Business credit cards for everyday spending

Terms and Conditions

^Velocity Business Archa Partner Terms & Conditions: Archa Sign Up Offer Terms and Conditions

New Archa customers will receive a bonus of up to 250,000 Velocity Points for their business if they:

(i) successfully apply and are approved for an Archa Business Credit Card; and

(ii) link a valid Velocity Points earning business account (Velocity Business) to their Archa Rewards account, (Sign Up Offer).

The number of Velocity Points that may be earned under this Sign Up offer is based on the number of Archa Points that are earned and transferred to the linked Velocity Business account. Accrual of Archa Points is subject to the Archa Rewards Program Terms and Conditions.

Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.

Average Eligible Cards is calculated as the number of Active Cards on issue at the end of each billing period, averaged over the first three billing periods of an accountholder’s tenure as an Archa customer. An Active Card is a card that has been activated and made an Eligible Purchase during a billing period. For the purpose of calculating Archa Points under the Sign-Up Offer, Average Eligible Cards are rounded up to the nearest whole number.

Archa Points issued under the Sign-Up Offer are calculated as follows:

•  0 – 5 Average Eligible Cards will receive 100,000 Archa Rewards points (equivalent to 50,000 Velocity Points when transferred to a linked Velocity Business Account)

•  6 – 10 Average Eligible Cards will receive 200,000 Archa Rewards points (equivalent to 100,000 Velocity Points when transferred to a linked Velocity Business Account)

•  11 – 19 Average Eligible Cards will receive 300,000 Archa Rewards points (equivalent to 150,000 Velocity Points when transferred to a linked Velocity Business Account)

•  20+ Average Eligible Cards will receive 500,000 Archa Rewards points (equivalent to 250,000 Velocity Points when transferred to a linked Velocity Business Account)

~Archa Partner Terms and Conditions

Earn 1 Velocity Point for your business for every 2 Archa Rewards points transferred to your Velocity Business account. The total Points awarded is calculated by applying the Velocity Points earn rate to the number of Archa Rewards points by increments of 2. For example, 1000 Archa Rewards points would earn 500 Velocity Points. The minimum number of Archa Rewards points that can be transferred to your Velocity Business account is 2. Fractions of Velocity Points will not be allocated. Fractions of Archa Points cannot be transferred. 

Velocity Points will be awarded to the nominated Velocity Business account, which is linked to the relevant Archa Rewards account at the time of the relevant earn activity. Velocity Points will be allocated to the member’s account within 30 business days of completing the relevant earn activity, unless otherwise stated in connection with a specific campaign. Velocity Points are not exchangeable and cannot be taken as cash.

To transfer your Archa points to Velocity Points, you must be a current Velocity Business member and have linked your business’ Archa Rewards account and Velocity Business account. Membership and Points earn are subject to the Velocity Business and Velocity Frequent Flyer membership Terms and Conditions, and any changes to the Member benefits and features, including Points earn with Archa, will be governed by those Terms and Conditions. Velocity collects and handles your personal information in accordance with its Privacy Policy, and Velocity Business collects and handles your personal information in accordance with its Privacy Policy.

The Archa Business Credit Card is issued offered, issued and administered by Archa Limited ACN 614 724 355, in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval.  The Archa Rewards loyalty program is subject to the Archa Rewards Program Terms and Conditions . Archa collects and handles your personal information in accordance with its Privacy Policy.

If you link your Velocity Business membership to your Archa Rewards account, Archa may share some of your personal information with Velocity Business. Velocity Business and Archa may use your personal information for purposes related to your linked accounts, including to: (a) confirm that you are a Velocity Business member; (b) link your accounts, and (c) allow you to access details about your Velocity Business account, such as your ABN, from within your Archa Rewards account.

You can de-link or manage your linked accounts at any time through your profile in your Archa account settings, or by contacting Archa customer support directly.

*Virgin Australia Business Flyer membership is available to businesses with an active ABN/ACN and an Australian business address that spend less than $300K per annum on flights with Virgin Australia and eligible airline partners. The business cannot be a Superannuation fund, travel agent, travel management company, travel wholesaler, air travel consolidator or anyone re-selling air travel. For more information please see the Virgin Australia Business Flyer Terms and Conditions.

1. Earning Points with Virgin Australia Business Flyer: Virgin Australia Business Flyer Members can earn up to 1,000,000 Points from completed travel on eligible flights marketed and operated by Virgin Australia or marketed by Virgin Australia and operated by eligible airline partners, per annum, based on the rolling 12 month period from when the Member joins Virgin Australia Business Flyer. Points aren’t earned on certain fees, taxes, or charges.  Virgin Australia Business Flyer Terms and Conditions  apply. 

2. United Airlines Business Discounts (UA Business Discounts): As at  1 November 2023, the following discounts apply to the United Airlines and Virgin Australia base fares (which excludes fees, carrier charges and taxes) of Virgin Australia marketed and United Airlines operated flights (with a VA flight number) booked by Virgin Australia Business Flyer members (Members), which may change without notice:

Business Fares:
VA Fare Class J, C and D: 10%

Economy Fares:
VA Fare Classes Y, B, W, H, K and L: 10%
VA Fare Classes R and E: 5%

Please check the Virgin Australia Business Flyer website for current discount levels. UA Business Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process these UA Business Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team businessflyer@virginaustralia.com.

UA Business Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares, unless otherwise stated. UA Business Discounts do not apply to any bookings made via the Virgin Australia conference and group travel area, sale fares or other tactical fares offered from time to time, and bookings for children and infants. If you have any questions regarding the application of UA Business Discounts, please contact the Virgin Australia Business Flyer team. Virgin Australia Business Flyer Terms and Conditions apply.

3. Fare advantage discounts: The Fare Advantage Discount of 4% applies to Flex fares (L, K, H, W, B, Y class) operated and marketed by Virgin Australia and 6% applies to Business Class fares (D, C, J class) operated and marketed by Virgin Australia, and is available to Virgin Australia Business Flyer members. The Fare Advantage Discount levels are subject to change without notice. Please check our website for current discount levels.  Fare Advantage Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered self-ticketing Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process Fare Advantage Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team at businessflyer@virginaustralia.com.  Fare Advantage Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares. Fare Advantage discounts do not apply to any bookings made via the Virgin Australia conference and group travel area, sale fares or other tactical fares offered from time to time, and bookings for children and infants. If you have any questions regarding the application of Fare Advantage Discounts, please contact the Virgin Australia Business Flyer team.  Virgin Australia Business Flyer Terms and Conditions  apply. 

4. Thrifty Car Hire Discount: Virgin Australia Business Flyer members will receive the following benefit from Thrifty on all bookings made via the Thrifty booking portal within the Virgin Australia Business Flyer Rewards Portal or the Virgin Australia Business Flyer Booking Portal: a discount of 15-18% off the best base rate of the day on  www.Thrifty.com.au (that is, the rates on the Thrifty booking portal accessed via the Virgin Australia Business Flyer Rewards Portal or the Virgin Australia Business Flyer Booking Portal).

5. Points Transfer: Virgin Australia Business Flyer Account Administrators can transfer Points earned by the Virgin Australia Business Flyer member to a Velocity Frequent Flyer member, provided that (a) there is a minimum of 3,000 Points per transfer; and (b) the Velocity Frequent Flyer member transferee is directly employed or contracted by the Virgin Australia Business Flyer member. 

6. Pilot Gold: A new Virgin Australia Business Flyer member is eligible to receive two three-month Velocity Pilot Gold Memberships if, within the first three months of becoming a Virgin Australia Business Flyer member, it books and completes at least $2,000 of eligible travel (excluding taxes, fees and charges). For more information, please visit our website at https://virginaustralia.com/businessflyer. Virgin Australia Business Flyer Terms and Conditions and Velocity membership Terms and Conditions applyApproval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members..Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.Approval for an Archa Business Credit Card provides the account holder with the option to issue company cards in accordance with the Archa Credit Card Facility Terms which will be sent directly to the account holder upon approval. The number of Archa Points that may be earned under this Sign-Up Offer is calculated according to the average number of eligible Archa Business Credit Cards (Average Eligible Cards) issued by an accountholder to its team members.