IMPORANT NOTICE: On 30 September 2026, we’re making changes to Altitude Business Rewards including an increase to the points earned per dollar on eligible purchases, and changes to the number of points needed to redeem some rewards. Find out more
Whether it's flights and upgrades, to gift vouchers, merchandise and travel insurance, it can be difficult choosing which business rewards card is right for you. Here’s what you need to know about our two rewards programs.
| Altitude Business Rewards | Qantas Business Rewards |
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Available on both the Altitude Business Gold and Altitude Platinum, this program allows you to earn and redeem points for merchandise such as cinemas passes, coffee machines, home audio equipment, outdoor furniture, travel and more7. The Altitude Business cards allows you to have 2 cardholders per account. All points earned on the account are directed to the Primary Cardholder’s Altitude business rewards account. |
Available on the BusinessChoice Rewards Platinum, this program allows your business to earn Qantas Points into your Qantas Business Rewards account from the first dollar spent on the card1. Qantas Points earned by your business can be transferred to any Frequent Flyer account. You can redeem Qantas Points to reward your employees or yourself with flights, upgrades, and much more2. For more information on redeeming Qantas Points visit qantas.com/usingpoints The BusinessChoice Rewards Platinum account allows up to 99 cardholders and each card can be set with an individual card limit (up to the business account limit); making it easy to control spend and track individual activity. |
Earning points
Altitude Rewards Program |
Qantas Business Rewards |
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How to earn Altitude Points It’s really straightforward. Every time you buy something using your card, you could earn points. The number of points you earn depends on the type of card used and the purchase being made. Points earned per $1 spent on eligible business purchases are as follows: International merchants: 2
International merchants: 1
However, bonus points do not count towards the points cap. |
How to earn Qantas Points All businesses with an ABN are eligible to join Qantas Business Rewards . The usual one-off join fee of $89.50 is waived for new BusinessChoice Rewards Platinum cardholders. If your business is not already enrolled in Qantas Business Rewards, when you take out a BusinessChoice Platinum Rewards we will initiate enrolment of your ABN for you. Then, each time you use your card for business expenses you can earn Qantas Points – expenses can include government payments to agencies such as the Australian Taxation Office (ATO). Qantas Points earned per $1.50 spent on eligible business purchases are as follows:
BusinessChoice Rewards Platinum International merchants: 0.75
Earn Qantas Business Rewards Points on business purchases up to 100,000 Qantas Points per month.^ |
Redeeming points and program benefits
| Altitude Business Rewards | Qantas Business Rewards |
|---|---|
There are a few ways you can redeem your points – it all depends on the reward you’re after. You can: Points plus pay If you see something you want, but don’t have enough Altitude Points – Points plus pay lets you use the points you have and you can make up the difference with a credit or debit payment. And if you pay the remaining balance using your Altitude Business credit card, you’ll earn Altitude Points. Conditions apply for that payment. Shop on the Altitude Rewards website Whether it’s technology, fitness, electrical goods, movie tickets or experiences you’re after – the Altitude Rewards Program has many leading brands you an choose from, using your points. You can also donate to charity this way4. Altitude Travel Use your points to book any available flight or holiday package, hotel, car hire and/or activity. Conditions apply. Build up your frequent flyer points You can choose to convert your points to one of the following programs7:
This is where you can automatically convert your points to Velocity Frequent Flyer Points. Once you set up your account, you’ll see each month on your statement date that your Altitude Points balance has automatically transferred to your Velocity Frequent Flyer Account. Conditions apply.
Complimentary
International Travel Insurance
Access to up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
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Save on flights Complimentary International Travel Insurance
Access to up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
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Unauthorised Transaction Insurance will indemnify the account holder for eligible unauthorised transaction (terms, conditions, exclusions and eligibility criteria apply).
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Things you should know
Altitude Business Rewards Terms and Conditions (PDF 120KB)
Altitude Business Credit Cards Conditions of Use (PDF 498KB)
BusinessChoice Cards Terms and Conditions (PDF 631KB)
BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 115KB)
Westpac Business Credit Cards Complimentary Insurance Policy (PDF 1MB)
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 customer.
1 Qantas Points A business must be a Qantas Business Rewards Member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, 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. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points for business are offered under the Westpac Terms and Conditions (PDF 631KB). Qantas Points will be credited to the Members' Business Rewards account within 60 days of the first eligible purchase or card account has been linked to the BusinessChoice rewards facility. 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. Any claims in relation to Qantas Points under this offer must be made directly to Westpac by calling 1300 367 228.
2 Using Qantas Points You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).
^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.
† In order to transfer Qantas Points from a Qantas Business Rewards account to an individual’s Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).
+ Savings are available exclusively to Qantas Business Rewards Members on selected fares only and do not apply to taxes, fees and carrier charges. Availability is limited. Advance purchase and other conditions may apply. Savings are subject to and defined in the terms and conditions of Qantas Business Rewards as Member Savings.
# Discounted Qantas Club membership is available to Qantas Frequent Flyer members who are Qantas Business Rewards Flyers of the Qantas Business Rewards Member. The discount applies to the Qantas Club individual membership rates on new and subsequent memberships and is managed under the Qantas Club individually managed corporate scheme. Qantas Club membership is subject to the Qantas Club Terms and Conditions.
~ Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. Qantas Business Rewards Members must transfer Qantas Points to individual Qantas Frequent Flyer account/s for redemption. 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 Qantas Shopping Online Mall and Card Offers. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. To purchase from Qantas Wine, you must be a Qantas Frequent Flyer member, 18 years of age and over and have an Australian delivery address. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736
Altitude Business Gold and Altitude Business Platinum
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.
4 Earning and redeeming Altitude reward points: The earning and redemption of Altitude Points is subject to Westpac Altitude Business Rewards Terms and Conditions (PDF 120KB). The terms and conditions outline which purchases are eligible to earn points and the circumstances when you will not earn points, including when your account is overdue.
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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.
Registered to BPAY Pty Ltd ABN 69 079 137 518.