Business rewards credit cards
Choose between our two rewards programs
Altitude Rewards
- Earn and redeem Altitude points for gift cards, merchandise, travel and frequent flyer points in a range of airline programs
- Available on both the Altitude Business Gold Mastercard® and Altitude Business Platinum Mastercard®
- Earn up to 2 points per $1 on eligible purchases.
or
Qantas Business Rewards
- Earn Qantas Points that can be transferred to any Qantas Frequent Flyer account and redeemed for flights, upgrades and more
- Available on the BusinessChoice Rewards Platinum Mastercard card
- Earn up to 0.75 point per $1.50 on eligible purchases.
Rewards credit cards
Altitude Business Platinum Mastercard®
Essentials
- Earn 1 Altitude Point per $1 spent on business purchases in Australia
- Earn 0.5 points per $1 spent on government payments (e.g. ATO).
Benefits
- Points can be transferred to 6 major frequent flyer programs
- Complimentary Insurances 3.
- $0 annual Card Fee for the first year (usually $200). 2
Altitude Business Gold Mastercard
Essentials
- Earn 1 Altitude Point per $1 spent on business purchases
- Earn 0.5 points per $1 spent on government payments (e.g. ATO).
Benefits
- Points can be transferred to 6 major frequent flyer programs
- Complimentary Insurances 3
- Support cash flow with up to 55 days interest free on purchases.
- $0 annual Card Fee for the first year (usually $150). 2
BusinessChoice Rewards Platinum Mastercard
Essentials
- Earn 0.75 Qantas Business Points per $1.50 spent on business purchases
- Earn 0.5 points per $1.50 spent on government payments (e.g. ATO).
Benefits
- Earn Qantas Business Rewards Points on business purchases
- Complimentary Insurances 3
- Support cash flow with up to 55 days interest free on purchases.
- Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum Mastercard cardholders. 2
Compare business credit cards
| Altitude Business Platinum Mastercard | Altitude Business Gold Mastercard | BusinessChoice Rewards Platinum Mastercard | |
|---|---|---|---|
| Points earned |
Altitude Points per eligible $1:
|
Altitude Points per eligible $1:
|
Qantas Points per eligible $1.50:
|
| Points cap | Uncapped Altitude Points | 20,000 Altitude Points per statement cycle | Uncapped Qantas Points |
| 24/7 concierge service | Yes | No | Yes |
| International Travel Insurance3 | Up to 6 months | Up to 3 months | Up to 3 months |
| Purchase Protection Insurance3 | Up to $5,000 for up to 4 months | Up to $5,000 for up to 90 days | Up to $5,000 for up to 90 days |
Not sure which card is right for you?
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Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
1. Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.
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 151KB). 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.
You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.
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.
Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com.
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