American Express
American Express

American Express Business Card

Purchase Rate
0% p.a.
Cash Advance Rate
0% p.a.
Interest Free
Up to 51 days
Annual Fee
  • Earn up to 1 Membership Rewards point1 per $1 spent.
  • No pre-set spending limit means more flexibility.
  • Extend your cash flow up to 51 days.
  • Receive monthly statements that provide a detailed, itemised list of business expenses.
  • Cards are Chip, PIN and Contactless enabled providing enhanced security, speed and convenience when making a purchase.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • Earn 1.5 Membership Rewards points per $1 spent excluding government spend where you’ll earn 1 point per $1 spent
  • Your Membership Rewards points are not capped and they don't expire, so you can enjoy more points for longer.
  • Transfer points to any of our 9 airline rewards partners and 2 leading frequent flyer guest partner programs.

Fee & Repayments

Annual Fee $109.00
Annual Fee First Year $109.00
Rewards Joining Fee $80.00
Supplementary Card Fee $79.00
Minimum Repayment Greater of 100% or $0.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Rewards Program

Rewards Points per Dollar 1.5
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $13,500.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.