American Express® Qantas Business Rewards Card
Earn up to 1.25 Qantas Points per dollar spent and receive two annual complimentary domestic Qantas Club lounge invitations with the Amex Qantas Business Rewards Card.
- Signup bonus
- 150,000 bonus Qantas Points + half annual Card fee of $225 (normally $450) in the first year* , when you apply, are approved, and spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. Offer ends 1 July 2025. T&C's apply. New American Express Card Members only.
- Points Earned
- Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business purchases, and 0.5 Qantas Points per $1 spent on government charges. 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.#
- Notable Benefits
-
- 2 Qantas Club lounge invitations each year⁺
- Earn Triple Qantas Points for your business on eligible Qantas flights#
- Complimentary Travel Insurance
- Charge Card – Access a line of unsecured funding with flexible spending power^
- Apple Pay, Google Pay and Samsung Pay
- Annual fee
- Half annual Card fee of $225 (normally $450) in the first year, and $450 p.a. ongoing plus up to 99 Employee Cards at no additional cost
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Why we like the American Express Qantas Business Rewards Card
The American Express Qantas Business Rewards Card lets you earn up to 1.25 Qantas Points per dollar spent on your everyday business expenses.
Qantas Points in your Qantas Business Rewards account can be redeemed for flights & upgrades or transferred to any Qantas Frequent Flyer member at a 1:1 conversion rate. Those points can then be redeemed for your business, including for hotels, wine, fuel, car hire or on over 20,000 products such as fashion, tech, home, sport and more from the Qantas Marketplace.
Plus, the points your business earns when flying will be tripled when you book eligible flights with your Card.
Other benefits of this card include the ability to issue up to 99 Employee Cards for no additional cost. There’s also two annual domestic Qantas Club lounge passes each membership year and complimentary international travel insurance, which covers you and all of your Employee Card Members.
Key Information & How to Apply
Key facts about this cards
- Card type
- American Express
- Signup bonus
- 150,000 bonus Qantas Points + half annual Card fee of $225 (normally $450) in the first year* , when you apply, are approved, and spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. Offer ends 1 July 2025. T&C's apply. New American Express Card Members only.
- Annual fee
- Half annual Card fee of $225 (normally $450) in the first year, and $450 p.a. ongoing plus up to 99 Employee Cards at no additional cost
- Interest-free days
- Up to 51 days
- Minimum monthly repayment
- 100% of outstanding balance
- Minimum credit limit
- No minimum credit limit specified
- Minimum income requirement
- Annual business revenue of $75,000 or more with a valid ABN registered for GST
- International transaction fee
- 3.0%
To apply for this card, you will need
- To be an Australian citizen or permanent resident aged 18 or over and a Director or controller of the business
- Annual business revenue of $75,000 or more with a valid ABN registered for GST
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Contents
Sign-up bonus
Earn 150,000 bonus Qantas Points when you apply for a new American Express Qantas Business Rewards Card, are approved and spend $6,000 on eligible purchases within the first 3 months of your approval date.* Plus you’ll also enjoy a half annual Card fee of $225 in the first year* (normally $450). Offer ends 1 July 2025. T&Cs apply.
This offer is not available to existing American Express Card Members, or if you have been the primary Card Member of an Australian Amex card in the past 18 months.
What you could do with the bonus Qantas Points
As an example, it would cost 83,000 Qantas Points (plus taxes & carrier charges) for a return Qantas Business Classic Reward ticket from Sydney or Melbourne to Perth.
Note that Classic Flight Reward seats are subject to availability and are not offered on all flights.
American Express Qantas Business Rewards travel benefits
Here’s an overview of the travel benefits you can expect…
Airport lounge access
American Express Qantas Business Rewards Card Members receive two domestic Qantas Club lounge passes each membership year after making an eligible Qantas purchase. These can be used to access any Qantas Club lounge in Australia prior to a domestic Qantas or Jetstar flight.
Complimentary travel insurance
This Card comes with complimentary domestic and international travel insurance. This insurance is underwritten by Chubb and is available when using your American Express Qantas Business Rewards Card to pay for your return trip.
Employee Card Members can also use the travel insurance benefit.
Before using this insurance, we’d encourage you to read the PDS here.
Earning Qantas Points
With the American Express Qantas Business Rewards Card, you’ll earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend and 0.5 Qantas Points per $1 spent on government, utilities and insurance spend. 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.^
Qantas Points in your Qantas Business Rewards account can be redeemed for flights & upgrades. They can also be transferred to any Qantas Frequent Flyer member’s account at a 1:1 rate. A minimum transfer amount of 3,000 points applies.
Up to 20,000 points transferred during each membership year into your Qantas Frequent Flyer account can also be counted towards Qantas Points Club and Points Club Plus attainment.
Points in your Qantas Business Rewards account may expire if there is no activity in your account for more than 18 months. But regularly earning points with your card will keep your account balance active.
Bonus Qantas Points when flying Qantas
When purchasing eligible Qantas products and services, you’ll earn 2 Qantas Points per $1 spent (instead of the usual 1.25 points per dollar).^
Plus, the points your business earns when flying will be tripled when you book eligible flights with your Card.#
Earning Qantas Points for government payments
Payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia with your Card will still earn Qantas Points, but at a reduced rate of 0.5 points per $1.^
Using Qantas Points
You can redeem Qantas Points towards a wide range of rewards including flights, upgrades, wine, hotel bookings, car rentals, Qantas Marketplace purchases and even Classic Rail Rewards.
Arguably, the best value uses of Qantas Points are on Classic Upgrade Rewards and Classic Flight Rewards. You can request an upgrade with Qantas Points on any Qantas operated and marketed flight, or book a Classic Flight Reward seat with Qantas or any of its many partner airlines.
Qantas Classic Flight Rewards start at 6,400 Qantas Points + taxes & carrier charges for flights in Jetstar Economy Class (e.g. on the Sydney-Gold Coast route).
Reward flights on Qantas start from 8,000 Qantas Points in Economy or 18,400 Qantas Points in Business Class, plus taxes & carrier charges (e.g. for a Brisbane-Canberra flight). You can check the number of Qantas Points needed on any route for an upgrade or reward flight on the Qantas website.
Qantas is part of the Oneworld alliance, meaning you can redeem Qantas Points to fly with any of the other Oneworld member airlines.
A particularly popular use of Qantas Points is the Oneworld Classic Flight Reward. This lets you travel around the world on Oneworld airlines with up to 5 stopovers. This costs 132,400 Qantas Points in Economy Class, 318,000 Qantas Points for Business Class or 455,000 points in First Class.
Qantas’ other partner airlines include Emirates, Jetstar, China Eastern, Fiji Airways, El Al, KLM and LATAM Airlines.
Classic Flight Reward bookings can be excellent value – especially if you’re booking a seat in Premium Economy, Business or First Class. However, beware that reward seat availability is limited. It can be difficult to find seats on popular routes and peak travel dates, especially if you’re looking for multiple seats.
When redeeming Qantas Points for a Classic Flight Reward redemption, you’ll need to pay any applicable taxes & carrier charges in addition to the points. On some airlines, such as Emirates, these carrier charges can be quite expensive. However, other Qantas partner airlines have relatively low or no carrier charges including Fiji Airways, American Airlines, Alaska Airlines, LATAM Airlines, China Eastern, China Airlines and Air New Zealand.
For more details on redeeming Qantas Points, see AFF’s Overview of Qantas Frequent Flyer Redemptions.
Other useful American Express Qantas Business Rewards Card benefits
Here are some of the other benefits available with the American Express Qantas Business Rewards Card…
Summary
Pros
- One of the highest earning business cards for Qantas Points
- Earn Qantas Points in your Qantas Business Rewards account and redeem them for business flights & upgrades
- Two complimentary domestic Qantas Club lounge passes each membership year
- Charge Card – Access a line of unsecured funding with flexible spending power=
- No fee for up to 99 Employee Cards
- Complimentary domestic and international travel insurance, including for Employee Card Members, when you pay for your return trip with your Card
- Compatible with Apple Pay, Google Pay & Samsung Pay
Cons
- International transaction fees apply
- Points are earned at a reduced rate when spending with government bodies
- By earning Qantas Points rather than Amex Membership Rewards Points, you lose the flexibility to transfer the points to other frequent flyer programs
- Signup bonus
- 150,000 bonus Qantas Points + half annual Card fee of $225 (normally $450) in the first year* , when you apply, are approved, and spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. Offer ends 1 July 2025. T&C's apply. New American Express Card Members only.
- Points Earned
- Earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 spent on everyday business purchases, and 0.5 Qantas Points per $1 spent on government charges. 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.#
- Notable Benefits
-
- 2 Qantas Club lounge invitations each year⁺
- Earn Triple Qantas Points for your business on eligible Qantas flights#
- Complimentary Travel Insurance
- Charge Card – Access a line of unsecured funding with flexible spending power^
- Apple Pay, Google Pay and Samsung Pay
- Annual fee
- Half annual Card fee of $225 (normally $450) in the first year, and $450 p.a. ongoing plus up to 99 Employee Cards at no additional cost
The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.
Frequently Asked Questions (FAQs)
To apply for an Amex Qantas Business Rewards Card, you would need to be an Australian citizen or resident and be a director or controller of a GST-registered business with a valid ABN and turnover of at least $75,000 per year. Other criteria may apply.
No, the American Express Qantas Business Rewards Card is a charge card. This means your business must pay off the card balance in full each month.
The American Express Qantas Business Rewards Card is a Charge card. Unless American Express 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 businesses 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.
After making an eligible Qantas purchase, Card Members receive two domestic Qantas Club passes each membership year. These invitations can be used prior when flying with Qantas or Jetstar.
Yes, but payments to government bodies including the Australian Tax Office (ATO) will earn points at a reduced rate of 0.5 Qantas Points per dollar (instead of the usual 1.25 point per dollar on everyday purchases).
Your Qantas Business Rewards account is for your business and is linked to an active ABN. Points are accrued by your business’ Qantas Business Rewards account when spending on the American Express Qantas Business Rewards Card. You can also earn points in Qantas Business Rewards when booking flights for yourself or your employees, or when your business spends with any other Qantas Business Rewards partner. These points can then be redeemed for flights or transferred to any individual’s Qantas Frequent Flyer account at a 1:1 rate, where they can be used in any of the many ways you can use regular Qantas Points on hotels, wine, fuel, car hire or use points on over 20,000 products including fashion, tech, home, sport and more from the Qantas Marketplace.
Qantas Points in a Qantas Business Rewards account will only expire if you do not earn or redeem at least one point for more than 18 months. As long as your Qantas Business Rewards account remains active, i.e. by earning and/or redeeming points at least once every 18 months, your points will not expire.
Yes, the American Express Qantas Business Rewards Card supports Apple Pay, Google Pay and Samsung Pay.
It is possible to add up to 99 Employee Cards to your American Express Qantas Business Rewards Card account at no additional cost.
Yes, Employee Card Members can also benefit from the Complimentary Travel Insurance offered with this card when you pay for your return trip using your card.
Disclaimer:
* Earn 150,000 bonus Qantas Points
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. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as “utilities” including gas, water and electricity providers; “government” including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and “insurance” excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions.
From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
# Triple Qantas Points on flights for your business
A business must be a Qantas Business Rewards Member to earn triple Qantas Points for business. The triple Qantas Points for business are only available for American Express Qantas Card Members when the Card is used to make an eligible Qantas flight booking. Qantas will allocate to the business an amount equal to the Qantas Points earned by the traveller when travelling for business against a rate of either: 20% (Level 1); or 30% (Level 2); or 40% (Level 3) multiplied by three . An eligible flight means a domestic or international flight which has a Qantas ‘QF’ flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with ‘081’; and is booked and travelled for business on or after the date the business registers for Qantas Business Rewards. Exclusions apply. Triple Qantas Points for Business is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member’s ABN and traveller’s Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. The maximum number of Qantas Points that can be earned from flying by a business with the American Express Qantas Business Rewards Card is 4,000,000 per membership year as per the Triple Qantas Points for business benefit terms.
⁺ Qantas Domestic Lounge passes
Provided the Primary Card Member is a Qantas Frequent Flyer member and has registered their Qantas Frequent Flyer number with your business’ American Express Qantas Business Rewards Card, your business is eligible to receive two domestic Qantas Club Lounge Invitations each anniversary year of Card Membership once your business makes an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by the business. Visit the Complimentary Invitations Portal to access invitations, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to their expiry. Invitations are subject to the Qantas Club terms and conditions. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your business’ American Express Qantas Business Rewards Card account is not in good standing, if the Eligible Qantas Purchase is refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.
⁼ Flexible Spending Power
Unless American Express 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.
