Free 60-second Points Audit for business owners

Discover how much Business Class value is hidden inside your business expenses.

Your business already pays suppliers, payroll and the ATO. See what those payments could unlock when points are used properly.

From 1 October 2026 Merchants can no longer add a card surcharge on covered card payments, so paying a supplier on a points-earning card carries no surcharge.

Start my Points Audit ↓

Already holding points? Value your balance

Step 1 of 4 — How your business pays

How does your business pay its bills each year?

Two rough numbers are all it takes, and you can change them any time. Bank transfers earn points too, through Pay.com.au, for a small fee.

Your card’s annual fee isn’t included. Earn caps and some payees’ own processing fees can still apply.

Paid on card No surcharge

Suppliers, stock, software and ads on Amex, Visa or Mastercard (2.25 points per $1 on a typical Amex business card).

a year

$0 $250K $1M $5M $10M

Paid by bank transfer 1.8% via Pay.com.au

Payroll, ATO/BAS, rent and contractors by EFT, via Pay.com.au. Loan repayments and interest usually don’t count.

a year

$0 $250K $1M $5M $10M

Total paid out $1,000,000 a year → 2,100,000 points a year before any other earning opportunities

How card + Pay.com.au work together

Starts from an example of A$1M a year across card and bank transfer. Change the numbers above to see your own.

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.

Why you need both running

Card alone 1.2 London return seats a year

Card + Pay.com.au 2.9 London 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 in the Travel Wealth System.

Across both, your cost of earning is 1.08% of spend.

Step 2 of 4 — Pick an example destination

Where would you fly Business Class?

Seat cost with points versus cash. All flights priced ex-Sydney.

Your $1M earns 2.9 Sydney → London return flights — in Business Class, per year

Cash price each

$12,000

Using points each

$6,590

You save each

$5,410

Cost basis: card spend carries no surcharge; bank transfers via Pay.com.au cost 1.8% and earn 2 PayRewards points per $1. Taxes on each flight are included.

Step 3 of 4 — Your numbers

Here’s what your spend could book.

Business Class return seats you could book a year

2.9

London return seats a year

Running both is what makes it work. Card spend keeps each London Business Class return seat to $6,590 (versus $7,774 if everything went through Pay.com.au), and Pay.com.au lifts you from 1.2 to 2.9 seats a year.

We kept this conservative: 2.25 points per $1 on card and 2 per $1 through Pay.com.au (about 1 airline point per $1 once transferred). Some set-ups earn more, and we’ll check yours on the call.

Want this working in your business?

In a free 20–25 minute Discovery Call we review your card and supplier mix and search live availability on your routes with you.

Book my free Discovery Call → Or book directly on Calendly ↗ Or see the full maths first ↓

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.

1. Reward points earned

Paid on card ($400,000 × 2.25 pts/$) 900,000 pts

+ Paid through Pay.com.au ($600,000 × 2 PayRewards pts/$) + 1,200,000 pts

= Annual reward points 2,100,000 pts

2. Seats this buys

Annual reward points 2,100,000 pts

÷ Points per London seat (365,800 airline points × 2.0 transfer ratio) ÷ 731,600 pts

= Sydney to London Business Class return flights /year 2.9 seats

2 Sydney to London Business Class return flights you can book this year, plus 636,800 leftover points (0.87 of a 3rd seat). With the right strategy — which the Travel Wealth System teaches — leftover points carry forward toward your next seat (subject to your program’s expiry rules).

3. What each seat costs you

Paid directly on Amex, Visa or Mastercard ($400,000 × 0%, no surcharge) $0

+ Paid through Pay.com.au ($600,000 × 1.8% fee) + $10,800

= Annual cost of points (blended 1.08% on $1,000,000) $10,800

÷ 2 whole seats you can book = cost of points per seat $5,400

Change the Step 1 amounts and this line moves with them: $0 per seat if everything goes on card, $6,584 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) + $1,190

= Cost per Business Class return seat $6,590

4. What you save

	Per seat	× Seats	= Annual
Cash retail price	$12,000	2	$24,000
− Your cost using points	$6,590	2	−$13,180
= You save	$5,410	2	$10,820

You earn 1 Sydney to London Business Class return seat every 4.2 months.

Today

12 months

Your estimated value each year.

$10,820

Per year

Same business, same expenses. Estimates based on your inputs and the audit’s conservative baseline.

Choose how much help you want

Your next step in Travel Wealth

Your calculator estimates what your points could make possible. Choose the level of learning, guidance or managed travel support that fits you. The figures are not guaranteed flights or membership returns.

I want the skills and a plan to book better flights.

Travel Wealth System

A$3,497 + GST · one-time programme

28-day learning programme

Best fitLearn to plan and redeem points for your own travel

Support styleFounder-led learning, tools, clinics and community

BookingPersonal flight search and booking are separately charged

Build your own Travel Wealth strategy in 28 days, using your real business spend and a trip you want to take. Learn how to earn, transfer and use points, assess reward-seat availability and decide when to book, watch, change route or pay cash. This is an education programme, not a promise of seats.

Four weekly missions, journal, worksheets, replays and live guidance
12 months of Circle community access and follow-up clinics
A$250 Flights Club Travel Agency credit for eligible cash travel bookings; conditions apply
Eligible pay.com.au Premium membership fee waiver (A$1,980 annual reference value); transaction and points fees remain separate
Everlab Baseline priority access; published A$299 retail reference, not a waived fee
Max Miles access, subject to eligibility and provider terms; miles are not included
Points, airline taxes and any Find & Book service fees are separate

Explore the System →

I want to stay involved, with experts beside me.

The Club

A$6,500 + GST · upfront first-year package

Guidance and community

Includes28-day Travel Wealth System + 12 months Club membership

SupportBooking Guidance, Travel Design and community

Find & BookOptional, separately paid member-rate service

The Club helps you keep your travel plans moving through expert guidance, ongoing education, community and travel planning. Booking Guidance helps you assess options and book independently. When you want our team to search and book, the separate Find & Book service is available at member rates. No flight bookings or reward seats are included in the membership.

Travel Wealth System for new members, community, clinics and Travel Design
Booking Guidance for reward seats you find
Find & Book: A$1,000 per passenger return or A$500 one-way; international service fees have no GST
Member saving: A$900 against standard long-haul return Find & Book fees, or A$300 on selected Asia returns
A$500 annual Flights Club Travel Agency credit for eligible cash travel bookings; conditions apply
Eligible pay.com.au fee waiver, Everlab priority access and Max Miles access, subject to partner terms
Points, taxes, miles and any separately purchased booking services are additional

Explore The Club →

I want someone to manage more of the travel process.

Black

A$12,000 + GST / year

A managed Travel Wealth relationship

Best fitPrefer a managed approach to points and travel

SupportNamed relationship lead and coordinated planning

BookingSearch, booking and changes within agreed fair-use scope

Black provides managed planning, reward-flight searching, bookings and changes within your agreed annual service and fair-use scope. Your named relationship lead coordinates the work, with points used when they make sense and paid fares considered when they do not. Reward seats are subject to availability.

The Travel Wealth System and Club community benefits
Named relationship lead, travel planning and periodic reviews
Managed reward-flight search, booking and changes within the agreed scope
A$750 annual Flights Club Travel Agency credit for eligible cash travel bookings; conditions apply
Black Circle experiences and relevant partner access, subject to terms
Airline points, taxes, carrier charges and third-party purchases are separate

Explore Black →

Want to talk through your results?

✓

The call IS: a discussion of your travel goals, points strategy and the level of help you want.

The call is NOT: a guarantee of available reward seats or a promise of a particular saving.

Talk to The Flights Club team about your next step.

Figures are illustrative estimates only. Reward-seat availability, airline prices and taxes, transfer ratios, payment costs and eligibility vary. No programme or membership guarantees the illustrated savings or seats.

Your next step

Book your free 20–25 minute Discovery Call

Pick a time that suits you.

Open Calendly in a new tab ↗

Or choose a time in the calendar below.

Calendar not displaying correctly? Book directly on Calendly ↗

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

Already holding points? Value your balance

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

Your total points 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) using a sample London Business Class return fare of $12,000. 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.

Email yourself your Audit Summary.

Now that you have seen the earning pace and your options, keep your estimated savings, preferred destination, and next steps in one tidy summary for later review.

Steve Hui The Points Whisperer® · Co-Founder, The Flights Club

13+

Years in points strategy

6,000+

business owners helped

1 billion+

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.

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 part of what the Travel Wealth System teaches.

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 Discovery Call covers the specifics for your home airport.

What about the payment fees — don't they cancel out the value?

Not any more. 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. Card annual fees and some payees' own processing fees can still apply. The calculator above shows the Pay.com.au cost and the points you could earn on your own numbers; it is an estimate only.

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). The Travel Wealth System teaches you how to find and assess options. The Club offers Booking Guidance and separately priced Find & Book assistance. Black provides managed search and booking within an agreed scope.

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. Even then, DIY business owners often don't know whether they're doing it right — because there's no benchmark for what "good" looks like. IFLYFLAT gives you the experience Steve Hui has built since 2012 and a personalised points plan, 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. The Travel Wealth System is built for owners who want the capability, 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 the Travel Wealth System, The Club and Black?

The Travel Wealth System (A$3,497 + GST, one-time) teaches you how to build a points strategy and plan your travel. The Club (A$6,500 + GST upfront) combines the 28-day System with 12 months of membership, Booking Guidance, community and optional, separately paid Find & Book services; it does not include flight bookings. Black (A$12,000 + GST per year) provides managed planning, searching, booking and changes within your agreed fair-use scope. Points, airline taxes and third-party purchases are separate. Choose the level of help that fits you.

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 used for your business travel. Reward seats can usually be booked for other people, depending on your program's rules; we'll check yours. Only Black Global members can use their flight inclusions to book for team and clients, and only with their own points. Black is managed within an agreed fair-use scope, with no per-booking meter within that scope.