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How many business credit cards do you require?

What benefits are you looking for from your Business credit card?

What benefits are you looking for from your Business credit card?

Low rate card

BusinessChoice Everyday Mastercard®

A 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).

BusinessChoice Rewards credit card

Features
  • $75 annual card fee per card
  • $2,000 - $100,000 credit limit
  • Up to 99 card holders with individual credit limits (up to account limit)
  • 14.25% p.a. purchase rate (variable)
  • Up to 55 days interest free
  • Complimentary Insurances1
  • Choice of two liability options.
Apply online

Get a response within 60 seconds of applying.

Qantas Business Rewards

BusinessChoice Rewards Platinum Mastercard®

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

BusinessChoice Rewards credit card
  • Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum Mastercard cardholders. 4

Features
  • $150 annual card fee per card
  • $2,000 - $50,000 credit limit (account credit limit)
  • Up to 99 card holders with individual credit limits (up to account limit)
  • 20.24% p.a. purchase rate (variable)
  • Up to 55 days interest free2
  • Complimentary Insurances1
  • Choice of two liability options.
Apply online

Get a response within 60 seconds of applying.

Choose between our two Altitude Business cards based on your business needs

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.

Features
  • $200 annual card fee per card
  • $20,000 - $150,000 credit limit
  • Up to 2 card holders with a shared credit limit
  • 20.24% p.a. purchase rate (variable)
  • Complimentary Insurances1
  • Up to 55 days interest free2.

 

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

Altitude Business Gold Mastercard®

A personal liability credit card that gives you access to the Altitude Rewards program plus complimentary insurance and purchase protection.

Features
  • $150 annual card fee per card
  • $1,000 - $80,000 credit limit
  • Up to 2 card holders with a shared credit limit
  • 20.24% p.a. purchase rate (variable)
  • Complimentary Insurances1
  • Up to 55 days interest free2.

 

  • $0 annual Card Fee for the first year (usually $150). 3
Things you should know
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 338KB) /   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 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 Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 151KB). 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: Qantas Points are uncapped until 30 June 2022. From 1 July 2022, 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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