Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Westpac BusinessChoice Rewards Platinum credit card

1 review

Apply by 28 August 2019

points over 12 months Calculate your savings icon

Earn rate per $1

0.5 points
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

100,000 points
100,000% Complete (success)

Annual fee

$150
p.a.
150% Complete (success)

Pros

Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.

Qantas Business Rewards program joining fee waived (saving you $89.50)

Complimentary Insurances

Cons

Earn 0.5 Qantas Points for every $1 spent (0.75 Qantas Points for every $1.50 spent)

Annual fee is $150

Westpac BusinessChoice Rewards Platinum credit card

The Westpac BusinessChoice Rewards Platinum Credit Card lets you earn uncapped Qantas Points at an earn rate of 0.75 Qantas Points for every $1.50 you spend on eligible business purchases. For government payments you earn 0.5 Qantas Points for every $1.50 you spend. Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.

Key features

  • Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.
  • Qantas Business Rewards program joining fee waived (saving you $89.50)
  • $150 annual card fee
  • 24/7 Platinum concierge
  • Complimentary Overseas Travel insurance and Interstate Flight Inconvenience insurance
100% of customers who have rated this card would recommend it
  • Rates
    54%
  • Fees
    41%
  • Rewards
    87%
  • Customer Service
    93%
  • Value
    69%
Overall user rating 69%
1 reviews
Interest Rates
Purchase rate 20.24% p.a.
Cash advance rate 20.24% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $2,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $150 p.a.
Additional cardholder fee Up to 10 - $150 p.a. per card
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Mastercard
Rewards program
Rewards program Qantas Frequent Flyer Qantas Frequent Flyer
Bonus points 100,000 Qantas points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 within first 90 days
Earning points with this card
Qantas points 0.5 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to 3 months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Unauthorised transaction insurance
Business inconvenience insurance

The Westpac BusinessChoice Rewards Platinum Credit Card

As part of Westpac’s BusinessChoice range, the Westpac BusinessChoice Rewards Platinum Credit Card offers a dazzling array of features, an excellent rewards program and some very pleasing introductory offers, making it a great choice of business credit card for companies wanting up to ten cards linked within one business account.

What we love...

Designed to attract the attention of potential cardholders comparing their options, the Westpac BusinessChoice Rewards Platinum Credit Card has two very appealing introductory offers currently on the table.

First up, new cardholders will be credited with 100,000 bonus Qantas Points when they spend $3,000 on eligible purchases on the card within 90 days from card approval. You have to apply and be approved by 28 August 2019. Plus, the Qantas Business Rewards program joining fee will be waived, offering a saving of $89.50.

So, what is this Qantas Business Rewards program exactly? To earn Qantas Points on this card, your business must first become a member of the Qantas Business Rewards program. This allows you to earn points on business expenses paid for on your Westpac BusinessChoice Rewards Platinum Credit Card.

Qantas Points earned by your business can be transferred to any Qantas Frequent Flyer account, to then be redeemed as the account-holder likes. Points could be redeemed on flights and upgrades, or on more than 3,000 items in the Qantas store.

And the earn rate? You can earn 0.75 Qantas Points for every $1.50 spent on eligible business purchases, and 0.5 Qantas Points for every $1.50 spent on government payments. Happily, there is no points capping on this card, so each cardholder can earn as many points as they like within each statement period.

What’s not so great...

To know whether this card really is for you, checking the small print is a good place to start. Some factors you may want to pay attention to include the annual fee, which is $150 for each card, and the rates of interest attached to cash advances and purchases, which are both pretty high.

It’s also worth noting that compared to certain other platinum cards, this card does not offer an overly amazing earn rate on its rewards program.

Why should you choose this card?

One important thing to bear in mind with this card is how it works. Unlike some other business credit cards, the Westpac BusinessChoice Rewards Platinum Credit Card does not offer personal liability.

Instead, there is joint or several liability among the business principals who apply for the credit card, who are each liable to the bank jointly and severally for all amounts outstanding.

This allows the business to issue up to ten cards to trusted employees, each with individual card credit limits from $1,000, and full tracking on each card's activities.

If that’s what you’re looking for, you’ll probably want to know more about the additional features on offer. As a cardholder, you can enjoy several platinum perks, including the services of a platinum concierge, the convenience of easy tax reporting and analysis of your business transactions, and up to 45 interest free days on purchases.

The card also offers an array of insurances. These include overseas travel insurance, interstate flight inconvenience insurance and transit accident insurance; purchase security insurance, extended warranty insurance and guaranteed pricing scheme cover; and unauthorised transaction insurance and business inconvenience insurance.

Overall Rating

A platinum business card that offers excellent business features and rewards, allowing you to award earned Qantas Points to yourself, to family or to staff members.

Showing one question (showing the latest 10 Q&As)

irene wong

irene wong

16 April 2019
how to apply for this card
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian permanent residents and have a valid ABN
  • You have your personal details ready to complete the online application
Westpac BusinessChoice Rewards Platinum credit card
Westpac BusinessChoice Rewards Platinum credit card

Westpac Credit Cards

Westpac BusinessChoice Rewards Platinum credit card

Updated 18 June 2019

Apply by 28 August 2019

Points Earn Rate (per $1 spent)

0.5

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

100,000 pts

Spend $3,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.
  • Qantas Business Rewards program joining fee waived (saving you $89.50)
  • Complimentary Insurances

  • Earn 0.5 Qantas Points for every $1 spent (0.75 Qantas Points for every $1.50 spent)
  • Annual fee is $150

Creditcard.com.au review

Editor Review

The Westpac BusinessChoice Rewards Platinum Credit Card

As part of Westpac’s BusinessChoice range, the Westpac BusinessChoice Rewards Platinum Credit Card offers a dazzling array of features, an excellent rewards program and some very pleasing introductory offers, making it a great choice of business credit card for companies wanting up to ten cards linked within one business account.

What we love...

Designed to attract the attention of potential cardholders comparing their options, the Westpac BusinessChoice Rewards Platinum Credit Card has two very appealing introductory offers currently on the table.

First up, new cardholders will be credited with 100,000 bonus Qantas Points when they spend $3,000 on eligible purchases on the card within 90 days from card approval. You have to apply and be approved by 28 August 2019. Plus, the Qantas Business Rewards program joining fee will be waived, offering a saving of $89.50.

So, what is this Qantas Business Rewards program exactly? To earn Qantas Points on this card, your business must first become a member of the Qantas Business Rewards program. This allows you to earn points on business expenses paid for on your Westpac BusinessChoice Rewards Platinum Credit Card.

Qantas Points earned by your business can be transferred to any Qantas Frequent Flyer account, to then be redeemed as the account-holder likes. Points could be redeemed on flights and upgrades, or on more than 3,000 items in the Qantas store.

And the earn rate? You can earn 0.75 Qantas Points for every $1.50 spent on eligible business purchases, and 0.5 Qantas Points for every $1.50 spent on government payments. Happily, there is no points capping on this card, so each cardholder can earn as many points as they like within each statement period.

What’s not so great...

To know whether this card really is for you, checking the small print is a good place to start. Some factors you may want to pay attention to include the annual fee, which is $150 for each card, and the rates of interest attached to cash advances and purchases, which are both pretty high.

It’s also worth noting that compared to certain other platinum cards, this card does not offer an overly amazing earn rate on its rewards program.

Why should you choose this card?

One important thing to bear in mind with this card is how it works. Unlike some other business credit cards, the Westpac BusinessChoice Rewards Platinum Credit Card does not offer personal liability.

Instead, there is joint or several liability among the business principals who apply for the credit card, who are each liable to the bank jointly and severally for all amounts outstanding.

This allows the business to issue up to ten cards to trusted employees, each with individual card credit limits from $1,000, and full tracking on each card's activities.

If that’s what you’re looking for, you’ll probably want to know more about the additional features on offer. As a cardholder, you can enjoy several platinum perks, including the services of a platinum concierge, the convenience of easy tax reporting and analysis of your business transactions, and up to 45 interest free days on purchases.

The card also offers an array of insurances. These include overseas travel insurance, interstate flight inconvenience insurance and transit accident insurance; purchase security insurance, extended warranty insurance and guaranteed pricing scheme cover; and unauthorised transaction insurance and business inconvenience insurance.

Overall Rating

A platinum business card that offers excellent business features and rewards, allowing you to award earned Qantas Points to yourself, to family or to staff members.

User reviews

Westpac BusinessChoice Rewards Platinum credit card ( based on 1 Creditcard.com.au user review )

69% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $2,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $150 p.a.

Additional card holder fee Up to 10 - $150 p.a. per card

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 100,000 Qantas points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 within first 90 days

Earning points with this card

Qantas pointsQantas points 0.5 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 3 months

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Unauthorised transaction insurance

Business inconvenience insurance

Overview

Westpac BusinessChoice Rewards Platinum credit card

The Westpac BusinessChoice Rewards Platinum Credit Card lets you earn uncapped Qantas Points at an earn rate of 0.75 Qantas Points for every $1.50 you spend on eligible business purchases. For government payments you earn 0.5 Qantas Points for every $1.50 you spend. Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.

Key features

  • Earn 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 28 August 2019.
  • Qantas Business Rewards program joining fee waived (saving you $89.50)
  • $150 annual card fee
  • 24/7 Platinum concierge
  • Complimentary Overseas Travel insurance and Interstate Flight Inconvenience insurance

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent residents and have a valid ABN

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)

irene wong

irene wong

16 April 2019
how to apply for this card

Similar Credit Cards

3 reviews

Apply by 31 Jul 19

More info
points earned over 12 months
1.25 points
16.77% Complete (success)
Qantas Frequent Flyer
120,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$450
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$249
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.