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.
New from 1 October 2026 Suppliers can no longer surcharge Amex, Visa or Mastercard. Every bill you pay on card now earns points at $0 cost. See what that’s worth to your business.
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 — How your business pays
How does your business pay its bills each year?
Two rough numbers are all it takes. Ballpark is fine, and you can change them any time. Card payments now earn points at $0 cost. Bank transfers can earn points too, through Pay.com.au, for a small fee. You need both running, and below you’ll see why.
$0 cost to earn
What you pay, or could pay, on Amex, Visa or Mastercard: suppliers who take cards, stock, software, advertising, utilities, travel. Earns your card’s own points (2.25 per $1 on a typical Amex business card).
$a year
$0$250K$1M$5M$10M
1.8% via Pay.com.au
Payroll, ATO/BAS, rent, contractors, and suppliers you pay by EFT. Routed through Pay.com.au, these earn points too. (Loan repayments and interest usually don’t count.)
$a year
$0$250K$1M$5M$10M
There are smarter ways to route some of these payments for more points at a lower cost. That’s what we map out on your call.
Total paid out$1,000,000a year → 2,250,000 points before any double-dip opportunities
$0-cost points
900,000
from $400,000 paid on card at 2.25 pts/$ · no surcharge
PayRewards points via Pay.com.au
1,200,000
from $600,000 at 2 pts/$ · 1.8% fee = $10,800/yr
Why you need both running
Card alone1.2London return seats a year
Card + Pay.com.au2.9London return seats a year
Card points are the cheapest, but they’re capped. Card limits, earn caps and suppliers who won’t take a card all limit how much you can earn that way.
A reward seat needs the full points. You can’t book part points, part cash, so falling short means no seat. Pay.com.au turns payroll, the ATO and your other bills into points, and that’s what gets you to full seats.
The skill is running both together. How it all works, and how the numbers stack up for your business, is the advice and guidance The Flights Club membership gives you.
Your blended cost of points across both is 1.08%.
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
How the cost is worked out: $0 on what you pay on card (no surcharges from 1 October 2026), and Pay.com.au’s 1.8% on bank transfers, which earn 2 PayRewards points per $1. Taxes on each flight are included.
Step 3 of 4 — Your numbers
Your $1M spend earns 3.2 Sydney to London Business Class return flights each year.
Cash price per seat
$12,000
→
Your cost with points
$5,233
incl. $1,470 airline taxes
56% less
Annual points
2,250,000
900,000 at $0 cost on card + 1,200,000 via Pay.com.au
Business Class flights (return)
3.2
London return seats a year
Flight savings this year
$13,535
On the 2 seats you can book this year, after all fees and taxes. The other 0.9 of a seat carries into next year.
Paying 50% directly on card, each London Business Class return seat costs you $4,559 in points cost and taxes, versus $7,648 if it all went through Pay.com.au. That is $3,089 less per seat.
We kept this conservative. It assumes 2.25 points per $1 on card and 2 per $1 through Pay.com.au, which is about 1 airline point per $1 once transferred. With the right cards and payment set-up, the same spend can earn 2× or 3× this. That’s what The Points Travel OS teaches.
Want this working in your business?
That’s $13,535 a year in Business Class value on London alone. In a free 20-minute discovery call we’ll look at your card and supplier mix, show you how to run card and Pay.com.au together, and how the numbers stack up for you. That’s what The Flights Club membership is: the advice and guidance to make it all work.
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
Paid on card ($400,000 × 2.25 pts/$)900,000 pts
+ Paid through Pay.com.au ($600,000 × 2PayRewards pts/$)+ 1,200,000 pts
= Annual reward points2,250,000 pts
2. Seats this buys
Annual reward points2,250,000 pts
÷ Points per London seat
(365,800 airline points × 2.0 transfer ratio)÷ 731,600 pts
= Sydney to London Business Class return flights /year3.2 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
Paid directly on Amex, Visa or Mastercard ($500,000 × 0%, no surcharge)$0
+ Paid through Pay.com.au ($500,000 × 1.8% fee)+ $9,500
= Annual cost of points (blended 0.95% on $1,000,000)$9,500
÷ 3.2 seats earned = cost of points per seat$6,029
Change the Step 1 amounts and this line moves with them: $0 per seat if everything goes on card, $6,029 per seat if everything goes through Pay.com.au. From 1 October 2026 spend paid directly on Amex, Visa or Mastercard carries no surcharge.
+ 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 recommended pathway
Based on your Points Audit, Explore is your fit.$1M
Explore suits owners who want the capability and to stay connected to their points strategy. Platinum suits businesses expecting several Business Class reward-seat bookings this year who want the execution bundled. Black suits businesses that want the travel year delegated — Business Class travel managed for the household across the year, with change built in.
Wants the capability and to stay connected · Self-directed
Best fitWants the capability and to stay connected
Support styleSelf-directed system
Primary outcomeYour Points Travel Blueprint
Explore is the Points Travel OS — the full system that guides you through the strategy yourself. Best suited to owners who want the capability and to stay connected to their points strategy, it gives you the curriculum, partner benefits, Gold loyalty memberships, monthly group sessions, and DIY booking support.
What you get vs. what you pay
Flight savings (DIY booking) (3 × $4,501 per BC return seat)+$13,502/yr
Platinum is advisory-led Points Flight Bookings for businesses that expect several Business Class reward-seat bookings this year and want the execution bundled. $6,500 +GST/yr = $2,500 Explore Membership + $4,000 Flight Pack. Your Flight Pack covers 4 return Business Class reward seats = 8 one-way seats (for one traveller), 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
Your conservative London audit earns 3 BC return seats. Platinum's Flight Pack covers 4 return Business Class reward seats — 8 one-way seats — by mixing destinations (points stretch further on Asia or domestic routes) and applying double- and triple-dip strategies that lift your effective earn rate.
Platinum is built for businesses expecting several Business Class reward-seat bookings this year. 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
ALL Accor Gold status — 12-month ALL Accor+ Explorer membership included
+ more partner benefits
Platinum adds
Flight Pack: 4 return Business Class reward seats = 8 one-way seats (for one traveller)
Wants the travel year delegated · No seat counting · Free changes or cancellations
Best fitWants the travel year delegated
Support styleSenior flight concierge expert
Your travelManaged — no fixed count
Black is the top tier for businesses that want the travel year delegated. Your 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.
Black is built for businesses whose travel won't stay still and who want the year delegated. Try moving your spend higher or switching destinations above — Black's economics shine at higher spend on long-haul routes, with travel managed around your year.
Your Explore base — included
Personalised Points Travel OS
Pay.com.au Premium fee waiver — save $1,980/yr
ALL Accor Gold status — 12-month ALL Accor+ Explorer membership included
+ more partner benefits
Black adds
Business Class travel managed for the year — no fixed seat count, booked with your points
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 free 20-minute discovery call
Pick a time below. We’ll review your card and supplier mix, show you how to run card and Pay.com.au together now surcharges are gone, and find actual Business Class seats 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.
Steve Hui
The Points Whisperer® · Co-Founder, The Flights Club
13+
Years in points strategy
6,000+
AU business owners helped
1B+
Points redeemed
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.
What changed on 1 October 2026?
Surcharges on Amex, Visa and Mastercard payments are banned from 1 October 2026. So when you pay a supplier directly on card, you earn your card’s points with no surcharge. The points cost you nothing extra. Payments that can’t go on a card, like payroll, the ATO and rent, can still earn points through Pay.com.au for a fee (1.8% by bank transfer for 2 PayRewards points per $1). Most businesses need both running: card for the cheapest points, and Pay.com.au for everything else. The audit above shows what that’s worth to you, and your discovery call maps out how to set it up.
If card points now cost nothing, why use Pay.com.au at all?
Because card points alone rarely add up to enough. Card limits, earn caps and suppliers who won’t take a card all cap how much you can earn that way. And a Business Class reward seat has to be booked with the full points amount: you can’t pay part points, part cash. Pay.com.au turns payroll, the ATO, rent and your other bills into points, which is what gets you to full seats, year after year. Knowing how to run both, and how the numbers stack up for your business, is the advice and guidance The Flights Club membership provides.
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. And from 1 October 2026 the surcharge ban removes the fee on anything you pay directly on Amex, Visa or Mastercard — the only fees left are Pay.com.au’s, on payments that can’t go on a card. Enter what you pay on card and by bank transfer in Step 1 to see what that does to your own numbers. 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 is built for owners who want the capability and to stay connected to their points strategy, whatever their current business spend. The value scales with spend — but the structure works for growing businesses too.
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 = $2,500 Explore Membership + $4,000 Flight Pack) includes 12 months of Explore, plus advisory-led support — a Flight Pack of 4 return Business Class reward seats (8 one-way seats), and a dedicated flight concierge team. Black ($12,000+GST/yr) includes everything in Explore too, plus the full concierge experience — your 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 suits owners who want the capability and to stay connected; Platinum suits businesses expecting several Business Class reward-seat bookings this year who want the execution bundled; Black suits businesses that want the travel year delegated.
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. From 1 October 2026 suppliers can no longer surcharge Amex, Visa or Mastercard payments, so paying them directly on card costs nothing extra. Payees who don’t take cards (the ATO, payroll, rent) can be paid through Pay.com.au, which still charges its own fee.
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.
