Terms and Conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. View the full Fee Schedule for the American Express Velocity Business Card. Refer to American Express Australia Limited's website for details. You should consider if the Card is suitable for you before applying. All information is correct as at 15 July 2025 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085), ®Registered Trademark of American Express Company.  

*150,000 bonus Velocity Points: Offer only available to new American Express Card Members who apply by 7 October 2025, are approved and spend $5,000 on eligible purchases on their new Card in the first two (2) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques, and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 150,000 bonus Velocity Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. $249 annual Card fee applies. Velocity membership and Points earn and redemption are subject to the American Express Velocity Business Card Points Terms and Conditions. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

1. This Charge Card, and the following benefit is provided by American Express Australia Limited (American Express) subject to their terms and conditions, see here for more details. Flexible Spending Power: Unless we tell you otherwise, your American Express Charge card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments. 

2. This Charge Card, and the following benefit is provided by American Express Australia Limited (American Express) subject to their terms and conditions, see here for more details. Up to 51 days to pay for purchases: Depending upon when you make a purchase, when your statement is issued by American Express and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed by American Express 10 days after your statement is issued. 

3. 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 Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. 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. 

4. AccessLine: This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply

Card Members may only participate in the Program if their Company chooses to enrol their Card Account in the Program, subject to our approval.

AccessLine® payments are arranged through American Express Australia Limited (ABN 92 108 952 085) and American Express International, Inc. (ABN 15 000 618 208) incorporated with limited liability in Delaware, USA. ® Trademark of American Express Company. © 2024 American Express Company. All rights reserved.

5. 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 Velocity Business 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 American Express Velocity 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.

~Earning Points with Virgin Australia Business Flyer: Virgin Australia Business Flyer Members can earn up to 1,000,000 Points from completed travel on eligible flights marketed and operated by Virgin Australia or marketed by Virgin Australia and operated by eligible airline partners, per annum, based on the rolling 12 month period from when the Member joins Virgin Australia Business Flyer. Points aren’t earned on certain fees, taxes, or charges. Virgin Australia Business Flyer Terms and Conditions apply.

6. United Airlines Business Discounts (UA Business Discounts): As at 1 November 2023, the following discounts apply to the United Airlines and Virgin Australia base fares (which excludes fees, carrier charges and taxes) of Virgin Australia marketed and United Airlines operated flights (with a VA flight number) booked by Virgin Australia Business Flyer members (Members), which may change without notice:

Business Fares:
VA Fare Class J, C and D: 10%

Economy Fares:
VA Fare Classes Y, B, W, H, K and L: 10%
VA Fare Classes R and E: 5%

Please check the Virgin Australia Business Flyer website for current discount levels. UA Business Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process these UA Business Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team businessflyer@virginaustralia.com.

UA Business Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares, unless otherwise stated. UA Business Discounts do not apply to any bookings made via the Virgin Australia conference and group travel area, sale fares or other tactical fares offered from time to time, and bookings for children and infants. If you have any questions regarding the application of UA Business Discounts, please contact the Virgin Australia Business Flyer team. Virgin Australia Business Flyer Terms and Conditions apply.

7. Fare advantage discounts: The Fare Advantage Discount of 4% applies to Flex fares (L, K, H, W, B, Y class) operated and marketed by Virgin Australia and 6% applies to Business Class fares (D, C, J class) operated and marketed by Virgin Australia, and is available to Virgin Australia Business Flyer members. The Fare Advantage Discount levels are subject to change without notice. Please check our website for current discount levels.  Fare Advantage Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered self-ticketing Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process Fare Advantage Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team at businessflyer@virginaustralia.com.  Fare Advantage Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares. Fare Advantage discounts do not apply to any bookings made via the Virgin Australia conference and group travel area, sale fares or other tactical fares offered from time to time, and bookings for children and infants. If you have any questions regarding the application of Fare Advantage Discounts, please contact the Virgin Australia Business Flyer team.  Virgin Australia Business Flyer Terms and Conditions  apply. 

8. Thrifty Car Hire Discount: Virgin Australia Business Flyer members will receive the following benefit from Thrifty on all bookings made via the Thrifty booking portal within the Virgin Australia Business Flyer Rewards Portal or the Virgin Australia Business Flyer Booking Portal: a discount of 15-18% off the best base rate of the day on  www.Thrifty.com.au (that is, the rates on the Thrifty booking portal accessed via the Virgin Australia Business Flyer Rewards Portal or the Virgin Australia Business Flyer Booking Portal). The Thrifty Virgin Australia Business Flyer benefits and Points earn offers may change without notice and are subject to the Thrifty Business Partner Terms and Conditions as amended from time to time and Virgin Australia Business Flyer and Velocity Terms and Conditions as amended from time to time.

9. Points Transfer: Virgin Australia Business Flyer Account Administrators can transfer Points earned by the Virgin Australia Business Flyer member to a Velocity Frequent Flyer member, provided that (a) there is a minimum of 3,000 Points per transfer; and (b) the Velocity Frequent Flyer member transferee is directly employed or contracted by the Virgin Australia Business Flyer member. 

10. Pilot Gold: A new Virgin Australia Business Flyer member is eligible to receive two three-month Velocity Pilot Gold Memberships if, within the first three months of becoming a Virgin Australia Business Flyer member, it books and completes at least $2,000 of eligible travel (excluding taxes, fees and charges). For more information, please visit our website at https://virginaustralia.com/businessflyer. Virgin Australia Business Flyer Terms and Conditions and Velocity membership Terms and Conditions apply.