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American Express Qantas Business Rewards Card

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Terms and conditions apply

Bonus points: 150,000
Reward points per $ spent: 1.25
Annual fee: $450 p.a.
Interest-free on purchases: Up to 51 days

Our verdict

Offers 150,000 bonus Qantas Points, a $200 credit and complimentary travel insurance, with a $450 annual fee.

The American Express Qantas Business Rewards Card has one of the biggest bonus Qantas Points offers on the market right now with 150,000 bonus Qantas Points and a $200 credit for new Amex card members. To give you an idea of the potential value of the bonus points, you’d have more than enough for two business class flights from Brisbane to Adelaide (110,400 Qantas Points, plus fees and taxes) or a one-way business class flight from Melbourne to London (144,600 Qantas Points, plus fees and taxes).

You'll also get between 0.5 to 2 Qantas Points per $1 on eligible spending with this card. And you can get triple points when you book eligible Qantas flights through the Qantas Business Rewards program. You can also add up to 99 additional cardholders and set up a transaction feed through MYOB.

The lounge invitations and complimentary domestic and international travel insurance are also great added perks. Instead of interest rates, this charge card offers 51 days to pay off purchases during your statement period – and you’ll need to pay back all of what you spend by the due date.

Pros

150,000 bonus Qantas Points
$200 credit
No pre-set spending limit and up to 51 days cash flow
Complimentary travel insurance
2 complimentary domestic Qantas Club lounge passes per card membership year

Cons

$450 annual fee
3% foreign currency conversion fee

The American Express Qantas Business Rewards Card helps business owners keep track of expenses, earn Qantas Points and access other business and travel perks. Right now, it offers 150,000 bonus Qantas Points and a $200 credit when you apply as a new Amex card member by 01 October 2024 and spend $6,000 on eligible purchases in the first 3 months from card approval.

This Amex card also offers up to 2 Qantas Points per $1 spent, with triple points on eligible Qantas flights. Other perks include Qantas Club lounge passes and additional cards for employees. With an annual fee of $450, you’ll need to make sure you get value from the card’s features and benefits to help offset this cost.

Details

Product details

Product Name	American Express Qantas Business Rewards Card
Purchase rate p.a.	Purchase rate p.a. 0%
Interest-free period	Up to 51 days on purchases
Card type	American Express

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Business Rewards
Bonus points	150,000
Rewards points per $ spent	1.25
Rewards points cap	Uncapped

Fees

Annual fee	Annual fee $450
Minimum monthly repayment	100% of the closing balance outstanding
Foreign currency conversion fee	Foreign currency conversion fee 3%
Additional cardholder fee	$0
Number of additional cardholders	99

How to apply

If you've decided the American Express Qantas Business Rewards card is the right account for your business, you can apply by clicking through the secure application form. For quicker processing, make sure you meet the following eligibility criteria and have all the relevant details and documents on hand:

Eligibility criteria

Minimum income. Your business must have an annual revenue of at least $75,000.
New cardholder. To be eligible for the introductory offers, you cannot currently hold or have held an American Express card in the last 18 months.

Residency. You must be an Australian citizen or permanent resident.
Business details. You must have a valid ABN (Australian Business Number) and your business must be registered for GST.
Age. You must be at least 18 years old to apply.
Credit history. You must have a good credit history with no payment defaults.

Required documents

Personal details. You will need to provide personal information including your full name, contact number and email address. You'll also need to provide the details of your personal pre-tax income.
Business details. This includes your business name, contact details and business financial information.
Qantas Business Rewards details. You will need to provide the details of your Qantas Business Rewards membership to earn points with this card. If you're not already a member, this card offers complimentary membership that saves you $89.50 on the usual joining fee.

Go to American Express's site More info

Card benefits

150,000 bonus Qantas Points. When you apply as a new Amex card member by 01 October 2024 and spend $6,000 on eligible purchases in the first 3 months from approval, you'll earn 150,000 bonus Qantas Points. The points will be credited to your Qantas Business Rewards account within 8 to 10 weeks of meeting the requirements.
$200 credit. You'll also receive $200 credit on your new Amex card when you spend $6,000 on eligible purchases within the first 3 months from approval. This is the same spend requirement to get your 150,000 bonus points, so it's an easy way to get two rewards at once.

Triple Qantas Points for business flights. Use this card to book business travel through Qantas Business Rewards and you'll earn triple Qantas Points on eligible Qantas flights with QF booking code when they are operated by Qantas, Emirates or American Airlines. Note that these points are earned through the Qantas Business Rewards program and eligible flights must be purchased in Australia (for both domestic and international travel).
Qantas Points per $1 spent. You'll earn 1.25 points per $1 spent on everyday purchases, 2 Qantas Points per $1 spent on Qantas products and services and 0.5 points per $1 spent on utilities, non-American Express insurance policies and with government bodies. After the first 500,000 points earned on this card in a calendar year, the earn rate for everyday business spending goes to 0.75 points per $1 spent. Introductory bonus points don't count towards this and the other earn rates on the card remain the same.
Complimentary Qantas Business Rewards membership. If you're not a member of Qantas Business Rewards, you can save on the usual $89.50 joining fee with this card.
Qantas Club lounge invitations. To claim the 2 complimentary Qantas Club lounge invitations each year, you'll need to register your Qantas Frequent Flyer number with your American Express Qantas Business Rewards card, then use it to make an eligible Qantas purchase during your membership year. This could include Qantas flights with a QF flight number, Qantas Frequent Flyer and Qantas Business Rewards membership fees or Qantas Club joining or membership fees. The lounge invitations will be assigned to the account within 1-2 weeks of meeting this spend requirement, and you can then access them by visiting the Complimentary Invitations Portal.
Complimentary travel insurance. Enjoy complimentary domestic and international travel insurance for you, your spouse, eligible dependents and additional employee card members when your American Express Qantas Business Rewards Card is used to pay for a return trip. For full terms and conditions, read the insurance policy booklet available on the American Express website.
Up to $100 credit twice a year with Dell Technologies. Save this benefit to your card by 31 August 2024 and spend with Dell Technologies at www.dell.com.au to get your purchase value back, up to $100. There are 2 redemption periods each year for this offer, so you can get up to $200 back per year:
- 1 January 2024 – 30 June 2024
- 1 July 2024 – 31 August 2024
Mobile payments. You can add this card to Apple Pay, Google Pay or Samsung Pay, which allows you to make payments directly from your compatible mobile phone or device.
Accounting features and services. This card offers integration with MYOB, which allows you to set up an automatic data feed of your card transactions. You can also keep track of expenses, statements and account details through your American Express account.

Rates & fees

Annual fee. This card charges an annual fee of $450.
Additional cardholders. You can request up to 99 additional cards at no extra cost.

Repayments. This is a charge card, so the balance must be paid in full by the due date on each statement.
Interest-free period. This card offers up to 51 days interest-free for each statement period. Note that the number of interest-free days will depend on when in your statement cycle each purchase is made. As an example, a transaction made on the first day of your statement period would be interest-free for the full 51 days, while a transaction on the second day would get 50 days interest-free, and one made on day 50 of your statement cycle would be interest-free for one day only.

Go to American Express's site More info

Sources

American Express Qantas Business Rewards Card information PDF

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Michael M

July 24, 2024

Hi there,

Would you happen to know if I personally hold a current AMEX card if I’d still be eligible for the bonus 150k points? Given this is a business card?

Sarah Megginson Finder

July 26, 2024

Hi Michael,

According to the T&Cs: 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.

If you are getting a business card in the name of the business, then you should be eligible. If your business name is the same as your personal name (ie you operate as a sole trader), then you may run into some grey areas. In that situation, it would be worth contacting AMEX to get some personal advice.

Hope this helps!

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David

June 21, 2024

I’m assuming I must have my own business to apply for this card ??

Sarah Megginson Finder

June 27, 2024

Hi David,

Yes, you must have an ABN and to be able to provide evidence of your business income to apply for this card.

Sonia

June 10, 2024

hi if i take the new card out today how quickly can I use the bonus 170k Qantas FF points to book a flight ? do you have access to these points as soon as the card is generated ?

thanks

Sarah Megginson Finder

June 10, 2024

Hi Sonia,

No it’s not instance, you need to meet the minimum spend requirement first (currently $6,000 on eligible purchases in the first 3 months from card approval). Assuming you do so within the first few weeks of having your card, the statement will be processed and the points are usually credited within 2 to 12 weeks from the point. The general advice is “up to 12 weeks” but in practice, it can happen within a couple of weeks of your statement being issued.

Hope this helps!

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Will

June 10, 2024

Hi,

Is rent paid through BPAY classified as an eligible purchase and do the bonus points appear after 3 months if the minimum spend is met or do we have to wait for a longer period of time?

Thanks

Will

Sarah Megginson Finder

June 10, 2024

Hi Will,

It depends how the rent is paid. If you’re using a platform like RentPay and making a credit card payment, that’s likely to be classified as eligible. However if you make a BPay payment, that could be classified as a cash advance, then it would not be eligible AND it would attract interest immediately.

The bonus points are credited up to 12 weeks after meeting the eligibility requirements, but in practice, they can be credited as soon as 2 weeks after your statement is produced.

Hope this helps!

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kailas

May 22, 2024

Hello,

I am interested in this card for my business. One of the main expenditures would be to use the CC to transfer money into another account (with Macquarie) to then pay a loan on a business property I own. Would this be seen as eligible spending? Would there be a charge involved in making payment to this other account?

Thanks

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Sarah Megginson Finder

May 23, 2024

Hi Kailas,

No, this would not be considered eligible spending as you would need to withdraw the money as a cash advance.

American Express Qantas Business Rewards Card

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