Business credit cards

Altitude Business Rewards Terms and Conditions (PDF 113KB)

Altitude Business Credit Cards Conditions of Use (PDF 4MB)

BusinessChoice Cards Terms and Conditions (PDF 184KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 86KB)

Westpac Business Credit Cards Complimentary Insurance Policy for claim events prior to 1 October 2017 (PDF 325KB))

Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 248KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 917KB)

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

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

Special offer: $0 annual card fee for first year: The $0 annual card fee for the first year is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 30th September 2017. The first annual card 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 card fee. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.

Special online only offer: 0% p.a. on purchases: The introductory rate of 0% p.a. on purchases for 12 months is available when you apply online at westpac.com.au or through Business Online Banking (if registered) for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 30th September 2017. 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 card fee waiver offers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.

* Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 18 July 2016 and 30th September 2017 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 95% 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 113KB). 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.

Special offer: 40000 bonus Qantas Points: Apply for a new BusinessChoice Rewards Platinum Card facility between 1st February 2017 and 30th September 2017 and receive 40,000 Qantas Points within 60 days of your first purchase on any card linked to the BusinessChoice Rewards Platinum facility. This offer does not apply for additional cards being added to an existing BusinessChoice Rewards Platinum card facility. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.

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 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 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.

Complimentary insurance covers (for claim events prior to 1 October 2017): QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac Bank account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in Westpac Business Credit Cards Complimentary Insurance (Effective 1 June 2015) which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1800 091 710.

Complimentary insurance covers (effective 1 October 2017): AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017).