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Key Information
Charge Card
Access a line of unsecured funding with flexible spending power3
Annual Fee
$249 p.a
Cash Flow Period
Up to 51 days to pay for purchases4
Annual Employee Card Fee
$99 per Employee Card, up to 99 Cards2

How You Earn Velocity Points

2

Velocity Points

per $1 spent

on travel with Virgin Australia5

1

Velocity Point

per $1 spent

on everyday business spend5

0.5

Velocity Points

per $1 spent

on ATO and government spend6

Key Benefits

Put your feet up in the Virgin Australia lounge

Escape the crowds with two complimentary passes to the Virgin Australia lounge7 at selected domestic airports each Membership year.

Enjoy Complimentary Travel Insurance

Receive complimentary Domestic and International Travel Insurance for you, your spouse, and your Employee Card Members

Simplify business payments with AccessLine®18

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.

All Benefits

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Earn up to 2 Velocity Points per Dollar Spent5

Earn Velocity Points per $1 spent on your Card with:

- 2 Points per $1 on travel spend with Virgin Australia
- 1 Point per $1 on everyday business spend
- 0.5 Points per $1 on ATO and government spend.6

Plus, you’ll enjoy uncapped Points earn and the convenience of an automatic monthly Points transfer to your Velocity account.

    Save on Business Travel Courtesy of your Points

    Redeem your Velocity Points to save on business-class flights, upgrades, hotel stays, and car rental for you and your employees. Earning and redeeming Points9 are subject to the Velocity Membership Terms and Conditions.

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      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.

        Give your Business up to 51 Days to Pay for Purchases4

        Take advantage of up to 51 days to pay for purchases.

          Flexible Payment Option10

          Optimise your business cash flow by choosing to pay off a portion of your balance, over time up to your Flexible Payment Option limit. This allows you to navigate business fluctuations and seize opportunities. Interest charges apply.

            Easily Manage and Consolidate Employee Expenditure

            Maximise your cash flow and reporting efficiencies with Employee Cards2 issued to key staff. By consolidating their spend into a single payment method, you’ll not only gain the increased control and visibility needed to make informed decisions, Employee Cards earn Points at the same rate as the Primary Card. Annual Employee Card Fee of $99 per Employee Card, up to 99 Cards applies.

              Simplify business payments with AccessLine®18

              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.18

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                Save More with Flight Discounts

                As a Virgin Australia Business Flyer Member save up to 6% on great value fares on eligible flights, when booked via the Booking Portal or through a travel management company.11

                  Visit the Lounge for Less

                  Receive discounted annual Virgin Australia Domestic Lounge Memberships for your team.12

                    Earn Velocity Frequent Flyer Points

                    Earn Velocity Frequent Flyer Points for your business and your team on eligible Virgin Australia flights.13

                      The More You Spend on Flights, the Faster You’ll Be Rewarded

                      The more you spend on flights with Virgin Australia, the higher your membership tier and benefits. Learn more about Tier Status here.14

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                        Automate your Financial Reporting

                        Instantly consolidate and streamline your business' financial reporting with automatic transaction feeds from your Card Accounts into Intuit Quickbooks, MYOB19 and Xero.

                          Quickly Replace Cards When You Need Them

                          Don't stress about losing your Card again. Virtually no matter where in the world you are, lost or stolen Cards can usually be replaced within 48 hours.15

                            Stay Secure with Fraud Protection16

                            Your Card is protected by American Express’ global fraud detection and unauthorised transaction liability coverage, helping to shield you and your business against unauthorised transactions.

                              Leave your Wallet at Home

                              Use Apple Pay®, Samsung Pay, or GooglePayTM on your mobile or wearable device to pay quickly and securely using your linked Card.17.

                                Am I Eligible?

                                To apply for an American Express Velocity Business 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 Velocity Business Card.

                                Velocity Business Card FAQs
                                What is the difference between the American Express® Velocity Business Card and the American Express Velocity Personal Cards?
                                The American Express® Velocity Business 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 American Express Velocity Platinum Card and Escape Plus 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 Velocity Business Card, you can get up to 99 Employee Cards at $99 per Card2 per year.
                                Does the Amex Velocity Business Card come with a pre-set spending limit?
                                The American Express Velocity Business 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 Velocity Business Card?
                                The Amex Velocity Business Card has an annual Card Fee of $249 p.a.
                                What are the eligibility requirements for the Amex Velocity Business Card?
                                To be eligible for an Amex Velocity Business 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 Velocity Business Card give access to an airport lounge?
                                The Amex Velocity Business Card comes with two complimentary passes to the Virgin Australia lounge at selected domestic airports each Membership year. Please note that the Card Member must be flying with Virgin Australia7.
                                How do I earn and redeem the Velocity Points on the Card?
                                The Points you earn on the Amex Velocity Business Card are automatically transferred into your Velocity account each month. You can then redeem them for a range of rewards9:

                                • Flights & upgrades – You can book Reward Seats using Velocity Points to more than 500 destinations with Virgin Australia and selected airline partners9, use Points + Pay to save on flights, or treat yourself with an upgrade to Economy X or Business on eligible Virgin Australia fares20.
                                • Hotels & car hire – Use your Points or Points + Pay to book one of the 400,000 hotels21 across the globe or to hire a car22.
                                • Shopping – Get a gift card or shop at the Velocity Rewards Store23 or online at Myer (a minimum redemption value of 3,000 points applies per transaction).
                                Can I pay for my purchases over time?
                                The Amex Velocity Business 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)10.
                                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 Velocity Business Card to make domestic payments to virtually any Australian business, even if they don’t take Card payments18. 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

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