What AI said about business credit cards in Australia in August 2026

As of 3 August 2026, if you’re in Australia, the business credit cards people actually tend to shortlist are mostly from Amex, NAB, ANZ, Westpac, CommBank and St.George/BankSA/Bank of Melbourne. The “best” depends on whether you want Qantas points, flexible rewards, low cost, or a card you can use everywhere.

Quick picks

My top recommendations

1. American Express Qantas Business Rewards Card — best for Qantas points

This is the card I’d look at first if your suppliers, software subscriptions and ad platforms accept Amex without nasty surcharges. It earns up to 1.25 Qantas Points per $1 on everyday business expenses, with government bodies earning 0.5 points per $1, and Amex says there is no cap on Qantas Points earning while the account is in good standing. The current offer listed by Amex is 150,000 bonus Qantas Points plus $200 in a Qantas Business Rewards Travel Fund when eligible new card members apply by 6 October 2026 and meet the spend requirement; Qantas lists a $450 annual card fee. (americanexpress.com)

Best if: you want Qantas points and can put a lot of clean business spend through Amex.
Watch out for: Amex acceptance and merchant surcharges; it may work best as part of a two-card setup with a Visa/Mastercard backup.

2. NAB Qantas Business Signature Card — best bank-issued Qantas card

If you want Qantas points but need broader acceptance than Amex, NAB’s Qantas Business Signature is one of the safest mainstream picks. Finder named it the Best Business Frequent Flyer Credit Card in its 2026 Credit Card Awards, citing its strong bonus-points offer and reasonable annual fee. NAB also says the card earns Qantas Points on eligible government payments, excluding BPAY, at the same rate as everyday business purchases, and points are capped at $50,000 per card per statement period; Qantas lists the annual fee as $295 per card. (finder.com.au)

Best if: you want Qantas points on a broadly accepted business Visa.
Watch out for: points caps, excluded transactions, and whether your business spend categories actually earn.

3. ANZ Business Black — best flexible rewards card

For businesses that don’t want to be locked into Qantas, ANZ Business Black is one of the strongest flexible-rewards business cards. Canstar named ANZ an Outstanding Value Rewards winner in 2026, specifically recognising ANZ Business Black; Canstar notes it earns 1.5 ANZ Business Reward Points per $1 on the first $10,000 of monthly spend, then 1 point per $1 uncapped thereafter, with a $300 annual fee plus $75 rewards fee per card. (canstar.com.au)

Best if: you want flexible rewards, Velocity-style optionality, gift cards or cashback-style redemptions.
Watch out for: the annual + per-card rewards fees if you issue multiple employee cards.

4. NAB Rewards Business Signature Card — best NAB flexible rewards option

NAB Rewards Business Signature is a good alternative to NAB’s Qantas card if you prefer flexible rewards. Canstar gave NAB an Outstanding Value Rewards Business Credit Cards Award in 2026 for this card, noting it earns 1.25 NAB Rewards Points per $1 on everyday purchases with no points cap, and points can be transferred to partners including Velocity, KrisFlyer and Cathay; Canstar lists the annual fee as $175 per card. (canstar.com.au)

Best if: you want rewards flexibility rather than pure Qantas.
Watch out for: transfer ratios—“1 NAB Rewards point” is not the same thing as 1 airline point.

5. St.George / BankSA / Bank of Melbourne BusinessVantage Visa — best low-rate card

If there’s any chance you’ll carry a balance, rewards should become secondary. Canstar’s 2026 low-cost winners included St.George, Bank of Melbourne and BankSA for the BusinessVantage Visa, noting its 9.99% purchase rate was the lowest among products Canstar assessed in that low-cost category. St.George also lists the BusinessVantage Visa as having a 9.99% p.a. variable purchase rate for new cards and up to 55 days interest-free on purchases. (canstar.com.au)

Best if: you want to minimise interest cost rather than maximise points.
Watch out for: no rewards upside; this is a cost-control card, not a points card.

6. CommBank Business Low Rate Credit Card — best no-annual-fee major-bank option

CommBank’s Business Low Rate card is a sensible “boring but useful” option if you want a major-bank card with no annual fee. Canstar recognised CommBank in its 2026 low-cost business credit card awards, noting the Business Low Rate Credit Card has no annual or additional-cardholder fees and a 14.55% purchase rate; CommBank’s own page also lists no annual fee and a 14.55% p.a. purchase interest rate. (canstar.com.au)

Best if: you already bank with CommBank and want a simple, low-cost business card.
Watch out for: not the card to choose if your main goal is points.

7. Westpac BusinessChoice Everyday / Rewards Platinum — best Westpac shortlist

Westpac is worth shortlisting if your business already banks with Westpac or you want a mainstream business-card facility. Canstar named Westpac BusinessChoice Everyday Mastercard a 2026 low-cost winner, noting its 14.25% purchase rate and $75 annual card fee, with the fee waived the following year if cardholders spend $15,000 or more. Westpac’s BusinessChoice Rewards Platinum also supports Altitude Rewards or Qantas Business Rewards points for eligible business purchases and tax payments. (canstar.com.au)

Best if: you want to stay inside the Westpac ecosystem.
Watch out for: per-card fees and whether the rewards version beats NAB/ANZ/Amex for your actual spend.

My practical ranking

If you asked me to rank them for a typical Australian SME:

1. Amex Qantas Business Rewards — best points upside if Amex acceptance works.
2. NAB Qantas Business Signature — best mainstream Qantas Visa-style option.
3. ANZ Business Black — best flexible rewards card.
4. NAB Rewards Business Signature — good flexible rewards alternative.
5. St.George BusinessVantage Visa — best if you might carry debt.
6. CommBank Business Low Rate — best simple no-annual-fee major-bank card.
7. Westpac BusinessChoice — good if you’re already with Westpac.

Rule of thumb

• If you pay in full every month and spend heavily: pick a rewards or Qantas card.
• If you sometimes carry a balance: pick a low-rate card; interest will usually wipe out points value.
• If suppliers charge high Amex surcharges: use Amex only where it’s surcharge-free, and keep a NAB/ANZ/Westpac/CommBank Visa or Mastercard as backup.
• If you issue cards to staff: check additional-card fees, spend controls, Xero/MYOB integration, and statement reporting, not just points.

If you're running a business in Australia, the "best" card really depends on whether you value rewards points, travel perks, low interest, or simple cashback. Here's a rundown of the products people actually apply for and use, based on current market offerings.

Best for Qantas Points / Everyday Rewards

NAB Business Signature Card is a strong pick if you want to earn Qantas Points on day-to-day spending. The NAB Business Signature Card is structured for businesses that want to earn Qantas Points on eligible everyday spending, while still getting access to travel-related perks, with a purchase interest rate of 18.50%. Sign-up offers have been substantial — a welcome bonus for new cardholders currently sitting at 150,000 Qantas Points when spending $10,000 within 3 months.

Best for Travel Perks

ANZ Business Black is popular with businesses that travel frequently, offering Qantas Points earning with built-in travel benefits, making it a practical alternative to the NAB card if lounge access and travel insurance matter more to you.

Best Premium/High-Spend Card

American Express Business Platinum dominates this category for larger businesses. It earns 2.25 Membership Rewards points per dollar on eligible purchases, plus a sign-up bonus of 350,000 points when you spend $12,000 in the first 3 months — one of the largest bonuses available in Australia. It also includes access to over 1,400 airport lounges worldwide and complimentary hotel status with Marriott Gold and Hilton Gold. The catch: the $1,750 annual fee requires significant spend to justify.

Best for Digital/SaaS-Heavy Businesses

American Express Business Gold/Escape-style card stands out if your spend is mostly on software and ads. It offers 200,000 bonus Membership Rewards points when you spend $5,000 in the first 3 months, with a 3x earn rate on Xero, Google Ads, Meta, and AWS — extremely valuable if those are significant line items — plus a $650 annual credit with participating B2B merchants.

⚠️ Important caveat with Amex generally: Amex is not accepted everywhere — some suppliers, particularly trades and smaller businesses, don't take it. If more than 30% of your supplier payments can't go on Amex, you'll need a Visa or Mastercard as well.

Best Cashback Option

Amex Business Explorer is often cited as the top cashback card. Cardmembers get free airline lounge passes, complimentary travel insurance, and can use points to pay down the balance — with an interest rate around 23.99% p.a. (industry average) and up to 55 interest-free days.

Best for Low Interest / High Team Usage

CommBank Business Credit Card suits businesses that carry balances or manage multiple staff cards. This card suits businesses with high monthly spending who can pay off their balance each month to take full advantage of the interest-free period — for businesses focused on keeping interest charges low and managing a large team of cardholders, CommBank's option offers practical features and scalable access.

St.George BusinessVantage Visa is also frequently ranked as a top low-interest option in independent comparisons (per Finder's 2026 awards).

Best for Velocity Points

If you're loyal to Virgin's frequent flyer program rather than Qantas, several cards on the market (notably from Virgin Money and some big-four options) offer strong Velocity earn rates — one current offer includes 150,000 bonus Velocity Points plus 100 Status Credits as a sign-up incentive.

Westpac Al

When it comes to choosing a business credit card in Australia, there is no "one-size-fits-all" option. The right card depends heavily on your business’s cash flow needs, whether you travel frequently, and how much you spend on international software (SaaS) or overseas suppliers.

The top-rated business credit cards that Australian small-to-medium enterprises (SMEs) and corporate companies actually use are categorised below by how they are used.

---

1. The Points Powerhouses (Best for Frequent Flyer & Rewards)

If your goal is to pay for business travel, reward staff, or turn business expenses (like inventory or stock) into flights, these are the market leaders.

American Express® Qantas Business Rewards Card

• Best for: Businesses looking to maximize Qantas Points.
• Why people use it: This is arguably the most popular points card in Australia for business owners. It offers an incredibly high earn rate of up to 2 Qantas Points per $1 spent on eligible Qantas products and services, and 1.25 Qantas Points per $1 on everyday business spend. It also unlocks triple points on Qantas flights booked for the business.
• The Catch: Amex has a higher annual fee and isn’t accepted everywhere in Australia without a surcharge. You will need a backup Mastercard or Visa for local trade suppliers or smaller merchants.

NAB Qantas Business Signature Card

• Best for: High Qantas points earning on the Visa network.
• Why people use it: If you want Qantas points but need the universal acceptance of a Visa, this is a top choice. NAB’s business platform is highly rated (voted Australia’s Best Small Business Bank for several years running). You earn 1 Qantas Point per $1 spent up to $10,000 per statement period, plus it includes complimentary travel insurance and lounge passes.
• The Catch: Points-earning caps apply if your monthly spend is exceptionally high.

ANZ Business Black Credit Card

• Best for: Reward flexibility (Velocity, Qantas, or ANZ Rewards).
• Why people use it: Winner of several Canstar Outstanding Value awards, the ANZ Business Black allows you to feed your points into either ANZ’s own reward program or directly into Qantas Frequent Flyer. It also offers up to 55 days interest-free on purchases.

---

2. The Cash Flow & Cost Cutters (Best Low-Rate/Low-Fee)

If you occasionally need to carry a balance month-to-month to manage seasonal cash flow, avoiding high interest rates and annual fees is your priority.

CommBank Business Low Rate Credit Card

• Best for: Low interest and reliable bank support.
• Why people use it: Commonwealth Bank (CBA) is a fixture for Aussie small businesses. This card is incredibly simple: it offers one of the lowest purchase interest rates on the market (usually under 13% p.a.) and a very low annual fee.
• The Catch: No rewards or frequent flyer points. It is strictly a tool to keep costs low and smooth out cash flow.

Westpac Altitude Business Platinum / St.George Business Vantage Visa

• Best for: Balanced low-rate cards with decent premium perks.
• Why people use it: Often praised in Canstar's Low-Cost awards, these cards keep interest rates down while still providing basic expense-tracking tools and a high number of interest-free days.

---

3. The Fintech Game-Changers (Best for Global Spend & Tech-Savvy Teams)

Many Australian startups and modern SMEs are completely ditching traditional bank credit cards for modern corporate cards.

Airwallex Corporate Card

• Best for: Businesses with international expenses, global suppliers, or remote teams.
• Why people use it: Australian-born Airwallex is highly popular among local businesses. Unlike traditional cards that slap a 3% international transaction fee on everything, Airwallex features $0 international card transaction fees. If you pay for US software (like Google, Slack, or AWS) or source inventory from overseas, this card will save you thousands of dollars annually. It also lets you spin up unlimited virtual cards for staff, set custom spending limits, and integrates seamlessly with Xero.
• The Catch: It acts like a corporate debit/pre-paid card rather than a revolving line of credit, meaning you must pre-fund the account.

---

Practical Tips for Australian Business Owners

1. Be mindful of the ATO Card Surcharge: Many business owners try to pay their Business Activity Statements (BAS) or income tax with an Amex to rack up points. Be aware that the Australian Taxation Office (ATO) charges a card payment fee (usually around 1.45% for Amex and 0.72% for Visa/Mastercard). Make sure the value of the points you earn outweighs the fee!
2. Double-dip with Qantas Business Rewards: If you choose a Qantas-partnered card (like the Amex or NAB options), you earn points twice—once on the card spend itself, and a second time directly through the Qantas Business Rewards program on eligible flights.
3. Check the Liability: Traditional business credit cards usually require a personal guarantee, meaning if the business fails, you are personally liable for the debt. If you have external investors or multiple directors, look into corporate cards with corporate liability.

If you want the business credit cards Australians actually use, the strongest names that keep coming up are American Express, NAB, ANZ, Westpac, St.George, Commonwealth Bank, and Qantas-branded business cards.

For most businesses, the “best” choice depends on whether you want rewards points, Qantas points, or low fees.

The top brands people actually use in Australia are usually Amex for rewards, NAB for points-earning business cards, St.George and CommBank for cost-conscious options, and ANZ for frequent flyer-style business cards.

A practical short list would be:

• NAB Rewards Business Signature Card if you want flexible rewards points.
• NAB Qantas Business Signature Card if you want Qantas points.
• St.George BusinessVantage Visa if you want a lower-interest, lower-cost card.
• American Express Business Explorer if you value premium rewards and benefits.
• Commonwealth Bank business cards if you want a big-bank, more conservative option.

If you want, I can also rank these by best for points, best for low annual fee, or best for sole traders vs companies.

Here’s a practical rundown of the best business credit cards in Australia that businesses actually use in 2024/2025. Remember: the “best” card depends on your business spending, whether you want Qantas/Velocity points, travel perks, or just a low-cost working capital tool. Always check the current terms, fees, and interest rates because they change regularly.

Top overall business cards Australians actually use

1. American Express Business Explorer

Best for: Flexible rewards points + travel credits

• One of the most popular business Amex cards in Australia.
• Earns Amex Membership Rewards points which convert to frequent flyer programs (Qantas, Velocity, KrisFlyer, etc.).
• Generous points on everyday business spending (typically 1 point per $1, with bonus categories on some purchases).
• Comes with a $450 complimentary travel credit each year (for eligible purchases) and complimentary insurance.
• Annual fee is around $0 for the first year, then ~$399 (check current).
• Downside: Not all merchants accept Amex, so you’ll likely need a Visa/Mastercard backup.

2. Qantas Business Rewards (Qantas Money)

Best for: Earning Qantas Points directly

• If your business is all about Qantas status credits and points, this is a top pick.
• Earn Qantas Points, and you can also nominate a Qantas Business Rewards member to pool points.
• Points don’t expire as long as your business account stays active.
• Integrates well with Qantas Business Rewards for discounted flights and business perks.
• Available as a Visa or Mastercard, so it’s accepted almost everywhere.
• Annual fees vary ($349–$449 depending on product).
• No international transaction fees on some tiers — a big plus for importers.

---

Best cards with a major bank

3. Commonwealth Bank Business Platinum

Best for: Businesses already banking with CommBank

• One of the most widely used bank-issued business cards.
• Earns CBA Rewards points, which can convert to Virgin Australia Velocity points or Qantas Points.
• Includes travel insurance, purchase protection, and extended warranty.
• Often comes with fee waivers or discounts for CommBank business customers.
• Works seamlessly with CommBank’s app and accounting/tax reporting.
• Annual fee is around $299 (often waived for the first year).

4. Westpac Altitude Business Black

Best for: Premium travel perks + frequent flyer flexibility

• Earns Altitude Rewards points which convert to Qantas, Velocity, Singapore Airlines KrisFlyer, and more.
• Includes complimentary lounge passes, travel insurance, and concierge.
• Popular with mid-sized businesses that travel regularly.
• Comes with a Mastercard (and optional Amex card) — good acceptance.
• Annual fee around $450, but first-year waivers are common.

5. NAB Business Platinum

Best for: NAB customers who want simple rewards

• Earns NAB Rewards points, convertible to Qantas or Velocity.
• Strong app integration with NAB business banking.
• Usually comes with a complimentary second card for an employee.
• Annual fee around $295 (check for discounts).
• Beneficial for businesses that want one card to control company spending.

6. ANZ Business Black

Best for: Businesses wanting flexible earning and strong travel benefits

• Earns ANZ Rewards Business points.
• Converts to Qantas Frequent Flyer or Velocity.
• Includes travel insurance, lounge access (2 visits per year), and a $200 travel credit annually (conditions apply).
• Annual fee around $350–$400.
• A solid card for larger SMEs, and ANZ often runs sign-up bonus offers (e.g., 100,000+ bonus points).

---

Low-cost / no-fee options people actually use

7. Bankwest Breeze Business Mastercard

Best for: No annual fee, simple card

• $0 annual fee (lifetime).
• No rewards, but good interest-free days (up to 55 days) and straightforward cash-flow management.
• Popular with startups, sole traders, and businesses that don’t want points complexity.

8. Bendigo Bank Business Visa

Best for: Regional businesses / customer service

• No-frills card with low fees and no rewards.
• Backed by a customer-owned bank.
• Good if you want personal service and transparent pricing.

9. HSBC Business Everyday Global Account + Visa Debit

Best for: Low fees and international transactions

• Not technically a credit card, but many small businesses use HSBC’s business Visa Debit as their primary payment card.
• No monthly account fees, no international transaction fees, and you can hold multiple currencies.
• More of a debit card, but a very popular business payment tool.

---

What about Diners Club? (rarely recommended)

Diners Club is accepted in Australia but has limited merchant coverage. It’s not a top pick for most businesses unless you travel heavily and want lounge access. Most people skip it.

---

Which one should you choose?

Quick tips

• Check your merchant acceptance first — if many suppliers don’t take Amex, a Visa/Mastercard is your main card.
• Look for sign-up bonuses — banks and Amex often run big bonus point offers (100k+ Qantas points) for new business customers.
• Pay the balance in full — business credit card interest rates are generally high (15%–25% p.a.), so don’t carry a balance unless absolutely necessary.
• Track employee spending — most business cards let you issue supplementary cards with individual limits, which helps with accounting.

If you want the most

Let me get more details from the top comparison sites.Now gathering a few more specifics on key products and user preferences.The best business credit cards in Australia depend on your priorities—maximising rewards/points (especially if you pay the balance in full monthly), keeping costs low (if you carry a balance), cash flow/interest-free days, employee cards, or acceptance. No single card wins for everyone, but American Express dominates rewards and frequent flyer categories, while the Big 4 banks (CommBank, ANZ, NAB, Westpac) and Westpac Group (St.George, Bank of Melbourne, BankSA) lead for low-cost and everyday usability.

People actually use a mix: Amex for high earn rates and perks (often paired with a Visa/Mastercard backup because Amex isn’t accepted everywhere), Big 4 cards for wider acceptance and integration with existing banking, and Qantas-linked cards for travel value. Fees are generally tax-deductible for genuine business use. Many premium Amex cards require an ABN and minimum revenue (often around $75k). Always check current offers, eligibility, and T&Cs, as bonuses change frequently. Compare on sites like Canstar, Finder, or Money.com.au.

Top Picks by Category (as of recent 2026 data)

Best overall for high rewards / points earners (pay in full monthly)

• American Express Platinum Business Card: Standout for points. Up to 2.25 Membership Rewards points per $1 on eligible spend, massive sign-up bonuses (e.g., 350,000 points + credits with min spend), up to 55 interest-free days, complimentary lounge access (extensive network), travel insurance, and free additional cards (up to 99). Annual fee around $1,750. Charge card style (pay in full). Ideal for high spenders who value travel/perks. High FX fees and Amex acceptance limits are downsides.
• American Express Business Gold Plus Card: Strong mid-tier option. Up to 1.5 points per $1 (boosted on some business categories like software/ads), big bonuses (e.g., 250,000 points), ~$395 fee, good insurance and free employee cards. Excellent value for rewards without the Platinum price.

Best for Qantas Points (highly popular with Australian businesses)

• American Express Qantas Business Rewards Card: Direct Qantas Points (up to 1.25 per $1 everyday, higher on Qantas spend), bonuses like 150,000 points + Travel Fund credit (with min spend), ~$450 fee, lounge invitations, insurance, free employee cards. Frequently recommended and promoted. Charge card elements.
• ANZ Qantas Business Rewards: Solid Visa/MC alternative for wider acceptance. Bonuses up to 150,000 Qantas Points, ~$300 fee, uncapped earning in some cases, insurance. Good Canstar recognition in frequent flyer/rewards.
• NAB Qantas Business Signature (and similar NAB Rewards options): Competitive bonuses (sometimes 150k–200k+), reasonable fees (~$175–$295), strong earn rates in some categories. Often wins or places highly in Finder awards for frequent flyer business cards.

Other strong rewards options

• ANZ Business Black: Flexible ANZ Rewards points (transferable), bonuses, concierge, ~$300 fee.
• Westpac Altitude Business (Gold/Platinum) or BusinessChoice Rewards: Points that can link to Qantas or other options; Westpac Group cards are widely used.
• Amex Velocity Business Card: For Virgin Australia points (bonuses ~150k + status credits, lower ~$249 fee).
• CommBank Business Awards (including Platinum): Flexible points, integration with CommBank, fees from ~$100.

Reddit/AusFinance users often favour Qantas over Velocity for better redemption value on flights and pair Amex with a Mastercard/Visa (e.g., Westpac or ANZ) for full acceptance. Some double-dip with tools like pay.com.au.

Best low-cost / low-rate (if you carry a balance or want no-frills)
Canstar’s Outstanding Value Low Cost winners include Commonwealth Bank, St.George (incl. Bank of Melbourne/BankSA), and Westpac.

• CommBank Business Low Rate Credit Card: $0 annual fee, purchase rate around 14.55% p.a., simple, free extra cards in some setups, easy online management. Popular no-frills choice; min limit low.
• Bank of Melbourne / St.George / BankSA Business Vantage or Amplify options: Very competitive low rates (examples around 9.99%–low teens in some cases) and low/no first-year fees.
• NAB Low Rate Business Card or ANZ Business Low Rate: Low/no first-year fees (then modest), competitive rates, good controls.
• Westpac low-rate or Everyday options: Solid rates and features.

These prioritise cash flow over points. Look for high interest-free days (up to 55) if timing payments matters.

Other notables people use

• Airwallex or similar multi-currency corporate cards: Great for international businesses (low/no FX fees, expense controls, integrations with Xero etc.), though not always traditional revolving credit with rewards.
• Bendigo Bank Qantas or basic business cards for simpler/regional needs.

Key Factors When Choosing

• Spending habits: High volume + pay in full → rewards (Amex/Qantas). Revolving balance → lowest rate/fee.
• Acceptance & backups: Amex needs a Visa/Mastercard companion.
• Employee cards & controls: Most premium cards offer free or low-cost extras with spend limits/reporting.
• Interest-free days, FX fees, insurance, lounges: Premium Amex/ANZ excel here.
• Points value: Qantas is preferred by many Aussies; Membership Rewards are flexible (transfer to partners). Calculate effective value after fees.
• Eligibility & limits: ABN usually required; credit limits based on business finances. Revenue thresholds for some Amex.
• Tax & accounting: Deduct fees/interest where eligible; good integration with Xero/QuickBooks helps.

What people actually use day-to-day: Amex Platinum/Qantas Business or Gold for points chasers and travellers; Big 4 low-rate or rewards cards (especially CommBank, ANZ, NAB, Westpac) for reliability, apps, and acceptance; combinations are common. Average business spend on cards is substantial (tens of thousands monthly across accounts).

Offers, rates, and bonuses change often—check the issuer sites, Canstar, Finder, Money.com.au, or Point Hacks for the latest, and consider your specific spend categories, travel needs, and whether you’ll pay in full. Speak to your accountant or a broker for personalised advice, and review Product Disclosure Statements. If your business is international or has complex expenses, multi-currency options or expense platforms can complement a traditional card.

Top business credit cards in Australia are dominated by American Express for rewards and frequent flyer points, while major banks like NAB, Westpac, and ANZ offer strong options for Visa/Mastercard acceptance and low-cost solutions.

Premium Rewards and Frequent Flyer Cards

American Express Platinum Business Card – This card offers up to 2.25 Membership Rewards points per dollar on eligible purchases, plus a 350,000 point sign-up bonus for new members. It is ideal for high-spending businesses ($150,000+ per year) seeking premium travel benefits such as airport lounge access and hotel status. Note the annual fee of $1,750, with up to 99 employee cards included at no extra cost Money.com.au+1.

American Express Business Gold Plus Card – Suited for SMEs spending on digital services like Xero, Google Ads, Meta, or AWS, offering accelerated points up to 3 points per dollar on these essential business tools and 1.5 points per dollar on general spend. The annual fee is $395 and includes two employee cards for free, with additional cards at $75 each.

American Express Qantas Business Rewards Card – A charge card designed for business travelers, earning 1.25 Qantas Points per dollar and 2 points per dollar on Qantas products. A large sign-up bonus of 170,000 points is available. Remember, as a charge card, the balance must be paid in full each month; it does not offer interest-free revolving credit.

High-Value Bank Cards

Westpac Altitude Business Platinum Mastercard – Offers 2 Altitude Rewards points per dollar, transferable to Qantas, Velocity, and other frequent flyer programs, with a $250 annual fee. Great for businesses seeking points flexibility across multiple airline partners.

NAB Business Signature Card – Best for businesses preferring Visa acceptance and existing NAB banking integration. Earn rate is roughly 1 Qantas Point per $1.50 spent, with a $295 annual fee. Signup bonus: 150,000 Qantas Points with eligible spend.

ANZ Business Black Credit Card – Offers competitive rewards with options for ANZ Rewards or Qantas Points. Ideal for premium cardholders already banking with ANZ, including insurance benefits and some lounge access.

Low-Fee or Low-Interest Options

Bank of Melbourne Business Vantage Visa – Recommended for low ongoing purchase rates (55 interest-free days) and a $55 annual fee, suitable for businesses prioritizing cashflow management over rewards Money.com.au.

CommBank Business Low Rate Credit Card – Offers a no annual fee option with standard features suitable for cost-conscious businesses seeking a simple card Money.com.au.

Fintech Alternatives for International Transactions

Airwallex Business Card – Multi-currency virtual Visa cards, no foreign transaction fees, great for businesses making international payments or handling SaaS subscriptions. No rewards points; geared toward efficiency and cashflow flexibility.

Wise Business Card – No ongoing annual fee, uses mid-market exchange rates with transparent fees, ideal for small to medium companies managing frequent international transactions.

Choosing the Right Card

High domestic spend: Amex Platinum or Business Gold Plus for maximum points, or Qantas Business Rewards for airline points. International spend: Airwallex or Wise complementing a domestic credit card. Ubiquitous Visa/Mastercard acceptance: NAB Signature or Westpac Altitude Platinum. Low spend (<$50,000/year): Consider low-fee or fintech cards where high annual fees are not justified. Employee cards: Amex allows up to 99 additional cards with strong spending controls; fintech providers also offer instant virtual card issuance.

Tip: Use these cards to separate business and personal expenses, maximize rewards, and take advantage of interest-free days to improve business cashflow while maintaining clear accounting compliance Money.com.au+1.