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Commercial credit cards with Qantas points

See a list of the top business credit card with Qantas points

Updated: 01.09.2026

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Quick Rates Review

Compare top financial options at a glance. Comprehensive analysis for each listed offer is available further down the page

#
Institution
Rate (APR/APY)
Sum & Term
1
NAB NAB
18.50% - 21.74%

Up to $5,000

Flexible Term

2
Bank of Melbourne Bank of Melbourne
19.49% - 20.24%

Flexible Amount

Flexible Term

3
BankSA BankSA
19.49% - 20.24%

Flexible Amount

Flexible Term

4
St. George Bank St. George Bank
19.49% - 20.24%

Flexible Amount

55 days

5
Bendigo Bank Bendigo Bank
19.99% - 21.99%

Flexible Amount

Flexible Term

6
ANZ Bank ANZ Bank
20.24% - 21.74%

Up to $5,000

Flexible Term

7
Westpac Bank Westpac Bank
20.24%

$2,000 - $250,000

Flexible Term

Quick Expert Insights

Interest Rates
Average:19.63%
Range:18.50% - 21.99%
Product Term
Minimum: 55 days
Maximum: 55 days
Limit / Amount
Min Entry:$2,000
Max Limit:$250,000
Analysis of 7 offers shows an average rate of 19.63%, with the absolute market maximum reaching 21.99%. Flexible terms from 55 days are available at St. George Bank, while St. George Bank offers terms up to 55 days . The lowest entry is $2,000 (via Westpac Bank).

Full Products Review

In-depth analysis of available financial offers. Compare detailed terms and explore expert insights to choose the most suitable option for your needs.

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ANZ Bank

ANZ Qantas Business Rewards

Rate: 20.24% - 21.74%

Sum: $5,000

💰 Fees & Rates

  • Annual Fee: $300
  • Rewards Fee: $75 per card per year
  • Late Payment Fee: Applicable if closing balance not paid by due date
  • Cash Advance Fee: Applicable to all cash-related transactions
  • Foreign Transaction Fees: Fees apply for overseas purchases

📋 Important Terms

  • Bonus Offer: Up to 150,000 bonus Qantas Points (100k for $6,000 spend in 3 months + 50k for holding card for 15 months)
  • Earn Rate: 0.75 points per $1 up to $15,000 per month; 0.5 points per $1 thereafter (uncapped)
  • Tax Payments: 0.5 points per $1 spent on ATO/tax payments
  • Interest-Free Period: Up to 55 days on eligible purchases
  • Complimentary Insurance: Domestic and International Travel Insurance included
  • Membership: Free Qantas Business Rewards membership for ANZ customers (save $89.50)

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ Qantas Business Rewards card is a high-velocity loyalty tool that competes directly with premium travel cards from Canada's Big Five, such as the RBC Avion Visa Infinite Business or the TD Aeroplan Business Rewards Card. The primary advantage is the "uncapped" nature of points earning and the ability to earn points on government/tax payments, which is a rare feature in the Australian market. The main disadvantage is the dual-tier fee structure ($300 annual + $75 reward fee per card), which can become expensive for businesses with multiple cardholders. This card is best suited for high-spending SMEs that prioritize travel benefits and can leverage large tax liabilities to accelerate Qantas Point accumulation for business flight redemptions.

📍 View official contacts for ANZ Bank

Bank of Melbourne

Amplify Business

Rate: 19.49% - 20.24%

💰 Fees & Rates

  • Annual card fee: AUD 89.
  • First-year annual card fee: AUD 0 for the first year.
  • Foreign transaction fee: 3% of the Australian dollar value of any foreign transaction.
  • Cash advance fee: 3% of the cash advance amount.
  • Missed payment fee: AUD 0.
  • Card replacement fee: AUD 0, though courier costs may apply.
  • Overlimit fee: AUD 0, applied once per statement period if a transaction exceeds available credit.
  • Automatic payment dishonour fee: AUD 0, applied once per statement period for each dishonoured automatic payment.

📋 Important Terms

  • This is a personal liability business credit card.
  • Up to 4 cards can be issued in total, including up to 3 additional cardholders.
  • Earn uncapped points on eligible business purchases.
  • Double points apply on international spending.
  • Rewards can be redeemed through Amplify Rewards or Amplify Qantas.
  • Up to 55 days interest-free on purchases when the Closing Balance, or Monthly Payment Balance after a balance transfer, is paid on time.
  • Complimentary insurance includes Transit Accident Insurance and Unauthorised Transaction Insurance, subject to the terms and conditions.
  • Expense data can be exported to MYOB and BAS or downloaded to Excel for tax and bookkeeping purposes.

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage is the uncapped rewards structure with a choice between Amplify Rewards and Qantas Points, which gives business spenders flexibility that many mid-market cards from the Big Five do not match as cleanly. The main drawback is the relatively high purchase and cash advance rates, so the card works best only if the balance is paid in full each month. Compared with business cards from RBC, TD, BMO, Scotiabank, and CIBC, this is a good fit for owners who want points on everyday and international business spending plus simple expense reporting, rather than a low-rate borrowing tool.

📍 View official contacts for Bank of Melbourne

BankSA

Amplify Business

Rate: 19.49% - 20.24%

💰 Fees & Rates

Card Fee (per year)$89 ($0 for the first year)
Foreign transaction Fee3% of the Australian dollar value of any Foreign Transaction
Cash Advance Fee3% of the cash advance amount
Missed Payment Fee$0
Card replacement fee$0 (courier costs may apply)
Overlimit Fee$0
Automatic payment fee$0

📋 Important Terms

  • Personal liability business credit card designed for corporate and expense management.
  • Up to 55 days interest-free on purchases when paying the full Closing Balance on time.
  • Features uncapped reward points with two options: Amplify Rewards or Qantas Points.
  • Earn rates for Amplify Rewards: 2 points overseas, 1 point domestic, 0.5 points government payments per dollar spent.
  • Earn rates for Qantas Points: 1 point overseas, 0.5 points domestic, 0.25 points government payments per dollar spent.
  • Includes simplified tax reporting with direct data export into MYOB, BAS, or Excel format.
  • Complimentary insurance coverage including Transit Accident Insurance and Unauthorised Transaction Insurance.

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this business credit card is its highly affordable cost structure, offering a very low annual fee of $89 that is waived completely in the first year, alongside uncapped reward points and complimentary business insurances. The main disadvantage is the high purchase rate of 19.49% variable and cash advance rate of 20.24% variable, which can quickly erase the benefit of rewards if a monthly balance is carried forward. When compared to premium commercial cards from the Big Five Canadian banks, such as TD or RBC, this card provides less rich tier-one perks but stands out as an incredibly cost-effective option for small businesses that integrate directly with MYOB and BAS for tax reporting.

📍 View official contacts for BankSA

Bendigo Bank

Qantas Business Credit Card

Rate: 19.99% - 21.99%

NAB

NAB Qantas Business Signature Card

Rate: 18.50% - 21.74%

Sum: $5,000

St. George Bank

Amplify Business

Rate: 19.49% - 20.24%

Term: 55 days