Should I get the American Express® Qantas Business Rewards Card?
American Express® Qantas Business Rewards Card Overview
Annual Fee
$450
Bonus Points
Receive 170,000 bonus Qantas Points when you apply by 1 September 2026 via the link on this page, 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. T&Cs apply. Available for new American Express Card Members only.1
Points Earn Rate
Earn 2 Qantas Points per $1 spent on Qantas products and services2 and 1.25 Qantas Points per $1 spent through Sniip3
Rewards Program
Qantas Frequent Flyer
Cash Flow
Up to 51 days to pay for purchases4
Designed for SMEs
Accumulate more reward points and experience greater business and travel perks.
Benefits of the American Express® Qantas Business Rewards Card
Access Complimentary Travel Insurance5:
Your American Express® Qantas Business Rewards Card comes with Complimentary Domestic and International Travel Insurance for you, your spouse, and Employee Card Members when purchasing your return trip with the American Express® Qantas Business Rewards Card.
Travel Insurance includes:
– Medical Emergency Expenses Cover
– Business Trip Completion Cover
– Trip Cancellation and Amendment Cover
– Personal Liability Cover
Terms, conditions, and exclusions apply, including maximum age limits and cover limits.
Get comfortable with free access to airport lounges6:
Enjoy two free passes annually to relax in domestic Qantas Club lounges before your flight. Access available after your first spend with Qantas.
Flexible Payment Option7:
The Qantas Business Card is an American Express Charge Card which has no pre-set spending limit. However, this does not mean unlimited spending. It is dependent on various factors, such as business income, expenses, and our business’s credit history/rating.
Easy cashflow management with up to 51 days to pay for purchases4:
You have up to 51 days to pay for your purchases, so you can provide your business with the flexibility to manage cash flow more effectively.
Manage revenue fluctuations with Flexible Payment Option7:
Opt to pay off a portion of your monthly balance (up to your FPO limit) overtime with Flexible Payment Option. This may allow you to take advantage of opportunities, or navigate cash flow fluctuations more effectively. Interest charges apply.
Greater access and control over your employee expenditure8:
Receive up to 99 complimentary Employee Cards. With this, you can merge key employees’ spending and gain increased visibility and management over your business’ cash flow. Employee Cards accrue Qantas Points for your business at the same rate as your Primary Card.
- Earn 2 Qantas Points for every $1 spent on Qantas products and services9.
- Earn 1.25 Qantas Points for every $1 spent on everyday business expenses9.
- Earn 0.5 Qantas Points for every $1 spent on utilities, insurance, and government transactions9.
- Triple the Qantas Points your business accrues when booking eligible flights with your Card.
- Boost your points accumulation through partnerships with over 50 Qantas Business Rewards associates.
Points are seamlessly transferred to your Qantas Business Rewards account for redemption towards flights or transfer to any Qantas Frequent Flyer account.
Streamline finances and reports:
With direct feeds from your Card Accounts into Quicken™, Microsoft® Excel, and MYOB®10, you can streamline your finances, reporting and statements.
Fast Card replacement11:
If you or your employee’s Card is lost or stolen, American Express can often replace it within 48 hours.
Greater security and protection12:
With American Express’ liability coverage, get peace of mind knowing your Card is secure against global unauthorised transactions.
EARN 170,000 BONUS QANTAS POINTS1
Receive 170,000 bonus Qantas Points when you apply by 1 September 2026 via the link on this page, 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. T&Cs apply. Available for new American Express Card Members only.1
How do I earn and redeem my Qantas Points?
With your American Express® Qantas Business Rewards Card, you will gain complimentary membership to the Qantas Business Rewards program. The Qantas Points you earn on your Amex are automatically transferred into your Qantas Business Rewards account. These Points can be redeemed on flights, or transferred to any Qantas Frequent Flyer Account.
Unlock a fool-proof method to earning full, uncapped (1.5 points) on every bill payment (including government transactions like ATO and superannuation) when you pay through the Sniip mobile app. Learn how today. You will also earn 2 Qantas Points per $1 spent on Qantas products and services.
Is this Card right for me?
The below conditions are required to apply for the American Express® Qantas Business Rewards Card:
You’ll need the following information when applying for the American Express® Qantas Business Rewards Card:
Compare American Express Business Cards
Easily compare American Express Business Cards to uncover the card that caters best to your unique needs. We take the heavy lifting out of the research and only list the best deals that are worth your while.
Frequently Asked Questions
The minimum income required to apply for an American Express Business Card varies from card-to-card.
- American Express Platinum Business Card: $75,000+
- American Express Qantas Business Rewards Card: $75,000+
- American Express Velocity Business Card: $75,000+
Please note: these amounts are an estimation and the actual requirement may vary based on the economic climate and American Express’s lending criteria.
When you’ve applied for credit or a loan, a credit report detailing your financial history is created.
You’re entitled to receive a copy of your credit report every three months for free.
Included in your credit report is your credit rating, indicating the category your credit score falls into (e.g., low, fair, good, very good, excellent).
Accessing your report online typically takes one to two days. Alternatively, you may wait up to ten days to receive it via email or mail.
To obtain your free credit report, reach out to the following credit reporting agencies:
- Experian: 1300 783 684
- illion: 132 333
- Equifax: 138 332
As the information held by different agencies may vary, you may have credit reports with more than one agency.
Maximise and accelerate your points earn by paying all your bills through the Sniip mobile app. Earn 2.25 points on everyday purchases, and on all your bill payments (including ATO, land tax, insurance, superannuation, and more) when you pay through Sniip with your American Express card.
Sniip processes your transaction as a two-legged transaction. When you use a rewards credit card, you will earn points on the first leg of the transaction (payment into the Sniip Trust account) even if Amex isn’t accepted by your biller, and even if you’d earn reduced points / no points if you pay the biller directly (for example government billers).
Sniip will make payments via BPAY on the second leg of the transaction and this utilises the BPAY Scheme.
This process allows you to earn full points on all of your bills which is a big reason why our users love Sniip so much.
Sign up for Sniip for free today, and start earning uncapped points on every single bill payment!
Disclaimer:
Please note that the information provided here is for general informational purposes only and may not always reflect the most accurate or up-to-date details. We strongly advise users to refer to the official American Express website for the latest and most precise information regarding products, services, terms, and conditions. While we strive to ensure the accuracy of the information presented, we cannot guarantee its completeness or timeliness. Any reliance you place on the information provided here is strictly at your own risk. We encourage you to verify all information directly with American Express before making any decisions or taking any actions based on the information provided.
Amex Terms & Conditions Index
1 Full Offer T&C 170,000 Bonus Qantas Points: T&Cs: Offer only available to new American Express Card Members who apply by 1 September 2026 via the link on this page, 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. 170,000 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 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 A business must be a 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.
3 Use your American Express to pay bills through Sniip: Use your American Express to pay bills through Sniip, and earn full points for ‘everyday purchases’ on all payments (including payments to government bodies such as the ATO). The Sniip MCC code for Amex is 7399, which should not be excluded from your Credit Card reward programs. This means, when you pay with Sniip you can earn full reward points.
4 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.
5 Complementary 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 Platinum Business Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business 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.
6 Qantas Club Lounge Invitations: Provided the Primary Card Member is a Qantas Frequent Flyer member and has registered their Qantas Frequent Flyer number with your business’ American Express Qantas Business Rewards Card, your business is eligible to receive two domestic Qantas Club Lounge Invitations each anniversary year of Card Membership once your business makes an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by the business. Visit the Complimentary Invitations Portal to access invitations, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to their expiry. Invitations are subject to the Qantas Complimentary Lounge Invitation Terms and Conditions. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your business’ American Express Qantas Business Rewards Card account is not in good standing, if the Eligible Qantas Purchase is refunded in full or if you have not complied with these Qantas Complimentary Lounge Invitation Terms and Conditions, the Qantas Club Lounge Entry Terms and Conditions or the Card Terms and Conditions.
7 Flexible Payment Option: 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
8 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.
9 Earn Rate T&C: Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government“ include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. 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. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
10 MYOB Integration: MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of American Express Corporate Cards. The Card must be active at the time of enrolment.
11 Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1800 175 568. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
12 Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1800 175 568. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
13 Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available here (Link to URL: https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/). Merchants classified as “government“ include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. 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. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
For more information on Amex Terms & Conditions, please refer to: https://www.americanexpress.com/au/about-us/disclosures/online-terms-and-conditions
For more information on Sniip Terms & Conditions, please refer to: https://sniip.com/terms-and-conditions/
