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Special offers

Credit criteria and conditions apply.

  • Get 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases on your new BusinessChoice Rewards Platinum Mastercard within 90 days of approval.# For new cards approved by 30th October 2024. Exclusions apply.
  • Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum Mastercard cardholders.1
BusinessChoice Rewards credit card
Personal Concierge Service

Exclusive to Westpac BusinessChoice Rewards cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. Find out more

Complimentary Insurances2
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
Qantas Business Rewards^

Earn 0.75 Qantas Point per $1.50 spent on eligible business purchases. Earn 0.5 Qantas Points per $1.50 spent on government payments. Qantas Points on eligible transactions are capped at 100,000 Qantas Points per month (excluding bonus Qantas Points).^

Business Liability

For Business Liability, the Business that makes the application for the card is liable to the bank for all amounts outstanding on the BusinessChoice Rewards Platinum Mastercard.

For Joint and Several Liability, the Business and the principals who apply for the credit card on behalf of the business are each liable to the bank jointly and severally for all amounts outstanding on the BusinessChoice Rewards Platinum Mastercard Card Account.

Read about different liability structures available for a BusinessChoice credit card.

Individual credit limits

Individual card credit limits from $1,000 on up to 99 cards for each account to keep track of each card's activities.

Up to 55 days interest free on purchases

Up to 55 interest free days on purchases when you pay off your Closing Balance in full by the due date shown on your statement each month.

Easy tax reporting

Make tax reporting easy by setting up (and managing) an automated bank feed3 to connect your billing account(s)* and all cards linked to the account(s) with your third-party service provider, through Westpac Online Banking or easily export your transactions from Westpac live as a CSV file and import into your chosen system.

Both options could help reduce the time you spend on manual data entry from your business accounts – and make it easier to reconcile your transactions and monitor your cash flow.

Pay faster with Mastercard tap & goTM contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & goTM card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the BusinessChoice Cards Terms and Conditions (PDF 270KB) for full details of when cardholders may be liable. Further information on resolving credit card transactional issues please go to What to do if there is a fraudulent transaction on your card.

Things you should know

#Bonus Qantas Points promotion: This bonus points promotion is available when you apply and are approved for a new BusinessChoice Rewards Platinum Mastercard credit card facility between 18th April 2024 and 30th October 2024, and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval in one or more transactions. Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from a card account. The bonus Qantas Points will be added to your points balance within 90 days after you meet the eligible spend criteria. This offer does not apply for additional cards or cardholders being added to an existing BusinessChoice Rewards Platinum Visa or BusinessChoice Rewards Platinum Mastercard facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another BusinessChoice Rewards Platinum Visa or BusinessChoice Rewards Platinum Mastercard credit card account within the last 12 months are ineligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Bonus Qantas Points earned as part of this promotion are not subject to your monthly Qantas Points cap. Qantas Points are subject to the Westpac BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions and the Qantas Business Rewards Terms and Conditions available at

1.  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 card facility will be offered complimentary membership upon approval of a new Westpac BusinessChoice Rewards Platinum Mastercard 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
2.  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 349KB) /   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.
3.Read the  Westpac Online Banking Terms and Conditions (PDF 417KB) before making a decision. Not all accounts* are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.

Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds.  The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges.  Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.

*Currently Business Credit Cards and Business Term Deposits accounts aren’t available for third-party service provider’s except MYOB. This may be extended to other third-party service providers in the future.

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 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.

Concierge Services are provided by a third party supplier. For further details including terms and conditions visit

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