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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 30 June 2020

Apply by 29 September 2020

Points Earn Rate (per $1 spent)




Rewards Program

Qantas Frequent Flyer

Bonus Points


0 points over 12 months spend

My monthly card spend

Pros and cons

  • Qantas Business Rewards program joining fee waived (saving you $89.50)
  • Earn 0.75 Qantas Point for every $1.50 you spend on eligible business purchases. Earn 0.5 Qantas Points for every $1.50 you spend on government payments.
  • Complimentary Insurances
  • Annual fee is $150
  • Up to 55 interest free days on purchases
  • Individual card credit limits from $1,000 on up to 10 cards for each account to keep track of each card's activities.

  • Other business card offer higher points earn rates review

Editor Review

Westpac BusinessChoice Rewards Platinum credit card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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, 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 user review )

69% rating based on 1 review

Customer Service

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 N/A

Annual points cap uncapped

Bonus points spend criteria N/A

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


Unauthorised transaction insurance

Business inconvenience insurance


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

  • 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 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.

6 questions (showing the latest 10 Q&As)



21 June 2020
Hi. I've had my Westpac BusinessChoice Rewards Platinum Card for 4 months and have noticed that on my first statement in Feb, I was charged $37.50 as an "annual card charge". Now in June, I've been charged another $150 as an "annual card charge." Every credit card that I have had in the last 12 years has charged the annual fee based on the anniversary of my card commencing, not on a quarterly basis. Is this just a Westpac anomaly?
    Roland B Bleyer - Founder


    22 June 2020
    Hi Jon, typically the annual card fee is charged soon after activation. It may be that Westpac make the annual card fee bill out with the EOFY. Therefore you were charged a part annual fee. Then recently you have been charged a full year. This is only an assumption. I checked the westpac site and there was no information on a $37.50. If you still are concerned you can contact Westpac business credit card customer service.


17 June 2020
Where does Australia Post fit in with relation to earning points. Does it come under government entities or a stock standard business entity. i.e. if I spend $5K a month on postal satchels what rate would i earn points
    Roland B Bleyer - Founder


    18 June 2020
    Hi Daryl, I would think that Australia Post should be counted as a standard business and earn points. Gov is more on rates / ATO.
Cam Brooks

Cam Brooks

2 February 2020
Hi Roland, Regarding the Businesschoice Rewards Platinum Mastercard. Is it 120,000 points earned per card holder if each card spends $3000 within 90 days of approval? Or is it 120,000 per facility and the total spend was $3000 across multiple card holders within the 90 day period. Cheers, Cam.
    Roland B Bleyer - Founder


    3 February 2020
    Hi Cam, no the bonus points is just for the primary holder. Yes the minimum spend requirement could be made up from both the primary and any of the supplementary cards.


12 January 2020
Thanks Roland for your answer to my previous question. With regard to AMEX, the BPAY website suggests that the ATO do not accept it ( Do you know if there is another way to pay tax bills using AMEX?


8 January 2020
We are an Australian registered business and my partner is a citizen living in Sydney. However, i am a UK citizen and resident. If my partner applies for a business credit card, would i be eligible for a supplementary card? If so, can you recommend a card that can be used to pay ATO bills (ie Visa or Mastercard) and has excellent features for travel? Thanks
irene wong

irene wong

16 April 2019
how to apply for this card

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