Offer ends: 16 Jun 2026
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Card Overview
Earn 170,000 bonus Qantas Points¹ when you apply by 16 June 2026, are approved and spend $6,000 on eligible purchases on your new American Express® Qantas Business Rewards Card within 3 months of your approval date.
Key Attributes
Earn
Qantas Points per $1
After 500,000 Points earned in a calendar year, the everyday earn rate is 0.75 Point per $1²
2 Points
on selected Qantas products and services in Australia²
1.25 Points
on everyday business purchases²
0.5 Points
at government bodies in Australia²
Travel Benefits
Qantas Lounge Passes
2 Qantas Domestic lounge invitations each year³
Travel Insurance
Complimentary Travel Insurance⁴. 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)
Points Cap
No
After 500,000 Points earned in a calendar year, everyday earn rate is 0.75 Points per $1, uncapped².
Annual Fee
$450 p.a.
Tax-deductible
ATO Points
Yes
0.5 Points per $1²
Overseas Transaction Fee
3%
of the converted amount
Interest-free Period
Up to 51 days5
Purchase Rate
N/A
Cash Advance Rate
N/A
Why Choose This Card
The American Express Qantas Business Rewards Card helps small businesses earn more Qantas Points while keeping travel and expenses simple. You’ll collect bonus Points¹ when spending with Qantas, with all Points credited to a Qantas Business Rewards account rather than an individual Frequent Flyer account. This offers greater flexibility, as Points can be transferred to any QFF member, and includes complimentary QBR membership valued at $89.50. Businesses can also boost their balance by adding up to 99 Supplementary Card Members⁷ at no extra cost, consolidating spend across employees to accelerate Points earning.
Travel benefits include two lounge passes³ and Travel Inconvenience Cover⁴ for delays, missed connections and delayed luggage when trips are paid with the card.
On the management side, expenses are easier to track with transaction data available in multiple formats, or automated uploads for MYOB and Xero users. As a Charge Card, it also provides flexible spending limits⁶ to suit your business needs, making it a practical option for maximising Qantas Points while streamlining both travel and financial management.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 170,000 Qantas Points take you?
You could redeem them for the following:
Europe, the elegant way
Fly one-way from Perth to Athens, Rome, Vienna or Venice in Emirates Business Class for 130,100 Qantas Points (redemption value calculated on 2 February 2026). Taxes and carrier charges apply**.
Comfort that goes the distance
Fly return from Sydney to Singapore in Qantas Premium Economy for 123,200 Qantas Points (redemption value calculated on 2 February 2026). Taxes and carrier charges apply**.
Extra Benefits
Mobile Wallet
Apple Pay, Google Wallet and Samsung Pay
Charge Card
Your Amex Qantas Business Rewards Charge Card comes with flexible spending power, also known as ‘no pre-set spending limit’, unless we tell you otherwise⁶. This means that the amount you can spend adapts based on your transaction patterns and other factors.
American Express has 170,000 bonus Qantas Points1 for New American Express Card Members who apply for the American Express Qantas Business Rewards Card, are approved and spend $6,000 on eligible purchases within the first 3 months of your approval date. Offer ends 16 June 2026. T&Cs apply. Available to new American Express Card Members only.
The card is targeted at smaller business owners, looking for a Charge card6 (meaning you can access a line of unsecured funding with flexible spending power6) with the ability to earn Qantas Points, and boost the Qantas Points they can earn from their business travel with Qantas.
Qantas Points earned on the card are credited to a business’ Qantas Business Rewards2 account rather than a Qantas Frequent Flyer account, which gives businesses increased flexibility in how they can redeem Qantas Points earned from spend on the card – Qantas Business Rewards allows business owners to transfer Qantas Points to any Qantas Frequent Flyer member. Free Qantas Business Rewards membership is also included with the card (usually $89.50).
The Qantas Business Rewards Card offers a variety of travel benefits such as two complimentary domestic Qantas Domestic Lounge passes3, and business-friendly features such as travel inconvenience cover and the ability to monitor expenditure.
Qantas Business Rewards allows small business owners to use their points with more flexibility
The key benefit of using Qantas Business Rewards2 as the loyalty program linked to the card is that the program allows you to earn Qantas Points into your Qantas Business Rewards account.
Qantas Points in the Qantas Business Rewards account can then be transferred to any individual Qantas Frequent Flyer account.
Which means the Qantas Points aren’t locked into a single frequent flyer account and offers an easy way to distribute points to staff members as additional rewards, incentives or for multiple company executives to redeem the business’ Qantas Points for flights or upgrades.
This is a big difference for small business owners, compared to using a card linked to an individual frequent flyer account.
Card Details
| Card | American Express Qantas Business Rewards Card |
| Loyalty Program | Qantas Business Rewards |
| Points earned from spend^ | 2 Qantas Points per $1 spent on Qantas products and services 1.25 Qantas Points per $1 spent everywhere else 0.5 Qantas Points per $1 spent on utilities, insurances and government bodies 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.2 |
| Included Insurances | Complimentary domestic and international Travel Insurance4 (PDS) |
| Overseas transaction fee | 3% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Minimum income requirement | Annual business revenue of $75,000 or more |
| Annual fee | $450 p.a. (tax-deductible) |
Earning Points with American Express Qantas Business Rewards Card
As mentioned before, this card earns Qantas Points into a Qantas Business Rewards account. This means there are a number of advantages for business owners vs earning points into a personal Qantas Frequent Flyer account, which we get into later in this guide.
The full set of points earn rates with the card are summarised as follows:
- 2 Qantas Points per $1 spent on Qantas products in Australia2
- 1.25 Qantas Points per $1 spent on all other purchases, except those listed in 0.5 points category2
- 0.5 Qantas Points per $1 spent on utilities, insurance providers (with the exception of American Express) and government bodies, which includes the ATO2
The earn rate for Card Members varies based on the purchase – most transactions will yield 1.25 Qantas Points per dollar.
In addition, purchases of Qantas products – such as Qantas passenger flights (with a QF flight number) purchased directly from Qantas, Qantas Frequent Flyer and Qantas Club membership joining and annual fees, and accommodation booked through Qantas – will all earn 2 Qantas Points per $1 spent. Note that spend with Jetstar is excluded from the bonus.
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.2
Qantas Business Rewards offers additional points for flights taken by members in the account based on distance – the points earned are based on the number of points that would be earned by a Bronze status Frequent Flyer member for the flight (regardless of the actual status of the passenger), and a multiplier of between 20% – 40% depending on your Qantas Business Rewards Membership level.
Card Members can also transfer up to 20,000 points to their Qantas Frequent Flyer account that can be counted towards Qantas Points Club.
Our full guide to Qantas Business Rewards explains this in more detail, but in short there are a number of different levels as you advance through the program based on how many points you earn from flying.
This means points earned from flights will count towards your Qantas Business Rewards membership level, meaning Card Members who fly with Qantas are going to earn even more points. Higher membership levels in Qantas Business Rewards are going to be easier to attain given the additional earning power of the card.
So, summing up – for an eligible Qantas flight, a Qantas Business Rewards American Express Card Members would earn:
- The usual number of Qantas Points into their personal Qantas Frequent Flyer account for the flight
- Plus 2 Qantas Points per $1 spent when using the card
Flexible Payment Option
Business owners can free up their cash flow with access to a line of unsecured funding with flexible spending power6 on their Charge Card. Instead of paying off the balance in full each statement period, it can be paid off over time.
How it works:
- The Card Member will receive a statement at the end of each statement period summarising their spend
- They can choose to pay the Closing Balance, the minimum amount due, or any amount in between (up to their Flexible Payment Option Limit).
- They can carry over any unpaid amount to their next month’s balance. Any amount not paid in full will incur interest at a rate of 23.99% p.a. until repaid.
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. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions.
Other benefits of the American Express Qantas Business Rewards Card
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.
Up to 99 additional Card Members free of charge
You can boost your Card points balance and simplify employee expense management by adding employees to your Account. The Card offers up to 99 Supplementary Card Members for no extra fee.7
You can check the balance of the Supplementary Card anytime via your online account, and the spend is also clearly stated on your Card statement.
Travel Inconvenience Cover
The American Express Qantas Business Rewards Card comes with Travel Inconvenience Cover, which will cover you for flight delays, missed connections or delayed luggage when the trip is purchased with the card. Full terms and conditions for this insurance can be found here.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Keeping track of business spending
To assist with keeping track of the business’s financial performance and spending, The American Express Qantas Business Rewards Card allows for transaction details to be downloaded in a variety of file formats including Quicken, QuickBooks, Microsoft Money, QIF and CSV.
If you are enrolled with MYOB, you can also automate the Card transactions data to your MYOB account.
Mobile wallet integration
American Express Cards work with Apple Pay®, Google Wallet™ and Samsung Pay, meaning you can use this card on your smartphone for easier payments.
Read the Point Hacks guide to using Apple Pay or for using Google Wallet and Samsung Pay, including instructions on how to add your American Express card to those services.
With this feature set up, it means you could still use your NFC-enabled phone to make purchases with your American Express account, even if your physical card is lost or stolen and pending replacement.
Summing Up
Overall, this is a card well worth considering by business owners looking for more Qantas Points from their business spend, even more so given the link to Qantas Business Rewards offering more flexibility in how business owners can direct their points when they want to redeem them.
It would work especially well if the business’s primary travel spend and patterns are with Qantas and paid for by the business directly.
It will also appeal to those looking at the benefits of a charge card, that lets you access a line of unsecured funding with flexible spending power6 meaning businesses can put through larger transactions on the Card and earn Qantas Points.
The Qantas Business Rewards card may have a relatively high annual fee, but don’t forget it can be a tax-deductible expense. The card also has good points earn rates and uncapped points earn on card business spend, which can offer value for those looking to earn Qantas Points through their business’ everyday spending and travel.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be aged 18 years or over, and;
-
Be a permanent Australian resident or a non-permanent resident with more than 12 months remaining on your visa
-
Have a good credit history and no payment defaults
-
Annual business revenue of $75,000 or more
-
Be a Director or Controller of the business
-
Business owner with a valid ABN – Sole Trader, Company or Trust
-
To be eligible for the bonus offer, you must not hold, or have held, any American Express® Card issued in Australia in the past 18 months
Frequently Asked Questions
Does the card offer lounge access?
Yes, the card includes two complimentary domestic Qantas Club lounge passes each year when certain eligible Qantas purchases are made.³
Who is eligible for the sign-up bonus?
New Card Members who apply, are approved, and meet the minimum spend conditions specified in the offer. To be eligible for the bonus offer, you must not hold, or have held, any American Express® Card issued in Australia in the past 18 months.
Can I add additional cardholders and what about their spending?
Yes, you can add up to 99 Additional Card Members⁷, and their eligible purchases count toward the business’s Qantas Points earning.
What's the difference between a credit card and a charge card?
A Charge Card is a Card that comes with flexible spending power, also known as no pre-set spending limit and no interest on purchases, as long as your balance is paid in full each statement period. As you establish a spending and payment history, the amount you can charge on the Card can grow.
A Credit Card is a Card with a fixed limit that can be increased by request, up to a specified amount.
As with a Charge Card, you’ll pay no interest on purchases as long as the balance is paid in full each statement period. Should you choose to carry over an amount, you’ll be charged interest at the rate of your chosen Card. The Amex Qantas Business Rewards Card is a Charge Card.
Which loyalty program do the Points go into?
Points earned go into the business’s Qantas Business Rewards account (rather than a personal Frequent Flyer account), and can be transferred to individuals later.
Terms and Conditions
1. 170,000 bonus Qantas Points
Offer only available to new American Express Card Members who apply by 16 June 2026, are approved and spend $6,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer.130,000 bonus Qantas Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. Subject to Travel Fund Terms and Conditions. Subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. $450 annual Card fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. Qantas Business Rewards Member
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.
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.
3. Qantas Domestic Lounge passes
Your business is eligible to receive two domestic Qantas Club Complimentary Lounge Invitations each anniversary year of your American Express Qantas Business Rewards Card (Card) Membership, provided that: (a) the Primary Card Member is a Qantas Frequent Flyer member; (b) your business makes a purchase on selected Qantas products and services; and (c) you have registered your business’s Qantas Frequent Flyer number with your business’s Card Account. Selected Qantas products and services are the purchase of (a) a Qantas passenger flight departing from Australia with a QF flight number, purchased in Australian Dollars (AUD) directly from Qantas.com.au using your business’s Card that appears on your Card statement; or (b) using your Card to pay for joining or annual fees for Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership. Within 2 weeks of purchasing selected Qantas products and services, two Qantas Club Complimentary Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by your business. If your Qantas Frequent Flyer member information requires updating, call the number on the back of your Card. In order to use your invitations, login to your Qantas Frequent Flyer Account or use the Qantas App to access your invitations and link them with an eligible Qantas flight booking prior to use (must be done at least 24 hours prior to your departure time). Each Qantas Club Complimentary Lounge Invitation is valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to expiry. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. Invitations may be revoked or withheld if your business’s Card account is not in good standing, if the selected Qantas products and services are refunded in full, or if you have not complied with the Complimentary Lounge Invitation Terms and Conditions, and the American Express Business Terms and Conditions.
4. Travel Insurance
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Business Rewards Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Business Rewards Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb
5. Extend your cash flow by up to 51 days
Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
6. Flexible Spending Power
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.
7. Employee Cards
Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
** Classic Flight Rewards
Classic Flight Rewards are available on Qantas, Jetstar and eligible partner airlines. These seats are subject to capacity controls and availability is limited—some flights may not have any Classic Flight Reward seats available.
The number of Qantas Points required, as well as taxes, fees and carrier charges, are accurate as at 2 Feb 2026 but may vary at the time of booking.
Status Credits and Qantas Points will not be earned on Classic Flight Reward bookings.
Classic Flight Rewards must be booked via the Qantas website or other authorised booking channels. Some flights may be operated by a partner airline and different baggage allowances and conditions may apply.
Changes to or cancellations of Classic Flight Rewards are subject to the rules outlined in the Qantas Frequent Flyer Terms & Conditions, including change/cancellation fees and any fare or points difference if applicable.
For full terms and fare rules visit the Qantas Frequent Flyer website at Classic Flight Rewards.