How many Business Class seats could your business spend earn this year?
A 60-second audit that shows what your annual business spend could buy in Business Class flights.
Example: Sydney to London, Business Class return
~$12,000
Normal cash price
vs
$1,470 – $7,680
Using points
A points flight has two costs: the cost of earning the points (between $0 and $6,210 depending on your supplier mix), plus ticket taxes charged by the airline at the time of booking ($1,470 for London Business Class). Either way, you save thousands per seat. Your business spend earns the points.
Scroll to see your numbers
Step 1 of 7
How much money does your business pay out each year?
Think suppliers, rent, contractors, ATO/BAS, software, insurance, utilities, 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
$250K$2M$5M$10M+
Show me what those dollars are worth
Step 2 of 7
Routed correctly, that earns you this many points.
How it actually works
Your business is paying suppliers, ATO, software, contractors every month. Route those payments through a business payment platform using a business credit card — the card pays the platform, the platform pays your suppliers. You earn 2.25 points per dollar along the way. The fee is up to 1.9%, but it varies — suppliers who absorb the card surcharge bring your effective fee down. Same payments, smarter routing.
At a careful earning rate
$1,000,000 × 2.25 points per dollar =
0
points per year
This audit uses 2.25 points per dollar — what business owners earn routing payments through a business payment platform with a business credit card. The fee is up to 1.9%, but it varies by supplier — some absorb the card surcharge, bringing your effective fee down (you'll see how this works in Step 5). These are flexible points: you don't pick the airline yet. You pick the destination, then transfer your points to whichever airline gives the best deal for that route.
Wait — what can I actually fly with these points?
Step 3 of 7
Is that a lot? Depends where you fly.
Points by themselves are just a number. Their value depends entirely on where you fly.
Your 2,250,000 points this year:
36 Business Class returns to Melbourne
— OR —
3 Business Class returns to London
The skill is matching your points to the right airline for the route you actually want. Same points, wildly different value.
👇 Tap a destination to see the full math
Where do you want to fly?
Step 4 of 7
Your points = this many Business Class seats.
Your outgoings$1,000,000
$250K$10M+
Based on your $1,000,000 spend, you can earn 2,250,000 reward points per year — enough to fly...
0
return Business Class seats to Hong Kong every year
Each return costs about ~$6,000 in cash. So that's worth ~$73,276 per year in Business Class flights.
Imagine that. 12+ fly-flat Business Class returns every year. Earned from money your business was already going to pay out anyway.
But what does it cost in fees?
Step 5 of 7
Fees max out at 1.9%. Your redemption value exceeds this fee — generating real savings.
The question you're holding
"Yeah, but what's this going to cost me — and is it actually worth it?"
Fair question. Earning points through business payments costs a small fee — that's the cost of using a card platform instead of paying suppliers directly from your bank. In practice, your effective fee depends on who absorbs the card cost: you, the supplier, or the payment setup. Even at the highest fee, your Business Class savings come out way ahead. Drag the slider below to model the conservative and optimised versions.
Maximum fee rate
1.8%
Annual savings at this fee: $13,184
$36,000 in payment fees on $1M outgoings
0% — best case1.9% — worst case
At the max: no smart setup in place. The full fee applies. Even here, your annual flight savings beat the cost.
Watch what happens as the setup gets smarter →
Show me the bottom line
Step 6 of 7
You're paying full price for flights your business spend could be earning.
5.7 flights per year × $2,294 saved =
Business Class flight savings you're missing
$0
...that The Flights Club unlocks for you — from spend you're already doing.
Want to see how your fee setup changes that number? Move the slider below.
Your fee right now1.9%
0% — best case1.9% — worst case
↑ Watch the big number above shift as you drag
The per-seat math behind the number
Cash cost — 1 Hong Kong return Business$6,000
Transaction fees to earn the points$3,132
+ Ticket taxes & surcharges$574
= Your total cost using points$3,706
$6,000 cash − $3,706 points cost$2,294
= you save per Business Class flight
Who can actually help me unlock this value?
Step 7 of 7
This is what The Flights Club unlocks for you.
For 13+ years we've helped Australian business owners turn the spend they were already doing into Business Class travel. Most never knew their business spend could unlock this — until they ran the audit. Here's the team behind the numbers you just saw.
"
I'm a CPA. I came at this as an accountant, not a travel enthusiast. After 13 years auditing Australian businesses, I can tell you most owners are sitting on tens of thousands — sometimes six figures — in Business Class value their spend could earn. That changes today.
Steve Hui
The Points Whisperer® · CPA · Founder, The Flights Club
13+
Years specialising in points strategy
6,000+
Australian business owners helped
1B+
Points booked into Business Class
4.9 ★
From 200+ Google reviews
As featured in
The AustralianAFRSMH9 NewsChannel 7Sky News
The unique opportunity
A business at your scale of outgoings unlocks something most Australians can't access. The 6,000+ business owners who've discovered this are quietly flying Business Class because their spend can earn it — yours can too.
Where this leaves you
Here's the math. Even after our fees, the value is huge — your audit number is what it is, calculated from your own spend, not best-case. From here it's a decision, not a sales pitch. Most who act on an audit like this are flying Business Class inside twelve months. Most who don't are still flying Economy a year later — same business, same spend, same year. Our vision is to help more business owners experience more joy in their travels.
— Steve Hui, CPA · The Points Whisperer®
"There's a reason people feel better when they have a trip booked. The anticipation does half the work — and the trip itself does the rest."
— Steve Hui
Your recommended pathway
Explore
At your spend, Explore is the right tier.
✓Best ifyou want to learn the system yourself.
✗Not ideal ifyou want our team to do everything for you.
Your audit savings opportunity$13,184/yr
Explore membership$1,999 + GST/yr
Included Pay.com.au Premium Plan value$1,980/yr
Indicative Year 1 value comparison. The Pay.com.au benefit is an included partner benefit, not a cash rebate. Audit savings are estimates based on the assumptions shown above.
What happens next
1Join Explore today
2Welcome email + Module 1 of Points Travel OS
3Your first Business Class booking — once your earning strategy is up to speed
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.
✓ Link copied — paste into a text, email, or WhatsApp
How this actually works.
The audit shows what's possible. Here's the path that turns it into Business Class flights — without making it your second job.
1
Map your spend
We look at every type of payment your business makes — payroll, ATO, suppliers, software. We figure out which can earn points and which need special handling.
2
Build your earning setup
We set up the right combination of business cards, payment platforms, and partner programs (Velocity Gold, Accor Plus, Passport Gold). Most business owners couldn't assemble this on their own.
3
Fly Business Class
Book your Business Class seats. Either you do it yourself with the Explore system, or our team handles the routing, taxes, and seat-hunting for you (Platinum/Black).
"
At $3M annual spend, my accountant told me Business Class was a luxury we couldn't justify. Two years into Platinum, we've flown six returns — Tokyo, London, Singapore — and our cash travel budget went down 70%. My accountant is now a member too.
MR
Brisbane construction business owner
Platinum member · joined 2024 · $3M+ annual outgoings
Outcome: 6 return Business Class seats in 18 months — flying family of 4. Estimated $52,000 in flight value captured.
Common questions
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.
For most businesses above $500k spend, the answer is no. The net saving per Business Class seat (cash price minus taxes minus fees) is typically $3,000–$8,000 depending on the destination. At $1M spend, you're generating 3–4 seats per year — worth $10,000–$30,000 in travel value.
No. The Explore membership starts at $250k annual spend. At that level you can generate enough points for 1–2 domestic Business Class seats per year. The value scales with spend — but the structure works at any level above $250k.
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.
Explore ($1,999/yr) is self-directed — you get the structure and strategy, and manage bookings yourself. Platinum ($6,000/yr) includes 4 concierge-booked Business Class seats per year plus a 1:1 strategy session with Steve. Black ($10,000/yr) includes 10 seats and direct access to Steve for businesses spending $5M+.
Yes. Loyalty points belong to the account holder and can be used to book flights for anyone. Platinum and Black members can use their concierge-included seats for family, key staff, or clients — whoever you choose.
Time-sensitive
Every week you wait, this is what you're missing.
$480
per week
$2,080
per month
$24,960
per year
Over a 5-year working life, that's $124,800. Over 15 years to retirement — $374,400. That's a deposit on a holiday home, your child's full undergraduate degree, or every family Business Class flight you'll ever wish you'd taken.
Capture your audit valueYour fit: Explore · $1,999 + GST
