A business frequent flyer credit card lets you earn points for every dollar you spend on your business. You can choose cards that earn you Qantas Points or Velocity Points.
But there are also business credit cards that let you earn rewards points and convert those to Qantas or Velocity Points. Amex Membership Rewards Points convert to either program at a rate of 2:1.
Business credit cards offer huge amounts of bonus points if you meet the spending and eligibility criteria.
Business credit cards are usually designed for small to medium sized businesses, but there are also some corporate cards for larger organisations.
To apply for one of these cards, you usually need:
The NAB Qantas Business Signature Card won best business frequent flyer credit card and best small business frequent flyer credit card at the 2026 Finder Credit Card Awards. This was based on a detailed analysis of rates, fees, points offers, earn rates and card features across 12 months.
The NAB Qantas Business Signature Card is the winner of the Business Frequent Flyer Credit Card Award at the Finder Credit Card Awards. It has a very strong bonus points offer and a very reasonable annual fee.
The NAB Qantas Business Signature Card is the winner of the Business Frequent Flyer Credit Card Award at the Finder Credit Card Awards. It has a very strong bonus points offer and a very reasonable annual fee.
The first step is to figure out what points program you want to earn. That's either Qantas Points, Velocity Points or get a card that's linked to a flexible rewards program such as American Express Membership Rewards or CommBank Awards.
These reward programs usually let you transfer your points to frequent flyer program partners, such as Velocity, Singapore Airlines KrisFlyer and Emirates Skywards (although it does vary between reward programs).
If you want a business credit card that earns Qantas Points, there are two main options:
When you're comparing cards, keep in mind that an earn rate of at least 1 point per $1 is competitive. The number of points you’ll earn per $1 may also vary based on the transaction. For example, you might be able to earn 1.25 points on everyday eligible purchases and only 0.5 points per $1 spent on your ATO bill or other government transactions.
The best business frequent flyer credit cards also offer hundreds of thousands of introductory bonus points when you meet the offer requirements (you normally need to be a new customer and spend a lot in the first few months of having the card).
Business credit cards have the biggest bonus frequent flyer points offers on the market.
Business credit cards that offer Qantas Points or other frequent flyer rewards usually have an annual fee. This can vary from $150 to $450 (or more) depending on the card.
You should make sure that your business can afford the annual fee and that the monetary value of the points and the extra perks can justify this cost.
When you're comparing business cards that earn frequent flyer points, you'll see both credit cards and charge cards. If you get a credit card, you'll be able to carry a balance from month to month (with interest charges) as long as you meet the minimum repayment requirements.
If you get a charge card, you have to pay it off in full each month. But you do get a set number of "cash flow days" in each statement period and won't have to pay interest on the account.
Frequent flyer business credit cards often include other benefits, such as complimentary lounge passes or complimentary international travel insurance. You might also be able to use a complimentary concierge service for everything from booking a restaurant for a business meeting to organising a corporate trip.
Some business cards also come linked with reporting software (such as MYOB, QuickBooks and Microsoft Excel), which you can use to monitor and download your balance sheets and transaction details.
If several of your employees require a credit card for work spending, you can request additional credit cards that are linked to the one account. This can help keep track of business spending and save time on expense-reporting. It also gives you a way to earn more points – or offer points as a perk to your employees.
Once you’ve compared your options and decided on a card, you can apply for a frequent flyer credit card for your business online, over the phone or in a branch.
Before you begin the application, make sure that your business meets the eligibility requirements and has the necessary information:
Once you have completed the application, the bank or card provider will be in touch with details about the assessment process and outcome. If you're approved, you should get your card within 5-10 business days.
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Hi there, I know these cards don’t give you points for Bpay. Do they give you points for “electronic funds transfer” or “internet or phone banking (pay anyone)”?
Thanks
Whitney
Hi Whitney.
Thanks for your question.
You can find some general information on credit cards offering rewards for BPAY transactions.
Currently, Westpac is the only provider that we list that offers frequent flyer points when you make an eligible purchase. According to the Westpac Altitude Business Rewards terms and conditions, currently, no points are awards for BPAY transactions. You will not earn points on the following transactions.
I hope this helps.
Cheers,
Jacob
Which business credit card excluding American Express allows use for purchasing stock for the business and earns uncapped frequent flyer points?
Hi Morrice,
Thanks for your question.
Please have a look at the ANZ Business One Visa Rewards Card. At the time of writing it offers uncapped rewards points earning. You can transfer ANZ Rewards to a frequent flyer program if you wish, more details are covered in the guide for you to read through.
I hope this helps.
Cheers,
Jacob
Hi Jacob. As you know Westpac has put a points cap on cards used for business. I have a $50,000 credit limit on two cards used for business but in my name. I usually spend around $500,000 a year. I don’t want to miss out on points. I was offered the Black Altitude card for personal stuff but not my “business” cards. I am switching banks but which bank offers what I have had before with no capping on points. Last time we spoke you said HSBC. Now that we are 4 months older, what bank offers more. I don’t mind having an American Express companion card but most companies we deal with don’t accept Amex, so please help. I have looked at the tables and am confused. I don’t care how much card costs as it is a tax deduction.
Hi Miriam,
Thanks for your inquiry.
You may refer to our business credit cards comparison page that list the cards that reward you for business spending. You can find out which cards offer uncapped points earning by selecting through to the cards review page from the comparison table. A number of the business credit cards we compare are offered by American Express and Westpac is the only provider listed in our business comparison tables to provide a companion Mastercard and American Express credit cards.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I hope this helps.
Cheers,
Jacob
I wish to change from a westpac card as i am really angry that they are so greedy and have changed the rules. I can’t use the black altitude card for business purchases. The card I want is like the Westpac Business Gold card that is no longer available.I don’t necessarily want a business card but I am making legitimate business purchases. In fact the 2 I have for 2 businesses are in my personal name.What replaces the Westpac card? Amex cards are not accepted by my suppliers. Do you know whether HSBC plan to copy the greed of Westpac and cap their points too??
Hi Miriam,
Thanks for your comments.
While it is not certain whether HSBC plans to cap their points since credit card providers do change their products from time to time, you may refer to our guide for information on the rewards and frequent flyer credit cards.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I hope this helps.
Cheers,
Jacob
do you have to have your business account with the bank that you want to get a business CC with?
Hi Carmen. Thanks for your question. So banks do require that you have an account with them already, while others do not. You can find information about this on the application page once you go to apply for a card. Jacob.
My business credit card is going to start to apply a cap to points earned in a billing period.
What business frequent flier credit cards do not have a cap in place?
Hi Robert,
Thanks for your question. Please have a look at our business credit card comparison page. On that page, the cards that offer rewards and do not have a cap on points earning are ANZ Business One Rewards, American Express Velocity Business Card, American Express Gold Business Card, NAB Qantas Business Credit, and the American Express Platinum Business Credit Card. Please keep in mind, although, the American Express cards do not directly earn frequent flyer products, you can transfer your American Express Membership Rewards Points to airline partners.
If you wish to learn more and check transfer rates, please read our guide about transferring frequent flyer points.
I hope this helps.
Regards,
Jacob