Business Employee Cards
Manage your Business spend on one Account
Business Employee Cards
Manage your business spend on one account
*The below products are eligible for Employee Cards only.
Business Employee Cards
Manage your business
spend on one account
Business Employee Cards
Manage your business
spend on one account
*The below products are eligible for Employee Cards only.
The power of Employee Cards
Employee Cards enable small business owners to empower their teams while maintaining control over expenses anytime, anywhere.
Our Employee Cards are packed with great features to help businesses streamline business spend, while enabling you to earn more rewards.
Earn points on more purchases
Employee Cards earn points at the same
rate as your Primary Card (if enrolled).
More Cards = more points.1
Manage expenses on the go
View, track and repay employee spend
through your Online Account or the
Amex®App.
See important numbers clearly
Make clearer decisions on cash flow
with a consolidated, real-time view of
your Business outgoings.
Control Employee Spend
Feel confident knowing you have full visibility
of employee expenses. If you have a Charge Card,
you also have the option to lock Cards when needed.8
Set spend limits
If you have a Charge Card, you can determine the spending
capacity within your approved limit of each employee Card
to suit your Business needs.8
Add an Employee Card
in 3 easy steps
Select your Card and have your applicant details ready.
Click Apply Now to start your application.
Complete and submit your application. If we need more information, we’ll be in contact.
Choose a Card to get started
The Card you choose must correspond with your Primary Card.
The American Express®
Platinum Business Employee Card
- $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards)2
- Complimentary Platinum Travel Insurance3
- Access to hundreds of airport lounges worldwide with The American Express Global Lounge Collection®4
- Set spending limits and lock Cards with Employee Card controls.8
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express® Business Gold Plus Employee Card (for Cards acquired on, or after, September 18 2024)
- Up to two Employee Cards at no extra cost. (Each Additional Employee Card has an annual fee of $75 for up to 99 Cards (this limit includes both active and cancelled Employee Cards)2.
All Employee Card Members will receive the standard recycled plastic Card.
- Travel Inconvenience Cover and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Fraud Protection Guarantee5
- Set spending limits and lock Cards with Employee Card controls8
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express® Gold Business Employee Card
- $119 annual Employee Card fee per Card for up to 99 Cards (this limit includes both active and cancelled Employee Cards)2
- Travel Inconvenience Cover and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Fraud Protection Guarantee5
- Set spending limits and lock Cards with Employee Card controls.8
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express Business Explorer® Employee Credit Card
- $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards)2
- Travel Inconvenience Cover and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Fraud Protection Guarantee.5
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express® Qantas Business Rewards Employee Card
- $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards)2
- Travel Inconvenience Cover and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Set spending limits and lock Cards with Employee Card controls.8
- Earn Qantas Points on Employee Card spend.9
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express®
Business Employee Card
- $79 annual Employee Card fee per Card for up to 99 Cards (this limit includes both active and cancelled Employee Cards)2
- Emergency Card Replacement11 and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Fraud Protection Guarantee5
- Set spending limits and lock Cards with Employee Card controls8.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express’
Business Employee Card(for Cards acquired on, or after, 11 August 2022)
- One Employee Card at no extra cost. Each Additional Employee Card has an annual fee of $79 for up to 99 cards (this limit includes both active and cancelled Employee Cards)2
- Emergency Card Replacement11 and Public Transport Accident Cover when you use your card to book and pay for your return trip6
- Fraud Protection Guarantee5
- Set spending limits and lock Cards with Employee Card controls8.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express® Velocity Business Employee Card
- $99 annual Employee Card fee per Card for up to 99 Cards (this limit includes both active and cancelled Employee Cards)5
- Travel Inconvenience Cover and Public Transport Accident Cover when you use your Card to book and pay for your return trip6
- Set spending limits and lock Cards with Employee Card controls.8
- Earn Velocity Points on Employee Card spend10
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The Qantas American Express® Business Employee Credit Card
- $0 annual Employee Card fee for up to 99 Cards (this limit includes both active and cancelled Employee Cards)2
- Travel Inconvenience Cover when you use your Card to book and pay for your return trip.6
- Earn Qantas Points on Employee Card spend.12
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
The American Express® Business Accelerator Employee Credit Card
- $0 annual Employee Card fee for up to 99 Cards (this limit includes both active and cancelled Employee Cards)2
- Emergency Card Replacement11 and Fraud Protection7
Manage employee spend,
no matter where it happens
See how an Employee Card can help bring your Business greater control over the important numbers.
FAQs
No – you can only apply for the same Employee Card as your Primary Card. For example, if you hold a Platinum Business Card, you can only apply for a Platinum Business Employee Card.
Charges made are the responsibility of the Primary Business Card Member and the Business. Charges will be billed to the Primary Card Member’s Account.
1. What is Employee Card Liability?
As of 1st August 2023, the Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card.
2. What does this mean for the Primary Card Member?
The Primary Card Member will be the sole signatory required to authorize the Employee Card application, enabling a more streamlined process.
3. What does this mean for the Employee Card Member?
The Employee Card Member must continue to comply with the Terms and Conditions of their Employee Card.
4. As the Primary Card Holder, what can I do to ensure the security of my Employee Card/s?
We want the Primary Card Member and their Business to continue to feel confident with their Account(s). There are two ways for the Primary Card Members, who hold an American Express Business Charge Card, to control the spend on their Employee Cards:
Set Spend Limits
Determine the spending capacity within your approved limit of each Employee Card to suit your business needs8.
Lock Cards:
Feel confident knowing you have full visibility of employee expenses with the option to lock Employee Cards when needed8.
For Primary Card Members who hold an American Express Business Credit Card or an American Express Business Charge Card, they will have full visibility over all expenses on their Employee Card/s in a consolidated, real-time view through their Online Account or Amex App.
5. What do I do if there are issues with the charges and/or fees on my Employee Card?
The Primary Card Member and the Business will be liable for all charges and fees incurred on their Employee Cards. The Primary Card holder must continue to pay for all fees and charges as per the statement by the due date.
If any issues arise, please contact the number on the back of your Card for further assistance.
As the Primary Card Member, you can do this anytime via your Online Account, your monthly statement or by calling the number on the back of your Card.
As the Primary Card Member, you will have all points earned from an Employee Card directly credited to your Account. For American Express rewards Card Members, you must be enrolled in the Membership Rewards customer loyalty program.
Once an application is approved, the Employee Card will be delivered via post to the Primary Card Member within 7 business days. It will then need to be activated by the Employee Card Member using the instructions on the back of it.
Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia.
1. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions.
2. 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.
3. Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Business Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
4. For Platinum Business Charge Card Members:
The American Express Global Lounge Collection
Please note, some lounges may require you to present your physical Platinum Card to gain entry into their lounges. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards.
The Centurion® Lounge. Platinum Card Members have complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight and present The Centurion Lounge agent with the following upon each visit: their valid Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorize our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
The Centurion Lounge – Sydney & Melbourne, Australia: Guest access policies for The Centurion Lounges in Sydney and Melbourne, Australia may vary to the Global Lounge Collection terms. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge
Escape Lounges – The Centurion® Studio Partner. This benefit is available to the Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.
Delta Sky Club.
Effective January 1, 2024:
Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.
This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight's scheduled departure time. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight. Guest access and fees subject to terms and conditions of participating airport clubs.
For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.
Plaza Premium Lounges. This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.
Virgin Australia. Access is complimentary for Primary Platinum Card Member and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card and boarding pass must be presented. The Platinum Card Member and guest must present their physical valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. This benefit is subject to change.
Lufthansa. This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their valid Platinum, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.
For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.
Priority Pass™ - Platinum Business and Corporate Charge Cards. This benefit is available to Platinum Business and Corporate Charge Card Members. Platinum Card Members and one Employee Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you will be charged the prevailing retail rate for any guests. Some lounges do not admit guests. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.
Additional Global Lounge Collection Partner Lounges. American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge.
5. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.
6. Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
7. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, call us on +612 9271 8666. Once you have notified us, you are not liable for any unauthorised charges.
8. You may limit the total dollar amount that your Employee Card Member(s) can spend during each billing period on your Card Account. Employee Card Limit Management does not apply to American Express Explorer Credit Card, American Express Business Accelerator Credit Card, Qantas American Express Business Credit Card or American Express Platinum Credit Card products. Unless otherwise specified in the full Employee Card Limit Management Terms and Conditions, the maximum amount your Employee Card Member(s) can spend within a billing period will be the spending limit you assign to the Employee Card Member(s). When you initially set a spending limit for your Employee Card Member(s) or after you unlock an Employee Card, any transactions made on the Employee Card prior to setting the spending limit or unlocking the Employee Card will not be included in the spending limit you set. Please read the full Employee Card Limit Management Terms and Conditions before using the Employee Card Member Limit Management functionality.
9. 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 and fees and charges for 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. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. 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. There may be tax implications associated with participation in the Rewards program. You are advised to check with your accountant or tax adviser for further information.
*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. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. 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.
10. Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances and fees and charges for foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions available here. The earn rate of 2 Velocity Points per $1 spent on Virgin Australia only applies to purchases made in Australia. You will earn 0.5 points per $1 spent at participating merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate.
11. Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
12. You must be a member of the Qantas Frequent Flyer Program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer Program available at qantas.com/terms. Points are earned in accordance with and subject to the Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs, and exclusions apply. Your business will earn 1 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for 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. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on selected Qantas Products and Services. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant Account i.e. directly from Qantas, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products. Subject to Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs.