Westpac
Westpac

Business Choice Rewards Platinum Mastercard®

Purchase Rate
20.24% p.a.
Cash Advance Rate
20.24% p.a.
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Interest Free
Up to 45 days
Annual Fee
$200.00
Balance Transfer Rate
4.99% p.a. for first 12 months
  • 4.99% p.a. for 12 months on balance transferes requested at card application.
  • $0 annual card fee for the first year (usually $200)
  • For new cards approved by 29th September 2020. Exclusions apply.
  • Earn 1 Qantas Frequent Flyer point on every $1.50 spent on purchases.
  • Enjoy a range of complimentary insurance covers.
  • Up to 45 days interest free on purchases where the closing balance is paid in full by the statement due date each month.

Key Features
Rewards Program
Rewards
Joining Fee
$89.50
Annual Fee
$200.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 1 Qantas Frequent Flyer point on every $1.50 spent on purchases.

Fee & Repayments

Annual Fee $200.00
Annual Fee First Year $0.00
Rewards Joining Fee $89.50
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.00% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Rewards Program

Rewards Points per Dollar 0.67
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $20,250.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* $33,000.00
Lifetime of Points
Rewards Program Partners Qantas Business Rewards program one-off joining fee waived (saving you $89.50) for new Westpac BusinessChoice Rewards Platinum Mastercard cardholders.
Rewards Bonus Points Partners
Domestic Airlines Qantas Frequent Flyer
International Airlines
Conditions

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
1. 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 between 27th February 2020 and 29th September 2020. The first annual card fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. 2. 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 between 18 July 2016 and 29th September 2020 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 variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. 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 purchase 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. 3. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance. Annual card fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual card fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual card fee is payable for each card associated with the facility. 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 2MB). 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. Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.