The Qantas American Express Business Credit Card – Rates and Fees

Manage your business expenses and earn Qantas Points as you spend.

Do you need a credit card to manage your business expenses? Compare the features, fees and benefits of the Qantas American Express Business Card to discover how you could earn Qantas Points on your daily business costs. Plus, you can take advantage of complimentary travel insurance and use American Express features to easily manage yours and your colleagues’ business expenditure.

Product NameQantas American Express Business Credit Card
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.49% p.a.
Annual fee$160 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.99% p.a.
Minimum Income$24,000
Card TypeAmerican Express
Late Payment Fee$30
Complimentary Travel InsuranceYes
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$24,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Annual Fee$160 p.a.
Late Payment Fee$30
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders99
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ (AMEX)1
Points ExpiryNever

Review of the Qantas American Express Business credit card

The Qantas American Express Business credit card is designed to help businesses earn frequent flyer points on corporate expenses. Plus, you can maximise your points and monitor your employee spending by requesting additional cards to link to the one account. With an annual fee of $160, you can also enjoy software accounting systems to track business expenses, complimentary insurance covers and up to 55 interest-free days.

Benefits and features of the Qantas American Express Business credit card

  • Rewards. You will earn 2 Qantas Points per $1 spent on purchases with selected Qantas services in Australia and 1 Qantas Point per $1 on other eligible purchases. Utilities, insurance providers (with the exception of American Express) and government bodies will earn 0.5 points for every $1 spent. Your points will be transferred to your Qantas account each month, which you can then redeem for Award flights with Qantas and its partners or rewards from the Qantas Frequent Flyer store.
  • Monitor expenditure. Take advantage of software accounting systems such as Quicken, MYOB and Microsoft Excel to download your statements and transaction details to keep track of your business expenses easily.
  • Supplementary cards. You can request up to 99 additional cards to link to the single account at no additional cost. This can help you manage your employees’ spending and give you better visibility of your team’s expenses.
  • Online fraud protection guarantee. You can shop online with peace of mind knowing that you won’t be held responsible for any unauthorised transactions thanks to the Online Fraud Protection Guarantee.
  • Interest-free days. If you pay your balance in full, you can take advantage of up to 55 interest-free days on purchases. Please note that this excludes cash advances and balance transfers.
  • Travel inconvenience cover. If you meet the eligibility requirements, you will be covered for flight delays, denied flight boarding, missed connections or delayed luggage when you purchase your trip on your card.

Fees and rates of the Qantas American Express Business credit card

  • Annual fee. The annual fee for this card is $160.
  • Purchase rate. If you don’t pay your balance in full, your purchases will collect an interest rate of 20.49% p.a.
  • Cash advance rate. Cash advances, such as ATM withdrawals, will collect an interest rate of 20.99% p.a.
  • Late payment fee. If you don’t meet the minimum repayment by the due date, you’ll be charged a late payment fee of $30.
  • Foreign transaction fee. If you use your card to make a foreign transaction overseas or while online shopping, you’ll be charged 3% of the converted amount.

How to apply for the Qantas American Express Business credit card

If you’ve compared your options and decided the Qantas Amex Business credit card is right for you, make sure that you’ve met the eligibility requirements and organised the following information before you apply:

Eligibility criteria

  • Age. Cardholders must be at least 18 years old to apply.
  • Residential status. You must be an Australian citizen or permanent resident.
  • Income. Applicants must have a personal gross pre-tax annual income of $24,000.
  • Credit history. You need to have a good credit history with no evidence  of bad debt or payment defaults.

Required information and documents

  • Personal details. You will need to provide personal info including your full name, contact number and email address.
  • Business information. You will need to include your business name and annual turnover in the application.
  • Qantas frequent flyer details. If you’re already a frequent flyer, make sure to include your Qantas Frequent Flyer number to link your card to your existing account.
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2 Responses to The Qantas American Express Business Credit Card – Rates and Fees

  1. Default Gravatar
    Helen | July 14, 2016

    I would like to know if I get automatic Travel Insurance. I purchased my International flight using my earth platinum American Express card. I was 80 when I purchased the ticket but turned 81 on 10/7/16.
    Please let me know what I am covered for.

    • Staff
      Anndy | July 14, 2016

      Hi Helen,

      Thanks for your question.

      One of the eligibility criteria to receive the Westpac Earth Platinum credit card complimentary insurance cover is that “you are not over 80 years of age when you first become eligible for the cover by meeting the other conditions listed on the PDF file I sent you. You can directly contact QBE to verify if you are still covered, given your situation.

      Ive also sent to you the contact information for QBE.

      Cheers,
      Anndy

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