WestpacBusinessChoice Rewards Platinum
Receive Qantas Points for eligible purchases and tax payments, plus complimentary extended insurance.
At a glance
- Purchase rate
- 20.24%
- Cash advance
- 20.24%
- Interest-free days
- 55
- Annual fee
- $150
- Foreign transaction fee
- 3.00%
Rates
Every rate Westpac publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | - | - | - | 20.24% | - | Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account) |
| PurchaseInterest on purchases | - | - | - | 20.24% | - | Charged to purchase balances where full closing balance is not paid by due date |
Fees
9 fees published, grouped by when they're charged.
- When you take it out$89.50Qantas Business Rewards program joining fee
- While you hold itUp to $1503 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- Qantas Business Rewards program joining fee
Complimentary Qantas Business Rewards joining fee waiver
$89.50
While you hold it3
- Account Keeping FeeNo fee
- Card Fee
Per card.
$150 a year - Data Feed Fee
Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data F…
$5 a month
When you make a transaction3
- Cash Advance Fee3.00% of transaction
- Foreign Transaction Fee
Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or fi…
3.00% of transaction - Overseas ATM cash withdrawals (partner)No fee
If a payment is late or fails1
- Missed Payment Fee
No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November 2021. May be payable each statement cycle that the whole of the minimum monthly payment is not p…
No fee
When particular things happen1
- Overlimit Fee
$15.00 once per statement period if your credit card account was opened before 21 November 2021. No Overlimit fee will be charged for business credit card accounts opened on or after 22 November 2021…
No fee
Features
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- $0 Qantas Business Rewards joining fee waived (saving you $89.50). Not already a Qantas Business Rewards member? We'll save you time and money by waiving the fee and enrolling your business for you.
- Personal Concierge Service: Priority access, upgrades, savings with dedicated expert support 24/7. Find out more
- Statements of account for the Billing Account shall be issued monthly and will be addressed to the Contact Person. In addition, each Cardholder will be provided a statement of account for their Card.
- Card Autopay Facility: You may authorise us to automatically withdraw funds from your nominated account to make payments to the Card Account using a Card Autopay facility. You may elect to pay: The m…
- The minimum payment that we require from you (being the Primary Cardholder) each month will be shown on the Card Account statement. Your payment due date is 25 days from your statement date. Please r…
- Qantas Business Rewards - Earn Qantas Points twice, with Qantas Business Rewards and Qantas Frequent Flyer.
- 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 transactio…
- Business Money Tools: Spend less time on business admin with bank feeds2 and Westpac money tools.
- Minimum payment: The greater of 3% of the closing balance (rounded up to the nearest dollar) or $10, plus the greater of any unpaid past due amount or any amount exceeding the credit limit.
Eligibility and limits
- Minimum age 18
- Residency: Principals must be a permanent resident or Australian citizen
- Available to businesses
- Amount $2,000 to $250,000
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Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.