Prospa RewardsEarn points on every business move

A rewards platform built for small businesses
Start earning points
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How to earn with Prospa Rewards

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Earn as you go

Make eligible payments to the ATO, BAS and more — if your business pays it, chances are you can earn points from it.
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Grow your Prospa Reward Points

More payments = more Prospa Points with one place to track and redeem through the Prospa App.

Redeem your way

Use your Prospa Points for business essentials, gift cards, or convert to Qantas Points.

Make payments. Earn points.

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Earn Prospa Reward Points for making business payments

Earn 1 Prospa Point for every $1 spent with Pay by Card. Excluding fees.
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A rewards program built for small business

Flexible, practical rewards you can use to reinvest in your business, team or travel.
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Qantas Business Rewards

Convert 2 Prospa Reward Points for 1 Qantas Point.
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A platform that grows with you

As we add more payment methods, Rewards stay as the central place to earn points.

Stack points

Every time you make payments your points build fast. You can convert your Reward Points to quickly grow your Qantas Point balance

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Prospa Rewards partners

Redeem the points you earn through a network of partners offering practical, flexible options to support your business goals.

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Qantas Business Rewards

Convert 2 Prospa Reward Points for 1 Qantas Point. Use Qantas Points to book business flights, request upgrades, or purchase business equipment from the Qantas Marketplace*.
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Gift cards coming soon

Choose from a range of gift cards for popular brands. From Bunnings, Officeworks, Kmart and many more.

Value you can put back into your business

Use your rewards to make your business and life better.

Use them to:

  • Reinvest in your business
  • Reward your team
  • Visit clients, factories and suppliers

You choose how the value comes back to you.

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Looking to earn Qantas Points on business funding?

When you take out an eligible Prospa Business Loan or Business Loan Plus, you can choose to add Qantas Points to your loan.

Eligible customers earn 1 Qantas Point for every $1 funded, up to 500,000 Qantas Points per loan. This is a feature of the loan product, not part of Prospa Rewards.

Find out more

Redemption Terms – Qantas Business Rewards x Prospa

Background:
These Prospa Redemption Terms set out the terms that apply when you convert Prospa Rewards Points to Qantas Points (“Conversion”). These Redemption Terms form part of the Prospa Rewards Program Terms and Conditions. By submitting a conversion request, you agree to be bound by these Redemption Terms. Prospa may change these Redemption Terms including conversion rate at any time in accordance with the Prospa Rewards Program Terms and Conditions.

Eligibility to convert:
You may submit a conversion if you have an active Qantas Business Rewards account that is either already connected, or is connected as part of the conversion process, to your Prospa Account in the manner made available by Prospa from time to time, and the ABN on your Qantas Business Rewards account matches the ABN on your Prospa Account (“Linked Account”). You are responsible for ensuring that the details of your Linked Account are accurate, current and remain up to date.

Conversion rate:
Prospa Rewards Points may be converted to Qantas Points at a rate of two (2) Prospa Rewards Points for one (1) Qantas Point. Each conversion request must be for a minimum of 2,000 Prospa Rewards Points.

How conversion works:
Conversions must be made in whole increments of 2 Prospa Rewards Points. Conversions must be initiated by you through your Prospa Account. Once a conversion request is accepted by Prospa, the relevant number of Prospa Rewards Points will be deducted from your Points Balance immediately, and Qantas Points will be credited by Qantas to your Linked Account after processing.

Processing may be subject to verification, system availability, compliance checks and third‑party dependencies. Prospa does not guarantee that Qantas Points will be credited to the Linked Account within any particular timeframe.

Qantas Business Rewards:
Qantas Points are issued under the Qantas Business Rewards program operated by Qantas. Participation in Qantas Business Rewards (including the earning and use of Qantas Points) is subject to the Qantas Business Rewards Terms and Conditions. Qantas Business Rewards may charge fees, including a one‑off joining fee (currently $89.50 including GST), which may be waived for eligible Prospa Rewards members in accordance with applicable offers.

Any enquiries or claims relating to Qantas Points once issued to a customer’s Qantas Business Rewards account, including their redemption or use, must be made directly with Qantas through Qantas Business Rewards. Prospa does not issue, own or control Qantas Points and is not responsible for the redemption, availability or use of Qantas Points. Prospa will facilitate the conversion of eligible Prospa Rewards Points into Qantas Points.

Privacy:
To facilitate conversion, Prospa may disclose limited information to Qantas in accordance with its Privacy Policy. By submitting a conversion request, you consent to this disclosure and confirm that you have obtained any required consents from your Authorised Users.

Last updated: 27/04/2026

*For payments on Sunday, funds will be received on Tuesday.

*The minimum balance that can be converted to Qantas Points is 2,000 Prospa Points. Conversions are subject to eligibility and may take up to 48 hours to process. Prospa Points converted cannot be reversed once submitted. Additional terms and conditions may apply. Use Qantas Points across flights, upgrades and other rewards for your business with Qantas Business Rewards.