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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

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).

BusinessChoice Rewards credit card

Features
  • $75 annual card fee per card
  • $2,000 - $100,000 credit limit
  • Up to 10 card holders with individual credit limits (up to account limit)
  • 14.25% p.a. purchase rate (variable)
  • Up to 55 days interest free
  • Complimentary insurance.

Apply online

Get a response within 60 seconds of applying.

Qantas Business Rewards

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.

BusinessChoice Rewards credit card

Current offer
  • Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases on your new BusinessChoice Rewards Platinum card within 90 days from card approval.*


Conditions apply. For new cards approved by 28th November 2018.


Features
  • $150 annual card fee per card
  • $2,000 - $50,000 credit limit (account credit limit)
  • Up to 10 card holders with individual credit limits (up to account limit)
  • 20.24% p.a. purchase rate (variable)
  • Up to 55 days interest free
  • Complimentary insurance
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

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 insurance
  • Up to 55 days interest free

 

Special offers
  • Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Platinum card within 90 days from card approval.*
  • $0 annual card fee for the first year.^


Conditions apply. For new cards approved by 28th November 2018.

Altitude Business Gold

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 - $50,000 credit limit
  • Up to 2 card holders with a shared credit limit
  • 20.24% p.a. purchase rate (variable)
  • Complimentary insurance
  • Up to 55 days interest free

 

Special offers
  • Earn 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Gold card within 90 days from card approval.*
  • $0 annual card fee for the first year.^


Conditions apply. For new cards approved by 28th November 2018.

Things you should know

Find out what information you need to provide to become a customer.

*Bonus points promotion Altitude Business Gold, Altitude Business Platinum and BusinessChoice Rewards Platinum: The respective bonus points promotions are available when you apply and are approved for a new Altitude Business Gold, Altitude Business Platinum or BusinessChoice Rewards Platinum credit card between 29th August 2018 and 28th November 2018, and spend the 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 or 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 Altitude Business Gold, Altitude Business Platinum or BusinessChoice Rewards Platinum card facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another Altitude Business, Altitude Business Gold, Altitude Business Platinum or BusinessChoice Rewards Platinum 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.

^Discounted annual card fee in first year promotion Altitude Business Gold and Altitude Business Platinum: The discounted first year annual card fee promotion is available when you apply and are approved for a new Altitude Business Gold, Altitude Business Platinum credit card between 29th August 2018 and 28th November 2018. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

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.

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.

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 $89.50 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 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. 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.

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).