Westpac BusinessChoice Rewards Platinum Mastercard

• Residency. You must be an Australian permanent resident.
• Age. Applicants must be at least 18 years old.

Required documents

• Personal details. This includes your name, date of birth and contact details.
• Business information. You'll need to confirm the name of the organisation and whether it's a sole trader, partnership, domestic public company or trust. You'll also need to provide information regarding the businesses' finances including assets, liabilities, expenses and after-tax income from the previous year.
• ABN. You'll be asked to provide your Australian Business Number (ABN) or Australian Company Number (ACN).
• Accountant. You'll need to provide your accountant or financial secretary's contact details.

• Complimentary Qantas Business Rewards membership. If you're a new cardholder, you can join Qantas Business Rewards without paying the usual $89.50 joining fee. As well as points, this gives you access to exclusive savings on flights, bonus Qantas Points offers and other business perks.
• Additional cardholders. Easily track and manage employee spending when you request additional cardholders and set individual credit limits from $1,000 on up to 99 cards.
• Simplified tax reporting. You can export your transactions into MYOB and BAS easily. You can also download your transactions into a CSV file to analyse your expenses.
• Complimentary travel insurance. If you use this card to purchase overseas return tickets, you can take advantage of international travel insurance that covers you, your spouse and dependent children travelling with you for up to 3 months. Other complimentary insurances include interstate flight inconvenience insurance and transit accident insurance.
• Business-related insurances. Unauthorised transaction insurance offers automatic cover against unauthorised transactions that cardholders might make in a one-year period. This is limited to $20,000 for each cardholder with a maximum total limit of $150,000 for all claims per account holder.
• Purchase-related insurance. This card gives you access to extended warranty cover for eligible items and purchase protection insurance that protects you against loss, theft or damage to a covered item purchased with the card.
• Platinum concierge. Your personal Westpac platinum concierge service can help you with anything from booking a business trip to organising a work event and more.

• Cash advances. If you use your card to make a cash advance, such as an ATM withdrawal, you'll immediately attract the 20.24% p.a. cash advance interest rate and a 3% cash advance fee.
• Fraud Money Back Guarantee. If your account is used for fraudulent transactions, you'll be reimbursed through the Westpac Fraud Money Back Guarantee so long as you meet the terms and conditions.
• Up to 55 days interest-free. When you pay your balance in full by the due date each billing cycle, you can save with up to 55 interest-free days on purchases.
• Contactless technology. You can use your card to tap and go without PIN verification for purchases under $100. For larger transactions, you can tap your card and enter the PIN when prompted.
• Westpac Live Online Banking. You can use the online banking platform to access your account on the go. If you're the primary cardholder, you can get copies of individual card statements and set spending limits through your online account.