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Fees & rates

A business credit card acts in much the same way as a personal credit card, but has greater advantages for business owners:

  • Better cash flow management when you use your business credit card replace cheques and to support you during the peaks and troughs of your business cycle

  • Save time by separating business from personal expenses, with additional expense management reports available

  • Flexible cardholder controls over spending limits and transactions types for employees to make business-related credit card purchases

  • Greater transaction security with protection against fraudulent use potentially covered by company liability insurance.


Other benefits, depending on which Westpac business credit card you choose, include:

  • A choice of 2 liability structures to suit your business - personal vs. joint and several liability
  • Rewards programs, including Qantas Business Rewards or Altitude rewards
  • Complimentary insurance on selected cards, including cover for travel and business inconvenience.

Looking for other ways to finance your business purchases?

Compare our range of business loans designed to suit your needs

Find out more

Things you should know

Altitude Business Rewards Terms and Conditions (PDF 2MB)

Altitude Business Credit Cards Conditions of Use (PDF 4MB)

BusinessChoice Cards Terms and Conditions (PDF 153KB)

BusinessChoice Rewards Card Qantas Business Rewards Terms and Conditions (PDF 143KB)

Westpac Business Credit Cards Complimentary Insurance Policy (For claim events prior to 1 June 2015) (PDF 306KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 325KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 58KB)

 

Credit criteria apply. Fees and charges apply. Review the Terms and conditions documents above.

1. Special offer: 0% p.a. on purchases for 12 months: The introductory rate of 0% p.a. on purchases for 12 months applies from card approval when you apply between for a new Westpac Altitude Business Platinum or Gold Credit Card between 1st February 2017 and 30th April 2017. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special purchase rate and annual fee waiver offers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

2. Special offer: $0 annual fee for first year: The $0 annual fee for the first year is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 30th April 2017 and apply online at westpac.com.au or through Business Online Banking (if registered). The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.

3. Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 18 July 2016 and 30th April 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

4. Special offer: 80,000 bonus Qantas Points: The bonus 80000 Qantas Points will be added to your points balance after the first purchase transaction is debited to your account. Switches, upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible. New card applications only, apply before 31st May 2017. This promotion is not available in conjunction with any other promotion.

Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at qantas.com/business. Qualifying businesses could earn Qantas Points every time their employees fly on eligible Qantas flights for business purposes while the employee continues to earn Qantas Points as they normally would. Minimum earning thresholds and eligibility conditions apply. Visit qantas.com/business. To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account. 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. The redemption of Qantas Points is subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms A joining fee may apply.

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. No points expiry 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 Altitude Business Rewards Terms and Conditions (PDF 2MB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited. The earning and redemption of Altitude Points is subject to the Altitude Business Rewards Terms and Conditions (PDF 2MB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

5. Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac Bank 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 Westpac Business Credit Cards Complimentary Insurance (Effective 1 June 2015) which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1800 091 710.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.