BusinessChoice Rewards Platinum

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Special offers

Credit criteria and conditions apply.

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).^{^}

Features
Rewards
Insurance
Fees
Rates
About applying

Features

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 & go^TM contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & go^TM 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:

CardShield^®
Extra security when you shop at participating online retailers Mastercard^® and SecureCode™ through the Westpac Added Online Security service
Fraud Protection 24/7

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.

Rewards

Qantas Business Rewards

The Qantas Business Rewards program enables you to earn rewards points on business expenses paid for on your BusinessChoice Rewards Platinum Mastercard. Qantas Points earned by your business can be transferred to any Qantas Frequent Flyer account 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 usually applies, however, Westpac has arranged for this fee to be waived for eligible BusinessChoice card facilities - a saving of $89.50¹. 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 Platinum Mastercard facility.

The Westpac BusinessChoice Qantas Business Rewards Terms and Conditions (PDF 83KB) 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.

Visit qantas.com/business for more information.

Insurance

Receive a range of complimentary platinum insurance covers² as part of BusinessChoice Rewards Platinum Mastercard.

The information below is a summary only. Please refer to the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 338KB) for full details on benefits, terms, limits, conditions and exclusions. An excess may be deducted from certain payments as detailed in the policy booklet.

Travel

International Travel Insurance - Access to up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Interstate Flight Inconvenience Insurance - Interstate Flight Inconvenience Insurance covers against Cancellation, Flight Delay, Luggage, Luggage Delay and Funeral Expenses when you charge the entire cost of the return interstate flight to your eligible credit card (terms, conditions, exclusions and eligibility criteria apply).
Overseas Transit Accident Insurance - Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Please refer to Travel Alerts and Information as you may not be covered or your claim may be affected in circumstances where you have failed to follow advice or take heed of a warning from any government or official body, or any publication or broadcast by any member of the mass media.

Purchase-related insurance

Purchase Protection Insurance - Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance - Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card and up to 3 months on Business items (terms, conditions, exclusions and eligibility criteria apply).

Business related

Account holder's Unauthorised Transaction Insurance - Unauthorised Transaction Insurance will indemnify the account holder for eligible unauthorised transaction (terms, conditions, exclusions and eligibility criteria apply).

Fees

Fees	Amount
Card Fee (per year)	$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 Advance Fee	3% of the cash advance amount. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed Payment Fee	From 22 November 2021: $0 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.
Overlimit Fee	From 22 November 2021: $0 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) your credit limit is exceeded.

For more fee information see the BusinessChoice Cards Terms and Conditions (PDF 285KB)

Rates

Transaction	Interest rates
Purchases	20.24% (variable)
Cash advances	20.24% (variable)

For more interest rate information see the BusinessChoice Cards Terms and Conditions (PDF 285KB)

About applying

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.

Apply online

We'll get back to you soon. Make sure you have your ABN/ACN and financial details handy.

Give us a call

132 142

8am - 8pm, Mon - Fri
(Sydney time)

Things you should know

BusinessChoice Cards Terms and Conditions (PDF 285KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 83KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 338KB)

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.

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.

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BusinessChoice Rewards Platinum Mastercard