Westpac BusinessChoice Rewards Platinum Mastercard

On website

Westpac BusinessChoice Rewards Platinum Mastercard

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$150.00 p.a. ongoing

Highlights

  • Receive 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply
  • Earn 0.75 Qantas Point per $1.50 spent on eligible business purchases.
  • Assign individual card credit limits from $1,000 on up to 99 cards.

Pros and cons

Pros

  • Qantas Business Rewards joining fee of $89.50 is waived.
  • Includes complimentary travel, purchase, and business-related insurance.
  • Comes with Personal Concierge Service.
  • Up to 55 interest-free days on purchases.

Cons

  • The $150 p.a. annual fee per card.
  • High-interest rate of 20.24% p.a. on purchases.
  • Earned points on eligible transactions are capped at 100,000 Qantas Points per month.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
99
Additional Card Fee Ongoing
$150.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$250,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
20.24% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.24% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$150.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
Qantas Business Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
0.75
Government Rewards Points Earn Rate
0.50
Overseas Rewards Points Earn Rate
0.75

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
Yes

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

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