Business rewards credit cards

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 Westpac customer.

Annual Card Fee: 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 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances outlined in the Altitude Business Rewards Terms and Conditions. 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. 
^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.

1.  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.

2.  First year Card Fee waiver. The first-year annual Card Fee waiver is available when you apply and are approved for a new Altitude Business Gold and Altitude Business platinum credit card. The first annual Card Fee that will be charged will be on the 12-month anniversary of the first transaction made on your account, and annually thereafter. This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.

3.  100,000 Bonus Points Offer (‘Bonus Points’): Available for each new BusinessChoice Rewards Platinum credit card facility opened before the offer is withdrawn. To be eligible for Bonus Points you must spend a minimum of $8,000 on eligible business purchases within 90 days from account open. At the time Bonus Points are credited the facility must be in good standing. Bonus Points will be credited to the relevant Qantas Business Rewards Account within 85 days of meeting the minimum spend criterion. If the BusinessChoice Rewards Platinum facility is closed in accordance with the T&CS before the Bonus Points are credited to the relevant Qantas Business Rewards Account, or the facility is not in good standing when the Bonus Points are to be credited, Bonus Points are forfeited. Eligible business purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds, and balance transfers. Transactions that have not cleared or have been refunded before the end of the first 90 days from account open will not be included for the minimum spend criterion. This offer is not available to any customer: which currently holds or has closed any Westpac business credit card within the last 18 months; or switches or upgrades from another Westpac business credit card facility. Fees, charges, credit criteria, and T&Cs apply BusinessChoice Terms and Conditions (PDF 631KB) and BusinessChoice Rewards Platinum Qantas Rewards Terms and Conditions (PDF 115KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time. Westpac is not responsible for any delays in assessing your application or the card(s) being issued. Offer commenced on 26th October 2026.

4. Qantas Business Rewards membership: A business must be a 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 credit card facility will be offered complimentary membership upon approval of a new Westpac BusinessChoice Rewards Platinum credit card facility. This offer may be withdrawn at any time. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at  qantas.com/business.