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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
- 170,000 bonus Qantas Points, when you spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. 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 (uncapped); 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. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.
- Annual fee
- $450 p.a. and 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 a complimentary up to $100 credit twice a year on spend with Dell Technologies and 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 card
- Card type
- American Express
- Signup bonus
- 170,000 bonus Qantas Points, when you spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. T&C’s apply. New American Express Card members only.
- Annual fee
- $450 p.a. and 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
- This is a charge card, meaning there is no pre-set spending limit but you must pay off the balance in full each month
- Minimum income requirement
- Annual business revenue of $75,000 or more with a valid ABN registered for GST
- International transaction fee
- 3%
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 170,000 bonus Qantas Points when you apply for a new American Express Qantas Business Rewards Card for your business by 25 June 2024 and spend $6,000 or more on eligible purchases within the first 3 months of the approval date.
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.
For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.
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…
Dell Technologies credits
Save this benefit to your card by 31 August 2024 and spend with Dell Technologies to receive up to $100 credit back to your card, up to twice per year. You can redeem this once between 1 January 2024 to 30 June 2024, and again between 1 July 2024 to 31 August 2024, for a total combined annual credit amount of $200.
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
- This is a charge card with no pre-set spending limit
- Get up to $100 credit twice per year with Dell Technologies
- 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
- 170,000 bonus Qantas Points, when you spend a minimum of $6,000 on eligible purchases in the first 3 months of approval date. 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 (uncapped); 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. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.
- Annual fee
- $450 p.a. and 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.
There is no defined credit limit on the American Express Qantas Business Rewards Card because it is a charge card. However, this does not mean you can spend an unlimited amount as Amex will adjust the amount it allows you to spend based each month based on a range of factors.
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.