Compare business credit cards

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Westpac's business credit card overview

Rewards Credit Cards Low Rate Credit Card
Altitude Business Platinum card img_BusinessGold img_BusinessChoice img_LowRate
Altitude Business Platinum Credit Cards Altitude Business Gold Credit Cards BusinessChoice Rewards Credit Card BusinessChoice Everyday Credit Card
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  • Earn uncapped Altitude Points
  • Extended complimentary insurance
  • Earn Altitude Points
  • Complimentary insurance
  • Earn uncapped Qantas Points
  • Aquire joining fee waived
  • Complimentary insurance
  • This is not a rewards card
  • Annual fee waived when $15,000+ is spent
  • Complimentary insurance

Annual fee: $295
^Special Online Only offer: $0 annual fee for first year

Annual fee: $150
^Special Online Only offer: $0 annual fee for first year

Annual fee: $150 (for each card) Annual fee: $75 waived when you spend $15,000 or more on the card in the previous year
Credit limit $20,000 to $150,000 Credit limit $1,000 to $50,000 Account credit limit from $2,000 up to $50,000 Account credit limit from $2,000 up to $100,000

Purchase variable rate: 20.24% p.a.
+Special offer: 0% p.a. on purchases for up to 12 months.

Purchase variable rate: 20.24% p.a.
+Special offer: 0% p.a. on purchases for up to 12 months.

Purchase variable rate: 18.99% p.a. Purchase variable rate: 14.25% p.a.
Up to 45 days interest free Up to 45 days interest free Up to 45 days interest free Up to 45 days interest free
4.99% p.a. for 12 months on balance transfers* requested at card application. 4.99% p.a. for 12 months on balance transfers* requested at card application.
Up to 2 cardholders with shared credit limit Up to 2 cardholders with shared credit limit Up to 10 credit cards with individual credit limits (up to business account limit) Up to 10 credit cards with individual credit limits (up to business account limit)
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A business credit card acts in much the same way as a personal credit card, but has greater advantages for business owners:

  • Better cash flow management when you use your business credit card replace cheques and to support you during the peaks and troughs of your business cycle
  • Save time by separating business from personal expenses, with additional expense management reports available
  • Flexible cardholder controls over spending limits and transactions types for employees to make business-related credit card purchases
  • Greater transaction security with protection against fraudulent use potentially covered by company liability insurance.

Other benefits, depending on which Westpac business credit card you choose, include:

  • A choice of 2 liability structures to suit your business - personal vs. joint and several liability
  • Rewards programs, including Qantas Aquire or Altitude rewards
  • Complimentary insurance on selected cards, including cover for travel and business inconvenience.


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Things you should know
  • * Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 18 July 2016 and 31 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    + Special offer: 0% p.a. on purchases for 12 months: The introductory rate of 0%p.a. on purchases for 12 months applies from card approval when you apply for a new Westpac Altitude Business Platinum or Gold Credit Card between 1 April 2014 and 31 August 2016. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special purchase rate and annual fee waiver offers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    ^ Special Online Only offer: $0 annual fee for first year: The $0 annual fee for the first year is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 1 April 2014 and 31 August 2016 and apply online at westpac.com.au or through Business Online Banking (if registered). The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.