Westpac BusinessChoice Rewards Platinum Credit Card

Name: Westpac BusinessChoice Rewards Platinum Credit Card
Brand: Westpac

Data last updated 20 July 2026

20.24%

Purchase rate

$150

Annual fee

100,000

Bonus points

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Westpac BusinessChoice Rewards Platinum Credit Card card

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CardIQ

44Fair

Fair

Overall score, out of 100 · How this works

55 days interest-free48
Business31
Frequent flyer43
Qantas Points43
Rewards41
Sign-up bonus57
Travel42

Customer reviews

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Pros & cons

What's good

100,000 bonus Qantas Points to start, worth around $1,200 at our 1.2c-per-point valuation.
Complimentary international travel insurance, transit accident insurance, purchase protection and extended warranty.
Complimentary concierge service.
No fee to add an additional cardholder.

Worth noting

The 20.24% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns 0.5 points per $1 on everyday spend, below the dataset average.
Points earning is capped at 100,000 points a year.
3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Visa
Card use: Business
Credit limit: $2,000 – $250,000
Credit rating: Good
Rewards program: Qantas Business Rewards

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 20.24% p.a.
Purchases: 20.24% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $150 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 3%
Late payment fee: $0

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 0.5 pts per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Maximum 100,000 points per year
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: 100,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Activation spend: $500
Age limit: 80 years
Cover limit: Unlimited
Excess: $300
Maximum trip length: 90 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Transit accident

Activation: Pay the fare with the card
Cover limit: $250,000
Excess: No excess
What it pays: Death or defined serious injury only

Purchase protection

Activation: Pay for the item with the card
Annual limit: $125,000
Cover period: 120 days
Excess: $300
Not covered: Cash, consumables and animals
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $10,000
Excess: $300
Not covered: Anything the manufacturer's warranty already excluded
What it pays: Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Interest-free days55 daysTied for best (1st of 37 cards)

Overseas fee3.00%Top 25% (7th of 39 cards)

Annual fee$150 a yearNot as good as most cards (26th of 39 cards)

Rewards value$216 a yearNot as good as most cards (15th of 21 cards)

Sign-up bonus$1,200Not as good as most cards (8th of 10 cards)

Purchase rate20.24%Not as good as most cards (28th of 34 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Westpac
Program: Qantas Business Rewards