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Compare business credit cards

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:

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 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

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.