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American Express Qantas Business Rewards Card
Balance transfer
N/A
Purchase rate
23.99% p.a. ongoing
Annual fee
$450.00 p.a. ongoing
Highlights
- Obtain 150,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 1 October 2024, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
- 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 spend, utilities, and insurance.
- Once 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 July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
99
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
N/A
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase Date
Interest Free Period
Up to 51 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
N/A
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
23.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$450.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$30.00
Rewards
Rewards program basics
Rewards Program
Qantas Business Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
1.25
Government Rewards Points Earn Rate
0.50
Overseas Rewards Points Earn Rate
1.25
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
N/A
Cardholder's Extended Warranty Insurance
N/A
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
N/A
Cardholder's Price Protection Insurance
N/A
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
N/A
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
N/A
Complimentary Flight Voucher Included
N/A
Complimentary QFF Membership Included
N/A
Our review
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The basics
- Additional cardholders. No fee to add up to 99 additional cardholders to your account for employees.
- Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. This card cannot be used for gambling transactions.
Rewards and benefits
- Complimentary travel insurance. This card comes with comprehensive international travel insurance. Travel must have been paid for using the card for the policy to be in effect. Coverage includes travel emergency medical insurance cover up to $2,500,000, business trip completion cover up to $20,000, travel cancellation cover up to $10,000, and personal third-party liability covers up to $1,000,000.
- Concierge services. The American Express Qantas Business Rewards Card does not come with access to a concierge service.
- Lounge access. Comes with two complementary domestic Qantas Club lounge passes each year.
- Rewards points. 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 spend, utilities and insurance. 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.
- Sign-up bonus. The American Express Qantas Business Rewards Card offers 150,000 bonus Qantas Points when you apply by 1 October 2024, get approved, and spend at least $6,000 on eligible purchases within 3 months of your approval date.
Rates and fees
- Annual fee. The annual fee on this card is $450 p.a.
- Balance transfers. There is no balance transfer offer on this card at this time.
- Foreign exchange fee. All purchases made in a foreign currency will encounter a 3% foreign transaction fee.
- Interest-free period. This card offers an interest-free period of up to 51 days on purchases.
- Purchases. This is a charge card with no interest on purchases and no preset spending limit. The balance must be cleared every statement and cannot be carried over. However, there is a Flexible Payment Option (FPO) available should you wish to repay a part of the balance over time.
Reviewed by Credit Card Compare Staff
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