international travel insurance qantas

Qantas Travel Insurance

Our verdict: qantas travel insurance could be good if you need to protect your next trip, plus you could also earn some qantas points..

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Find a Qantas Travel Insurance policy

Check out this qantas deal, summary of qantas's international comprehensive policy, how does qantas travel insurance cover covid-19, what policies does qantas offer, here's a breakdown of qantas travel insurance features, standard features, optional add-on, how to make a qantas travel insurance claim, here's the bottom line about qantas travel insurance, frequently asked questions, compare your travel insurance quotes.

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• Qantas offers some cover for travel impacted by coronavirus. This includes if your trip is cancelled due to a coronavirus diagnosis, unexpected quarantine expenses and pet care services if your return home is delayed due to COVID-19.
• Qantas is one of the few brands that offers a $0 excess on domestic policies. This means if you need to make a claim on your trip in Australia, you won’t need to pay an excess.
• Qantas's policies aren't as flexible as you might need. With just a few options to choose from, you won't be able to tailor your policy as you would with other insurers.

Qantas Travel Insurance’s BIGGEST offer ever is on now

Table updated November 2023

Qantas covers a variety of coronavirus-related travel costs that should suit most travellers. The following are the key benefits covered:

• Overseas medical expenses if you get sick while on your trip.
• Medical evacuation and repatriation if it's medically necessary to relocate you for medical care.
• Coronavirus travel costs include cover for trip cancellation if you are diagnosed with coronavirus and quarantine expenses.

However, some exclusions do apply, including costs related to a broadly imposed government quarantine and travel to a region while there is a "Do Not Travel" warning .

Qantas has 2 single trip travel insurance policies to choose from: International Comprehensive and Australian Comprehensive. If you're planning more than one trip for the year, a Qantas Annual Multi Trip policy is also an option for trips in Australia and overseas.

International Comprehensive

Australian Comprehensive

Annual Multi Trip

Qantas Travel Insurance is underwritten by AIG Australia Limited. It comes with a cooling-off period of 21 days, which means you can cancel your policy within this period and Qantas will refund your premium, as long as you haven’t departed for your trip, and/or haven’t made a claim on your policy. An excess is the amount you need to pay when you make a claim. The standard excess on this policy is $100. An excess doesn’t apply for the Australian comprehensive policy.

Every travel insurance policy will have a list of insured events it will cover you for. While each type of policy will differ, the main benefits provided by Qantas Travel Insurance include the following:

• Accidental death
• Cancellation and additional expenses
• Loss of Qantas Points
• Loss of income
• Luggage and personal effects
• Overseas medical and dental expenses
• Missed connections
• Permanent disability
• Travel delay
• Rental vehicle insurance excess

For more flexibility, Qantas offers extra cover that might be worth adding on. These options attract an additional premium, but not having it when you need it, means you're not covered at all. For example, if you’re injured while skiing overseas, you won’t be covered for medical expenses unless you’ve purchased the snow sports cover option.

• Snow sports cover option . This is for when you’re hitting the slopes. It includes coverage for snow sports equipment if it is lost or stolen and cover for pre-paid ski costs such as a lift pass or lessons which you are unable to use due to a sickness, illness or injury.
• Specified medical conditions option . Qantas has a list of conditions that are automatically covered for overseas trips, but if you have an existing medical condition that is not automatically covered, you may be able to apply to have your existing medical condition/s covered as a Specified Medical Condition under this optional coverage by completing a medical assessment.

No two policies are the same, but there is always a list of scenarios where you won't be covered under your travel insurance. Qantas Travel Insurance will not cover you for any of the following:

• Cancellation of travel arrangements caused by or within the operational control of your public transport provider.
• Putting yourself in danger by your use of alcohol or drugs, unless the drugs have been prescribed by a medical practitioner
• Any condition that has been given a metastatic or terminal prognosis at the time of buying a policy and/or before commencing travel.
• Pregnancy if you’re more than 26 weeks pregnant at the start of or during your trip (including routine pre-natal care and childbirth)
• Self-inflicted injury
• Planned or actual travel to, or choosing to stay in, any country or region where there is a 'Do not travel' advisory
• Cyber attacks
• Insolvency or bankruptcy of a person, company or organization involved in your travel arrangements

This list isn't exhaustive, so make sure you review Qantas's PDS for a detailed breakdown of what is and isn't covered. These can be found under its list of general exclusions .

Qantas accepts claims 24 hours a day, 7 days a week and you can lodge a claim while you are still overseas or when you're back at home. You can download a claim form at https://travel.insurance.qantas.com/claim-form and return it via email at [email protected] or by post to:

Qantas Travel Insurance Claims AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008

It's strongly recommended you contact AIG Claims as soon as reasonably possible after the event. You should also have the following information available:

• Travel insurance policy number
• Proof of your travel dates (e.g. eTickets)
• Relevant credit card statements to show proof of purchase
• Any relevant documents to support your claim (e.g. police report)

Qantas Travel Insurance has a clear policy offering that makes it easy to understand what you are and are not covered for. Its inclusions are generous and include some important features like COVID-19 cover. Add on some attractive bonuses for Qantas Frequent Flyer members and you've got a solid option for your next holiday.

Where Qantas falls short is with its lack of flexibility in each of its policies. If what you need isn't included in its list of features, then you'll have to look elsewhere for the right cover.

Still not sure about Qantas? You can compare other travel insurance companies here to find the best option for your trip.

Can I add insurance to my flight after booking Qantas?

Yes, Qantas offers standalone travel insurance, so you can purchase a policy to go along with an upcoming Qantas flight or with any type of holiday you've got planned, regardless of carrier.

What company is the insurer for Qantas insurance?

Qantas Travel Insurance is underwritten by AIG Australia Limited.

Can I use my Qantas Points for travel insurance?

You can use points to purchase Qantas Travel Insurance only when it is obtained as part of a flight booking made on the Qantas website. You won't be able to use a mixture of points and cash to purchase your travel insurance.

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Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full profile

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is qantas comprehensive travel insurance A+++?

Thanks for your question. Most airlines add a commission on top of the price of each policy, which can means the policy may end up costing you more than if you went direct to the underwriter of the policy. Qantas is not currently one of the travel insurance brands in the Finder comparison panel.

If you would like to compare policies from the brands in our panel, please head to the travel insurance home page and enter your travel details.

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Travel insurance

Qantas International Comprehensive review

One trip policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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ANZ Qantas Business Rewards

Earn qantas points on business expenses disclaimer.

Accelerate your Qantas Points earning potential with uncapped points on everyday business expenses disclaimer and unlock even more value with Qantas Business Rewards. disclaimer 

when you spend $6,000 on eligible purchases in the first 3 months from approval of your new card. disclaimer

Apply online in 20 minutes through an encrypted, one-time connection to your accounting software. No application paperwork or need to visit a branch. 

How to apply

Limited time offer. New Card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card).

Get your ANZ Qantas Business Rewards card

Enjoy these benefits, enjoy uncapped qantas points.

• Earn 0.75 Qantas Points for every $1 up to and including $15,000*
• Earn 0.5 Qantas Points for every $1 over $15,000*, uncapped

*per statement period, eligible purchases only disclaimer

Help manage your cash flow with interest free days

With a buffer of up to 55 interest free days on eligible purchases, you can make your purchases now and pay your Closing Balance when your monthly statement is due. disclaimer

Qantas Business Rewards membership

ANZ Customers can enjoy a Qantas Business Rewards membership on us (usually $89.50) when they join using the link provided  here . disclaimer 

Complimentary travel insurance

Complimentary Domestic Travel Insurance disclaimer and International Travel Insurance. disclaimer

Unlock value with Qantas Business Rewards

Qantas Business Rewards is the loyalty program made for Australian small to medium businesses. Your business can save on flights and other business costs, while earning Qantas Points on a wide range of business expenses. disclaimer 

Not a member yet? ANZ customers can join for free when they join using the link provided  here. disclaimer 

Qantas Business Rewards Level 2 Advance

New and existing Level 1 Qantas Business Rewards Members can unlock the savings and enhanced flying benefits available to Qantas Business Rewards Level 2 members with an automatic upgrade for 12 months, when they apply and are approved for an ANZ Qantas Business Rewards card by 30 September 2024. disclaimer

Explore membership levels  

How you could use your Qantas Points

You could redeem your business' Qantas Points disclaimer for the following:

Flights for business

Use Qantas Points to book flights, as well as additional baggage and seat selection.

Book hotels

Use Qantas Points to add a little luxury to your next business trip.

Qantas Marketplace

Use Qantas Points to purchase new appliances for your business. Explore a range of products from leading brands in one place at Qantas Marketplace .

Important rates and fees

For details about all applicable fees & charges please refer to the   ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF)  and  ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) .

Get on top with the right card for your business

Keep track of business expenses.

• You'll receive simple monthly statements with transactions sorted by cardholder 
• Simplify your bookwork with handy  data feeds  to Xero™, MYOB®, Intuit QuickBooks® Online and many more accounting software providers
• Find out more  about how you can get on top of cash flow with your business card

Protect your business

• Unauthorised Transaction Insurance disclaimer insures your business against unauthorised card use for up to $37,500 per cardholder and $200,000 maximum for the total account, in any 12 month period
• Set monthly spend caps, transaction limits and merchant category controls for each cardholder

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24/7 access in 12 languages to: 

• Travel and destination information on where to entertain clients and staff
• Priority bookings for dining experiences
• Priority access and discounted tickets for trade shows, sporting and special events

Ways to apply 

Fast online application.

ANZ GoBiz is an online platform which securely connects with your accounting software to assess your financial data, giving you a decision in minutes.

GoBiz is suitable if your business:

• Uses Xero, MYOB or Inuit QuickBooks
• Has at least 6 months of reconciled financial data in AUD
• Operates under a registered ABN/ACN.
• Has been GST registered if annual turnover is $75,000 or more
• Has an annual turnover not exceeding $10m

Apply via ANZ GoBiz

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If you can't use ANZ GoBiz or just want to talk through your options, our expert business bankers are standing by to assist.

Just leave your details and we'll call you back within 1-2 business days.

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Questions about ANZ Qantas Business Rewards and membership

What is qantas business rewards.

Qantas Business Rewards is a loyalty program that connects Australian small to medium business with a range of services and products, allowing the business to earn Qantas Points on business expenses and unlock extra benefits when flying with Qantas. Qantas Points earned by your business are stored in your Qantas Business Rewards membership account.

Please visit Qantas Business Rewards for a full range of benefits.

Can I apply for the ANZ Qantas Business Rewards card if I’m not a Qantas Business Rewards member?

Yes, you can apply for this card. However, you must be a member of Qantas Business Rewards to earn Qantas Points with the ANZ Qantas Business Rewards card.

A one-off join fee of $89.50 including GST normally applies, however this will be waived for ANZ customers that join via qantas.com/anzqbr . Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions.

Can I change from one type of ANZ Business credit card to another?

Yes, you can change from one ANZ Business credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional new business card offers advertised on anz.com.au which are available for new business card applications only.   

To request a change of credit card, choose one of the following options.  

Online:  Log on to ANZ Internet Banking and select your credit card account  

Over the phone:  Call 1800 032 481 between 8am-6pm (AEST) Monday – Friday.

When registering for Qantas Business Rewards, it says that my ABN is already registered. Why is this appearing?

There can only be one registered Qantas Business Rewards membership account per ABN, therefore it may mean that the business has already been registered. 

Please use the request access button which appears online or call the Qantas Business Rewards Service Centre on 13 74 78 .

What is the Qantas Business Rewards Level 2 Advance Offer? 

This offer applies to customers who apply for and are approved for an ANZ Qantas Business Rewards card by 30 September 2024 and spend on their new ANZ Qantas Business Rewards card, have an active Qantas Business Rewards membership, and earn Qantas Points in their Qantas Business Rewards membership account from this spend by 30 November 2024.

Qualifying customers will be upgraded from a Qantas Business Rewards Level 1 membership to a Level 2 membership for a period of 12 months, plus any additional period until the member’s next Qantas Business Rewards membership anniversary (join date). Processing the upgrade can take up to 1 month from the first Qantas Points earn with the ANZ Qantas Business Rewards card.

At the end of the upgrade period the Qantas Business Rewards membership will revert to Level 1 unless the Qantas Business Rewards member otherwise qualifies for Level 2 or Level 3 in accordance with the Qantas Business Rewards Program Terms and Conditions .

For more information regarding the Qantas Business Rewards Program membership levels and the Program Benefits, please visit here . 

What happens if I (a) have not provided a Qantas Business Rewards membership number or (b) or provided an invalid Qantas Business Rewards membership number?

ANZ will not be able to credit the Qantas Points to your Qantas Business Rewards membership account if the Qantas Business Rewards membership number is not provided or an invalid Qantas Business Rewards membership number has been provided.

Once your valid Qantas Business Rewards membership number is provided to ANZ, Qantas Points will be credited to your Qantas Business Rewards membership account in your next statement period. This includes crediting any available Qantas Points earned before the correct Qantas Business Rewards membership number was provided to ANZ. 

Qantas Points will accrue at ANZ until a valid Qantas Business Rewards membership number that was registered with Qantas under the Qantas Business Rewards Program is provided.

If the ABN used for your credit card application does not match the ABN used for your Qantas Business Rewards membership, please call ANZ on 1800 362 579 to provide the correct Qantas Business Rewards membership number.

How can I update my Qantas Business Rewards membership number with ANZ?

To update your Qantas Business Rewards membership number, an authorised signatory must call 1800 362 579, 8am-6pm, AEST. Alternatively, ANZ Business One Maintenance Form must be completed.

Note: You must have an activated Qantas Business Rewards membership and provide your Qantas Business Rewards membership number to ANZ so that Qantas Points can be credited to your Qantas Business Rewards membership account. You can activate your Qantas Business Rewards membership here . 

Questions about Qantas Points

How do i check my qantas points balance .

You can check your Qantas Points balance and activity by logging into your Qantas Business Rewards membership account where you can view:

• Your monthly Qantas Points activity from the transactions on your ANZ Qantas Business Rewards card
• The total number of Qantas Points available for redemption.

Who receives Qantas Points earned on my ANZ Qantas Business Rewards card?

All Qantas Points earned on eligible card spend are awarded to the Principal. Points earned on card spend will not be awarded to individual cardholders. Points can however be transferred to any eligible Qantas Frequent Flyer account by an authorised user of the Qantas Business Rewards membership.

Once Qantas Points are credited to the Principal’s Qantas Business Rewards membership account, they are subject to the Qantas Business Rewards Terms and Conditions and can be transferred in accordance with those terms and conditions. 

When will my Qantas Points appear on my Qantas Business Rewards membership account?

The points are automatically credited to the nominated Qantas Business Rewards membership account after each statement period every month once we have an activated valid Qantas Business Rewards membership number registered with ANZ.

For further information, see ANZ Qantas Business Rewards Terms and Conditions .

Do Qantas Points expire?

Once your Qantas Points are credited to your Qantas Business Rewards membership account, they are subject to the Qantas Business Rewards Terms and Conditions . 

I made an eligible purchase using my ANZ Qantas Business Rewards card but cannot see the Qantas Points on my ANZ statement of account.

Requests for missing Qantas Points must be notified to ANZ within 90 days after the relevant transaction has appeared on the Principal’s statement of account. Your request will be investigated by ANZ. ANZ will notify you of the outcome of its investigation. 

To lodge a request:

• Option 1: Within ANZ Internet Banking or ANZ Internet Banking for Business , choose 'Lodge a transaction dispute' from your credit card's Account overview and follow the steps.
• Option 2: Complete the interactive Card Transaction Dispute (PDF 1MB) * form, and follow the instructions to send your dispute to us.
• Option 3: If you can't access the form, call us on 13 22 73 (or +61 3 9683 9999  from overseas).

How do the Qantas Points earned with the ANZ Qantas Business Rewards card differ from ANZ Business Rewards program’s points? 

The ANZ Qantas Business Rewards card earns Qantas Points not ANZ Business Reward Points.

The Qantas Points are credited directly into your Qantas Business Rewards membership account each statement period. You must be a Qantas Business Rewards member to earn Qantas Points with the ANZ Qantas Business Rewards Card. Please visit Qantas Business Rewards for a full range of benefits.

ANZ Business Reward Points can be used for a variety of frequent flyer programs, gift cards, vouchers or other rewards from leading retailers. Please visit www.businessrewards.anz.com  for more information.

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Important information

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF)  before acquiring the product.

Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions ,  Fees and charges and eligibility criteria apply.

We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.

ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) apply.

Qantas Points and Bonus Qantas Points are earned in accordance with the ANZ Qantas Business Rewards Terms & Conditions . Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Qantas Business Rewards Terms & Conditions . The Principal must be a member of the Qantas Business Rewards Program to earn Qantas Points in connection with the ANZ Qantas Business Rewards Card. All Qantas Points earned on eligible Card spend will be awarded to the Principal. Points will not be awarded to individual Cardholders. 

A business must be a Qantas Business Rewards Member to earn and redeem Qantas Points with an ANZ Qantas Business Rewards Card.  A one-off join fee of $89.50 including GST normally applies, however this will be waived for ANZ customers that join via qantas.com/anzqbr . 

Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at qantas/qbr/terms . Please visit  qantas.com/anzqbr  to join Qantas Business Rewards.

Offer available to new and approved applicants who apply for a new ANZ Qantas Business Rewards account. This is a limited time offer, which may be terminated, withdrawn or varied by ANZ at any time without prior notice. This offer applies only once per new ANZ Qantas Business Rewards account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding an additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Qantas Business Rewards account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 130,000 bonus Qantas Points. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Qantas Business Rewards Terms & Conditions (PDF) . The 130,000 bonus Qantas Points will be credited to the Qantas Business Rewards member account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Qantas Business Rewards account before the bonus Qantas Points are processed to your Qantas Business Rewards member account, you may become ineligible for this offer. If any repayments are overdue before the 130,000 Bonus Qantas Points are processed to your membership, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.

Interest free days do not apply if you do not pay your Closing Balance in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) .

Complimentary credit card insurance covers provided are part of a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708 to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and the ANZ Business Black and ANZ Qantas Business Rewards Complimentary Travel Insurance Policy Information Booklet (PDF)  as applicable which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Offer applies to customers who apply for and are approved for an ANZ Qantas Business Rewards card by 30 September 2024 and spend on their new ANZ Qantas Business Rewards card, have an active Qantas Business Rewards membership and earn Qantas Points in their Qantas Business Rewards member account from this spend by 30 November 2024. Offer period may be extended subject to ANZ's discretion.

Qualifying customers will be upgraded from a Qantas Business Rewards Level 1 membership to a Level 2 membership for a period of 12 months, plus any additional period until the member’s next Qantas Business Rewards membership anniversary (join date).  Processing the upgrade can take up to 1 month from the first ANZ Qantas Business Rewards points earn to reflect in the customer’s Qantas Business Rewards member account.  At the end of the upgrade period the Qantas Business Rewards Membership will revert to Level 1 unless the Qantas Business Rewards member otherwise qualifies for Level 2 or Level 3 in accordance with the Qantas Business Rewards Program Terms and Conditions .

Existing Qantas Business Rewards members who hold a Level 2 or 3 membership at the time of their first Qantas Points earned from spend on the ANZ Qantas Business Rewards card, are not eligible for the Level 2 Advance Offer.

Level 2 Advance Offer and the program benefits available for Level 2 Qantas Business Rewards Members  are subject to the Qantas Business Rewards Program Terms & Conditions , as amended from time to time. For more information regarding the Qantas Business Rewards Program membership levels and the Program Benefits, please visit here.

Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. Refer to ANZ Qantas Business Rewards Terms & Conditions for details on earning and redeeming Qantas Points

Standard variable interest rate as at  and is subject to change.

The Annual Fee is current as at today’s date and is subject to change. Please refer to the  ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) for details about all applicable fees and charges.

The Rewards Fee is current as at today’s date and is subject to change. Please refer to the  ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) for details about all applicable fees and charges.

Terms and Conditions apply to use of the ANZ Global Business Concierge. Visit  ANZ Global Business Concierge Terms and Conditions (PDF) to view the full terms.