Compare business credit cards

Streamline your accounting and tax reporting while managing cash flow efficiently with a Westpac Business Credit Card. Compare and choose between earning valuable rewards points or benefiting from low rates and low annual fees to find the right card that supports your business growth.

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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)

Commercial Cards Complimentary Insurance Policy (PDF 160KB)

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.


Up to 150,000 Altitude Rewards Bonus Points Offer (‘Bonus Points’) is available for new Altitude Business Platinum credit card applications which have been approved between 28 January 2026 and 30 April 2026 and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 60 days, from card approval to receive 100,000 Altitude Bonus Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 50,000 Altitude bonus points if your account remains open and active for more than 15 months, from card activation. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your account being active. If you do not meet the minimum spend within 60 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for 50,000 bonus points in the second year, if your account is active and not in default.

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account.

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 60 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to Altitude Business Rewards Terms and Conditions  (PDF 120KB)and Altitude Business Credit Card Conditions of use (PDF 498KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

Up to 100,000 Qantas Business Bonus Points Offer (‘Bonus Points’) is available for new BusinessChoice Platinum Rewards credit card applications which are approved from 28 January 2026  and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 90 days, from card approval to receive 70,000 bonus Qantas Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 30,000 Qantas Bonus Points if your account remains open and active for more than 15 months, from card activation. If you do not meet the minimum spend within 90 days of card approval, you forfeit the initial 70,000 bonus points only. However, you are still eligible for 30,000 bonus points in the second year, if your account is active and not in default. 

Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account. 

This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 90 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.

Fees, charges and credit criteria apply and are subject to BusinessChoice Terms and Conditions  (PDF 555KB)and BusinessChoice Rewards Platinum Qantas Rewards Terms and Conditions (PDF 115KB).  This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

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.

 

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 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.

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