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How to earn Qantas Points or BP Points on fuel and in-store purchases at bp [2026]

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Fuel purchases are one of the easiest and most lucrative ways to earn loyalty points in Australia.

Most households spend a considerable amount on fuel, and over time the points earned on that spend can really add up, leading to valuable rewards.

BP Rewards is a flexible loyalty program that lets you earn points every time you fill up or buy items in store at bp.

Thanks to the program’s partnership with Qantas Frequent Flyer, customers can choose to earn either BP Points or Qantas Points.

If you haven’t yet joined BP Rewards, you can sign up for free here and start earning points straight away.

Here’s an overview of how the program works. 

Want a big boost of Qantas Points? Get up to 100,000 bonus points + an annual $450 Qantas Travel Credit with our favourite card for points, rewards and benefits: the Qantas American Express Ultimate Card!

Earning points

When you sign up to BP Rewards, you can choose to earn either Qantas Points or BP Points on purchases, with the option of switching between the two points currencies later (more on that below).

Naturally, if you want to earn Qantas Points, you need to be a member of the Qantas Frequent Flyer program and link your account to BP Rewards. If you’re not already a Qantas Frequent Flyer member, you can join for free here.

The points earn rate at bp is the same whether you’re earning Qantas Points or BP Points. Customers can receive:

  • 2 points per litre of BP Ultimate Unleaded
  • 1 point per litre of all other fuel
  • 1 point per $1 spent on eligible items in-store.

There’s no cap on the amount of points you can earn.

You can further boost your points tally by taking advantage of exclusive offers, which bp sends out by email. These offers can also be viewed online or in the BPme app.

Most in-store purchases are eligible to earn points. Some of the notable exclusions are purchases of smoking/tobacco products and accessories, gift cards, lottery products, and pre-paid mobile telephones and phone cards.

To earn points, simply scan your BP Rewards card or digital card in the BPme app before payment. You can also earn points automatically whenever you use the BPme app to pay for fuel from your car.

Alternatively, you can scan your Qantas Frequent Flyer card or Qantas App, which makes the process super easy.

Finally, you can effectively ‘double dip’ on points by paying with a Qantas Points-earning credit card, such as our favourite: the Qantas Amex Ultimate Card.

Earning points with a BP Plus fuel card

If your business or organisation has a BP Plus fuel card (which is an account that is paid off each month), you can also earn points with BP Rewards.

Simply register for BP Rewards, and when you scan your BP Rewards card and pay with BP Plus, you’ll earn:

  • 1 point per litre of BP Ultimate Unleaded
  • 1 point per 2 litres of all other fuel
  • 1 point per $2 spent on eligible items in-store.

BP Plus card holders also have the option of earning Qantas Points. All you need to do is join Qantas Business Rewards and continue to use your BP Plus fuel card.

Switching between earning BP Points and Qantas Points

One of the great features of BP Rewards is that you can switch between points options at any time. To do so, simply log into your account and go to the Choose My Points section.

If you switch from BP Points to Qantas Points, your BP Points balance will be converted to Qantas Points and transferred to your Qantas Frequent Flyer account.

If you switch from Qantas Points to BP Points, your Qantas Frequent Flyer balance does not change. Instead, any Qantas Points earned will remain in your Qantas Frequent Flyer account and future transactions will earn BP Points.

Using points

BP Points can be redeemed for dollars off at bp or for David Jones eGift Cards.

For example, if you have 1000 BP Points, you can get $10 off your bill at bp or a $10 David Jones eGift Card.

As savvy readers will already have worked out, that means you’re getting exactly 1 cent of value per BP Point redeemed, which is a solid deal.

You should opt to earn Qantas Points at bp only if you intend to use those points for travel.

That’s because using Qantas Points for reward flights or upgrades typically yields more than 1 cent of value per point.

However, using Qantas Points for other things (e.g. gift cards) usually gets you less than 1 cent of value per point, so you’re better off just earning BP Points in that case.

Summing Up

BP Rewards lets customers make their hard-earned money go further by earning either BP Points or Qantas Points every time they fill up or purchase items in-store at bp.

Those points can be used for dollars off at bp, gift cards or travel.

BP Rewards is flexible and easy to use, and any Aussie motorist who enjoys earning points and the option of flexible rewards should consider signing-up.

To find out more and join, visit BP Rewards here.

Want a big boost of Qantas Points? Get up to 100,000 bonus points + an annual $450 Qantas Travel Credit with our favourite card for points, rewards and benefits: the Qantas American Express Ultimate Card!

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Earn 170,000 bonus Qantas Points with the American Express Qantas Business Rewards Card

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Customer notice: this article provides general information only and does not consider personal circumstances. We may receive a commission if you apply for a card via our Amex partner link (read more in our Cards Disclosure). Thank you for your vital support!

If you’re a business owner who loves to travel, right now there’s a great sign-up offer with Amex’s top Qantas business card: the American Express® Qantas Business Rewards Card.

New American Express® Card Members can earn 170,000 bonus Qantas Points when you apply online via our partner link by 16 June 2026, are approved, and spend $6,000 on eligible purchases on your Card within 3 months of your approval date (new Amex Card Members only; T&Cs apply).¹

This Card also comes with a range of ongoing perks, including two Qantas Club passes² each year, a strong earn rate⁴ on everyday business spend, up to 99 complimentary Employee Cards⁵, complimentary travel insurance⁶ for you and Employee Card Members, and more. 

Here’s an overview of the benefits you can enjoy.

1. Earn points on business spend and fly with top airlines

You’ll turbocharge your points balance by earning 1.25 Qantas Points per $1 spent on everyday business purchases – one of the highest Qantas Points earn rates in Australia.

For Qantas products and services, you’ll earn 2 Qantas Points per $1 spent, while with utilities, government bodies and non-Amex issued insurance you’ll earn 0.5 points per $1 spent.

After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.⁷

Hundreds of thousands of businesses accept Amex in Australia, and that number is growing, so there’s no shortage of places where you can earn points with this card.

The points will be credited to your business’ Qantas Business Rewards (QBR) account.⁸ QBR is Qantas’ loyalty program for businesses and membership is complimentary with your card.

From there, you can transfer points to any Qantas Frequent Flyer member including yourself, employees or family members.⁹

You can use those points to fly with Qantas and an array of international partners, including top airlines like American Airlines, British Airways, Cathay Pacific, Emirates, Japan Airlines, Qatar Airways and more.

With so many partners to choose from, the whole world is within reach.

2. Relax in a Qantas Club twice a year

Relax before your next flight in style, even if you’re flying economy.

You’ll receive two Qantas Club passes each year, which will be triggered when you pay for an eligible Qantas purchase with your card.

Eligible Qantas purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia, and Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees.

Relax in a Qantas Club twice a year

You can use the passes for yourself or a travel partner, or easily transfer them to someone else.

3. Travel securely with domestic and overseas travel insurance

You’ll receive domestic and international travel insurance cover for you, your family and Employee Card Members when the card is used to pay for return travel.

You’ll be covered for:

  • inconvenience costs (flight delays and cancellations, and luggage delays)
  • medical expenses
  • damaged, destroyed, lost, or stolen baggage, money and documents
  • trip cancellation costs
  • transport accidents
  • personal liability
  • COVID-related trip change and cancellation costs.

If you’re currently paying for travel insurance and this cover meets your needs, you could potentially save money by relying on it.

4. Save time and money with other features

Your business will also benefit from these features:

  • up to 99 complimentary Employee Cards linked to the account, which can help you earn more points while easily keeping track of expenses across the business
  • cashflow boost: this is a charge card, which means you have up to 51 days¹⁰ to pay off purchases without incurring interest, or you can choose to pay off a portion of the balance over time up to your Flexible Payment Option (FPO) limit¹¹ (interest charges apply)
  • access a line of unsecured funding with flexible spending power¹²: this means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your businesses credit rating, and other factors.
  • save up to 10% on the base fare of eligible Qantas flights¹³
  • use your card with Apple Pay, Google Pay or Samsung Pay
  • direct feeds into MYOB¹⁴, Xero and other accounting software.

Plus 170,000 bonus Qantas Points

Receive 170,000 bonus Qantas Points when you apply online via our partner link by 16 June 2026, are approved, and spend $6,000 on eligible purchases on your Card within 3 months of your approval date (new Amex Card Members only; T&Cs apply).¹

This offer is only available to new American Express Card Members. That means you must not have held an American Express card in the last 18 months. However, you are eligible if you’re an Additional Card Member on someone else’s account (including a corporate account).

The card annual fee should be tax deductible when used for business purposes.

The minimum annual business revenue to qualify is $75,000 and you need to hold a valid ABN that is registered for GST.

We’re delighted to partner with Amex to bring our readers this offer. It’s only available for a limited time via our partner link below. You could be booking a holiday in no time!

To access this offer and apply, click here (mobile friendly).

* Terms & Conditions – Click Here To View

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 2 October 2024 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.

  1. Offer only available to new American Express Card Members who apply by 16 June 2026, are approved and spend $6,000 on eligible purchases on their new Card in the first three (3) 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. 170,000 bonus Qantas Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. Subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. $450 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
  2. Provided the Primary Card Member is a Qantas Frequent Flyer member and has registered their Qantas Frequent Flyer number with your business’ American Express Qantas Business Rewards Card, your business is eligible to receive two domestic Qantas Club Lounge Invitations each anniversary year of Card Membership once your business makes an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by the business. Visit the Complimentary Invitations Portal to access invitations, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to their expiry. Invitations are subject to the Qantas Club terms and conditions. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your business’ American Express Qantas Business Rewards Card account is not in good standing, if the Eligible Qantas Purchase is refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.
  3. 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.
  4. 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.
  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 Qantas Business Rewards 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 Qantas Business Rewards 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.
  6. 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. 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.
  7. A business must be a Qantas Business Rewards Member to earn Qantas Points. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing American Express Qantas Business Rewards Card. 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.
  8. In order to transfer Qantas Points from a Qantas Business Rewards account to an individual’s Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).
  9. Extend your cash flow by up to 51 days: Depending on your method of payment, when you make a purchase, when your statement is issued 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 10 days after your statement is issued.
  10. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions.
  11. Unless Amex tells 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.
  12. Savings are available exclusively to Qantas Business Rewards Members on the base fare of selected fares only and do not apply to taxes, fees and carrier charges. Availability is limited. Member Deals are subject to the Qantas Business Rewards Terms and Conditions.
  13. MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of American Express Corporate Cards. The Card must be active at the time of enrolment.

Finnair to launch daily Melbourne–Helsinki flights via Bangkok from October 2026

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Finnair has announced a surprise new long-haul destination for its expanding network: Melbourne!

The airline plans to begin service in late October 2026, operating daily with an Airbus A350 on a Helsinki–Bangkok–Melbourne routing.

The first flight is expected to operate on 25 October 2026, subject to government approval, and flights are scheduled to be available for booking from later today.

Finnair positions the new route as a two-way opportunity: for European travellers heading to Australia, and for Australians connecting via Helsinki into northern Europe and beyond.

According to the announcement, the schedule is designed to support connections and aircraft utilisation:

  • Outbound: Depart Helsinki shortly after midnight, arrive Bangkok in the afternoon, then continue to Melbourne after a brief stop, arriving the following morning.
  • Return: Depart Melbourne in the afternoon, stop in Bangkok in the evening, then arrive in Helsinki early the next day, timed to connect with morning departures across Europe.

Finnair’s current A350 long-haul Business Class product is built around the Collins “AirLounge” seat, designed with a fixed, contoured shell and no traditional recline.

Arranged in a 1-2-1 layout, Finnair describes the seat as intentionally “furniture-like,” aiming to increase personal space and allow multiple sitting positions (including sitting cross-legged), while still enabling a lie-flat sleeping surface. Instead of the seat moving, it’s all up to the passenger to rearrange and get comfortable!

The airline also offers premium economy in a 2-4-2 layout …

… and economy in a 3-3-3 layout.

Finnair says its 2026 network is planned to include 93 European destinations, 11 Asian destinations, seven North American destinations (including Toronto opening in summer 2026), and two Middle East destinations.

Finnair is a member of the oneworld alliance and counts Qantas as a partner for earning and redeeming frequent flyer points.

Qantas opens new Auckland lounge

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Qantas has announced the opening of its newly renovated and expanded International Lounge at Auckland Airport, scheduled to welcome passengers from December 17, 2025. The launch comes ahead of the peak summer holiday season and amid a broader expansion of the airline’s trans-Tasman network.

The new facility represents a significant upgrade from the previous space, with a footprint that is 60 percent larger. According to the airline, the lounge now has the capacity to accommodate over 370 customers and features dedicated zones designed for dining, working, and relaxation.

Qantas International CEO Cam Wallace stated that the new lounge is a key part of the airline’s investment in its global network, noting Auckland’s role as a major hub for connecting passengers across the Tasman and onto long-haul routes.

New Dining Concepts

A notable addition to the Auckland lounge is a dedicated à la carte dining area reserved for Platinum One and Platinum Frequent Flyers. This marks the first time such a feature has been introduced across the Qantas global lounge network.

A la carte dining

The menu, curated by Qantas Creative Director of Food, Beverage and Service Neil Perry, will focus on local New Zealand produce. Offerings include crumbed local fish and chips, alongside established airline staples such as salt and pepper squid and pavlova.

For other guests, the lounge offers a buffet, a gelato station, and a cocktail bar serving New Zealand wines, premium beverages, and barista-made coffee.

Casual seating and dining

Design and Amenities

Designed by David Caon in collaboration with Architectus, Akin Atelier, and Simon James Design, the interior aims to reflect the local landscape. The space incorporates living green walls, travertine tiles, and terrazzo tabletops.

“We approached every element with careful attention to detail, pairing materials long associated with the airline’s palette with those introduced specifically to reflect the local region,” said Caon.

The lounge is furnished with bespoke pieces upholstered in New Zealand wool and leather. A focal point of the design is a four-metre artwork by artist Gabrielle Penfold, depicting North Head, Devonport.

To cater to modern traveler needs, 70 percent of the seating is equipped with charging points. The facility also includes 15 shower suites, intended to support passengers on long-haul journeys, such as the direct service between Auckland and New York.

Operational Expansion

The opening of the lounge aligns with Qantas’ plans to expand its operations in the region. The airline has indicated it will add new routes and increase capacity across the Tasman in 2026 to meet demand during peak travel periods, including the Christmas holidays and the April school break.

Receive 50,000 Bonus Membership Rewards Points⁵ with the American Express Explorer Credit Card

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Customer notice: this article provides general information only and does not consider personal circumstances. We may receive a commission if you apply for a card via our Amex partner link (read more in our Cards Disclosure). Thank you for your vital support!

The Amex Explorer Credit Card is designed to appeal to savvy travellers who want flexibility with using points while also enjoying a range of travel and lifestyle benefits.

Points earned with this Card can be transferred to over 10 airline, hotel and retail partners¹, opening up more redemption opportunities.

Other perks include a strong points earn rate on spend², an annual $400 Travel Credit³ that offsets the card fee, complimentary travel and smartphone screen insurances⁴, and more.

For a limited time, new Card Members can also receive 50,000 Bonus Membership Rewards Points when you apply online via our Amex partner link by 3 February 2026, are approved and spend $4,000 on eligible purchases on your new Card within the first 3 months (T&Cs apply; New Amex Card Members only).⁵

Here’s an overview of the benefits you can enjoy.

1. Receive a strong points earn rate on spend

The card rewards program, Membership Rewards, is very popular among points experts thanks to the flexibility it provides.

Card Members earn a very strong 2 Membership Rewards points per $1 spent on purchases, except with government bodies where you earn 1 point per $1 spent.

Points earning is uncapped.

Hundreds of thousands of merchants accept Amex in Australia, and that number is growing, so there’s no shortage of places where you can earn points with this card.

2. Use your points for a range of rewards

Membership Rewards points are easy to use on a variety of rewards, our favourite being to transfer them to over 10 airline, hotel and retail partners.

These include:

  • Virgin Australia’s Velocity Frequent Flyer
  • Singapore Airlines KrisFlyer (can be used to book Star Alliance airlines)
  • Everyday Rewards (from there, points can be transferred to Qantas)
  • Cathay Pacific Asia Miles (can be used to book oneworld airlines)
  • Qatar Airways Privilege Club (can be used to book oneworld airlines)
  • British Airways Executive Club (can be used to book oneworld airlines)
  • Virgin Atlantic Flying Club (can be used to book Skyteam airlines)
  • Emirates Skywards
  • Etihad Guest
  • Malaysian Airlines Enrich
  • Air New Zealand Airpoints
  • Marriott Bonvoy
  • Hilton Honors.

If you like to use points for air travel, the big advantage of earning Membership Rewards points (over Qantas or Velocity Points) is that you’re not locked into any single airline frequent flyer program, rather you accumulate Membership Rewards points until you’re ready to transfer them to a partner.

Use your points to fly with top airlines like Singapore Airlines

Having so many airlines to choose from means it can be easier to find award seats when the time comes to book, especially if you want to fly in a sought-after business or first class cabin.

3. Enjoy a $400 Travel Credit each year

At the start of each card membership year, including when you first receive the card, you’ll get a $400 Travel Credit that you can redeem for flights, hotels or car hire in Australia or overseas.

It’s very easy to redeem the travel credit online at Amex Travel (which is essentially an online travel agency). Simply find the flight, hotel or car hire you want and then apply the $400 credit during the payment process.

You can use the travel credit to book something for yourself or anyone you choose.

Since you receive the travel credit every year, it effectively offsets the card’s $395 annual fee.

4. Get up to US$100 in hotel credits and room upgrades

Amex’s Hotel Collection includes more than 600 hotels and resorts in over 30 countries worldwide, including from trusted brands like Hyatt and Hilton.

Every time you book two or more consecutive nights’ stay at one of these properties with your Explorer card, you’ll receive:

  • a hotel credit of up to US$100 for qualifying charges – typically dining, spa, golf or other hotel facility-related charges (but not the room rate, taxes or fees)
  • a complimentary room upgrade at check-in (subject to availability).

Enjoy benefits at stylish hotels

These complimentary extras can add a lot of value to your stays, and there’s no limit on how many times you can use this benefit.

5. Save money with a range of insurance covers

You’ll receive complimentary travel insurance cover for you, your partner and dependent children up to the age of 25 when you pay for a return trip with your card, the Travel Credit or Membership Rewards points. The cover is comprehensive and includes medical, trip cancellation and amendment, travel delay and baggage-related costs, as well as many other expenses.

You’ll also receive smartphone screen cover when you pay for your phone or monthly contract with your card, with $500 available for repairs up to 2 times every 12 months (with a 10% excess).

And for good measure, you’ll also get refund and purchase cover and extended warranties for eligible purchases made using your card.

6. Earn more points, save money and enjoy other lifestyle benefits

There are so many other perks to enjoy with this card, including:

  • up to 4 free additional cards⁷ for family members or friends – an easy way to earn points faster
  • two entries each year to Amex’s exclusive The Centurion Lounge⁸ at Sydney Airport international or Melbourne Airport international (children under the age of 17 get in for free)
  • Hilton Honors Silver Status – earn 20% bonus points on stays and receive every 5th night free on Standard Room Reward stays of 5 nights or more
  • up to 55 days interest-free on purchases⁹
  • ‘buy now, pay later’ with American Express Plan It™ Instalments¹⁰: pay off your card balance in equal monthly instalments with 0% interest and a fixed monthly fee
  • use your card with Apple Pay, Google Pay or Samsung Pay
  • Amex Offers: save money with regular discount offers with top brands
  • American Express Experiences: access sought-after events like music, theatre and film, including via pre-sale tickets, and enjoy exclusive lounges at selected events.

Plus 50,000 Bonus Membership Rewards Points

Receive 50,000 Bonus Membership Rewards Points when you apply online via our Amex partner link by 3 February 2026, are approved and spend $4,000 on eligible purchases on your new card within the first 3 months (new Amex Card Members only; T&Cs apply).

This offer is only available to new American Express Card Members. That means you must not have held a card issued directly by American Express Australia in the last 18 months. However, you are still eligible for this offer if you’re an Additional Card Member on someone else’s account.

Amex no longer specifies a minimum income to be eligible for this card.

To read more and apply on Amex’s website, click here (mobile friendly).

* Terms & Conditions – Click Here To View

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 24 January 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Explorer Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

  1. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
  2. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as ‘government’, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
  3. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
  4. 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 Explorer Credit 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 Explorer Credit 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.
  5. 50,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 3 February 2026, are approved and spend $4,000 or more on eligible purchases on your new Card in the first 3 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. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. 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. The American Express Explorer® Credit Card has an annual Card fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
  6. The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more, with participating properties, made through Platinum Travel Service, Centurion Travel Service or American Express Travel Online. Bookings are valid only for eligible Card Members of the following American Express Cards: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Business Gold Plus Card, American Express® Platinum Card, American Express® Platinum Business Card and American Express® Centurion Card. Excludes Gold Credit Card Members who are not also Australian Rewards Advantage, Gold or Platinum Charge Card Members. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member’s name, and that Card Member must be travelling on the itinerary booked to be eligible for benefits described. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of US$100 credit and additional amenity (if applicable) varies by property; the US$100 credit will be applied to eligible charges up to US$100. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in US Dollars or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.
  7. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
  8. Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
  9. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
  10. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.

How to buy Qantas Points and get up to a 60% bonus

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Both Qantas and Virgin Australia allow their frequent flyer members to buy points in order to ‘top up’ their accounts.

The airlines say this is designed to help members who are a little short of the points required to redeem a reward – but it’s also a nice way for the airlines to earn more money, as buying points is relatively expensive.

You’re generally much better off earning points with credit cards or via points partners.

However, if you need points quickly and have no other option, purchasing points outright can be a useful last resort.

In terms of Qantas Points, you can purchase a minimum of 1,000 up to a maximum of 150,000 points, up to 4 times in any 12 month period.

The more points you buy, the lower the cost per point. For example, purchasing 1,000 points usually costs $56 (=5.6 cents per point) while buying 150,000 points sets you back $3999 (=2.6 cents per point). That’s a big difference.

I’ve written before about how to work out the value you’ll get from points when weighing up opportunities to earn or buy them. Consider your options carefully and work out the best way forward for you.

Until Thursday 11 December 2025, Qantas is running promo offering extra points, as follows:

  • 25% bonus Qantas Points on purchases of 15,000 – 95,000 points
  • 60% bonus Qantas Points on purchases of 100,000 – 150,000.

If you go for the maximum purchase of 150,000 points, you’ll receive an extra 90,000, for a total of 240,000 points at a cost of $3999 (=1.67 cents per point).

That’s only a good deal if you use those points to book a business or first class reward seat that would otherwise be much more expensive.

You must be a Qantas Frequent Flyer member for at least 30 days before purchasing.

To find out all the T&Cs for purchasing points and potentially buy some, visit Qantas here.

Want some easy Qantas Points? Get up to 900k bonus points plus a $450 travel credit and lounge passes with our favourite credit card: the Qantas Amex Ultimate Card!

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Earn triple Velocity Points on hotel bookings

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Velocity Frequent Flyer is currently running a promotion offering triple points on hotel bookings – that’s a handy 9 Velocity Points per $1 spent.

Velocity Frequent Flyer members can book hotels worldwide thanks to Virgin Australia’s partnership with Rocket Travel.

Rocket Travel is owned by the same company as Booking.com and Agoda.

Velocity members normally earn a base rate of 3 points per $1 spent, but for a limited time you can earn 9 Points per $1 spent on hotel stays booked by 8 December 2025 for travel by 31 May 2026.

If you’re a Velocity Points collector, these opportunities are worthwhile to consider.

For more info, visit Virgin Australia.

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Earn triple Qantas Points at Qantas Wine

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Qantas has launched a special promotion offering triple Qantas Points on purchases through Qantas Wine. 

That means regular customers will earn 3 points per $1 spent, while “premium” members will score a handy 9 points per $1 spent.

This offer runs until 26 November 2025 11:59pm (AEST).

Buying wine from Qantas Wine is one of the best ways to earn Qantas Points. There are so many wines to choose from, at all price points.

They also sell other alcoholic beverages – so there’s something for virtually everybody.

It’s worth checking out the products on sale and especially the bonus points offers on select products.

You can stack any bonus points offer you find with the current promo.

Qantas Wine Premium Membership is complimentary for Points Club members as well as certain credit card holders, such as our favourite Qantas card: the Qantas Amex Ultimate Card.

Otherwise, premium membership costs $99 per year.

It gets you free delivery, 3 Qantas Points per $1 spent, and access to special offers, products and events.

Without premium membership, delivery is free only if you spend at least $300.

For more info, visit Qantas Wine here.

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