---
title: "The American Express® Qantas Business Rewards Card — American Express"
description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/american-express/products/29422ec1-d2ad-479f-a41b-9686b29c2bf9
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-09T05:00:00.000Z
---

# The American Express® Qantas Business Rewards Card — American Express

> Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The American Express Qantas Business Rewards Card - the Business Card that moves with you. Earn Qantas Points on your Business spend

## At a glance

- **Purchase rate:** 23.99%
- **Annual fee:** $0.00

## Apply

Applications are handled by the provider: [Apply at American Express](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit.) | 23.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Business Employee Card Fee — Charged yearly ·  $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards). | Ongoing | $0.00 |
| Annual Fee — Charged yearly · Discount −$450.00 — American Express may, at its discretion, discount the annual fee where the customer holds an eligible American Express Personal Card and meets all other applicable eligibility criteria. (eligibility: Other: Offer only available to Card Members who hold and continue to hold a full‑fee Qantas American Express Ultimate Card and meet all other applicable eligibility criteria.) · Discount −$225.00 — American Express may, at its discretion, discount the annual fee to new Card Members who are American Express accepting Merchants and meet all other applicable eligibility criteria. (eligibility: Other: Offer only available to new Card Members who are American Express accepting Merchants at the time of application and approval, continue to accept American Express and do not breach their Card acceptance agreement, and have not held any other American Express Business Card in the past 18 months.) | Ongoing | $450.00 |
| Late Payment Fee — When you do not pay the minimum payment required by the due date as shown on your statement. · Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance |
| Currency Conversion Fee —  3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee — $20 for each dishonour or debit rejection. | Event | $20.00 |
| Over The Counter Fee —  $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |
| Record of Charge Fee — 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. | Event | $7.00 |

## Features

- **Additional cards** — up to 99 (No fee for up to 99 Employee Cards.)
- **Bill payment (BPAY)** — Ways to pay your bill
- **Bonus rewards** — New Card Member Offer
- **Bonus rewards** — Existing Merchant Member Card Offer
- **Digital banking** — Amex App (The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Fraud protection** — Fraud Protection (Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.)
- **Insurance included** — Complimentary Travel Insurance (Terms, conditions, cover limits and exclusions apply.)
- **Loyalty program** — Earn Qantas Points (Earn up to 4 Qantas Points per $1 spent:
2 Qantas Points per $1 spent on eligible Qantas products and services when you pay with your Card, plus 2 bonus Qantas Points per $1 spent on eligible Qantas flights once all segments in a flight booking have been flown.
1.25 Qantas Points on everyday business spend, except spend at government, utilities & insurance in Australia where you'll get 0.5 Qantas Points per $1 spent.
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 Point per $1 spent.)
- **Notifications** — Payment due reminder
- **Notifications** — Spend tracking notification
- **Notifications** — Payment received alert
- **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.** — Amex Offers
- **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.** — American Express Experiences
- **Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. Subject to interest.** — Flexible Payment Option
- **With up to 51 days to pay for purchases, you can give your business the financial breathing room to take greater control of your cash flow.** — Extend your cash flow by up to 51 days
- **Make your Travel more Comfortable with Complimentary Lounge Access. With two complimentary domestic Qantas Club lounge passes annually, you can unwind before your flight after your first spend on selected Qantas products or services.** — Qantas Lounge Access
- **Welcome to the best of both worlds with your complimentary membership to the Qantas Business Rewards program. You can earn Qantas Points for your business with American Express and other Qantas Business Rewards Partners, while saving up to 10% on eligible Qantas flights.** — Complimentary Qantas Business Rewards Membership
- **Your American Express Qantas Business Rewards Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card** — Flexible Spending Power

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — You are an Australian citizen or permanent resident or hold a long term visa. (Long term visa means 12 months or more and does not include a student visa.)
- **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.**
- **Business customers** (Must be a Director or Controller of the business)
- **Business customers** (An active Australian Business Number (ABN).)
- **Business must be GST registered.**
- **Minimum turnover** — $75,000.00 p.a.
- **Applications are assessed based on the information provided and are subject to credit approval.**

## More information from American Express

- [Overview](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/)
- [Terms & conditions](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/)
- [Eligibility](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/)
- [Fees & pricing](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/)

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `29422ec1-d2ad-479f-a41b-9686b29c2bf9`
- Last updated by the provider: 9 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/29422ec1-d2ad-479f-a41b-9686b29c2bf9
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/29422ec1-d2ad-479f-a41b-9686b29c2bf9) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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