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Choose between rewards points and low interest

Explore our range of rewards and low rates business credit cards or compare each card's benefits, rates and fees to find the right one for you and your business.

Westpac Altitude Business Platinum rewards Mastercard credit card

Rewards Business cards

I want rewards points to turn eligible business purchases and tax payments into rewards, plus complimentary insurance.

Low Rate Business cards

I want a low rate credit card to help me manage my day-to-day business expenses and cash flow. 


Why choose a Westpac business credit card?

Make tax less taxing

Westpac's Online Banking and bank feeds4 streamline tax reporting, freeing you to accelerate business growth.

Reward your spending

Earn points on every eligible purchase including government payments with a rewards business credit card

55 days interest-free

Take advantage of up to 55 days interest-free on business purchases to maximise your financial flexibility.

#1 Banking App

The Westpac App has features to help you budget, save and stay on top of your business finances*.

Frequently asked questions

When you purchase something for your business with a debit card, the money is deducted from the bank account the card is linked to. The advantages of a business debit card are convenience, you don’t need to carry cash, and you can keep track of your business purchases.

With a credit card purchase you are ‘borrowing’ the money with the intention of repaying it at a later date, or in instalments – so it helps support your cash flow. The advantages are the same as with debit cards, plus with credit cards you may receive rewards and/or insurance. Interest, fees and charges apply, which vary by card.

Westpac offers both business credit cards and a business debit 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 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.
2.  Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.
3. 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.

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.

Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.

4.Read the  Westpac Online Banking Terms and Conditions (PDF 620KB) 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.

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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