Rewards for business owners
Up to 2 cards
Share your credit limit with an additional cardholder.
Enjoy the simplicity of a liability structure ideal for smaller businesses and sole traders where the business owner takes personal responsibility for the balance owing.
Altitude Rewards program
Redeem Altitude Points for office furniture, home appliances, technology, gift vouchers and more or redeem points in six different frequent flyer programs.
Feel secure with a range of complimentary insurance covers in accordance with the policy across travel, purchases and running your business.
$0 annual card fee + 0% p.a. on purchases
For up to 1 year on Altitude Business Platinum and Altitude Business Gold cards
From card approval when you apply by 31/01/2018. Credit criteria & conditions apply. Online applications only. Compare and apply now
Choose between our two Altitude Business cards based on your business needs
From April 2018
For new and existing Altitude Business Accounts the Westpac issued American Express Card will close. This change will not affect the Altitude Business VISA card. You should consider the changes to the Altitude American Express Card in your decision to apply.
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
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.
Special offer: $0 annual card fee for first year: The $0 annual card fee for the first year is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 31st January 2018. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual card fee. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.
Special online only offer: 0% p.a. on purchases: The introductory rate of 0% p.a. on purchases for 12 months is available when you apply online at westpac.com.au or through Business Online Banking (if registered) for a new Westpac Altitude Business Platinum or Gold credit card between 1st February 2017 and 31st January 2018. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special purchase rate and annual card fee waiver offers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.
* Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac Altitude Business Platinum or Gold credit card between 18 July 2016 and 31st January 2018 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 12 months from card activation, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the other card account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.
Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the . 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.
Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac Bank account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in Westpac Business Credit Cards Complimentary Insurance (Effective 1 June 2015) which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1800 091 710.
American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.