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Special offers

Credit criteria and conditions 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. From 1 July 2022, Qantas Points on eligible business purchases 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 exporting your transactions into MYOB and BAS with ease. You can also download your transactions into excel to make analysis of your business transactions easy (check the terms and conditions3 before deciding).

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 285KB) 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
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  qantas.com/business.

 

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 338KB) /   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 236KB) before making a decision.
 

*Not all accounts are eligible to be connected via a bank feed. These can include loan accounts and accounts requiring multiple authorisations for transactions.

Note: Your bank feed must be set up with your third-party service provider (software company) before it can be connected in Westpac Online Banking. If your software company does not appear in the drop down menu in Westpac Online Banking, you may need to check that it is registered with Westpac. Should there be any changes in your user access or network access levels, you may wish to disconnect your bank feed(s) as any such changes will have no impact on your bank feeds.

 

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: Qantas Points are uncapped until 30 June 2022. From 1 July 2022, 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 www.westpac.tenconcierge.com.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.