Credit Card Compare

ANZ Business Black vs Westpac BusinessChoice Rewards Platinum Credit Card

Compare ANZ Business Black, 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 ANZ Business Black vs Westpac BusinessChoice Rewards Platinum Credit Card.
ANZ Business Black card
ANZ Business Black
Westpac BusinessChoice Rewards Platinum Credit Card card
Westpac BusinessChoice Rewards Platinum Credit Card

Card details

Overall
44Fair
44Fair
55 days interest-free40/10048/100Highest
Business37/100Highest31/100
Frequent flyer46/100Highest43/100
Qantas Points43/100
Rewards41/10041/100
Sign-up bonus53/10057/100Highest
Travel42/100
Velocity Points46/100

The basics

Card tierBlackPlatinum
Card typeVisaVisa
Credit ratingGoodGood
Rewards programANZ Rewards ProgramQantas Business Rewards
Credit limit$5,000 – $50,000$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 repayment2% of the closing balance or $25, whichever is greater3% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases20.24% p.a.20.24% p.a.
Cash advances21.74% p.a.20.24% p.a.Lowest

Fees

Annual fee$300 p.a.$150 p.a.Lowest
Monthly fee
Additional cardholder fee$75$0Lowest
Cash advance fee1.5% of the amount3% of the amount
Foreign transaction fee3%3%
Late payment fee$35$0Lowest

Rewards

How many points could you earn?

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

$

Earn rate

Everyday spend1.5 pts per $1 up to $10,000 per statement period0.5 pts per $1
Bonus categoriesNoneNone
Other purchasesNoneNone
Overseas spendNoneNone
ATO/governmentNoneNone
Reduced rate above monthly cap1 pt per $1 above $10,000 per statement periodNone
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 points204,000 ptsWorth $1,020Highest118,000 ptsWorth $1,416

Sign-up bonus

Sign-up bonus150,000 pointsHighest100,000 points
Bonus spend required

Transfer partners

Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $133)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.5 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 0.75 pts per $1)

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
ANZWestpac