to make domestic payments to businesses, even if they don’t accept Card. You’ll also earn points on every dollar spent. Enrolment required, subject to approval and T&Cs apply.15

                    allbenefits-banner-image

                    Your Card comes with Complimentary Travel Insurance12

                    Receive complimentary Domestic and International Travel Insurance for you, your spouse, and your Employee Card Members when you pay for your return trip with your American Express® Qantas Business Rewards Card.

                    Coverage includes:
                    - Medical Emergency Expenses Cover
                    - Business Trip Completion Cover
                    - Trip Cancellation and Amendment Cover
                    - Personal Liability Cover

                    Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).

                      Make your Travel more Comfortable with Complimentary Lounge Access8

                      With two domestic Qantas Club Complimentary Lounge Invitations each year8 after your first Card spend on selected Qantas products and services. T&Cs apply

                        allbenefits-banner-image

                        Simplify your Finances and Reports16

                        Automate your finances, reporting, and statements with direct feeds from your Card Accounts into Quicken™, Microsoft® Excel, and MYOB®16

                          Replacement Cards13

                          Whether you or your employee's Card is lost or stolen, American Express can usually replace it within 48 hours almost anywhere in the world.

                            Fraud Protection14

                            Know your Card is secure against global unauthorised transactions with American Express' fraud protection guarantee.

                              Am I Eligible?

                              To apply for an American Express Qantas Business Rewards Card you need to:

                              • Be aged 18 years or over
                              • Be an Australian citizen or permanent resident
                              • Be a Director or Controller of the business
                              • Have a good credit history and no payment defaults
                              • Have an annual business revenue of $75,000 or more
                              • Have a valid ABN registered for GST

                              Documentation

                              Information to have ready:

                              • Your personal income and your business revenue
                              • Your driver's licence (if you have one)
                              • The details of your business' ownership as it appears on ASIC (for the Director and/or Beneficial Owner)


                              This application takes approximately 10-15 minutes to complete. In the instance we need further information our friendly team will be in touch within 48 hours of receiving your application.

                              View the full Fee Schedule for the American Express Qantas Business Rewards Card.

                              Qantas Business Rewards Card FAQs
                              What is the difference between the American Express® Qantas Business Rewards Card and the Qantas American Express Personal Cards?
                              The American Express® Qantas Business Rewards Card is a Business Charge Card to use for your Business’ expenses. With this Card, both the business entity and the Card Member are liable for the Card’s debts and defaults.

                              The Qantas American Express Ultimate Card, Discovery Card and Premium Card are Personal Credit Cards to use for your personal expenses. With these Cards, the account holder is personally liable for the Cards’ debts and defaults.

                              With the Amex Qantas Business Rewards Card, you can get up to 99 Employee Cards at no additional fee2 and up to 51 days to pay for purchases.4.
                              Does the Amex Qantas Business Rewards Card come with a pre-set spending limit?
                              The American Express Qantas Business Rewards Card is a Charge Card which comes with flexible spending power, also known as no pre-set spending limit3. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.
                              What is the Card Fee for the American Express Qantas Business Rewards Card?
                              The Amex Qantas Business Rewards Card has an annual Card Fee of $450 p.a.
                              What are the eligibility requirements for the Amex Qantas Business Rewards Card?
                              To be eligible for a Qantas Business Rewards Card, you need to:

                              • Have a valid ABN registered for GST, a minimum annual business revenue of $75,000, a good credit history and no payment defaults.
                              • Be aged 18 years or over, an Australian citizen or permanent resident and be a Director or Controller of your Business.
                              Does the Amex Qantas Business Rewards Card give access to a Qantas Lounge?
                              The Amex Qantas Business Rewards Card comes with two complimentary domestic Qantas Club Lounge Invitations each Card Membership year8. Please note that these invitations are redeemable after the first eligible Qantas purchases on the Card and the Primary Card Member needs to be a Qantas Frequent Flyer member.
                              How do I earn and redeem the Qantas points on the Card?
                              The points you earn on the Amex Qantas Business Rewards Card are automatically transferred into your Qantas Business Rewards Account9. You can then choose to redeem them for a range of rewards for your Business including flights, seat upgrades and baggage#, or you can transfer them to any Qantas Frequent Flyer account11, including your own Account.

                              #Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.
                              What is the Qantas Business Rewards program?
                              Qantas Business Rewards is a rewards program designed for businesses and works alongside the Qantas Frequent Flyer program. The Qantas Points you earn by spending on your Card can be redeemed directly for flights from your Business Qantas Business Rewards Account or can be transferred to any individual’s Qantas Frequent Flyer account11. Some of the benefits include:

                              • Savings - Save up to 10% on the base fare of selected flights on domestic and international fares10.
                              • Earn Qantas Points for your QBR and QFF accounts – You earn Qantas Points twice: for the business and for the individual traveler. (Simply use your Business’ ABN and the individual’s Frequent Flyer account details when booking flights).
                              • Complimentary membership - The one-off fee of $89.50 to join the Qantas Business Rewards program will be waived for any business with an Amex Qantas Business Rewards Card9.

                              Please note that your Business must be a Qantas Business Rewards Member to earn Qantas Points for business.
                              Can I pay for my purchases over time?
                              The Amex Qantas Business Rewards Card comes with Flexible Payment Option. FPO is an existing line of credit feature embedded into your Charge Card, allowing you to free up cash flow. Instead of paying your balance in full each statement period, you can choose to pay off a portion of it (up to your FPO limit) over time (interest charges apply)7.
                              How can I pay my suppliers if they don't accept Amex or Card payments?
                              You can apply for American Express AccessLine with the Amex Qantas Business Rewards Card to make domestic payments to virtually any Australian business, even if they don’t take Card payments16. It is an easy-to-use payment portal which allows you to use your Amex Card to pay directly into your supplier’s bank account. Please note that a Trade Service Fee of up to 2.15% applies to all AccessLine transactions (unless we advise you otherwise).

                              Need help deciding?

                              Our business specialists can help you find a solution that matches your needs.

                              Call us at:

                              139 323

                              Monday to Friday 9:00am to 5:00pm AEST

                              Request a Callback

                              Other Recommended Cards For You

                              Earn 350,000 Bonus Membership Rewards® Points plus an $875 Credit

                              The American Express® Platinum Business Card

                              when you apply by 3 November 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

                              Earn 250,000 Bonus Membership Rewards® Points

                              The American Express® Business Gold Plus Card

                              when you apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.