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Comparing business rewards credit card programs

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

Available on both the Altitude Business Gold Mastercard® card and Altitude Platinum card, 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.

Available on the BusinessChoice Rewards Platinum Mastercard® card, this program allows your business to earn uncapped 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 Mastercard account allows up to 10 cardholders and each card can be set with an individual card limit (up to business account limit); making it easy to control spend and track individual activity.

Earning points

Altitude Rewards Program

Qantas Business Rewards

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:
 

Altitude Business Platinum

Visa (overseas merchants)              2
Visa (Australian merchants)            1
Government payments                  0.5


There’s no limit to the number of Altitude Points you can earn each statement cycle when using one or both of your Altitude Business Platinum cards.
 

Altitude Business Gold Mastercard

Mastercard (overseas merchants)              1
Mastercard (Australian merchants)            1
Government payments                  0.5


A cap of 20,000 points applies when using one or both Altitude Business Gold Mastercard credit cards in each statement cycle.
 

However, bonus points do not count towards the points cap.

How to earn Qantas Points

Simply join Qantas Business Rewards and provide the same ABN you provide to Qantas to Westpac. All businesses with an ABN are eligible to join. The usual one-off join fee of $89.50 is waived for new BusinessChoice Rewards Platinum Mastercard® cardholders..
 

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 Mastercard

Mastercard (overseas merchants)             0.75
Mastercard (Australian merchants)           0.75
Government payments                  0.5

 

There’s no limit to the number of Qantas Points you can earn each statement cycle when using your BusinessChoice Rewards Platinum Mastercard credit cards.

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:
 

Pay with Points

This gives you an almost unlimited choice with using your points. How? Just choose any card purchase you’ve made in the last 90 days (excluding BPAY®) and get a credit on your statement for that transaction value with your Altitude Points. Conditions apply.
 

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 or movie tickets/experiences you are after – the site has many leading brands you can buy 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 on this online booking website. Conditions apply.
 

Build up your frequent flyer points

Here you can choose to convert your points to frequent flyer points if you’re a member of one of the following programs7:

  • Qantas Frequent Flyer
  • Virgin Australia's Velocity
  • Malaysia Airline's Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.


Virgin Australia’s Velocity Auto-Redemption

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.


Top up your super

If you have a BT Super for Life you can transfer your Altitude Points for dollars into your superannuation account. Conditions apply.


Complimentary Overseas Travel Insurance

Travel knowing that you, your family (your spouse and certain dependent children) and your possessions may be covered against injury, loss, theft or damage for up to 3 months in accordance with the policy. Terms and conditions apply. (PDF 761KB)

Save on flights 

Save up to 8% on the base fare of eligible flights with no minimum spend+.

Points for you & your business 

Earn points1 for your business (in addition to the points you or your team would normally earn as an individual) on flights, hotels and car hire~.

Fly more, earn more 

The more your business flys the more points you earn as your business progresses through our Membership Levels.

Benefits even when you're not flying 

Earn points on over 50 different everyday business expenses like fuel, credit card spend and technology when you spend with our program partners.

Save on Qantas Club 

Save 20% on Qantas Club memberships for you and your employees#.

Your choice of rewards 

it's easy to transfer points from your business account to any Qantas Frequent Flyer account† and reward your staff, clients or even yourself with flights, upgrades, wine or even something special from the Qantas Shopping Rewards Store~

Complimentary Overseas Travel Insurance

Receive complimentary overseas travel insurance (which may include your spouse and certain dependent children) for up to 3 months - when overseas return tickets are purchased on your credit card before you leave and additional eligibility criteria as set out in the Westpac Business Credit Card Complimentary Insurance Policy is fulfilled. Terms and conditions apply. (PDF 761KB)
 

Protect your business against unauthorised transactions

Receive automatic protection (up to $20,000 per cardholder and $150,000 per account holder) against unauthorised transactions made by cardholders in a 12 month period (if you are the principal and the account holder of the card) with Account holder's Unauthorised Transaction insurance (PDF 761KB).

Things you should know

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 Mastercard 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 229KB). Members will earn 1 Qantas Point for every $1.50 spent on eligible business purchases. Eligible business purchases do not include government charges, interest and other bank fees and charges, cash advances, balance transfers, BPAY payments and if the Billing Account is in arrears or over limit on the posting date of a transaction. View the Westpac Terms and Conditions (PDF 229KB) for full details. 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).


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 Mastercard and Altitude Business Platinum Cards

Annual card fee: For Altitude Business Platinum 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.


4 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 113KB) (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.

Registered to BPAY Pty Ltd ABN 69 079 137 518.

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 357KB) which may be amended from time to time. Westpac does not guarantee this insurance. 

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