Westpac Altitude Business Platinum Credit Card

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Bonus points: 150,000
Purchase rate: 20.24% p.a.
Reward point per $ spent: 1
Annual fee: $200 p.a.

Our verdict

Offers up to 150,000 bonus Altitude Points and complimentary insurance, with a $200 annual fee.

The Westpac Altitude Business Platinum Credit Card comes with practical tools and perks to help keep track of business expenses. This includes automated bank feeds for accounting platforms like MYOB and complimentary travel and purchase insurance options. Right now, you can earn up to 150,000 bonus Altitude Points (100,000 points when you apply by 30 April 2026 and spend $6,000 on eligible purchases in the first 60 days and an additional 50,000 points when you keep your card open for over 15 months from activation).

If you're focused on business spending and rewards, this card also offers 1 Altitude Point per $1 on eligible purchases and points per $1 for spending with government bodies (including the ATO). You can redeem points for rewards such as gift cards, merchandise or transfer to 5 different frequent flyer programs – including Qantas Frequent Flyer. Just keep in mind that you can only request 1 additional cardholder, which makes this account suitable for small or medium-sized businesses where only 1-2 people are responsible for making payments.

Pros

Up to 150,000 bonus Altitude Points offer
Up to 2 points per $1 on eligible spending

Cons

High $200 annual fee
3% foreign transaction fee

Details

Product details

Product Name	Westpac Altitude Business Platinum Credit Card
Balance transfer limit	80% of available limit
Purchase rate p.a.	Purchase rate p.a.20.24%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	20.74%
Min credit limit	$5,000
Max credit limit	$150,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$30,000
Joint application	No

Rewards

Rewards program	Westpac Altitude Rewards / Velocity Frequent Flyer
Bonus points	150,000
Rewards points per $ spent	1
Rewards points cap

Fees

Annual fee	$200
Minimum monthly repayment	3% of the closing balance or $10, whichever is greater
Late payment fee	$0
Foreign currency conversion fee	3%
Cash advance fee	3%
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	1

Westpac scored in the Finder Awards

The Westpac Altitude Business Platinum Credit Card was highly commended for Best Business Frequent Flyer Credit Card in the 2026 Finder Awards.

Full list of 2026 winners

How to apply

You can apply for the Westpac Altitude Business Platinum Credit Card online in around 10 minutes and could get a response within 60 seconds of submitting your completed application. To get started, check that you meet the eligibility criteria and have all the details and documents you need for the application.

Eligibility criteria

Minimum income. You must earn at least $30,000 per year.
Business details. You can only apply for this card if you plan to use it for business or investment purposes. You also need to have an active ABN (Australian Business Number) or ACN (Australian Company Number).

Residency. You must be an Australian citizen or permanent resident.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. As this is a personal liability card, you'll need to provide your full name, date of birth, residential address, email address, contact number and household details. You'll also need to provide a valid form of identification, such as your passport or driver's licence number.
Business and employment details. This includes details about your business ventures, as well as your ABN or ACN and your accountant's details. If you also have employment, you'll need to provide details of your job and your employer.
Financial details. This includes your income from all sources (business, salary etc), as well as your assets and any investments. You'll also need to provide details of your financial commitments, such as existing loans, business expenses and your share of household expenses.

Card benefits

Up to 150,000 bonus Altitude Points. Apply for the Westpac Altitude Business Platinum by 30 April 2026 and you'll get 100,000 bonus Altitude Points when you spend at least $6,000 on eligible purchases in the first 60 days from card approval. Your bonus Altitude Points will be credited to your account within 3 months of meeting the spend criteria. You'll get another 50,000 points when you keep your card open for over 15 months from card activation. The remaining bonus Altitude Points will be credited to your account within 12 weeks after the first eligible purchase is made in the second year.
Uncapped reward points. The Westpac Altitude Business Platinum Credit Card earns 1 Altitude Point for every $1 spent on eligible business purchases in Australia and 2 points per $1 spent on overseas purchases. It also earns 0.5 points per $1 on government payments. You can redeem points for rewards including gift cards, retail items and frequent flyer point transfers to Qantas Frequent Flyer, Velocity Frequent Flyer, Air New Zealand Airpoints, Singapore Airlines' KrisFlyer and Cathay Pacific Asia Miles.

Complimentary insurance for travel and shopping. This card gives you access to complimentary international travel insurance, transit accident insurance and interstate flight inconvenience insurance. It also offers purchase protection insurance and extended warranty insurance for eligible items you buy with this card.
Unauthorised transaction insurance. This insurance helps protect you against unauthorised transactions made on the account.
Automatic bank feeds for accounting software. You can link this account to eligible accounting software including MYOB, QuickBooks and Xero to save time on manually entering transaction details.
Mobile technology. You can link your Westpac Altitude Business Platinum credit card with Garmin Pay, Apple Pay, Samsung Pay or Google Pay to make contactless payments with your compatible device at the checkout.
Platinum concierge service. This service functions in the form of a personal assistant and can help you reserve tables at restaurants, organise gifts, book tickets for different kinds of events, and even arrange business meetings.

Rates & fees

Annual fee. This card has a standard annual fee of $200 p.a. There is no additional cardholder fee if you decide to add an additional cardholder to your account.
Interest rates. The Westpac Altitude Business Platinum credit card has a variable purchase rate of 20.24% p.a. and a variable cash advance rate of 20.74% p.a.

Interest-free days. If you pay your account's closing balance in full by the due date on each statement, you'll get up to 55 days interest-free on purchases.
Foreign transaction fee. A 3% fee applies when you use this card overseas or online in a foreign currency.
Security. This account offers 24/7 fraud-monitoring, a fraud money-back guarantee and Westpac's Added Online Security service that you can use when shopping online with participating businesses.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Westpac Altitude Business Platinum Mastercard information PDF

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Benedetto

March 01, 2024

Hi I am currently employed full-time however I have slowly slowly been buying all necessary equipment to start a Truck and Van detailing business. I’m not happy with my current bank and wish to start banking with Westpac..

Which accounts do you suggest I open taking into consideration that I am going to continue with my full-time employment but I want a business account with either a credit card attached or maybe a small overdraft just as a means of monitoring all my transactions and improving my credit score at the same time I would also like to have a second card available for my partner/employee

Thankyou for your time and consideration

Bene

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Sarah Megginson Finder

May 30, 2024

Hi Bene,

Your best bet is to contact Westpac’s business centre for personalised advice. You can reach them on 13 21 42.

Best of luck with your new business!

Jono

May 18, 2019

HI! I am after the best credit card to get as many Qantas points as possible. I am a business owner and will be using the card for all my purchases that I can. I will be paying the owed money before due date and don’t want any fees associated with any purchases.

Mai Finder

May 19, 2019

Hi Jono,

Thank you for reaching out.

You can start compare business credit cards using our comparison table. Looking at it, it shows that American Express Qantas Business Rewards Card gives the higest point at 1.25 per dollar spent while the NAB Qantas Business Signature Card gives .66 points per dollar spent.

The good thing is American Express Qantas Business Rewards gives 120,000 bonus Qantas Points when you were approved on or before July 2019. While NAB Qantas Business Signature Card gives 100,000 bonus Qantas Points (terms and conditions apply). Feel free to check the linked pages should you wish to review them further.

Hope this helps! 😊

Kind Regards,

Mai

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Joe

October 09, 2017

Hi, can you earn Qantas FF points on the AMEX card for international transactions, or is it only domestic?

Danielle

October 09, 2017

Hi Joe,

Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

You can earn points for domestic or overseas transactions as long as they are eligible purchases.

I hope this helps.

Cheers,

Danielle

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Michael

August 18, 2017

With Business platinum is there a cap on points per month?

Jonathan

August 18, 2017

Hello Michael,

Thank you for your inquiry.

It is uncapped for Altitude Business Platinum, 20,000 for Altitude Business Gold and 12,500 points for Altitude Business per statement cycle.

Hope this helps.

Cheers,

Jonathan

Ian

October 02, 2016

When paying the ato using altitude business platinum amex card, what is the qantas frequent flyer earn rate per dollar.

May Finder

October 13, 2016

Hi Ian,

Thanks for your inquiry.

Sorry for the delayed reply. You can actually earn 1 Altitude Rewards point per $1 spent on ATO payments using your Westpac Altitude Business Platinum Credit Card.

As for the Qantas points, if you opt into the Qantas frequent flyer program (instead of the Altitude Rewards) linked to this card, the rate would be 1 Qantas point per $1 spent and the Qantas points will go straight to your Qantas frequent flyer account.

Cheers,

May

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Westpac Altitude Business Platinum Credit Card

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Cons

Westpac scored in the Finder Awards

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Rates & fees

Sources

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