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Special offer

  • Start soaring with 80,000 bonus Qantas Points1 after the first eligible purchase on a new BusinessChoice Rewards card facility opened before 31st May 2017.
  • Qantas Business Rewards program joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards cardholders.
BusinessChoice Rewards credit card


  • Earn 1 Qantas Point for every $1.50 you spend on eligible business purchases on your BusinessChoice Rewards credit card. From 2 May 2017, the earn rate will change from 1 Qantas Point to 0.5 Qantas Points for every $1.50 you spend on government payments. This change will not impact the earn rate on eligible business purchases.
  • Up to 45 days interest free on purchases when you pay off your closing balance in full by the due date shown on your statement each month.
  • Individual card credit limits from $1,000 on up to 10 cards for each account to keep track of each card's activities.
  • Easy tax reporting by exporting your transactions into MYOB and BAS with ease. Read the Terms and Conditions before deciding.
  • Secure transactions so you can enjoy the peace of mind that comes with the Westpac Added Online Security service.

Qantas Business Rewards

The Qantas Business Rewards program enables you to earn rewards points1 on business expenses paid for on your BusinessChoice Rewards credit card. Qantas Points earned by your business can be transferred to any Qantas Frequent Flyer account3 giving you more flexibility to choose how to use your rewards including flights, upgrades and over 3,000 items in the Qantas store.

Earning Qantas Points

To earn Qantas Points, your business must first join the Qantas Business Rewards program. A joining fee of $89.501 usually applies, however this is waived for eligible Westpac BusinessChoice Rewards card facilities. All businesses with an ABN are eligible to join.

Qantas Points are credited to the ABN holder's Qantas Members’ Business Rewards account within 60 days of the first eligible purchase or card account has been linked to the BusinessChoice rewards facility.  

The Westpac BusinessChoice Qantas Business Rewards Terms and Conditions will detail how and when Qantas Points will be earned on card purchases and how points will be credited to the business' Qantas Business Rewards membership.

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Interest rates

Purchases 18.99% (variable)
Cash advances 18.99% (variable)

For more interest rate information see the BusinessChoice Cards Terms and Conditions (PDF 153KB)



Annual fee $150 for each credit card
Foreign transaction fee

3% of the Australian dollar value of any Foreign Transaction.

It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash advances / withdrawal fee

$2.50 if you account is in credit (has a positive balance) after a cash advance transaction.

2% of the cash advance amount (minimum $2.50 and maximum $150) if your account is in debit (has a negative balance).

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee

$15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date.

These charges will be debited to your account and appear on your credit card statement.

Over-limit fee

$15 each time you exceed your limit during a statement cycle. This fee may also be charged whenever your account is over the limit at the beginning of a statement cycle.

These charges will appear on your credit card statement on or after the day(s) you credit limit is exceeded.

Duplicate statement fee

$7.50 is debited from your card account when you request a statement that has already been issued.

These charges will appear on your credit card statement on or after the day(s) you order the duplicate statement.

For more fee information see the BusinessChoice Cards Terms and Conditions (PDF 153KB)

Information needed

  • Income, employment, financial commitment details, Liabilities, assets and expenses
  • Business details (including ABN, principal's details, address, phone number)
  • Personal and the Business finances, including  after-tax income (including previous year)
  • Accountant or financial secretary details (including phone number is optional)
  • Australian driver's licence (if you have one).
  • Westpac account and customer numbers (where applicable).

What to expect

The application form will take approximately 20 mins to complete (10 mins for existing customers).

Applicants must be

  • Australian permanent residents
  • Over 18 years old
  • Intending to use the facility for business or investment purposes
  • The business owner, trustee or company director
Things you should know

BusinessChoice Cards Terms and Conditions (PDF 153KB)

BusinessChoice Rewards Card Qantas Business Rewards Terms and Conditions (PDF 143KB)

Westpac Business Credit Cards Complimentary Insurance Policy (For claim events prior to 1 June 2015) (PDF 306KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 325KB)


Qantas Business Rewards membership and Qantas Points
1. A business must be an Qantas Business Rewards Member to earn Qantas Points for the business. A joining fee usually applies, 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 new Westpac BusinessChoice Rewards credit card facility. Qantas Points are offered under Westpac's terms and conditions. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at 80000 bonus Qantas Points special promotion - Apply for a new BusinessChoice Rewards Card facility before 31st May 2017 and receive bonus 80000 Qantas Points within 60 days after your first purchase on any card or card account linked to the new BusinessChoice Rewards facility. This special promotion does not apply to customers who obtain new BusinessChoice Rewards card facilities by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package. This offer also does not apply for additional cards being added to an existing BusinessChoice Rewards card facility.

2. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions.

3. To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account. Qantas Point earn rates vary between Qantas Partners and may differ from Qantas Point earn rates). 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).

An eligible flight means a domestic or international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business on or after from the date the business registers for the Qantas Business Rewards program. Exclusions apply. Minimum earning thresholds and eligibility conditions apply. Visit

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement available at before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

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 1300 650 107.

Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for product details.