Westpac BusinessChoice Rewards Platinum Mastercard

Earn Qantas Points and receive complimentary insurance covers with the Westpac BusinessChoice Rewards Platinum Mastercard.

The Westpac BusinessChoice Rewards Platinum Mastercard is linked to the Qantas Business Rewards program, allowing you to earn Qantas Points on eligible business purchases. Cardholders can manage employee spending with up to 10 additional cards and save on card costs with up to 55 interest-free days on purchases. You can also spend and travel with peace of mind thanks to complimentary travel insurance, purchase insurance and other business-related policies.

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20.24% p.a.

Purchase rate


Reward points

Per $ spent

$150 p.a.

Annual fee

55 days

Interest free period

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Product NameWestpac BusinessChoice Rewards Platinum Mastercard
Rewards programQantas Business Rewards
Purchase rate20.24% p.a.
Annual fee$150
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$2,000
Max credit limit$100,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • Up to 0.5 Qantas Points, uncapped
  • A waived Qantas Business Rewards program joining fee (a saving of $89.50) for new cardholders
  • Complimentary travel, purchase, and business-related insurance covers


  • Charges a 3% foreign transaction fee
Rewards programQantas Business Rewards
Bonus pointsN/A
Rewards points per $ spent0.5
Annual fee$150
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$150
Number of additional cardholders10

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Westpac BusinessChoice Rewards Platinum Mastercard is suited to small to medium-sized businesses that want to reward their spending with Qantas Points. You’ll earn points on business purchases in the Qantas Business Rewards account, which you can then transfer to any individual Qantas Frequent Flyer account to redeem for rewards. As you earn more points, you can access extra perks including bonus points, discounts on eligible flight fares and reduced Qantas Club membership fees. If you’re not already a member, the usual $89.50 membership fee will be waived when you sign up to Qantas Business Rewards when applying for this card.

How to apply

You can apply for the BusinessChoice Rewards Platinum Mastercard online in 20 minutes. Before you apply, make sure that your business meets the spend requirements and that you have the necessary information to complete the application.

Eligibility criteria

  • Eligible business representative. You must be a business owner, trustee or company director to apply on behalf of your organisation.
  • Business purposes. You must confirm that you're intending to use the card for business or investment purposes.

Card benefits

  • Earn Qantas Points on business expenses. You and your additional cardholders can earn 0.5 Qantas Points per $1 spent on eligible business purchases. You'll collect 0.33 points per $1 spent on government transactions (such as ATO payments). The points will be credited to your Qantas Business Rewards account. When you have at least 3,000 points, they can be transferred to and redeemed through any individual Qantas Frequent Flyer account.
  • Additional cardholders. Easily track and manage employee spending when you request additional cardholders and set individual credit limits from $1,000 on up to 10 cards.

Rates & fees

  • Annual fee. This card charges a $150 annual fee for the primary card and each subsequent additional card.
  • Purchase interest rate. You'll be charged a 20.24% p.a. interest rate on purchases.

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    Default Gravatar
    February 11, 2016

    1) what is deemed a eligible business purchase?
    Telephone? mobile? internet expenses? power bill? to your work place,
    Rent of your work shop? Vehicle expenses i.e fuel bill, tyres,vehicle repairs? Products you use such as air conditioners? Refrigerant?Power tools? Equipment like duct lifters? Recovery units? Consumables oil, cleaning fluids? I guess any expense paid by the credit card that forms part of the operation of the business your in would be ok?

    2) Is there a limit on how many points you can accumulate in a month? in a year?

    3)i already have a personal credit card with westpac for the last 10 years is it a easier process to change it to a Westpac Business Choice Rewards Card?

      Avatarfinder Customer Care
      February 12, 2016

      Hi Tawhiri, thanks for your question!

      1) As per Westpac’s Rewards terms and conditions; “Aquire Points are calculated on the number of Australian dollars charged to the card account in connection with purchases of goods or services (including any GST payable in respect of the goods or services) from merchants accepting a card.” As much as we would like to give an absolute rule on what types of transactions count as eligible purchases, this detail varies depending on each merchant as the agreement and type of service/ good is treated differently by Westpac. Generally we can advise that any transaction which accepts credit card payment will earn rewards points.

      2) This card has uncapped points earnings.

      3) To switch to another Westpac credit card you can apply via Online Banking to change your existing card, call Westpac on 1300 130 961 or visit a Westpac branch.



    Default Gravatar
    September 29, 2015

    Do you earn points on ATO payments.
    If not do you know of any business card that does?


      Avatarfinder Customer Care
      September 29, 2015

      Hi Fabio,

      Thanks for your inquiry!

      Westpac credit cards with a dual card with AMEX can be eligible to earn points on ATO payments.

      For more information on this type of transaction please refer to guide on credit cards that offer points for payments to the ATO and see the points earned per $1 for government charges.

      Before you apply for your next card, make sure you carefully read over the eligibility requirements and terms and conditions and ensure you have organised the necessary documents before beginning the application.


    Default Gravatar
    March 18, 2015

    how many qantas points earn for every dollar i spend and is there a limit on how points you can earn in a year?

      Avatarfinder Customer Care
      March 18, 2015

      Hi Geoff, thanks for your inquiry!

      The earnings rate for Acquire points is 0.67 per $1 spent. The conversion rate for Acquire points to Qantas Frequent Flyer points is 1:1. At this point there is no cap on the number of points you can earn in a year.



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