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Business credit card finder

Looking for a credit card to help manage business expenses, but not sure which one? By answering the below questions, we can help you find the Westpac business credit card that is right for you.

What is your business structure?

What is the main benefit you are looking for from your Business credit card?

Is your business ABN registered for more than 12 months, and registered for GST?

What is the main benefit you are looking for from your Business credit card?

What is the main benefit you are looking for from your Business credit card?

Suggested

BusinessChoice Everyday Mastercard®

A business liability credit card that helps keep your business expenses in check with a lower interest rate on purchases plus up to 55 days interest free on purchases (when the closing balance is paid in full by the due date shown on your statement each month).​

 

$75
 

14.25% p.a.
Annual card fee (for each card)   Variable purchase rate

 

Key Features​

  • $2,000 - $250,000 credit limit​
  • Up to 99 card holders with individual credit limits (up to account limit)​
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Apply now Find out more
BusinessChoice Rewards Platinum Mastercard® card

Suggested

BusinessChoice Rewards Platinum Mastercard®

A business liability credit card that rewards you with Qantas Points so you can reward yourself, your staff or your family.

★ Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum MasterCard cardholders4

 

$150
 

20.24% p.a
Annual card fee (for each card)   Variable purchase rate

 

Key features​

  • $2,000 - $250,000 credit limit (account credit limit)
  • Up to 99 card holders with individual credit limit (up to account limit)​
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Apply now Find out more
Altitude Business Platinum Mastercard® card

Also consider

Altitude Business Platinum Mastercard®

A personal liability credit card that lets you earn uncapped Altitude Rewards Points plus a range of complimentary platinum insurance covers.​

★ $0 annual Card Fee for the first year (usually $200). 3

 

$200
 

20.24% p.a.
Annual card fee   Variable purchase rate

 

Key Features​

Redeem Altitude points for frequent flyer programs including Qantas Frequent Flyer, KrisFlyer, Velocity

  • $5,000 - $150,000 credit limit​
  • Up to 2 card holders with a shared credit limit
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Find out more

Suggested

Altitude Business Platinum Mastercard®

A personal liability credit card that lets you earn uncapped Altitude Rewards Points plus a range of complimentary platinum insurance covers.​

★ $0 annual Card Fee for the first year (usually $200). 3

 

$200
 

20.24% p.a.
annual card fee per card   Variable purchase rate

 

Key Features​

Redeem Altitude points for frequent flyer programs including Qantas Frequent Flyer, KrisFlyer, Velocity

  • $5,000 - $150,000 credit limit​
  • Up to 2 card holders with a shared credit limit
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Find out more

Also consider

Altitude Business Gold Mastercard®

A personal liability credit card that gives you access to the Altitude Rewards program plus complimentary insurance including purchase protection1.​

★ $0 annual Card Fee for the first year (usually $150). 3

 

$150
 

20.24% p.a.
annual card fee per card   Variable purchase rate

 

Key Features​

Redeem Altitude points for frequent flyer programs including Qantas Frequent Flyer, KrisFlyer, Velocity

  • $1,000 - $80,000 credit limit​
  • Up to 2 card holders with a shared credit limit
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Find out more

Suggested

Altitude Business Platinum Mastercard®

A personal liability credit card that lets you earn uncapped Altitude Rewards Points plus a range of complimentary platinum insurance covers.​

★ $0 annual Card Fee for the first year (usually $200). 3

 

$200
 

20.24% p.a.
Annual card fee   Variable purchase rate

 

Key Features​

Redeem Altitude points for frequent flyer programs including Qantas Frequent Flyer, KrisFlyer, Velocity

  • $5,000 - $150,000 credit limit​
  • Up to 2 card holders with a shared credit limit
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​
Find out more

Suggested

Altitude Business Gold Mastercard®

A personal liability credit card that gives you access to the Altitude Rewards program plus complimentary insurance including purchase protection1.​

★ $0 annual Card Fee for the first year (usually $150). 3

 

$150
 

20.24% p.a.
Annual card fee   Variable purchase rate

 

Key Features​

Redeem Altitude points for frequent flyer programs including Qantas Frequent Flyer, KrisFlyer, Velocity

  • $1,000 - $80,000 credit limit​
  • Up to 2 card holders with a shared credit limit
  • Up to 55 days interest free 2
  • Complimentary Insurances 1​

Frequently asked questions

What’s the difference between Personal and Business liability?

A business credit card can have personal or business liability. This just means who will repay transactions made on the credit card. 

  1. Personal Liability. The business owner is personally responsible for all transactions on the credit card account. It’s suited for small businesses (including sole traders and partnerships) where the business owner takes personal responsibility for the balance owing on the credit card account. 

    Applying for Personal Liability
    For Personal Liability you will need to provide details of your individual income, employment, personal expenses and liabilities. 

  2. Business Liability. The Business is liable for the payment for all transactions on the facility. It’s suited for business entities where the owners or other responsible individuals would prefer the business, rather than themselves to be liable for the balance owing on the facility. 

    Applying for Business Liability
    For Business Liability applications you will need to provide details of the Businesses income, expenses, liabilities and assets together with supporting information. 


More on understanding liability

With Westpac it can take as little as 10 minutes to apply online. If you’re eligible, you could receive your card(s) within a week. If you’re not yet a customer it’ll take longer, because we’ll need to verify the details you provide about you and your business finances.

Things you should know

Altitude Business Rewards Terms and Conditions (PDF 120KB)

Altitude Business Credit Cards Conditions of Use (PDF 498KB)

BusinessChoice Cards Terms and Conditions (PDF 555KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 115KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 1MB)

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.

1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the  Westpac Business Credit Cards Complimentary Insurance Policy (PDF 1MB) /   Commercial Cards Insurance Policy (PDF 160KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
2. Up to 55 interest free days on purchases when you pay off your Closing Balance in full by the due date shown on your statement each month.
3. Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.
4. Qantas Business Rewards membership: A business must be a 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. This offer may be withdrawn at any time. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at  qantas.com/business.

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 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.

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.

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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