Credit Card Compare

American Express Platinum Business Card vs Westpac BusinessChoice Rewards Platinum Credit Card

Compare American Express Platinum Business Card, Westpac BusinessChoice Rewards Platinum Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of American Express Platinum Business Card vs Westpac BusinessChoice Rewards Platinum Credit Card.
American Express Platinum Business Card card
American Express Platinum Business Card
Westpac BusinessChoice Rewards Platinum Credit Card card
Westpac BusinessChoice Rewards Platinum Credit Card

Card details

Overall
56Good
Highest
44Fair
55 days interest-free35/10048/100Highest
Business52/100Highest31/100
Frequent flyer65/100Highest43/100
Qantas Points43/100
Rewards58/100Highest41/100
Sign-up bonus73/100Highest57/100
Travel43/100Highest42/100
Velocity Points65/100

The basics

Card tierPlatinumPlatinum
Card typeAmerican ExpressVisa
Credit ratingGoodGood
Rewards programAmerican Express Membership RewardsQantas Business Rewards
Credit limit$1,000 – $100,000$2,000 – $250,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specifiedNot specified
ResidencyAustralian citizen or permanent residentAustralian citizen or permanent resident
Joint applicationNoNo
Temporary residentsNot eligibleNot eligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 55 daysUp to 55 days
Minimum repayment100% of the closing balance outstanding3% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

PurchasesNo interest. Pay in full each month20.24% p.a.
Cash advances0.00% p.a.Lowest20.24% p.a.

Fees

Annual fee$1,750 p.a.$150 p.a.Lowest
Monthly fee
Additional cardholder fee$0$0
Cash advance fee3% of the amount
Foreign transaction fee3.5%3%Lowest
Late payment fee$0$0

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

$

Earn rate

Everyday spend2.25 pts per $10.5 pts per $1
Bonus categoriesNoneNone
Other purchasesNoneNone
Overseas spendNoneNone
ATO/government1 pt per $1 on ATO and government paymentsNone
Reduced rate above monthly capNoneNone
Points capUncappedMaximum 100,000 points per year
Points expiryPoints don't expire while your account is open and in order.Points don't expire while your account is open and in order.
Estimated annual points431,000 ptsWorth $4,310Highest118,000 ptsWorth $1,416

Sign-up bonus

Sign-up bonus350,000 pointsHighest100,000 points
Bonus spend required

Transfer partners

Accor Live Limitless (ALL)5 pts → 1 pt (≈ 0.45 pts per $1)
Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $89)
British Airways Club3 pts → 1 pt (≈ 0.75 pts per $1)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.75 pts per $1)
Emirates Skywards4 pts → 1 pt (≈ 0.56 pts per $1)
Everyday Rewards5 pts → 4 pts (≈ 1.8 pts per $1)
Hilton Honors2 pts → 1 pt (≈ 1.13 pts per $1)
Malaysia Airlines Enrich3 pts → 1 pt (≈ 0.75 pts per $1)
Marriott Bonvoy3 pts → 2 pts (≈ 1.5 pts per $1)
Qatar Airways Privilege Club3 pts → 1 pt (≈ 0.75 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.75 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 1.13 pts per $1)
Virgin Atlantic Flying Club3 pts → 1 pt (≈ 0.75 pts per $1)

Related comparisons

Sources

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