Points per $1 Everyday spend The American Express® Platinum Card is iconic. The $1,450 annual card fee is not cheap but is arguably well worth it. There’s massive points-earning potential, both for everyday spend and welcome bonus points if you qualify. You can transfer your points to over 10 airline and hotel partners, including Qantas Frequent Flyer and Virgin Australia Velocity Frequent Flyer. Card Members get a $450 Travel Credit each year to use on eligible bookings with the Platinum Travel Service or American Express Travel Online, plus up to $400 as a Global Dining Credit to spend at over 2,000 participating restaurants in 20 countries (enrolment required, T&Cs apply, benefit ends 31 December 2026). All that’s on top of the various other travel, shopping and entertainment perks, making this card a pretty compelling proposition overall.  Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Access 1,550+ lounges at over 500 airports in 140 countries (T&Cs apply)
- Up to $400 Global Dining Credit (T&Cs apply)
- $450 Travel Credit each year (T&Cs apply)
 Cons - High annual fee
- High foreign exchange fees
 Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Up to 55 interest free days This is arguably the most perk-packed business card in Australia, with a host of travel and frequent flyer benefits included for eligible Card Members. New members can also avail of an additional 300,000 Bonus Membership Rewards® Points offer when you apply by 13 Jan 2026, are approved, and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. Those able to take full advantage of the benefits will be comfortable paying the $1750 annual fee, but it's worth doing your sums before you dive in. Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Access 1,550+ lounges at over 500 airports in 140 countries (T&Cs apply)
- No fee for up to 99 employee cards (T&Cs apply)
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Up to 55 interest free days This card is hooked into the Amex Membership Rewards program. That means you can bank your points and when you're ready, you can send them to lots of airlines (but not Qantas) as well as hotel loyalty programs. You can also cash them out for gift cards, although it’s generally not the best-value use of points. This is a credit card, not a charge card unlike many Amex business cards. It means you can revolve a balance if you want to, but it’s not cheap at 23.99% p.a. The annual fee is decent value at $149 and you can have up to 99 employee cards at no extra cost (subject to T&Cs). Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Earn reward points for eligible spend
- Lounge access
- Get bonus points when you sign up
Cons - High interest rate on purchases
- High foreign exchange fees
- Available to ABN-holders only
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend This Card is worth considering if you want frequent flyer perks and the option to use your points at multiple airlines – in fact, you can transfer your points to over 10 airline and hotel partners. The annual fee is $395, but you get $400 back as a travel credit to spend on eligible domestic and international flights, hotels or car hire with American Express Travel. Complimentary domestic and international Travel Insurance (when you purchase a return trip on your Card), plus two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport add to the appeal. Be sure to read the benefit T&Cs carefully to make sure you can take advantage. Pros - Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Card Members only)
- Complimentary Travel Insurance when you purchase a return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Earn Membership Rewards® Points for eligible spend (T&Cs apply)
- $400 Annual Travel Credit (T&Cs apply)
Cons - High foreign exchange fees
- High interest rate on purchases
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Up to 51 interest free days This is one of the most generous cards in Australia when it comes to inclusions. The annual fee is steep at $1,200 but you get a lot. Qantas Club Membership or a free flight per year for a start. Earn 1.5 points for $1 on everyday spending and up to 2 points per $1 for select categories . There’s often a sign-up bonus up for grabs for new customers. A subscription to "The Australian" thrown in too makes this a serious business card. You can also access the Centurion® Lounge, if that’s your thing. Pros - Expense line not liability on business balance sheet
- Earn Qantas points for spending
- Get bonus points when you sign up
- Lounge access
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days The original and maybe still the best is the workhorse of the Amex corporate fleet. The iconic green card. It’s $70 a year (plus optional $89 rewards enrolment fee) and an option if your business has more than $10 million in annual revenue. The boss will likely have a platinum version of this, but they’re paying the bills so you take what you're given. At least you aren't paying expenses out of your own pocket and having to claim it back. Impress your friends with the name of the business embossed on the card. Pros - Expense line not liability on business balance sheet
- Get bonus points when you sign up
- Earn reward points for eligible spend
- Cash flow management
Cons - High foreign exchange fees
- Available to ABN-holders only
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days If your business turns over more than $10m per year, this corporate card from Amex is worthy of serious consideration. This is the entry level model of Amex’s three Qantas-branded corporate cards, but all your business expenses are designed to go on it. There is a ton of reporting available to the CFO and – best of all – for a bigger business, there is no impact on working capital. These are charge cards so they are an expense line not a liability. These cards earn Qantas points which is a nice bonus. Pros - Expense line not liability on business balance sheet
- Earn Qantas points for spending
- Get bonus points when you sign up
- Cash flow management
Cons - Rewards membership fee applies
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days Another $10 million dollar solution. That’s how much in annual turnover your business needs to qualify for this card. You can earn up to 2 points per $1 spent, plus there’s often bonus points for signing up (offer availability varies). Insurance is generous, but the points might go to the boss if they choose that option, so no free trips for you! The annual fee is only $105, but there's a $89 annual Membership Rewards fee if you want points. Pros - Expense line not liability on business balance sheet
- Earn Qantas points for spending
- Get bonus points when you sign up
- Cash flow management
Cons - Rewards membership fee applies
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days This card is on the more affordable end of the corporate card scale, but still earns membership rewards points and has several other perks up its sleeve. Will you get to keep the points? That’s up to the boss and the CFO, so be nice to them. Use it for business expenses only, as the expense monitoring is formidable. Pros - Expense line not liability on business balance sheet
- Earn reward points for eligible spend
- Cash flow management
- Get bonus points when you sign up
Cons - High foreign exchange fees
- Available to ABN-holders only
- Rewards membership fee applies
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 55 interest free days The American Express ® Business Gold Plus Card comes with a package of perks and benefits very much tailored to small business owners. The highlights include a sleek metal card for the Primary Card Member, up to $650 in credits to your account when you spend with selected business suppliers, plus an accelerated rate of rewards, including: 3 points per $1 spend at Xero, Google Ads, Meta, Amazon Web Services and Dell; 2 points per $1 spend with AccessLine® (subject to an application and approval process); 1.5 points per $1 on everyday spend; and 1 point per $1 on government spend, including the ATO. Accelerated earn rates apply on the first 200,000 points earned per calendar year, then you will earn 1 point per $1 spend across all categories, uncapped and with no expiry. Card Members also enjoy a range of premium travel benefits and 55 days to pay for purchases, all for an annual card fee of $395, with two Employee Cards (standard plastic) at no extra cost. Pros - Extend your cash flow by up to 55 days
- Earn reward points for eligible spend
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Metal card for Primary Card Member
Cons - High foreign exchange fees
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Up to 51 interest free days This is the card that the big boss has and you know it because it’s made of metal. It costs $800 in an annual fee to have it, but if used to its fullest, it can be well worth it. Amex have thrown everything at this card including points earning, insurance, lounge access and usually a bag-load of sign-up bonus points (this varies so check the current offer). There’s also no fee for up to 99 extra employee cards meaning business can really take advantage of the uncapped point-earning potential. Pros - Earn reward points for eligible spend
- Lounge access
- Complimentary Travel Insurance
- Get bonus points when you sign up
- Expense line not liability on business balance sheet
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend For Velocity Frequent Flyers, this card offers a compelling set of benefits and perks. The points-earning potential is significant, with a high base earn rate on standard card purchases (lower rate applies on government spend) and an accelerated rate on spending with Virgin Australia. Eligible Cardholders can also earn up to 100 Velocity Status Credits each year – 50 when you spend $25k on eligible purchases each Membership year and 50 more when you spend another $25k in the same Membership year (T&Cs apply). The Card also offers complimentary domestic lounge access every time you fly domestically with Virgin Australia (at selected domestic airports, enrolment required, T&Cs apply), with two single entry VA Guest Lounge Passes each Membership year to treat friends or family when travelling with you on a domestic Virgin Australia flight (selected domestic airports. T&Cs apply.) Just make sure you’re making the most of the perks to offset the $440 annual card fee. Pros - Earn Velocity Points for eligible spend
- Get bonus points when you sign up
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Complimentary domestic Virgin Australia Return Flight each anniversary year (Subject to availability, T&Cs apply)
- Complimentary domestic lounge access every time you fly domestically with Virgin Australia (At selected domestic airports. Enrolment required. T&Cs apply)
- Up to 100 Bonus Velocity Status Credits each year (T&Cs apply)
Cons - High interest rate on purchases
- No pre-set card limit could cause overspending
Additional information - Card Type: American Express
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Points per $1 Everyday spend It’s called Ultimate because this is the top-tier Qantas Card from American Express. What do you get for the $450 annual fee? Well, there’s a $450 Annual Qantas Travel Credit for starters. You can use that on eligible domestic or international Qantas flights each year when booked through American Express Travel (T&Cs apply). You also get uncapped Qantas point earning potential, with the earn rate per $1 varying depending on how you spend. The Card offers a host of other travel perks, plus up to four additional cards for family members or friends, at no extra fee. Pros - Complimentary Travel Insurance when you pay for your return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Members only)
- $450 Annual Qantas Travel Credit (T&Cs apply)
- Earn Qantas points for eligible spending (T&Cs apply)
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days The points-earning potential with this card is huge, especially on eligible spending with Qantas (2 points per dollar), plus there’s often a bonus points sweetener for signing up (offers vary and are subject to eligibility criteria). There's a $450 annual fee but you can add up to 99 cards for your employees with no further fee (subject to conditions). That will get the spending flowing, as well as the Qantas points. Complimentary Qantas Business Rewards Membership (also subject to conditions) is another nice perk. Add in the card’s travel insurance and it ticks a lot of boxes for businesses with travel needs (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits). Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Eligible new customers get bonus points for signing up
- Earn Qantas points for spending
- Lounge access
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend The American Express Velocity Escape Plus Credit Card combines the ability to earn Velocity Points with one of the lower ongoing card fees among cards in this category – $95 per year. You also get a $50 Virgin Australia Statement Credit when you save the benefit to your card and spend $50 or more on eligible flights with Virgin Australia (one credit per redemption period up to 31 December 2026, exclusions apply). The other major perk is Complimentary Travel Insurance when you use your Card to pay for your return trip. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). Pros - Earn Velocity Points for eligible spend
- Get bonus Points when you sign up (eligibility criteria, T&Cs apply, New Amex Members only)
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Up to 55 days interest free on purchases
Cons - High interest rate on purchases
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend This is the only Amex card that charges a monthly instead of annual fee. Whatever way you slice the fee, it’s decent value. The points earning potential is significant, with accelerated earning on the first 10,000 points per month (a lower rate then kicks in) and spending with selected merchants. Just pay attention to which merchants qualify for the top points earn rates and whether you’re likely to take full advantage. Screen protection coverage is a nice extra too (up to $500 for two events a year, with a 10% excess applied to the claimed amount, waiting periods as well as other limits and exclusions may apply - check with American Express for full details). Pros - Add up to 4 Additional Cards to your Account for family or friends, at no extra charge (eligibility criteria and T&Cs apply)
- Smartphone screen insurance (subject to limits, excess and waiting periods)
- Earn reward points for eligible spend
Cons - Amex not accepted everywhere
- High interest rate on purchases
- High foreign exchange fees
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Intro annual fee Then $195 p.a. Up to 55 interest free days $0 card fee in the first year is a good deal. $195 thereafter. Complimentary travel insurance is the headline with this card, plus you get a $200 travel credit through Amex, so basically the card is cost neutral. The 23.99% p.a. revolve rate means you need to pay your bill in full to really get value from the card. You also get mobile phone screen insurance. It’s one of the better-value cards in the market. Pros - No annual fee in first year
- Earn reward points for eligible spend
- Smartphone sceen insurance
Cons - AMEX not accepted everywhere
- High interest rate on purchases
- High foreign exchange fees
Additional information - Card Type: American Express
- Notice of change: From 15 Dec 2025, there will be updates to the Membership Rewards T&Cs and changes to points transfer rates for various airline partners. See website for full details.
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Points per $1 Everyday spend Up to 44 interest free days The $249 annual fee is on the steeper side, but the points earn rate you get is decent – 1 point per $1 on just about everything (excluding spending with the government) and double that for Qantas spend. Two lounge passes (if that’s your thing) and travel insurance could cover your annual fee depending on your usage. It’s certainly not a bad option but is all that worth $249 per year? Only you can decide. Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Lounge access
- Purchase protection insurance
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 51 interest free days If your business flies Virgin, this card from Amex could be for you. You'll earn 120,000 bonus Velocity Points when you apply by 13 Jan 2026, are approved and spend $3,000 on eligible purchases on your new American Express Velocity Business Card within the first 2 months of your approval date (T&Cs apply. New Amex Card Members only). You can also earn Velocity Points on regular business spending, with an accelerated earn rate when you spend on travel with Virgin Australia. The annual card fee is reasonable at $249, particularly if you use the card regularly and capitalise on the other perks (e.g. complimentary lounge access and travel insurance - check with Amex for details and conditions on these benefits). Pros - Earn Velocity points for eligible spending
- Complimentary lounge passes
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
Cons - Fee applies for additional cards
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 44 interest free days Shhh! This is the card that Amex doesn't want you to talk about. It’s one of the very few Qantas cards in Australia with no annual fee. You’ll earn 0.75 points per $1 on your everyday spend, which might seem low but for the average punter, this is a more than decent earn rate. You don't get travel insurance or many other perks generally and there’s only up to 44 days interest-free on purchases (i.e.14 days to pay). If you revolve a balance, you’ll pay 23.99% p.a. which could easily wipe out any points benefit. Pros - No annual fee
- Earn Qantas points for spending
- Purchase protection insurance
Cons - High interest rate on purchases
- High foreign exchange fees
- AMEX not accepted everywhere
Additional information - Card Type: American Express
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