Empower your business with every swipe

Business credit cards

Whether you want rewards that benefit your business or low rates that keep your finances lean. There’s a credit card to support your business needs.

Compare credit cards Continue application

I want to

Why choose a Westpac business credit card?

Reduce admin time

Make tax reporting and business accounting simpler. Use data feeds to accounting software with MYOB.
 

More on bank feeds

Reward your spending

Earn points on eligible purchases including government payments. Choose either a Qantas or Altitude Rewards card. 
 

Compare rewards cards

 

Purchase interest-free

Make the most of your business's finances. Get up to 55 days interest-free on purchases for your business.
 

Choose a business card

Award winning App

With safety features and cashflow tools, the Westpac App* helps make it easier to manage your business finances.
 

Explore the Westpac App

Find a business credit card that’s right for you

  • Altitude Business Platinum Mastercard

    ALTITUDE BUSINESS PLATINUM MASTERCARD®

    Special offer: Earn up to 150,000 Altitude Reward Bonus Points

    Personal liability credit card with $5,000-$150,000 credit limit.

    $200
    Annual card fee
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Altitude Rewards Points (uncapped)
    • Tick - Earn from 0.5 to 2 points per $1 spent (conditions apply)
    • Tick - Frequent Flyer Program (transfer points to 5 different frequent flyer programs)
    • Tick - Personal Concierge Service
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to two cardholders at no extra cost
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Find out more
  • Altitude Business Gold Mastercard

    ALTITUDE BUSINESS GOLD MASTERCARD®

    Featured special offer: $0 Annual card fee for the first year

    Personal liability credit card with $1,000-$80,000 credit limit.

    $150
    Annual card fee
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Altitude Rewards Points (capped at 20,000/statement cycle)
    • Tick - Earn from 0.5 to 1 point per $1 spent (conditions apply)
    • Tick - Frequent Flyer Program (transfer points to 5 different frequent flyer programs)
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to two cardholders at no extra cost
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Find out more
  • BusinessChoice Rewards Platinum Mastercard

    BUSINESSCHOICE REWARDS PLATINUM MASTERCARD®

    Special offer: Earn up to 100,000 Qantas bonus Points

    Business liability credit card with $2,000-$250,000 credit limit.

    $150
    Annual card fee (for each card)
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Qantas Rewards Points (capped at 100,000/statement cycle)
    • Tick - Earn from 0.75 point per $1.50 spent (conditions apply)
    • Tick - Frequent Flyer Program (Qantas only)
    • Tick - Personal Concierge Service
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to 99 cardholders
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more
  • BusinessChoice Everyday Mastercard

    BUSINESSCHOICE EVERYDAY MASTERCARD®

    Special offer: spend $15,000 in any year for the Annual card fee to be waived in the next year

    Business liability credit card with $2,000-$250,000 credit limit.

    $75
    Annual card fee (for each card)
    14.25%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Our lowest annual Card Fee
    • Tick - Our lowest interest rate on purchases
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to 99 card holders
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more

How the special offers work

Altitude Gold card

Altitude Business Gold Mastercard

$0 Annual card fee for the first year

  • Saving you $150 in the first year for an Altitude Business Gold Mastercard.
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 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.

4.99% p.a. for 12 months on balance transfers

  • Requested at card application
  • Rate then switches to variable cash advance rate
  • T&Cs apply.
     
Balance transfer promotion: The promotional balance transfer rate is available when you apply and are approved for a new Westpac Altitude Business Gold Mastercard credit card and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for 12 months from card activation, unless the amount is paid off earlier. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. 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 other card account(s). The variable cash advance interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer. This offer may be withdrawn at any time.

Altitude Business Platinum Mastercard

Earn up to 150,000 Altitude Reward Bonus Points

  • Available to new applicants 
  • Approved applicants must meet offer criteria
     

Up to 150,000 Altitude Rewards Bonus Points Offer (‘Bonus Points’) is available for new Altitude Business Platinum credit card applications which have been approved between 28 January 2026 and 30 April 2026 and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 60 days, from card approval to receive 100,000 Altitude Bonus Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 50,000 Altitude bonus points if your account remains open and active for more than 15 months, from card activation. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your account being active. If you do not meet the minimum spend within 60 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for 50,000 bonus points in the second year, if your account is active and not in default.

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account.

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 60 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to Altitude Business Rewards Terms and Conditions  (PDF 120KB)and Altitude Business Credit Card Conditions of use (PDF 498KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

BusinessChoice Rewards Platinum Mastercard

Earn up to 100,000 Qantas Reward Bonus Points

  • Available to new applicants
  • Approved applicants must meet offer criteria
     

Up to 100,000 Qantas Business Bonus Points Offer (‘Bonus Points’) is available for new BusinessChoice Platinum Rewards credit card applications which are approved from 28 January 2026  and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 90 days, from card approval to receive 70,000 bonus Qantas Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 30,000 Qantas Bonus Points if your account remains open and active for more than 15 months, from card activation. If you do not meet the minimum spend within 90 days of card approval, you forfeit the initial 70,000 bonus points only. However, you are still eligible for 30,000 bonus points in the second year, if your account is active and not in default. 

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account. 

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 90 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to BusinessChoice Terms and Conditions  (PDF 555KB)and BusinessChoice Rewards Platinum Qantas Rewards Terms and Conditions (PDF 115KB).  This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

Qantas Business Rewards program one-off joining fee waived

  • Save the $89.50 program joining fee
  • For new cardholders only.
     
Qantas Business Rewards membership: A business must be a Qantas Business Rewards Member to earn Qantas Points for the business. A one-off joining fee usually applies (currently $89.50 including GST), however businesses that are not members of Qantas Business Rewards program at the time of application for a BusinessChoice card facility will be offered complimentary membership upon approval of a new Westpac BusinessChoice Rewards Platinum Mastercard credit card facility. This offer may be withdrawn at any time. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at  qantas.com/business.

BusinessChoice Everyday Mastercard

Annual Card fee to be waived in the next year

  • Spend $15,000 or more on a specific card in any year
  • Annual Card Fee, usually $75, will be waived on that card in the next year.
     

To be eligible for this offer: 

  • You must spend $15,000 or more on a specific card each year ending 30 June
  • Applies to up to 99 cards associated with the facility.

How are Rewards Points calculated?

Altitude Points
Altitude Points per eligible $1 Altitude Business Platinum Altitude Business Gold

Mastercard (overseas merchants)

 2 points 1 point
Mastercard (Australian merchants) 1 point 1 point
Government payments 0.5 points 0.5 points
Points cap Uncapped 20,000 per statement cycle
Bonus Points 150,000 n/a

 

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.


Up to 150,000 Altitude Rewards Bonus Points Offer (‘Bonus Points’) is available for new Altitude Business Platinum credit card applications which have been approved between 28 January 2026 and 30 April 2026 and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 60 days, from card approval to receive 100,000 Altitude Bonus Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 50,000 Altitude bonus points if your account remains open and active for more than 15 months, from card activation. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your account being active. If you do not meet the minimum spend within 60 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for 50,000 bonus points in the second year, if your account is active and not in default.

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account.

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 60 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to Altitude Business Rewards Terms and Conditions  (PDF 120KB)and Altitude Business Credit Card Conditions of use (PDF 498KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

Qantas Points per eligible $1.50: BusinessChoice Rewards Platinum

Mastercard (overseas merchants)

 0.75 points
Mastercard (Australian merchants) 0.75 points
Government payments 0.5 points
Points cap 100,000 per statement cycle
Bonus Points 100,000

This limit resets each month based on your facility’s statement date. Bonus Points earned are not a part of your monthly cap.

 

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. 

Up to 100,000 Qantas Business Bonus Points Offer (‘Bonus Points’) is available for new BusinessChoice Platinum Rewards credit card applications which are approved from 28 January 2026  and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 90 days, from card approval to receive 70,000 bonus Qantas Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 30,000 Qantas Bonus Points if your account remains open and active for more than 15 months, from card activation. If you do not meet the minimum spend within 90 days of card approval, you forfeit the initial 70,000 bonus points only. However, you are still eligible for 30,000 bonus points in the second year, if your account is active and not in default. 

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account. 

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 90 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to BusinessChoice Terms and Conditions  (PDF 555KB)and BusinessChoice Rewards Platinum Qantas Rewards Terms and Conditions (PDF 115KB).  This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

Frequently asked questions

What’s the difference between Personal and Business liability?

A business credit card can have personal or business liability. This just means who will repay transactions made on the credit card. 

  1. 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 and partnerships) 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. 

  2. 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. 


More on understanding liability

With Westpac it can take as little as 10 minutes to apply online. If you’re eligible, you could receive your card(s) within a week. If you’re not yet a customer it’ll take longer, because we’ll need to verify the details you provide about you and your business finances.

We’ll need to verify the details you provide about you and the financial situation of your business. A minimum income applies.

You can convert your Altitude Points into frequent flyer points in 5 popular frequent flyer programs:

  • Qantas Frequent Flyer
  • Virgin Australia Velocity
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

The complimentary insurance on an eligible Westpac credit card is provided by Allianz, not Westpac. This insurance covers:

Travel insurance

  • International Travel Insurance 
  • Interstate Flight Inconvenience Insurance 
  • Overseas Transit Accident Insurance 

Purchase Insurance

  • Purchase Protection Insurance 
  • Extended Warranty Insurance 

Business Insurance

  • Account holder's Unauthorised Transaction insurance
     
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 1MB) /   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.

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

Earn 0.5 points per dollar spent on government payments. This includes payments to the Australian Tax Office (ATO). You could get these points with these rewards credit cards:

  • Altitude Business Platinum Mastercard,
  • Altitude Business Gold Mastercard 
  • BusinessChoice Rewards Platinum Mastercard.

Help when you need it

Other business products

Handy guides

Managing cards online

Explore all business credit cards

Not sure which credit card suits your business needs?

Compare credit cards

Give us a call

132 142

8am – 8pm (Sydney time), Mon – Fri

Find a branch

Visit your local branch

Things you should know

Altitude Business Credit Cards Conditions of Use (PDF 498KB)

Altitude Business Rewards Terms and Conditions (PDF 120KB)

BusinessChoice Cards Terms and Conditions (PDF 555KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 115KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 1MB)

Online Banking Terms and Conditions (PDF 288KB)

Commercial Cards Complimentary Insurance Policy (PDF 160KB)

 

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

 

*This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the Forrester website.

 

Bank feeds: Not all accounts are eligible to be included in a bank feed. 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. 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.

 

Up to 150,000 Altitude Rewards Bonus Points Offer (‘Bonus Points’) is available for new Altitude Business Platinum credit card applications which have been approved between 28 January 2026 and 30 April 2026 and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 60 days, from card approval to receive 100,000 Altitude Bonus Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 50,000 Altitude bonus points if your account remains open and active for more than 15 months, from card activation. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your account being active. If you do not meet the minimum spend within 60 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for 50,000 bonus points in the second year, if your account is active and not in default.

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account.

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 60 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to Altitude Business Rewards Terms and Conditions  (PDF 120KB)and Altitude Business Credit Card Conditions of use (PDF 498KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

 

Up to 100,000 Qantas Business Bonus Points Offer (‘Bonus Points’) is available for new BusinessChoice Platinum Rewards credit card applications which are approved from 28 January 2026  and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 90 days, from card approval to receive 70,000 bonus Qantas Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 30,000 Qantas Bonus Points if your account remains open and active for more than 15 months, from card activation. If you do not meet the minimum spend within 90 days of card approval, you forfeit the initial 70,000 bonus points only. However, you are still eligible for 30,000 bonus points in the second year, if your account is active and not in default. 

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account. 

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 90 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to BusinessChoice Terms and Conditions  (PDF 555KB)and BusinessChoice Rewards Platinum Qantas Rewards Terms and Conditions (PDF 115KB).  This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

 

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.