BusinessChoice Rewards Platinum
Turn everyday business spend and tax payments into Qantas Points. Plus, receive complimentary insurance, personal concierge service and more.
Special offers
Earn 100,000 Bonus Qantas Points
Earn 100,000 Bonus Qantas Points when you spend a minimum of $8,000 on eligible business purchases within 90 days of opening a new BusinessChoice Rewards Platinum credit card.
This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.
$0 Qantas Business Rewards joining fee.
Not already a Qantas Business Rewards member? We’ll save you time and money by waiving the fee and enrolling your business for you.
Tap into more benefits with a Westpac BusinessChoice Rewards Platinum credit card
Qantas Business Rewards
Earn Qantas Points twice, with Qantas Business Rewards and Qantas Frequent Flyer.
Complimentary Insurances1
From travel to purchases we have you covered with our platinum insurance benefits.
Personal Concierge Service
Priority access, upgrades, savings with dedicated expert support 24/7.
Why choose a Westpac BusinessChoice Rewards Platinum credit card?
Add up to 99 cards
Set individual credit limits for each card and reconcile payments easily with your billing account statement.
Business Money Tools
Spend less time on business admin with bank feeds2 and Westpac money tools.
How to Apply Online
You can apply online if your business structure is a partnership, Australian proprietary company, Australian public company or incorporated association, meets eligibility criteria and is not a corporate trustee of a self-managed super fund. For other business structures please contact one of our business specialist on 132 142.
Rewards and Extras for BusinessChoice Rewards Platinum Credit Cards
For every $1.50 spent on eligible purchases with a BusinessChoice Rewards Platinum credit card, you will earn 0.75 Qantas Points as follows:
To earn Qantas points, the Business must be a member of the Qantas Business Rewards program.
International merchants |
0.75 points |
| Australian merchants | 0.75 points |
| Government payments | 0.5 points |
| Points earned per statement cycle | Up to 100,000 |
Statement cycle limit resets each month based on your facility’s statement date. Bonus Points earned are not part of your statement cycle limit.3
Rates and Fees
With a BusinessChoice Rewards Platinum credit card you can request a credit card limit between $2,000 and $250,000.
Fees |
Amount |
|---|---|
| Variable Purchase rate | 20.24% |
| Variable Cash rate | 20.24% |
| Card Fee (per year) |
$150
|
| Foreign transaction fee | 3% A Foreign transaction fee is payable as a percentage of the Australian dollar value. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash Advance Fee | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.
|
Frequently asked questions
A business credit card can have personal or business liability. This just means who will repay transactions made on the credit card.
- Personal Liability. The business owner is personally responsible for all transactions on the credit card account. It’s suited for small businesses (including sole traders) where the business owner takes personal responsibility for the balance owing on the credit card account.
Applying for Personal Liability
For Personal Liability you will need to provide details of your individual income, employment, personal expenses and liabilities.
- Business Liability. The Business is liable for the payment for all transactions on the facility. It’s suited for business entities where the owners or other responsible individuals would prefer the business, rather than themselves to be liable for the balance owing on the facility.
Applying for Business Liability
For Business Liability applications you will need to provide details of the Businesses income, expenses, liabilities and assets together with supporting information.
An eligible purchase is a transaction made using a business credit card to earn rewards points.
You will not earn points on the following transactions:
- BPAY payments,
- Balance Transfers
- Cash Advance
- Interest and other bank fees and charges
- Government charges (other than GST payable in connection with the purchase of goods or services on which you earn points)
- Purchase refunds and other credits such as cash back, made to your business credit card
Please read the full BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 115KB) for more details.
Yes. Qantas Business Rewards points can be redeemed for flight upgrades, accommodation, car hire and merchandise from Qantas Marketplace
The Bonus Qantas Points offer is available to new customers who apply for a new BusinessChoice Rewards Platinum credit card facility and spend a minimum of $8,000 on eligible business purchases within 90 days from account open.
This offer is not available to any customer: which currently holds or has closed any Westpac business credit card within the last 18 months; or switches or upgrades from another Westpac business credit card facility.
For full terms and conditions of the bonus points offer please refer to:
For customers who meet the offer criteria. Bonus Points will be credited to the relevant Qantas Business Rewards Account within 85 days and if the facility is in good standing at the time bonus points are issued.
For full terms and conditions of the bonus points offer please refer to:
Qantas points can be viewed by logging into the Qantas Members Qantas Business Rewards Account.
Help when you need it
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
Find out what information you need to provide to become a Westpac customer.
Annual Card Fee: For BusinessChoice Rewards Platinum and BusinessChoice Everyday credit cards, an annual Card Fee is payable for each card associated with the facility.
2. Read the Westpac Online Banking Terms and Conditions (PDF 899KB) before making a decision. Not all accounts* are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.
Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds. The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges. Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.
*Currently Business Credit Cards and Business Term Deposits accounts aren’t available for third-party service provider’s except MYOB. This may be extended to other third-party service providers in the future.3. Earning and redeeming Qantas Points: To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account (Qantas Point earn rates may vary between Qantas Partners). Qantas Partner conditions and earning thresholds apply. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. A joining fee may apply. You do not earn Qantas Points on use of a card or card account where for that statement period, a Billing Account or card account is in arrears or over limit at the end of that statement period. Any Qantas Points earned in that relevant statement period will be forfeited.
^Points Cap: For BusinessChoice Rewards Platinum cards, earn 0.75 Qantas Points per $1.50 spent on eligible business purchases and 0.5 Qantas Points per $1.50 spent on Government payments up to a maximum of 100,000 Qantas Points per facility per month. This limit resets each month based on your facility’s statement date. Bonus Points earned are not a part of your monthly cap.
Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com.
Information correct as of 26th October 2026.