American Express Qantas Business Rewards Card

• 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 and 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.

• 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. With this card you also earn 0.5 points for every dollar spent via the ATO when making tax payments. This can earn you a lot of points if you have a large business tax bill. Just keep in mind there's a 1.45% card transaction fee when paying with an Amex card.
• 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.
• 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.

• 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.
• Flexible Payment Option. Instead of paying off your balance in full each statement period, you can choose to pay off a portion of it over time with the Flexible Payment Option (subject to your Flexible Payment Option limit). This gives you a bit more flexibility, but you will get charged interest if you don't pay your closing balance in full by the due date each month. Check out the full Flexible Payment Option terms and conditions for more information.