Business credit cards

Altitude Business Rewards Terms and Conditions (PDF 2MB)

Altitude Business Credit Cards Conditions of Use (PDF 151KB)

BusinessChoice Cards Terms and Conditions (PDF 236KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 85KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB)

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

*Bonus points promotion Altitude Business Gold Mastercard, Altitude Business Platinum Mastercard and BusinessChoice Rewards Platinum Mastercard: The respective bonus points promotions are available when you apply and are approved for a new Altitude Business Gold Mastercard, Altitude Business Platinum Mastercard or BusinessChoice Rewards Platinum Mastercard credit card between 31st May 2019 and 28th August 2019, and spend the minimum amount of $3,000 on eligible purchases within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Business Rewards Points will be added to your points balance within 90 days after you meet the eligible spend criteria. This offer does not apply for additional cardholders being added to an existing Altitude Business Gold, Altitude Business Gold Mastercard, Altitude Business Platinum, Altitude Business Platinum Mastercard, BusinessChoice Rewards Platinum card facility or BusinessChoice Rewards Platinum Mastercard card facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another Altitude Business, Altitude Business Gold, Altitude Business Gold Mastercard, Altitude Business Platinum, Altitude Business Platinum Mastercard, BusinessChoice Rewards Platinum or BusinessChoice Rewards Platinum Mastercard credit card account within the last 12 months are ineligible for this offer. Qantas Business Rewards Points earned during a statement cycle are added to your Qantas Business Rewards Points balance on a monthly basis.

^Discounted annual card fee in first year promotion Altitude Business Gold Mastercard and Altitude Business Platinum Mastercard: The discounted first year annual card fee promotion is available when you apply and are approved for a new Altitude Business Gold Mastercard, or Altitude Business Platinum Mastercard between 31st May 2019 and 28th August 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

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.

**Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac Altitude Business Platinum Mastercard or Altitude Business Gold Mastercard credit card between 18 July 2016 and 28th August 2019 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. 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 variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the 12 month 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 other card 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 for this offer.

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 2MB). 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.

Qantas Business Rewards membership: A business must be an 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. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at qantas.com/business.

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.

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