Business credit cards
Get 120,000 bonus Qantas Points with your new BusinessChoice Rewards Platinum Mastercard.
Minimum spend and exclusions apply. Bonus points vary by card type. +Terms and conditions apply.
Altitude Business Platinum Mastercard®
Special offer
For new cards approved by 26th July 2021. Exclusions apply.
Essentials
- Earn 1 Altitude Point per $1 spent on business purchases in Australia
- Earn 0.5 points per $1 spent on government payments (e.g. ATO).
Benefits
- Points can be transferred to 6 major frequent flyer programs
- Complimentary insurance 1.
- $0 annual card fee for the first year (usually $200). 2
Altitude Business Gold Mastercard
Special offer
For new cards approved by 26th July 2021. Exclusions apply.
Essentials
- Earn 1 Altitude Point per $1 spent on business purchases
- Earn 0.5 points per $1 spent on government payments (e.g. ATO).
Benefits
- Points can be transferred to 6 major frequent flyer programs
- Complimentary insurance 1
- Support cash flow with up to 55 days interest free on purchases.
- $0 annual card fee for the first year (usually $150). 2
BusinessChoice Rewards Platinum Mastercard
Special offer
For new cards approved by 26th July 2021. Exclusions apply.
Essentials
- Earn 0.75 Qantas Business Points per $1.50 spent on business purchases
- Earn 0.5 points per $1.50 spent on government payments (e.g. ATO).
Benefits
- Earn Qantas Business Rewards Points on business purchases
- Complimentary insurance 1
- Support cash flow with up to 55 days interest free on purchases.
- Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum Mastercard cardholders. 3
BusinessChoice Everyday Mastercard
Essentials
- Lower interest rate
- $75 annual fee per card in the first year, waived each subsequent year as long as you spend at least $15,000 per card in the previous year (on purchases and cash advances only).
Benefits
- Complimentary insurance1.
FAQs about business credit cards
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 are eligible. If you are 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 will 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 will 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.
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See how much easier it is to complete your tax return using Online Banking.
Helpful information
Alternative loan products
How to get in touch
- Call us on
132 142 8am-8pm (Sydney time), Mon - Fri (AEST time)
- Find a branch
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
^Bonus points promotion Altitude Business Gold Mastercard: The bonus points promotion is available when you apply and are approved for a new Altitude Business Gold Mastercard credit card between 26 April 2021 and 26 July 2021, and spend a 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 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 and Altitude Business Gold Mastercard. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another Altitude Business Gold or Altitude Business Gold Mastercard credit card account within the last 12 months are ineligible for this offer. This promotion is not available in conjunction with any other offer or promotion.
*Bonus points promotion Altitude Business Platinum Mastercard: The bonus points promotion is available when you apply and are approved for a new Altitude Business Platinum Mastercard credit card between 26 April 2021 and 26 July 2021, and spend a 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 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 Platinum and Altitude Business Platinum Mastercard credit card. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another Altitude Business Platinum or Altitude Business Platinum Mastercard credit card account within the last 12 months are ineligible for this offer. This promotion is not available in conjunction with any other offer or promotion. This promotion is not available in conjunction with any other offer or promotion.
+Bonus points promotion BusinessChoice Rewards Platinum Mastercard: The bonus points promotion is available when you apply and are approved for a new BusinessChoice Rewards Platinum Mastercard credit card between 26 April 2021 and 26 July 2021, and spend a 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 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 BusinessChoice Rewards Platinum or BusinessChoice Rewards Platinum Mastercard facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another 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. This promotion is not available in conjunction with any other offer or promotion.
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.
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.
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 145KB). 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.
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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