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American Express Business Card

The American Express Business Card combines the benefits of a credit card with the security of a charge card. You’ll earn rewards points for your purchases plus enjoy the convenience of spending with Chip, PIN and Contactless payments for your business. As a charge card, there is no pre-set spending limit and no interest charges on waht you spend though you will need to clear the monthly balance in full by the due date.

  • Rewards for your Business spending - Earn up to 1 Membership Rewards point per $1 spent
  • No pre-set spending - providing greater flexibility
  • Up to 51 days interest fre days - Extend your cash flow
  • Payment Options - Cards are Chip, PIN and Contactless enabled providing enhanced security, speed and convenience when making a purchase
  • Easy access to your statements - Track your business expenditure by downloading your statements, balances and transaction details through Quicken, MYOB or Microsoft Excel
  • Card replacement - Have your card replaced wherever you are, anywhere in the world using the American Express global network of offices
  • Monthly statements - Your monthly statements will include a breakdown of the GST included in the charge for most transactions

Earning Points

  • 1 point per $1 spent on all other purchases, except those listed in 0.5 points
  • 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies
  • No cap on points Your Membership Rewards points are not capped and they don't expire, so you can enjoy more points for longer

Spending your Points

  • Transfer points to any of our 9 airline rewards partners including Singapore, Emirates and Virgin and Ethiad leading frequent guest partner programs including Asia Miles and Velocity
  • Use your points to shop online at or choose from a range of Gift Card partners
  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit or select individual transactions on your online statement
  • Redeem your points instantly in store with Harvey World Travel or redeem your points for foreign currency
Credit Card Details
Provider American Express
Prestige Level Standard
Credit Card Type American Express
Instant Approval No
Standard Rates
Purchase Rate -
Cash Advance Rate -
Interest Charged From -
Interest Free Period Up to 51 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer No
Offer end date -
Rewards Program Membership Rewards Ascent program
Rewards Points 1 point per $1 spent on all other purchases, except those listed in 0.5 points 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies. Uncapped Points which never expire.
Acceptance Criteria
Age to Apply 18
Min. Income $24,000
Residency Australia
Temporary residents No
Min. Credit Limit -
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $109
Over Limit Fee -
Duplicate Statement fee -
Late Payment Fee -
Min. Monthly Repayment % -
Max. Credit Limit -
Cash advance fee -
Additional card holder fee $79
Travel & Insurance
Foreign currency conversion fee -
Overseas atm withdrawal fee -
Complimentary travel insurance Travel Accident Cover

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  • 1

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  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.