Turn business payments into a considered travel plan.
One person taking one return trip = one seat. The plan selects outgoing spend and evaluates switching all eligible card receipts.
Payment rewards + card rewards on the same eligible spend.
Card acceptance · 1 airline point / $1 · 2.59%.
Enter the fees you already pay on the same eligible volume. Only the change in fees counts in the savings comparison. Zero means no existing fees are credited.
Estimated airline points / year
One traveller per seat
YOUR BUSINESS. YOUR DESTINATIONS.
All trips depart Sydney in Business Class. Choose a region, annual return trips and travellers.
Illustrative airline points per person, return, using representative routes for each region. Actual requirements vary by destination and availability. Earnings and balances must be compatible; different programs are not pooled.
Your supplied London comparison · per return seat
Fixed illustration, separate from your calculated costs above.
Direct spend must be outside the business-expense total. Partner earnings can include eligible fuel, insurance, software or paid travel rewards. Add only confirmed airline points earnings and incremental costs. Bonuses count in the modelled year only; qualifying spend must not be counted twice.
The 1% card processing fee is a custom modelling assumption, not a verified provider quote. The 2.5:1 setting is a same-program sensitivity scenario, not permission to pool different airlines’ points. Card acceptance rates vary by card type; adjust for your mix. All entered expenses are assumed eligible. Fees are modelled on principal amounts; fee-on-fee effects and points on fees are excluded. Zero annual, booking or consulting fees means these costs are excluded.
The travel-needs plan minimises modelled fees for the achievable seat target by adjusting outgoing spend and comparing a full card-acceptance switch with no switch. Other earning inputs and fixed fees remain included. Full potential uses all entered volume and assumes every whole return seat can be used. Existing fees on the selected volume are credited back. Unused points have no assigned cash value. No interest, tax deductions or GST credits assumed. Flight value is not a cash payout.