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Business credit cards

Whether you want rewards that benefit your business or low rates that keep your finances lean. There’s a credit card to support your business needs.

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Why choose a Westpac business credit card?

Reduce admin time

Make tax reporting and business accounting simpler. Use data feeds to accounting software with MYOB.
 

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Reward your spending

Earn points on eligible purchases including government payments. Choose either a Qantas or Altitude Rewards card. 
 

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Purchase interest-free

Make the most of your business's finances. Get up to 55 days interest-free on purchases for your business.
 

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#1 Banking App

With safety features and cashflow tools, the Westpac App* helps make it easier to manage your business finances.
 

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Find a business credit card that’s right for you

  • Altitude Business Platinum Mastercard

    ALTITUDE BUSINESS PLATINUM MASTERCARD®

    Featured special offer: $0 Annual card fee for the first year

    Personal liability credit card with $20,000-$150,000 credit limit.

    $200
    Annual card fee
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Altitude Rewards Points (uncapped)
    • Tick - Earn from 0.5 to 2 points per $1 spent (conditions apply)
    • Tick - Frequent Flyer Program (transfer points to 5 different frequent flyer programs)
    • Tick - Personal Concierge Service
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add extra cardholder at no extra cost
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more
  • Altitude Business Gold Mastercard

    ALTITUDE BUSINESS GOLD MASTERCARD®

    Featured special offer: $0 Annual card fee for the first year

    Personal liability credit card with $1,000-$80,000 credit limit.

    $150
    Annual card fee
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Altitude Rewards Points (capped at 20,000/statement cycle)
    • Tick - Earn from 0.5 to 1 point per $1 spent (conditions apply)
    • Tick - Frequent Flyer Program (transfer points to 5 different frequent flyer programs)
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add extra cardholder at no extra cost
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more
  • BusinessChoice Rewards Platinum Mastercard

    BUSINESSCHOICE REWARDS PLATINUM MASTERCARD®

    Special offer: one-off waiver of your Qantas joining fee

    Business liability credit card with $2,000-$250,000 credit limit.

    $150
    Annual card fee (for each card)
    20.24%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Qantas Rewards Points (capped at 100,000/statement cycle)
    • Tick - Earn from 0.75 point per $1.50 spent (conditions apply)
    • Tick - Frequent Flyer Program (Qantas only)
    • Tick - Personal Concierge Service
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to 99 cardholders at no extra cost
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more
  • BusinessChoice Everyday Mastercard

    BUSINESSCHOICE EVERYDAY MASTERCARD®

    Special offer: spend $15,000 in any year for the Annual card fee to be waived in the next year

    Business liability credit card with $2,000-$250,000 credit limit.

    $75
    Annual card fee (for each card)
    14.25%p.a.
    Variable purchase rate
    New cards only. These are standard rates and fees.

    Key features

    • Tick - Our lowest annual Card Fee
    • Tick - Our lowest interest rate on purchases
    • Tick - Complimentary Insurances (includes Purchase Protection Insurance)
    • Tick - Add up to 99 card holders
    Offers and features are available for approved applications. Credit criteria and conditions apply.
    Apply now Find out more

How the special offers work

Altitude Platinum/Gold cards

$0 Annual card fee for the first year

  • Saving you $200 in the first year for an Altitude Business Platinum Mastercard
  • Saving you $150 in the first year for an Altitude Business Gold Mastercard.
     
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.

4.99% p.a. for 12 months on balance transfers

  • Requested at card application
  • Rate then switches to variable cash advance rate
  • T&Cs apply.
     
Balance transfer promotion: The promotional balance transfer rate is available when you apply and are approved for a new Westpac Altitude Business Platinum Mastercard or Gold Mastercard credit card and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for 12 months from card activation, unless the amount is paid off earlier. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the other card account(s). The variable cash advance interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer. This offer may be withdrawn at any time.

BusinessChoice Rewards Platinum Mastercard

Qantas Business Rewards program one-off joining fee waived

  • Save the $89.50 program joining fee
  • For new cardholders only.
     
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.

BusinessChoice Everyday Mastercard

Annual Card fee to be waived in the next year

  • Spend $15,000 or more on a specific card in any year
  • Annual Card Fee, usually $75, will be waived on that card in the next year.
     

To be eligible for this offer: 

  • You must spend $15,000 or more on a specific card each year ending 30 June
  • Applies to up to 99 cards associated with the facility.

How are Rewards Points calculated?

Altitude Points
Altitude Points per eligible $1 Altitude Business Platinum Altitude Business Gold

Mastercard (overseas merchants)

 2 points 1 point
Mastercard (Australian merchants) 1 point 1 point
Government payments 0.5 points 0.5 points
Points cap Uncapped 20,000 per statement cycle

 

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.

Qantas Points per eligible $1.50: BusinessChoice Rewards Platinum

Mastercard (overseas merchants)

 0.75 points
Mastercard (Australian merchants) 0.75 points
Government payments 0.5 points
Points cap 100,000 per statement cycle

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 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. 

Frequently asked questions

What’s the difference between Personal and Business liability?

A business credit card can have personal or business liability. This just means who will repay transactions made on the credit card. 

  1. Personal liability. This is where the business owner has to repay transactions made on the credit card.
  2. Business liability. This is where the company itself (not the individual owners of the business) is responsible for the repayments.

More on understanding liability

With Westpac it can take as little as 10 minutes to apply online. If you’re eligible, you could receive your card(s) within a week. If you’re not yet a customer it’ll take longer, because we’ll need to verify the details you provide about you and your business finances.

We’ll need to verify the details you provide about you and the financial situation of your business. A minimum income applies.

You can convert your Altitude Points into frequent flyer points in 5 popular frequent flyer programs:

  • Qantas Frequent Flyer
  • Virgin Australia Velocity
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

The complimentary insurance on an eligible Westpac credit card is provided by Allianz, not Westpac. This insurance covers:

Travel insurance

  • International Travel Insurance 
  • Interstate Flight Inconvenience Insurance 
  • Overseas Transit Accident Insurance 

Purchase Insurance

  • Purchase Protection Insurance 
  • Extended Warranty Insurance 

Business Insurance

  • Account holder's Unauthorised Transaction insurance
     
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.

Concierge Services are provided by a third-party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com.

Earn 0.5 points per dollar spent on government payments. This includes payments to the Australian Tax Office (ATO). You could get these points with these rewards credit cards:

  • Altitude Business Platinum Mastercard,
  • Altitude Business Gold Mastercard 
  • BusinessChoice Rewards Platinum Mastercard.

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Things you should know

Altitude Business Credit Cards Conditions of Use (PDF 498KB)

Altitude Business Rewards Terms and Conditions (PDF 120KB)

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)

Online Banking Terms and Conditions (PDF 288KB)

Commercial Cards Complimentary Insurance Policy (PDF 160KB)

 

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

 

*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2024" an evaluation of five Australian Banks.

 

Bank feeds: Not all accounts are eligible to be included in a bank feed. 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. 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.

 

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