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Compare business credit cards

A business credit card helps simplify accounting by separating your personal and work finances. It can also assist with cash flow management and short-term financing.

At a glance
Card fees
Variable rates
Credit limit (per account)
Included value
Limited time offers

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Things you should know

1. Discounted annual card fee in first year promotion Altitude Business Gold Mastercard and Altitude Business Platinum Mastercard: The discounted first year annual card fee promotion is available when you apply and are approved for a new Altitude Business Gold Mastercard, Altitude Business Platinum Mastercard between 29th August 2019 and 27th November 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.

2. Discounted annual card fee in first year promotion Altitude Business Gold Mastercard and Altitude Business Platinum Mastercard: The discounted first year annual card fee promotion is available when you apply and are approved for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard between 29th August 2019 and 27th November 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.

3. Cashback promotion Altitude Business Platinum Mastercard: The cash back offer is available when you apply and are approved for a new Altitude Business Platinum Mastercard between 29th August 2019 and 27th November 2019 and spend $3000 on eligible purchases within 90 days of card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balance transfers debited from the card account. The $300 cashback will be paid as a statement credit to your respective Altitude Business Platinum Mastercard account within 90 days of meeting minimum spend criteria. Only one cashback will be paid per account.  Existing Westpac customers who currently hold an Altitude Business Platinum or Altitude Business Platinum Mastercard, or who have held one in the last 12 months are not eligible for this offer. 

4. Cashback promotion Altitude Business Gold Mastercard: The cash back offer is available when you apply and are approved for a new Altitude Business Gold Mastercard between 29th August 2019 and 27th November 2019 and spend $3000 on eligible purchases within 90 days of card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balance transfers debited from the card account. The $250 cashback will be paid as a statement credit to your respective Altitude Business Gold Mastercard account within 90 days of meeting minimum spend criteria. Only one cashback will be paid per account. Existing Westpac customers who currently hold an Altitude Business Gold or Altitude Business Gold Mastercard, or who have held one in the last 12 months are not eligible for this offer. 

5. Bonus points promotion BusinessChoice Rewards Platinum Mastercard: The respective bonus points promotions are available when you apply and are approved for a new BusinessChoice Rewards Platinum Mastercard credit card between 29th August 2019 and 27th November 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 transactions, refunds and balance transfers debited from the card account. The bonus 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 BusinessChoice Rewards Platinum card facility or BusinessChoice Rewards Platinum Mastercard card facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another BusinessChoice Rewards Platinum or BusinessChoice Rewards Platinum Mastercard 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.

6. 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 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 761KB) /  Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

7. 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.

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 2MB). 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 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. 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.

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