Prospa RewardsEarn points on every business move

A rewards platform built for the benefit of small businesses
Start earning points

Switch on, redeem, repeat

Micro illustration of paying a bill with a card

Earn 1 Prospa Point for every $1 paid

Switch on Prospa Rewards for business spend to earn 1 Prospa Point for every $1 paid. Fees apply.

Redeem or convert for your reward

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

Handle business, stack points

Every time you make an eligible payment, your Prospa Points balances grows.

How to earn Prospa Points

Prospa Business Account

Open a Prospa Business Account and switch on Prospa Rewards to earn 1 Prospa Point for every $1 paid on eligible payments via BPAY, bank transfer or a Prospa Visa Business Debit Card. Fees apply.
Discover Prospa Business Account

Pay by Card

Switch on rewards when you Pay by Card using any Australian issued Amex, Visa or Mastercard. Pay your business bills – even where card payments aren’t usually accepted – and earn 1 Prospa Point for every $1 you pay. Fees apply.
Discover Pay by Card

Redeem or convert Prospa Points

Redeem the points you earn to reinvest in your business, team or travel:

  • Choose to convert 2 Prospa Points for 1 Qantas Point. Terms apply.
  • Choose to redeem Prospa Points for a range of popular gift cards.

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Get more from what you pay already

The more payments you make, the more points you can earn. The more points you earn, the more value you can put back into your business.

Ways to earn and stack
points ($1 paid = 1 Prospa Point)

Pay by Card

Rent bill: $1,000 = 1,000 Prospa Points^

Pay by Bank

Transfer
ATO tax payment: $5,000 = 5,000 Prospa Points^

Pay using your Prospa Visa Business Debit Card


Electricity bill: $1,000 = 1,000 Prospa Points^

Pay by BPAY

Inventory invoice: $3,000 = 3,000 Prospa Points^

^A 1% + GST fee applies and is charged separately per transaction while rewards are switched on. T&Cs apply.

Redeem or convert Prospa Reward Points towards

Qantas Points

Book flights, request upgrades, or purchase business equipment from the Qantas Marketplace with Qantas Business Rewards.

Popular gift cards


Select from iconic brands including Officeworks, JB Hi‑Fi, Bunnings and 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.