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Up to 10 cards

Keep your business organised with up to 9 additional cardholders with individual card limits from $1,000 to $100,000.

Joint and several liability

Share the responsibility with a liability structure ideal for more complex small businesses where the business owners or directors jointly take responsibility for the balance owing.

Business name on cards

Represent your business with your business name proudly shown on all cards.

Easy tax reporting

Export expenses directly into MYOB and BAS with ease.

Start soaring with 100,000 bonus Qantas Points

With our BusinessChoice Rewards Platinum card and the Qantas Business Rewards program.

Available when you spend $3,000 on eligible purchases on your new BusinessChoice Rewards Platinum card within 90 days from card approval.* For new cards approved by 28th February 2019. Find out more

Choose between our two BusinessChoice cards based on your business needs

BusinessChoice Rewards Platinum

  • $150 annual card fee per card
  • $2,000 - $100,000 credit limit
  • 20.24% purchase rate (variable)
  • Extended complimentary insurance
  • 0.75 Qantas Points per eligible $1.50 spent
  • 24/7 concierge service


BusinessChoice Everyday

  • $75 annual card fee per card
  • $2,000 - $50,000 credit limit
  • 14.25% purchase rate (variable)
  • Complimentary insurance


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 November 2018 and 28th February 2019, 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 November 2018 and 28th February 2019. 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 BusinessChoice Rewards Platinum and BusinessChoice Everyday credit cards, an annual card fee is payable for each card associated with the facility.

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

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.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, 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) which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 238KB)  / Commercial Cards Insurance Policy (PDF 357KB) which may be amended from time to time. Westpac does not guarantee this insurance.