Credit Card Compare

NAB Business Card vs Westpac BusinessChoice Rewards Platinum Credit Card

Compare NAB 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 NAB Business Card vs Westpac BusinessChoice Rewards Platinum Credit Card.
NAB Business Card card
NAB Business Card
Westpac BusinessChoice Rewards Platinum Credit Card card
Westpac BusinessChoice Rewards Platinum Credit Card

Card details

Overall
35Basic
44Fair
Highest
55 days interest-free48/100
Business22/10031/100Highest
Frequent flyer43/100
Low rate49/100
Qantas Points43/100
Rewards41/100
Sign-up bonus57/100
Travel42/100

The basics

Card tierStandardPlatinum
Card typeVisaVisa
Credit ratingGoodGood
Rewards programNoneQantas Business Rewards
Credit limit$5,000 – $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 residentsEligibleNot eligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 35 daysUp to 55 daysHighest
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

Purchases16.50% p.a.Lowest20.24% p.a.
Cash advances16.50% p.a.Lowest20.24% p.a.

Fees

Annual fee$108 p.a.Lowest$150 p.a.
Monthly fee
Additional cardholder fee$0$0
Cash advance fee3% of the amount3% of the amount
Foreign transaction fee3%3%
Late payment fee$15$0Lowest

Rewards

How many points could you earn?

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

$

Earn rate

Everyday spendNone0.5 pts per $1
Bonus categoriesNoneNone
Other purchasesNoneNone
Overseas spendNoneNone
ATO/governmentNoneNone
Reduced rate above monthly capNoneNone
Points capMaximum 100,000 points per year
Points expiryPoints don't expire while your account is open and in order.
Estimated annual points118,000 ptsWorth $1,416

Sign-up bonus

Sign-up bonus100,000 points
Bonus spend required

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
NABWestpac