Cards for you & your employees

Keep your business expenses in check and keep track of each card's activities
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Up to 10 cards

Keep your business organised with up to 9 additional cardholders with individual card limits from $1,000 to $100,000.

Joint and several liability

Share the responsibility with a liability structure ideal for more complex small businesses where the business owners or directors jointly take responsibility for the balance owing.

Business name on cards

Represent your business with your business name proudly shown on all cards.

Easy tax reporting

Export expenses directly into MYOB and BAS with ease.

Choose between our two BusinessChoice Mastercard cards based on your business needs

BusinessChoice Rewards Platinum Mastercard®

  • 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 April 2025. Exclusions apply.
  • $150 annual card fee per card
  • $2,000 - $100,000 credit limit
  • 20.24% purchase rate (variable)
  • Complimentary Insurances1
  • 0.75 Qantas Points per eligible $1.50 spent up to 100,000 Qantas Points per month.^
  • 24/7 concierge service

 

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BusinessChoice Everyday Mastercard®

  • $75 annual card fee per card
  • $2,000 - $50,000 credit limit
  • 14.25% purchase rate (variable)
  • Complimentary Insurances1

 

 

 

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Things you should know

BusinessChoice Cards Terms and Conditions (PDF 555KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 115KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB)

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.

#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 April 2025, 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 qantas.com/business

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 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. 

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 www.westpac.tenconcierge.com.

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