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Westpac BusinessChoice Rewards Platinum credit card
Westpac BusinessChoice Rewards Platinum credit card

Westpac Credit Cards

Westpac BusinessChoice Rewards Platinum credit card

Updated 19 November 2019

Apply by 27 November 2019

Points Earn Rate (per $1 spent)

0.5

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

90,000 pts

Spend $3,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 90,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards approved by 27 November 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

Westpac BusinessChoice Rewards Platinum credit card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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 90,000 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 27 November 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 period 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 90,000 points

Annual points cap uncapped

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

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance 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.

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • Earn 90,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. For new cards only.
  • 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

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irene wong

irene wong

16 April 2019
how to apply for this card

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