Important Information

*A business must be a Qantas Business Rewards member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for B2Bpay customers. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points for business are offered under the B2Bpay Customer Terms and Conditions.  Members will earn 1 Qantas Point for every $7 paid to the ATO by card, 1 Qantas Point for every $10 paid to all other billers by card and 1 Qantas Point for every $3 paid to a biller by bank account. Members can also earn up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers.  See B2Bpay website for a list of current B2Bpay Bonus Billers. Qantas Points will be credited to the members' Business Rewards account by the 14th day of the month following the eligible spend. Any claims in relation to Qantas Points under this offer must be made directly to B2Bpay by emailing info@b2bpay.com.au. Businesses must ensure the ABN registered with Qantas Business Rewards is saved in the B2Bpay customer profile or entered online when paying in order to earn Qantas Points. Qantas Points earned using B2Bpay will be automatically credited to your linked Qantas Business Rewards account by the 14th day of the month following the eligible spend as outlined in the B2Bpay Customer Terms and Conditions.

ANZ

# ANZ Qantas Business Rewards credit cards earn 0.75 Qantas Points for every $1 spent on eligible purchases in the statement period up to and including $15,000, 0.5 Qantas Points for every $1 spent on eligible purchases in the statement period over $15,000. 0.50 Qantas Points for every $1 spent on government charges. For details, refer to  ANZ Qantas Business Rewards Terms & Conditions.

Ω Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

> Interest free days do not apply if you do not pay your Closing Balance in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions.

American Express
+ A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee, fees and charges for travellers cheques and foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. From 10 January 2024, once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000  points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

~~ Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Primary Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. Terms and Conditions apply.

** Depending upon when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.

± No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

NAB

##All Qantas Points earned using the card(s) will be credited to the Qantas Business Rewards account. To earn points using your NAB Qantas Business Signature Card, you must be a member of the Qantas Business Rewards program. A joining fee usually applies; however, NAB has arranged to provide Qantas Business Rewards membership with the joining fee waived to NAB members who apply at www.qantas.com/nabqbr. Membership and points are subject to the Terms and Conditions of the Qantas Business Rewards Program. Refer to the NAB Qantas Commercial Card Rewards Conditions (PDF, 317KB) for details of eligible business purchases. Points are capped at $50,000 spend per card per statement period.

Δ Interest-free days on everyday business purchases. If you pay your closing balance on your monthly statement in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers’ cheques and transactions for gambling or gaming-related purposes).

§ NAB Concierge Service: This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Service call 1300 498 594 , 24 hours a day, seven days a week. See the NAB Concierge Service terms and conditions for full details. For information on Visa benefits please visit Visa Offers and Perks.

Westpac

^^ A business must be a Qantas Business Rewards Member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for Westpac customers. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points for business are offered under the Westpac Terms and Conditions. From 1 July 2022, for BusinessChoice Rewards Platinum cards, earn 0.5 Qantas Points per $1 spent on eligible business purchases and 0.33 Qantas Points per $1 spent on Government payments up to a maximum of 100,000 Qantas Points per facility per month. This limit resets each month based on your facility’s statement date. Bonus Points earned are not a part of your monthly cap. Eligible purchases do not include government charges, interest and other bank fees and charges, cash advances, balance transfers, BPAY payments or if the Billing Account is in arrears or over limit on the posting date of a transaction. Members will earn 0.33 Qantas Points for every $1 spent on government spend. Qantas Points will be credited to the Member's Qantas Business Rewards account within 60 days of the purchase of the eligible services. Any claims in relation to Qantas Points under this offer must be made directly to Westpac by calling 1300 367 228. A $150 annual fee per card applies. View the Westpac Terms and Conditions for full details. This card is issued and administered by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The Westpac BusinessChoice Rewards Card referred to is not a Qantas product and not offered or issued by Qantas but by Westpac Banking Corporation. Contact Westpac Banking Corporation for terms and conditions or enquiries. Westpac is the credit provider and credit licensee under the National Consumer Credit laws. These may change or Westpac Banking Corporation may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products.

⤉ Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in Westpac Business Credit Cards Complimentary Insurance Policy / Commercial Cards Insurance Policy  which may be amended from time to time. Westpac does not guarantee this insurance.

Bendigo Bank
^ 25,000 bonus Qantas Points offer: Offer is valid for applications submitted and approved from 12:01am AEDT 11 April 2022. Bendigo Bank may vary or end this offer at anytime and it is only available on the Qantas Business Credit Card. 25,000 bonus Qantas Points limited to one per Qantas Business Credit Card customer only. To be eligible for Qantas Points, minimum monthly repayments must be made as per your monthly statement and the account must be open, active and not otherwise in default. To receive the 25,000 bonus Qantas Points, you must a) Register for free to be a member of Qantas Business Rewards https://www.qantas.com/au/en/business-rewards/partner/join.html?code=PFBENDIGO b) Apply and be approved for a Bendigo Bank Qantas Business Credit Card. Bonus Qantas Points will be credited to your Qantas Business Rewards account within 90 days from account opening. Bonus Qantas Points will appear in your Qantas Business Rewards Activity Statement which can be checked online at qantasbusinessrewards.com/login. 

‡ To earn Qantas Points with a Qantas Business Mastercard, a business must be a Qantas Business Rewards member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for Bendigo Bank customers upon approval of a new Qantas Business Mastercard facility. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points are offered under the Bendigo Business Credit Card Terms and Conditions. Eligible Purchases are described in the Bendigo Bank Business Credit Card Terms and Conditions and do not include fees, cash, cash equivalent transactions, balance transfers, premiums paid etc. and transactions for gambling or gaming purposes. You will also not earn Qantas Points on a card or card account where for that statement period, a card account is in arrears or over limit at the end of that statement period. Your business will earn 1 bonus point for every $1 spent on selected Qantas products and services. The earning of bonus points on selected Qantas products and services in Australia is not included in any Card Accounts' points cap. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. Earn rates are subject to change. Qantas Points are capped at 30,000 per account number for each statement period, or 360,000 per annum from the account opening date.Qantas Points will be credited to the Member's Qantas Business Rewards account within 60 days of the purchase of the eligible services. To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. A joining fee may apply. Any questions in relation to Qantas Points under this offer must be made directly to Bendigo Bank by calling 1300 236 344.