Free 60-second Points Audit for business owners

Discover how much Business Class value is hidden inside your business expenses. In under 60 seconds.

Your business is paying suppliers, ATO, payroll, software and advertising already. This audit shows what those payments could unlock when points are earned and used properly.

Already sitting on a large balance — Amex, Pay.com.au, Qantas, Velocity? Value it in ten seconds below — then the audit shows how to finally use it.

Already have points? Start here

Value the points you’re already holding.

Pick your program, tap a balance (or type your own), and see roughly what it’s worth in Business Class.

Your points program

Quick balance

Based on long-haul return Business Class at around 365,800 Qantas points (Sydney–London on a Qantas Classic Reward via a partner airline) with typical retail fares of $8,000–$15,000 per seat. Amex and Pay.com.au points transfer to Qantas at about 2:1; Velocity prices this route at around 317,000 of its own points. Illustrative only — availability varies, taxes and fees apply, and routes and programs price differently.

Step 1 of 4 — Your business spend

How much money does your business pay out each year?

Think suppliers, ATO/BAS, rent, contractors, software, insurance, payroll. The payments your business makes every month. (Loan repayments and interest usually don't count — but most of your other payments do.)

$1,000,000
AUD per year
Quick pick:
$200K $1M $2M $5M $10M
At $1,000,000 annual spend, you generate 2,250,000 points before any double-dip opportunities. At the assumed 1.9% fee rate, that is about $19,000/year in card-processing cost.
Step 2 of 4 — Pick an example destination

Where would you fly Business Class?

Pick one to see what a single seat actually costs you with points vs. cash. All flights priced ex-Sydney. Your audit numbers update live.

Your $1M earns 3.2 Sydney → London return flights — in Business Class, per year
Cash price each
$12,000
Using points each
$7,499
You save each
$4,501
A note on the fee rate This calculator uses 1.9% — the conservative maximum card-processing rate. Your actual rate may be lower once we dive deeper into your points strategy.
Step 3 of 4 — Your numbers

Your $1M spend earns 3.2 Sydney to London Business Class return flights each year.

Currently showing: $1,000,000 spend · London · 1.9% fee. Change anything above and these numbers update live.

Annual points
2,250,000
2.25 flexible points per $1 — about 1 airline point after transfer
Business Class flights (return)
3.2
London return, in Business
Flight savings available
$13,502
After all fees and ticket taxes

These numbers use the conservative 2.25 points/$ baseline — a single-dip earn rate. With the right strategy (which The Points Travel OS teaches), the same dollar of spend can earn 2× or 3× this. We kept this audit conservative. The 2.25 figure is measured in flexible bank and payment points; after typical 2:1–3:1 transfer ratios that's roughly one airline point per dollar — in line with a standard business card set-up.

Here is the full cost vs benefit: how your spend becomes Sydney to London Business Class return flights, what it costs, and what you save. This is where The iFLYflat Flights Club is strongest — making the hidden value visible before you choose a pathway.

1. Reward points earned
Annual business spend $1,000,000
× Reward points per dollar × 2.25
= Annual reward points 2,250,000 pts
2. Seats this buys
Annual reward points 2,250,000 pts
÷ Points per London seat (365,800 airline points × 2.0 transfer ratio) ÷ 714,000 pts
= Sydney to London Business Class return flights /year 3.2 seats
3 Sydney to London Business Class return flights you can book this year, plus 108,000 leftover points (0.15 of a 4th seat). With the right strategy — which The Points Travel OS teaches — every leftover point compounds toward your next flight, never wasted.
3. What each seat costs you
Annual cost of points ($1,000,000 × 1.9%) $19,000
÷ 3.2 seats earned = cost of points per seat $6,029
Your real cost of points depends on your card mix — typically $0 to $6,029 per seat. Some spend can earn at near-zero cost.
+ Airline taxes per seat (London) + $1,470
= Cost per Business Class return seat $7,499
4. What you save
Per seat × Seats = Annual
Cash retail price $12,000 3 $36,000
− Your cost using points $7,499 3 −$22,497
= You save $4,501 3 $13,502

You earn 1 Sydney to London Business Class return seat every 3.9 months.

That's 3.2 seats in your business year — and your points compound year after year.

Today
12 months

Every week you wait, this is what you're missing.

$260
Per week
$1,125
Per month
$13,502
Per year

Same business. Same expenses. Different outcome. The only thing that changes is the day you start.

Your pathway by spend level

Based on your $1M spend, Explore is your fit.

Explore suits most $250K–$1.5M annual business spend profiles. Platinum suits $1.5M–$5M businesses that want Points Flight Bookings handled for them. Black suits $5M+ businesses whose travel is fluid — Business Class travel managed for the household across the year, with change built in.

Showing pathways for $1,000,000 spend · Sydney → London. Change above to recalibrate ↑

RECOMMENDED FOR YOU
Platinum
$6,500+GST/year
For $1.5M – $5M spend · Done-for-you concierge
Best fit$1.5M–$5M spend
Support styleConcierge bookings
Included seats4 Business Class returns
Platinum is advisory-led Points Flight Bookings for businesses around $1.5M–$5M annual spend. You receive a 1:1 Points Travel Strategy Session with Steve Hui, 4 x return Business Class points seat bookings per year, and a dedicated team that handles points-flight redemptions on your behalf.
What you get vs. what you pay
Concierge flight savings (4 × $4,501 per BC return seat) — your audit earns 3; Platinum strategy lifts the rest+$18,003/yr
Your conservative London audit earns 3 BC return seats. Platinum books you 4 — by mixing destinations (points stretch further on Asia or domestic routes) and applying double- and triple-dip strategies that lift your effective earn rate.
Additional conditional Pay.com.au Premium waiver value+$1,980/yr*
= Estimated annual flight savings$18,003/yr
− Platinum membership fee−$6,500/yr
= Year 1 net flight value$11,503/yr
2.8× flight-value return on your fee
Platinum is built for $1M+ businesses doing serious international travel. Try moving your spend higher or switching destinations above — this tier's economics shine at higher spend volume on long-haul routes.
  • Your Explore base — included
  • Personalised Points Travel OS
  • Pay.com.au Premium fee waiver — save $1,980/yr
  • Velocity Gold — fast-tracked via Virgin Australia Business Flyer Tier 2
  • ALL Accor Gold status — 12-month ALL Accor+ Explorer membership included
  • Travel Club Gold — 4,000+ hotel perks, 20% off SIXT, airline transfers
  • July × TFC exclusive carry-on ($395 RRP — founding members)
  • Qatar Privilege Club bonus Avios + more partner benefits ($6,573+ Year 1 value)
  • Platinum adds
  • 4 x return Business Class points seat bookings per year
  • 1:1 Points Travel Strategy Session with Steve Hui
  • Dedicated flight concierge team
Book my Platinum Fit Call →
RECOMMENDED FOR YOU
Black
$12,000+GST/year
For $5M+ spend · Managed household travel · Free changes or cancellations
Best fit$5M+ spend
Support styleSenior flight concierge expert
Your travelManaged — no fixed count
Black is the top tier for $5M+ annual business spend. Your household's Business Class travel is managed for the year — found and booked for you by a dedicated senior flight concierge expert, with changes built in — for yourself, your team, your clients, or your guests. There's no fixed seat count: it's matched to your points capacity and how you actually travel.
What you get vs. what you pay
Business Class travel managed for the year — illustration based on your audit's seat potential (2× your 3-seat audit × $4,501 per seat)+$27,004/yr
Your conservative London audit earns 3 BC return seats — with Black's destination mixing and multi-dip strategies, the same spend typically supports around double that. Black is managed, not metered: there's no fixed seat count. Travel is matched to your points capacity and how you actually travel, so this figure is an illustration built from your own audit, not an allocation.
Additional conditional Pay.com.au Premium waiver value+$1,980/yr*
= Estimated annual flight savings$27,004/yr
− Black membership fee−$12,000/yr
= Year 1 net flight value$15,004/yr
2.3× flight-value return on your fee
Black is built for $5M+ businesses whose travel won't stay still. Try moving your spend higher or switching destinations above — Black's economics shine at $5M+ on long-haul routes, with travel managed around your household's year.
  • Your Explore base — included
  • Personalised Points Travel OS
  • Pay.com.au Premium fee waiver — save $1,980/yr
  • Velocity Gold — fast-tracked via Virgin Australia Business Flyer Tier 2
  • ALL Accor Gold status — 12-month ALL Accor+ Explorer membership included
  • Travel Club Gold — 4,000+ hotel perks, 20% off SIXT, airline transfers
  • July × TFC exclusive carry-on ($395 RRP — founding members)
  • Qatar Privilege Club bonus Avios + more partner benefits ($6,573+ Year 1 value)
  • Black adds
  • Business Class travel managed for the year — no fixed seat count, booked with your points
  • Change or cancel freely when plans move
  • Dedicated senior flight concierge expert
Book my Black Fit Call →

Before you book the call

✓
What this 20-min call IS: these audit numbers are deliberately conservative. On the call we review your real card mix and show you actual Business Class seats available on your routes.
✕
What this call is NOT: a basic explainer or hard sell. You've already seen the maths here — we don't re-explain it.

20 minutes · Google Meet · With Jon Fulluck, Senior Travel Specialist

*Figures are estimates only and are based on conservative points-earning assumptions, published reward-seat pricing, indicative taxes/fees, and sample retail Business Class fares at the time of calculation. Availability, taxes, airline pricing, transfer partners, card eligibility, merchant-category treatment, provider terms, and membership outcomes can vary. The Pay.com.au Premium waiver is shown separately as an additional conditional third-party benefit and is excluded from headline flight-value ROI and net-benefit calculations.

Your next step

Book your 20-minute Points Audit call

Pick a time below — we'll review your real card mix and show you actual Business Class seats available on your routes.

✓ You're booked — check your inbox for the calendar invite. Talk soon.

Decision involves someone else?

Send this calculator to your spouse, business partner, or CFO — whoever needs to see the numbers before you commit. They can run their own audit in 60 seconds.

Email yourself your Audit Summary.

Now that you have seen the earning pace and membership pathways, keep your estimated savings, preferred destination, and recommended tier in one tidy summary for later review.

Please enter your first name, surname, and a valid email address.
Sent. Your audit summary has been recorded and emailed.
Steve Hui The Points Whisperer® · Co-Founder, The Flights Club
13+
Years in points strategy
6,000+
AU business owners helped
1B+
Points booked
4.9★
200+ Google reviews
As featured in
The money is already leaving the business. The question is whether it leaves as an expense only — or also creates Business Class travel value.
Business expenses → points strategy → smarter Business Class travel.

Common questions.

Why does the calculator show flights from Sydney?
Sydney is used as the origin for all calculations because cash prices, airline points required, and tax/surcharge amounts vary by departure city. We picked one consistent baseline so the math is defensible and reproducible. If you're flying from Melbourne, Brisbane, Perth, or elsewhere, the numbers shift slightly — generally within 5–15% of the Sydney baseline. Your Fit Call covers the specifics for your home airport.
What about the payment fees — don't they cancel out the value?
No, for most businesses above $500k spend. The net saving per Business Class return seat varies by route — domestic Melbourne saves around $400–$500 per seat but you generate many seats (36+ per $1M spend); international routes like London save $5,000–$6,000 per seat. At $1M spend on Melbourne, you net around $14,000 per year; on long-haul, well over $20,000. The cost of points is real, but the trade is good — typically $1.90 of flight value for every $1 of cost.
What if the Business Class reward seats I want aren't available?
Reward seat availability is real, but solvable. Three things help: book early (10–11 months out for peak periods), be flexible on day or date by a day or two, and use the right airline program for your route (Cathay for HKG/LHR, Velocity partners for USA, etc). Platinum and Black members hand booking over to our concierge, who knows the patterns and books seats most members would never find themselves. Explore members get the strategy and member-only booking tips to do it themselves — typically with 90%+ success on routes booked 6+ months out.
Why can't I just figure this out myself with Google?
You can — but the cost is time, lost points, and missed value you'll never see. Earning and redeeming points is a long game of trial and error: which card, which supplier mix, which transfer partner, which redemption sweet spot. DIY business owners typically take 18–24 months to build a working system, and even then don't know whether they're doing it right — because there's no benchmark for what "good" looks like. The Flights Club gives you the experience Steve Hui has built since 2012 and the proven Points Travel OS, so you skip the experimentation, earn benefit from day one, and consistently leverage your points for maximum value instead of the average DIYer's result.
Is this only for large businesses?
No. Explore starts at $250k annual spend. At that level you can generate enough points for 1–2 domestic Business Class return seats per year. The value scales with spend — but the structure works at any level above $250k.
How long does it take to set up?
Most members are fully structured within 1–2 weeks. The card application, payment routing, and loyalty account setup can all happen in parallel. You'll start earning points from your very next payment cycle.
What's the difference between Explore, Platinum, and Black?
Explore ($2,500+GST/yr) is self-directed — you get the Points Travel OS, partner benefits, Gold memberships, monthly group sessions, and DIY points-flight booking support. Platinum ($6,500+GST/yr) includes everything in Explore, plus advisory-led support — 4 x return Business Class points seat bookings per year, a 1:1 Points Travel Strategy Session with Steve Hui, and a dedicated flight concierge team. Black ($12,000+GST/yr) includes everything in Explore too, plus the full concierge experience — your household's Business Class travel managed for the year with no fixed seat count (matched to your points capacity and how you travel), changes built in, and a dedicated senior flight concierge expert. Explore is generally suited to $250K–$1.5M spend, Platinum to $1.5M–$5M, and Black to $5M+.
Does my business need to change suppliers or payment terms?
No. We work with your existing suppliers and payment terms. The only change is routing eligible payments through a points-earning card — which most suppliers accept without any surcharge.
Can I use the points for staff, directors, or clients?
Yes. Loyalty points belong to the account holder and can be deployed across your business travel needs. Platinum and Black concierge-booked seats are typically used by directors, key staff, or for client hosting. Black travel is managed across your household and business for the year rather than metered per seat — bookings can go to directors, key staff, or clients.
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