Business credit cards
Find a card based on your business needs
Rewards for business owners
Earn rewards points on eligible business purchases towards office furniture, home appliances, technology, gift vouchers and more or redeem points in six different frequent flyer programs.
Qantas Frequent Flyer Points
Use Qantas Points to reward yourself, your staff or your family with flights, upgrades and more.
Cards for you and your staff
Manage your employee business expenses more easily with access to up to 10 cards allowing for different credit limits to be assigned to each.
Rewards credit cards
Altitude Business Platinum
Enjoy uncapped Altitude Rewards Points earning potential plus a range of complimentary platinum insurance covers.
Current offers
- 4.99% p.a. for 12 months on balance transfers* requested at card application.
- 0% p.a. on purchases for up to 12 months, plus
- $0 annual card fee for the first year.
Conditions apply. Apply by 28th August 2018.
Altitude Business Gold
A Business credit card that give you access to the Altitude Rewards program plus complimentary insurance and purchase protection.
Current offers
- 4.99% for 12 months on balance transfers* requested at card application.
- 0% p.a. on purchases for up to 12 months, plus
- $0 annual card fee for the first year.
Conditions apply. Apply by 28th August 2018.
BusinessChoice Rewards Platinum
A joint and several liability business credit card that rewards you with valuable Qantas Points so you can reward yourself, your staff or your family.
Current offer
- 40,000 bonus Qantas Points after the first eligible purchase on a new BusinessChoice Rewards Platinum card.
Conditions apply. Open by 28th August 2018.
Start soaring with 40,000 bonus Qantas Points
With our BusinessChoice Rewards Platinum card and the Qantas Business Rewards program.
Available after your first eligible purchase when you apply by 28/08/2018. New cards only, credit criteria & conditions apply. Find out more
Low rate cards, balance transfers and limit increases
BusinessChoice Everyday
A joint and several liability credit card that helps keep your business expenses in check with a lower interest rate on purchases plus interest free days (when the closing balance is paid in full by the due date shown on your statement).
Features
- Lower annual card fee
- Lower rates
- Basic insurance
- Up to 10 cards.
Business credit card balance transfer
Consolidating your finances on to an Altitude Business credit card could save you the cost (and hassle) of maintaining several cards.
Current offers
- 4.99% for 12 months on balance transfers* requested at card application.
- 0% p.a. on purchases for up to 12 months, plus
- $0 annual card fee for the first year.
Conditions apply. Apply by 28th August 2018.
Business credit card limit increase
Increasing your limit can gives you flexibility with your cash flow to help you manage your day to day business expenses.
You can decrease your credit limit at any time. Please note, minimum card limits will apply for each credit card.
Things you should know
Altitude Business Rewards Terms and Conditions (PDF 81KB)
Altitude Business Credit Cards Conditions of Use (PDF 4MB)
BusinessChoice Cards Terms and Conditions (PDF 6MB)
BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 1MB)
Westpac Business Credit Cards Complimentary Insurance Policy (effective 1 October 2017) (PDF 238KB)
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.
Find out what information you need to provide to become a customer.
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.
Current 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 28th August 2018. 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.
Current offer: 0% p.a. on purchases: The introductory rate of 0% p.a. on purchases for 12 months is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 28th August 2018. 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 28th August 2018 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 81KB). 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.
Current offer: 40000 bonus Qantas Points: Apply for a new BusinessChoice Rewards Platinum Card facility between 1st February 2017 and 28th August 2018 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 (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).