- Bonus offers: Get up to 150k bonus Qantas Points - 100k bonus Qantas Points when you spend $6k on eligible purchases in the first 3 months from card approval plus an additional 50k bonus Qantas Points when you keep the card for over 15 months. New card. T&Cs, eligibility criteria, fees and charges apply.
- Earn Qantas Points: Earn 0.75 Qantas Points per $1 spent on eligible purchases up to and including $15,000 per statement period and 0.5 Qantas Points per $1 spent on eligible purchases above $15,000 per statement period. Earn 0.5 uncapped Qantas Points per $1 on government spend.
- Travel extras: You and employees with the new ANZ Qantas Business Rewards credit card can use complimentary domestic and overseas travel insurance, and 24/7 Global Business Concierge Services. T&Cs, eligibility criteria and limits apply.
- Freebies: You'll join the Qantas Business Rewards membership for free when you use this link here, plus access bonus points and discounts on business-related services.
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ANZ Credit Cards
ANZ Qantas Business Rewards Credit Card
Updated 23 February 2026
Lucrative and smart, the new ANZ Qantas Business Rewards credit card is rewarding small to medium Aussie businesses 🛠 To start, you could pocket an enormous 150k bonus Qantas Points when you apply and get approved.
Then, you can earn uncapped Qantas Points on eligible purchases, join the Qantas Business Rewards loyalty program for free through the link below and get upgraded to Level 2 for 12 months to earn even more points and business perks.
Terms and conditions apply.
Points Earn Rate (per $1 spent)
0.75 points
0.75 Qantas Points for every $1 up to and including $15k; 0.5 Qantas Points for every $1 over $15k, uncapped
Rewards Program
Qantas Frequent Flyer
Bonus Points
Up to 150,000 pts
100k when you spend $6,000 on eligible purchases in the first 3 months from approval plus an additional 50k bonus Qantas Points when you keep the card for over 15 months
Pros and cons
- Employee cards are $75 annually
- Qantas Points can't be transferred or gifted
- The annual fee is $300 plus $75 p.a. rewards fee per card per year
Creditcard.com.au review
Editor Review
ANZ Qantas Business Rewards Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the ANZ Qantas Business Rewards card?
Business Ace: you want a smarter business strategy by earning points and freebies, tracking employee spending and simplifying accounts. |
The ANZ Qantas Business Rewards is a new credit card that brings some interesting features to the market. It has an enormous bonus point offer and a number of ways to earn points on spending, including ATO payments. I like that it gives you the opportunity to earn even more extra points using your free Qantas Business Rewards membership.
It also makes tracking and tax-time easier with data feeds to popular accounting software, allows unlimited employee cards and has a range of business-related insurances. It’s a high-powered business credit card with a reasonable annual fee.
Full Review: ANZ Qantas Business Rewards Card
From interesting ways to earn points to nifty tech and business perks, there are a lot of ways this card can work for your business. I’ll start by unpacking the bonuses.
Bonus points. You can earn up to 150,000 bonus Qantas Points - 100k bonus Qantas Points when you spend $6000 on eligible purchases in the first 3 months after approval plus an additional 50k bonus Qantas Points when you keep the card for over 15 months.
Annual fee. The yearly fee consists of a $300 annual fee and a $75 Rewards Fee (because you’re earning points outside of ANZ’s rewards program).
To take advantage of the bonus points offer, you must not currently hold or have held an ANZ Qantas Business Rewards and/or an ANZ Business Black card within the last 12 months.
This account comes with 55 days interest-free, which helps with cashflow. You can pay invoices as you’re able to throughout the 30-day statement period, and then you have an extra 25 days to pay the balance before interest is charged.
Mastering the 55 days interest-free helps maximise the value of your points and keep your business expenses down.
How does the card work for your business?
The ANZ Qantas Business Rewards card does a great job of simplifying invoices and tracking employee expenditure.
Here are some of the facilities you’ll get:
Integration with business software. You can set up daily data feeds to Xero, MYOB, Inuit QuickBooks Online, SISS, Saasu, Reckon and The Access Group.
Simple monthly statements. Transactions are sorted by cardholder so you can track employee spending.
Control individual cards. You can set monthly spend caps and transaction limits to keep employee spending in check. You can also set individual Merchant Category Restrictions, which stop the cardholder from spending at specific places (supermarkets or cafes, for instance).
Free Business Rewards membership and upgrade. The Qantas Business Rewards loyalty program gives members access to flight discounts and epic bonus points on business-related services like energy plans, point-of-sale systems and car hire. If you're not a member of Qantas Business Rewards, you can save on the usual $89.50 joining fee by using this link for complimentary membership. New and existing level 1 members also get an automatic upgrade to Level 2 of the program for 12 months when you apply and are approved for an ANZ Qantas Business Rewards card by 30 June 2026. Benefits include up to 9% off eligible flights, additional points for flights and 30% off Qantas Club membership.
Lastly, you can get a decision on your credit card application in around 20 minutes through ANZ GoBiz. You’ll need to be using Xero, MYOB or Inuit QuickBooks and have at least 6 months of reconciled data in AUD.
To apply, at least one director, partner or proprietor applying for the account must be a permanent Australian resident over 18 years old. You must have held an ABN/ACN and be registered for GST if your turnover is more than $75,000 per year (and your turnover can't be more than $10 million).
Just remember this card is for business use only, not personal, and that to be eligible for the bonus points offer you must not currently hold or have held an ANZ Qantas Business Rewards and/or an ANZ Business Black card within the last 12 months.
How many Qantas Points can you earn?
Besides the 150,000 bonus points, this card earns points on everyday business purchases too.
Points on purchases. You’ll earn uncapped Qantas points, but it is a tiered structure. For eligible everyday business spending, you'll earn 0.75 Qantas Points per $1 on eligible spend up to and including $15,000 in a statement period, then 0.5 points per $1 above $15,000 per statement period.
Points on tax payments. Many credit cards don’t earn points on government payments, but this one does. You’ll get 0.5 Qantas Points per $1 spent, uncapped, on taxes paid to the Australian Taxation Office as well as other tax payments or duties, including overseas tax payments.
Bonus points on special products. You’ll get 1 Qantas Point per $1 you spend on selected Qantas products and services, including QF flights and Qantas Club membership fees.
| 💡 Points can be redeemed for flights and additional baggage, hotel bookings and for items and services in the Qantas Marketplace. |
I’ll take a moment to highlight which transactions won’t earn points, according to ANZ’s terms and conditions:
BPAY payments, cash advances, Cash Equivalent Transactions and AFTs, bank fees, charges or interest charges, government fines, bond payments or when the account is in arrears. Check the using this ANZ Qantas Business Rewards Credit Card information PDF for more information.
More deal-sweeteners and perks
ANZ has a few more extras to throw your way that make business life a little easier.
Complimentary insurances. Complimentary domestic and international travel insurance is included, as well as unauthorised transaction insurance. Just remember the check the eligibility criteria for travel insurance, which can include criteria such as spending at least $250 of travel costs on the card. You may be covered for rental vehicle excess as well.
ANZ Global Business Concierge. You can use concierge services 24/7 in 12 languages for travel information and to book flights, hotels, restaurants and ticketed events. It also gives you access to priority tickets and discounts for special experiences, sporting events and trade shows.
Unlimited credit cards. There is no limit to the amount of cardholders you can add on, just be aware that each cardholder will cost $75 per year.
What’s not so great
This is a card with a lot of convenience for business owners. The biggest downside is the Reward Fee per cardholder per year - although there are other cards out there that charge far more than $75 a year.
I should also point out that your Qantas Points can’t be transferred or gifted to anyone. They are held in your Qantas Business Rewards account (which you’ll get free with the credit card, saving you $89.50) for you to use for business purposes.
Who is this card for?
Small to medium business owners will get the most value out of this card. It earns Qantas Points at a good rate and it’s a bonus that you can earn points on tax payments. Using points for services, travel and retail goods can help offset business costs, too.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 21.74% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $5,000
Maximum credit limit N/A
Fees & repayments
Annual fee $375 p.a.
Additional cardholder fee $75 rewards fee per card per year
Foreign transaction fee 3%
Minimum repayment Personal cards: 2% of the Closing Balance, rounded up to the nearest dollar, or if that amount is $25 or less, the lesser of $25 and the Closing Balance. Business cards: 2% of the Closing Balance, rounded up to the nearest dollar, or if that amount is $10 or less, the lesser of $10 and the Closing Balance.
Cash advance fee Personal cards: 3% of the transaction value or $3 / Business cards: 1.5% of the transaction value or $1.50; (whichever is greater)
Late payment fee $35
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points Up to 150,000 points
Annual points cap uncapped
Bonus points spend criteria 100k when you spend $6,000 on eligible purchases in the first 3 months from approval plus an additional 50k bonus Qantas Points when you keep the card for over 15 months
Earning points with this card
Qantas Rewards points 0.75 points per $1 spent
Points cap per month 0.75 Qantas Points for every $1 up to and including $15k; 0.5 Qantas Points for every $1 over $15k, uncapped
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz global assistance
Complimentary Qantas Business Rewards membership (save $89.50)
ANZ Global Business Concierge
Unlimited employee cards
Domestic Travel Insurance
Unauthorised Transaction Insurance
Overview
ANZ Qantas Business Rewards Credit Card
With the ANZ Qantas Business Rewards Card, you’ll receive a complimentary Qantas Business Rewards membership (an $89.50 value), with all your monthly Qantas Points automatically credited. The card also includes complimentary insurance for travel and shopping, Visa PayWave for quick and secure payments, and worldwide emergency card replacement. Plus, gain access to exclusive offers in travel, leisure, dining and shopping through Visa Offers + Perks.
Key features
- Up to 150,000 bonus Qantas Points - 100k bonus Qantas Points when you spend $6000 on eligible purchases within 3 months of approval plus an additional 50k bonus Qantas Points when you keep the card for over 15 months
- Earn 0.75 Qantas Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Taxation payments also earn 0.5 Qantas Points per $1 spent, uncapped
- Waived membership fee for Qantas Business Rewards when you join using this link here
- Automatic upgrade to Level 2 of the program for 12 months when you apply and are approved for an ANZ Qantas Business Rewards card by 30 June 2026.
- Complimentary domestic and overseas travel insurance
- 24/7 Global Business Concierge Services
- Unauthorised Transaction Insurance
Minimum criteria to apply for this card
-
Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Must be a permanent Australian resident, either a director, partner, or proprietor, with valid ABN or ACN. ANZ GoBiz applications: a minimum of 12 months operating under the same ABN or ACN, 6 months of reconciled financial data in AUD, GST registration for a business turnover of at least $75,000 annually, and an annual turnover not exceeding $10 million.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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