If you've been wondering whether you need both — or whether they compete — this page will clear it up in under 3 minutes.
See what your points are worth →"I already use Pay.com.au to earn points on my business expenses — so I don't need The Flights Club, right?"
— A question we hear on almost every Discovery Call
The short answer
They do completely different things. One without the other leaves money on the table.
Side by side
| Pay.com.au | The Flights Club | |
|---|---|---|
| What it is | A payments platform that earns loyalty points on business expenses | A membership and concierge service that maximises and redeems those points for Business Class flights |
| Earns points on your spend | ✓ Yes | Not directly |
| Advises which program to earn into | No | ✓ Yes — based on your goals |
| Searches for Business Class award seats | No | ✓ Yes — across all major programs |
| Books the flights for you | No | ✓ Yes — full concierge service |
| Teaches you the points system | No | ✓ Yes — via Explore membership |
| Optimises your earn strategy | No | ✓ Yes — Amex, Pay.com.au, and more |
| Pay.com.au Premium fee waiver | Not included | ✓ $165/mth waiver — save $1,980/yr |
How they work together
Pay.com.au is the earning rail. The Flights Club is the strategy and redemption layer on top of it.
Flights Club members receive a full waiver of the Pay.com.au Premium tier fee — $165/month ($1,980/year). This applies to new and existing Pay.com.au customers. The two services work together, and membership pays for itself before you even book a flight.
Processes your business payments — payroll, ATO, rent, suppliers — and earns loyalty points on every dollar. The tap that fills the tank.
Advises which programs to earn into, finds the best Business Class award seats, and books them for you. The navigator that turns fuel into flights.
Think of it this way
Having a bank account doesn't mean you don't need a financial advisor. The account holds the money — the advisor tells you how to make it work harder. Same principle here. Pay.com.au earns the points. The Flights Club makes sure those points get you into Business Class instead of sitting unused in a loyalty account.
Start with the points audit — it takes 3 minutes and shows you exactly how many Business Class flights are hiding in your current points balance.