BUSINESS CREDIT CARDS
Simplify business expenses with a dedicated credit card, choosing between rewards points and low interest.
Rewards Business cards
I want rewards points to turn eligible business purchases and tax payments into rewards, plus complimentary insurance.
Low Rate Business cards
I want a low rate credit card to help me manage my day-to-day business expenses and cash flow.
Why choose a Westpac business credit card?
Make tax less taxing
Westpac's Online Banking and bank feeds4 streamline tax reporting, freeing you to accelerate business growth.
Reward your spending
Earn points on every eligible purchase including government payments with a rewards business credit card.
55 days interest-free
Take advantage of up to 55 days interest-free on business purchases to maximise your financial flexibility.
#1 Banking App
The Westpac App has features to help you budget, save and stay on top of your business finances*.
Frequently asked questions
When you purchase something for your business with a debit card, the money is deducted from the bank account the card is linked to. The advantages of a business debit card are convenience, you don’t need to carry cash, and you can keep track of your business purchases.
With a credit card purchase you are ‘borrowing’ the money with the intention of repaying it at a later date, or in instalments – so it helps support your cash flow. The advantages are the same as with debit cards, plus with credit cards you may receive rewards and/or insurance. Interest, fees and charges apply, which vary by card.
Westpac offers both business credit cards and a business debit card.
You have a wide variety of business credit card types to choose from and in terms of which to choose, much will depend on the offer that works best for your business. The two main types are:
- Rewards business credit cards (that reward purchases with airline and/or other points)
- Everyday business credit cards (that generally offer lower interest rates).
Some cards incur an annual fee and others don’t, and the interest free period on purchases can vary. You can compare the features of Westpac credit cards using our handy business credit card comparison tool.
With Westpac it can take as little as three minutes to apply online and a week to receive your card(s), assuming you’re eligible. If you’re not yet a customer it will 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, and a minimum income applies.
It’s worth doing some research to help you identify the best business credit card for your needs. You could start by comparing Westpac business credit cards on our compare business credit cards page.
With Westpac Altitude Business Platinum Mastercard, Altitude Business Gold Mastercard and BusinessChoice (Qantas Business) Rewards Platinum Mastercard credit cards, you’ll earn 0.5 points per dollar spent on government payments, including to the Australian Tax Office (ATO).
You can convert your Altitude Points into frequent flyer points in 6 popular frequent flyer programs:
- Qantas Frequent Flyer
- Virgin Australia Velocity
- Malaysia Airlines Enrich
- Air New Zealand Airpoints
- Airlines KrisFlyer
- Cathay Pacific AsiaMiles.
Keep exploring
Things you should know
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.
Annual Card Fee: 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 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.
^Points Cap: For BusinessChoice Rewards Platinum cards, earn 0.75 Qantas Points per $1.50 spent on eligible business purchases and 0.5 Qantas Points per $1.50 spent on Government payments up to a maximum of 100,000 Qantas Points per facility per month. 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 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.
4.Read the Westpac Online Banking Terms and Conditions (PDF 1MB) before making a decision. Not all accounts* are eligible to be included in a bank feed. 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.
*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.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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