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 55 days
Annual Fee
$150.00
  • Get 120,000 bonus Qantas Points when you spend $3,000 on eligible purchases on your new BusinessChoice Rewards Platinum Mastercard within 90 days of approval.
  • For new cards approved by 26th July 2021. 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
$150.00
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 $150.00
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
+Bonus points promotion BusinessChoice Rewards Platinum Mastercard: The bonus points promotion is available when you apply and are approved for a new BusinessChoice Rewards Platinum Mastercard credit card between 26 April 2021 and 26 July 2021, and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval in one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Qantas Business Rewards Points will be added to your points balance within 90 days after you meet the eligible spend criteria. This offer does not apply for additional cardholders being added to an existing BusinessChoice Rewards Platinum or BusinessChoice Rewards Platinum Mastercard facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another BusinessChoice Rewards Platinum or BusinessChoice Rewards Platinum Mastercard credit card account within the last 12 months are ineligible for this offer. Qantas Business Rewards Points earned during a statement cycle are added to your Qantas Business Rewards Points balance on a monthly basis. This promotion is not available in conjunction with any other offer or promotion. 1. Qantas Business Rewards membership: A business must be a Qantas Business Rewards Member to earn Qantas Points for the business. A one-off joining fee usually applies (currently $89.50 including GST), however businesses that are not members of Qantas Business Rewards program at the time of application for a BusinessChoice card facility will be offered complimentary membership upon approval of a new Westpac BusinessChoice Rewards Platinum Mastercard credit card facility. This offer may be withdrawn at any time. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at qantas.com/business. 2. 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. 3. Read the Westpac Online Banking Terms and Conditions (PDF 277KB) before making a decision. *Not all accounts are eligible to be connected via a bank feed. These can include loan accounts and accounts requiring multiple authorisations for transactions. Note: Your bank feed must be set up with your third-party service provider (software company) before it can be connected in Westpac Online Banking. If your software company does not appear in the drop down menu in Westpac Online Banking, you may need to check that it is registered with Westpac. Should there be any changes in your user access or network access levels, you may wish to disconnect your bank feed(s) as any such changes will have no impact on your bank feeds. 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 Qantas Points: To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account (Qantas Point earn rates may vary between Qantas Partners). Qantas Partner conditions and earning thresholds apply. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. A joining fee may apply. You do not earn Qantas Points on use of a card or card account where for that statement period, a Billing Account or card account is in arrears or over limit at the end of that statement period. Any Qantas Points earned in that relevant statement period will be forfeited. Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com. Mastercard is a registered trademark and the circles design is a trademark 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).

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