{
  "source": "https://apigw.americanexpress.com/cdr/unauth/cds-au/v1/banking/products/c5bb5574-b7cb-4216-bc45-d2bb9a60dce2",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "c5bb5574-b7cb-4216-bc45-d2bb9a60dce2",
    "lastUpdated": "2026-07-09T05:00:00.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "The American Express Velocity Business Card",
    "description": "The American Express Velocity Business Card - earn Velocity Points on your Business spend.",
    "brand": "American Express",
    "brandName": "American Express",
    "applicationUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "termsUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "eligibilityUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "feesAndPricingUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/"
    },
    "cardArt": [
      {
        "cardScheme": "AMEX",
        "cardType": "CHARGE",
        "title": "The American Express Velocity Business Card",
        "imageUri": "https://icm.aexp-static.com/Internet/CardArt/JAPA/au-cardasset-config/images/GAUG72100000S3.gif"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "99",
        "additionalInfo": " $99 annual Employee Card fee per Card for up to 99 Cards.",
        "additionalInfoUri": "https://www.americanexpress.com/au/business/customer-centre/business/employee-cards/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Ways to pay your bill",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/pay-bill/"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "New Card Member Offer",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Amex App",
        "additionalInfo": "The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalValue": "Fraud Protection",
        "additionalInfo": " Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/service-and-security/fraud-protection/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary Travel Insurance",
        "additionalInfo": "Terms, conditions, cover limits and exclusions apply.",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Earn Velocity Points",
        "additionalInfo": "2 Velocity Points for every $1 spent on purchases with Virgin Australia.\n1 Velocity Point for every $1 spent on other purchases, except on government where you will earn 0.5 points for every $1 spent.",
        "additionalInfoUri": "https://www.americanexpress.com/au/business/business-credit-cards/membership-benefits/velocity-business-card/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment due reminder"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Spend tracking notification"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment received alert"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Amex Offers",
        "additionalInfo": "Enjoy exciting offers and deals with Amex Offers that add value to your Card Membership. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "American Express Experiences",
        "additionalInfo": "Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/benefits/entertainment/events"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible Payment Option",
        "additionalInfo": " Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. Subject to interest.",
        "additionalInfoUri": "https://www.americanexpress.com/au/business/credit-cards/membership-benefits/FPO/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Cashflow Days",
        "additionalInfo": "Take advantage of up to 51 days to pay for purchases"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Virgin Australia Lounge Passes",
        "additionalInfo": "Escape the crowds with two complimentary passes to the Virgin Australia Lounge at selected domestic airports each Membership year when travelling on an eligible Virgin Australia domestic flight, subject to availability and eligibility criteria.",
        "additionalInfoUri": "https://www.americanexpress.com/au/business/business-credit-cards/membership-benefits/velocity-business-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible Spending Power",
        "additionalInfo": "Your Velocity Business Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/flexible-spending-power/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You are an Australian citizen or permanent resident or hold a long term visa",
        "additionalInfo": "Long term visa means 12 months or more and does not include a student visa"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Must be a Director or Controller of the business"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "An active Australian Business Number (ABN)."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": " Business must be GST registered."
      },
      {
        "eligibilityType": "MIN_TURNOVER",
        "additionalValue": "75000.00"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications are assessed based on the information provided and are subject to credit approval."
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "249.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Business Employee Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "99.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": " $99 annual Employee Card fee per Card for up to 99 Cards (this limit includes both active and cancelled Employee Cards).",
        "additionalInfoUri": "https://www.americanexpress.com/au/business/customer-centre/business/employee-cards/"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "20.00"
          }
        },
        "currency": "AUD",
        "additionalValue": " When you do not pay the minimum payment required by the due date as shown on your statement.",
        "additionalInfo": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount."
      },
      {
        "name": "Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": " 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars."
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "$20 for each dishonour or debit rejection."
      },
      {
        "name": "Over the Counter Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS."
      },
      {
        "name": "Record of Charge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit."
      }
    ]
  }
}