- Big bonus: You’ll earn 130k bonus Qantas Points when you apply by 13 January 2026 and spend $3,000 on eligible purchases in the first 2 months. New Amex Card Members only. T&Cs apply.
- Earning points: Earn 2 Qantas Points per $1 spent on Qantas products and services, and 1.25 points per $1 on everyday business purchases. After earning 500,000 Qantas Points in a calendar year, the everyday earn rate drops to 0.75 Qantas Points per $1.
- Extra points: Earn 0.5 Qantas Points per $1 on government, utilities and insurance payments.
- Travel extras: Complimentary travel insurance, 2 domestic Qantas Club lounge passes per year, and access to savings on eligible Qantas flights with free Qantas Business Rewards membership.
- Other features: $450 annual fee, 51 days to pay for purchases, and up to 99 Employee Cards at no extra cost. Flexible spending power.
- *Please note: terms and conditions apply, please check our review and the PDS for details.
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American Express Credit Cards
American Express Qantas Business Rewards Card
Updated 15 October 2025
This charge card means business with 130,000 bonus Qantas Points when you apply by 13 January 2026 and spend $3,000 on eligible purchases within the first two months of approval. It rewards business owners with flexible spending power, Qantas flight discounts, and the ability to earn points on eligible business purchases.
It also comes with a suite of travel benefits, including complimentary travel insurance, Qantas Club lounge passes, and up to 99 free Employee Cards—ideal for businesses looking to manage spending and earn rewards at the same time.
New Amex Card Members only. Terms and conditions apply.Points Earn Rate (per $1 spent)
1.25 points
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
130,000 pts
When you spend $3000 in first 2 months
Pros and cons
- High annual fee.
- Must pay off the balance in full each month.
Creditcard.com.au review
Editor Review
American Express Qantas Business Rewards 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 Amex Qantas Business Rewards card?
Business Ace: you want a smarter business strategy by earning points and freebies, tracking employee spending and simplifying accounts. |
This card has features as big as the breath you need to say its name. Amex has designed its Qantas Business Rewards charge card to be a money management tool with a load of extras and points to reward you generously for your business spending.
As long as its benefits outweigh the annual fee for you, a business card like this can be a great tool for keeping your accounts together, tracking employee expenses and saving on regular costs like travel insurances.
⚠ FYI, the bonus points offer won’t apply if you’ve held an American Express card in the previous 18 months. Also, this card is a charge card, which isn't a line of credit - you won't pay interest but you will need to pay it off in full each month, unless you use a Flexible Payment Option* (more on that below).
Editor's Review: What I love about the American Express Qantas Business Rewards card
I’ll start by breaking down some of its big features. There is a lot to this card, so strap in.
⇢ Bonus points: You’ll get 130,000 bonus Qantas Points when you apply by 13 January 2026 and spend $3,000 on eligible purchases within the first 2 months of approval. The points will be added to your account 8–10 weeks after you meet the spend requirement. T&Cs apply. New American Express Card Members only.
(And, if you’re wondering what an eligible purchase is, the card’s PDS says it does not include “Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion.”)
⇢ Earning points: You’ll earn 2 Qantas Points per $1 spent on Qantas products and services, 1.25 Qantas Points per $1 on everyday business purchases, and 0.5 Qantas Points per $1 on government, insurance and utilities. Once you’ve earned 500,000 Qantas Points in a calendar year, your earn rate on everyday spend changes to 0.75 Qantas Points per $1 until 1 January of the next year.
⇢ Travel insurance: The complimentary travel insurance is a great perk — covering you, your spouse and your 99 Employee Card Members for return domestic and international trips (subject to eligibility, such as being under 79 and paying at least $500 of the trip cost on the card). Amex’s insurance also includes cruises, which is a rare inclusion.
⇢ Qantas Club lounge: You’ll get two complimentary passes to Qantas Club lounges in Australia each year once you’ve made an eligible Qantas purchase, such as booking a QF flight or paying for Qantas Business Rewards membership.
Other business perks and features
This card doesn't stop giving - here are other extras that help your business run more smoothly and save on dollars:
⇢ Consolidate business expenses. Keep all your business spending in one place. You can automate your reporting with direct feeds into MYOB, Quicken and Microsoft Excel.
⇢ Monitor employee spending. Easily track purchases and manage cash flow with up to 99 Employee Cards, which earn Qantas Points at the same rate as the primary account holder.
⇢ Don’t pay interest. Because this is a charge card, not a credit card, you won’t pay interest — but you do need to pay off your balance in full each month. You’ll have up to 51 days to pay for purchases and flexible spending power that adjusts with your business needs.
⇢ Flexible repayments. Amex offers a Flexible Payment Option (FPO) so you can choose to pay off part of your balance over time if needed. When you apply, you’ll receive a maximum amount you can use toward your FPO (similar to a credit limit). Standard purchase rates or statement rates apply, and additional fees may be charged.
*With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Full terms and conditions can be found on the Amex website.
How many Qantas Points can you earn?
The Amex Qantas Business Rewards card gives you multiple ways to earn points — and with Employee Cards, your business can really rack up rewards fast.
Here’s how you earn Qantas Points:
- 2 Qantas Points per dollar spent on Qantas products and services, such as Qantas flights, Qantas Holidays, and Qantas Club memberships.
- 1.25 Qantas Points per dollar on everyday business spend. After earning 500,000 Qantas Points in a calendar year, the everyday business earn rate drops to 0.75 Qantas Points per $1 until 1 January of the following year.
- 0.5 Qantas Points per dollar spent on government bodies, utilities and insurance (excluding American Express insurance).
- Earn bonus points with 50+ Qantas Business Rewards partners, including BP Plus, Xero, Alinta Energy, Avis, Accor Plus and BizCover.
Note: The 500,000 Qantas Points threshold resets on 1 January each year. Points earned by all Card Members under the same account contribute to the annual cap.
| 💡 You can use your Qantas Points for flights, upgrades, hotel stays, or transfer them to employees or clients with Qantas Frequent Flyer memberships. |
What's not so great...
There are really only two main downsides to the American Express Qantas Business Rewards Card: the annual fee and the repayment requirement. You'll need to make sure you're getting enough value from the rewards and perks to offset the $450 annual fee — though it can be tax deductible if the card is used solely for business purposes. You’ll also need to pay off the balance in full each month to avoid interest or fees.
Another thing to note is that the Qantas travel benefits have specific eligibility criteria, so it’s worth checking the PDS for details to make sure you’re maximising your rewards and travel perks.
Overall Rating
In the business card space, the Amex Qantas Business Rewards card continues to deliver great value. It offers strong points earning potential, premium travel benefits and flexibility that suit small and medium business owners.
The $450 annual fee may seem high, but with the right level of business spending, the Qantas Points and included perks can easily outweigh the cost. Just remember: this is a charge card, so it’s best suited to those who can pay off their balance in full each month.
This is a powerful business card with serious reward potential for frequent flyers and high-spending businesses.
Sources:
American Express Qantas Business Rewards Card information PDF
*American Express Qantas Business Rewards Card terms and conditions
User reviews
Rates and fees
Interest rates
Purchase rate N/A
Cash advance rate N/A
Interest free period on purchases up to 51 days
Credit limits
Minimum credit limit N/A
Maximum credit limit N/A
Fees & repayments
Annual fee $450 p.a.
Additional cardholder fee Up to 99 at no extra cost
Foreign transaction fee 3%
Minimum repayment $30 or 2.5% (personal); $20 or 3%, whichever is greater (business)
Cash advance fee N/A
Late payment fee $20 or 3%, whichever is greater
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 130,000 points
Annual points cap uncapped
Bonus points spend criteria When you spend $3000 in first 2 months
Earning points with this card
Qantas Rewards points 1.25 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Travel insurance underwritten by Chubb Insurance Australia Limited
Eligible with Apple Pay, Samsung Pay and Google Pay
Complimentary Qantas Business Rewards membership (saving $89.50)
Fraud Protection Guarantee
Two Qantas Lounge domestic passes every year
Overview
American Express Qantas Business Rewards Card
Receive 130,000 bonus Qantas Points when you apply by 13 January 2026, are approved, and spend $3,000 on eligible purchases on your American Express® Qantas Business Rewards Card within 2 months of your approval date.
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, utilities and insurance. After earning 500,000 Qantas Points in a calendar year, your everyday earn rate changes from 1.25 to 0.75 Qantas Points per $1 until 1 January of the next year.
Enjoy complimentary Qantas Business Rewards membership (valued at $89.50) with benefits including discounts on eligible Qantas flights, Qantas Club membership, and more. Get up to 99 Employee Cards at no additional cost, 51 days to pay for purchases, and complimentary Domestic and International Travel Insurance when you use your Card to pay for travel. Annual Card fee: $450.
Key features
- Earn 130,000 bonus Qantas Points when you apply by 13 January 2026 and spend $3,000 on eligible purchases in the first 2 months. New American Express Card Members only. T&Cs apply.
- Earn 2 Qantas Points per $1 on eligible Qantas products and services, and 1.25 Qantas Points per $1 on everyday business purchases (after earning 500,000 Qantas Points in a calendar year, the everyday earn rate drops to 0.75 Qantas Points per $1).
- Earn 0.5 Qantas Points per $1 on government, utilities and insurance payments.
- Complimentary travel insurance, plus 2 domestic Qantas Club lounge passes per year and access to savings on eligible Qantas flights with free Qantas Business Rewards membership.
- $450 annual fee, up to 51 days to pay for purchases, and up to 99 Employee Cards at no extra cost with flexible spending power.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.
-
Minimum income of $75,000 p.a.
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
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question68 questions (showing the latest 10 Q&As)
Using this card can I pay taxes to the ATO using BPay and still earn points. (I heard that this feature is no longer allowed by Qantas)
Hi David, this 0.5 points per dollar spent at “government services” is still on the official Amex site. Behind the scenes Amex pay Qantas for the points given to the cardholder, so it’s up to Amex for this points earning benefit.
How long will it take to process an application for the business card?
Hi Peter, If you're asking about how long the application-to-approval process takes, it may take anywhere between 7-10 business days. Thanks!
Hi Pauline,
I am a current FF member with a Qantas (personal card)
I am looking to get a business card for my business.
With my business card - would I be able to transfer points to my personal FF account?
Hi Steve, this is a great question! You can use the same FF account for your personal and business credit cards with no problem. The other thing you can look at doing is joining Qantas Business Rewards, which earns extra points on top of your normal credit card points, and you can transfer those to your personal frequent flyer account. There’s a lot of flexibility with the Qantas FF program. Good luck!
I run a small business contracts. Does this card still offer points on those purchases even if they earn a lower rate?
Hi Paul, I’m not sure I totally understand your question, but I can tell you that points are awarded according to how the merchant (the seller) has set up their own payment system. Essentially, they would need to have a merchant code that Amex sees as one that earns points. This card earns 0.5 points on government spending and the everyday earn rate will reduce to 0.75 points per $1 after you earn 500,000 points in a year.
is this card be applied by individual who is not running business instead a salaried employee?
Hi Chaithanya, this card is specifically designed for business purposes, so it’s tailored to support the financial needs of businesses rather than individual employees. You also need to have an ABN and be registered for GST to be eligible to apply. If you’re a salaried employee and looking for a card that suits your personal needs, you may check some of the other Qantas or rewards cards for options.
Can I apply for this card as a personal card, I do not have any business, the 170000 points, is that 170k Qantas points or AMEX points?
Hi Wenbo, this card requires you to have a valid ABN and be registered for GST to apply. If you're looking for a points earning card, there's a range of personal use frequent flyer credit cards you can compare and apply for.
Hi Pauline,
Does this card have an annual fee like the similar card, The Qantas American Express Ultimate Card, that has a 23.99% p.a. interest rate?
Thankyou,
Chelsea
Hi Chelsea, yep the annual fee is currently the same for both cards, $450. The Qantas Business Rewards card is for business use only, and comes with mostly business-related perks. Thanks Chelsea
Hi,
I currently have an ANZ Frequent Flyer Platinum Visa card that I use for my business as well as the odd personal purchase. I recently noticed the American Express Qantas Business Rewards Card and the 100000 points that new card applicants can receive if $3k is spent in the first 2 months which I would definitely do. Is the AMEX card a better option for earning FF points or should I stick with the ANZ card? Any advice would be great. Thank you
Hi Chadd, it really is a game of comparison. The ANZ has a cheaper annual fee but earns almost half the points per $1 of the Amex. So, you’d need to think about how much you typically spend and see if you’d earn more using the Amex even with the extra annual fee cost. Also, it’s a very normal practice to switch credit cards to access bonus points, and then switch back after a year or two (as long as your credit is good). I hope that’s helped, Chadd!
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