Rewards for business owners

Be rewarded for your business purchases with access to our Altitude Rewards program.
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Up to 2 cards

Share your credit limit with an additional cardholder.

Personal liability

Enjoy the simplicity of a liability structure ideal for smaller businesses and sole traders where the business owner takes personal responsibility for the balance owing.

Altitude Rewards program

Redeem Altitude Points for office furniture, home appliances, technology, gift vouchers and more or redeem points in six different frequent flyer programs.

Complimentary Insurances1
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply). 

Choose between our two Altitude Business cards based on your business needs

Altitude Business Platinum Mastercard®

  • $0 annual Card Fee for the first year (usually $200).2
  • $20,000 - $150,000 credit limit
  • Uncapped Altitude Points
  • Complimentary Insurances1
  • 24/7 concierge service.
Apply now Find out more

Altitude Business Gold Mastercard®

  • $0 annual Card Fee for the first year (usually $150).2
  • $1,000 - $50,000 credit limit
  • 20,000 Altitude Points cap per statement cycle
  • Complimentary Insurances1
Apply now Find out more
Things you should know

Altitude Business Rewards Terms and Conditions (PDF 120KB)

Altitude Business Credit Cards Conditions of Use (PDF 376KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB)

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.

1.  Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the  Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB) /   Commercial Cards Insurance Policy (PDF 160KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
2. Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time. 

Annual Card Fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual Card Fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual Card Fee is payable for each card associated with the facility.

Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.

Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com.

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