Which business card suits you?

Different business credit cards offer different advantages.

Airpoints™ Business Mastercard® and BusinessPLUS Mastercard® offer rewards for purchases and might be suited to small and medium-sized enterprises (SMEs), sole traders and partnerships. 

Westpac Business Mastercard®, Business Prepaid Mastercard® and Go to Pay® offer ways to help manage your business spending, cashflow and reporting. Business Prepaid cards can also be used as gifts for customers or as staff incentives.

Take control with Go to Pay.

Does your business deal with large payment volumes? Go to Pay could be the solution for you. Discover our smart e-payables solution that offers enhanced security and total visibility of your spending. 

View more

Helpful guides & tips.

Managing your balance, payments and more

Check these handy guides, tips and tutorials

Why Westpac?

24/7 protection

With CardGuard®, you're protected 24/7 from fraudulent activity1. You can use your card anywhere, anytime and leave your worries behind.

Learn more

Smart ways to pay

Choose from Apple Pay2 or use your hotpoints with hotpoints Pay®3.

Try our smart ways

Track your spending

CashNav® lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.

Discover CashNav

Things you should know.

*Offer available on new accounts applied for between 27 September 2021 and 22 December 2021, subject to any extension or withdrawal at Westpac's discretion without further notice. The offer is only available for the card types specified. Customers who currently hold or have held a Westpac Airpoints credit card in the past 18 months are ineligible for this offer, unless an Airpoints Business Mastercard holder opens a personal Airpoints Platinum Mastercard or a personal Airpoints Platinum Mastercard holder opens an Airpoints Business Mastercard. Limited to one Bonus Airpoints allocation per account. Excludes transfers from any Westpac credit card to any Westpac Airpoints credit cards. Cannot be used in conjunction with any other promotional offers except balance transfer rates. $1,000 minimum spend requirement must be met within the first 3 months of the new card opening to qualify for the bonus points. Balance transfers, cash advances and any retail purchases that have been made and then reversed within your spend period will not count towards the minimum spend requirement. Bonus points will be paid 5 weeks after the spend criteria has been met. Your Westpac Airpoints credit card account must remain open and not in default at the time the bonus Airpoints Dollars are paid.

1 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.

2 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

3 hotpoints terms and conditions apply. Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit card Conditions of Use for details.

You must be a member of Air New Zealand's Airpoints programme to earn Airpoints. Airpoints terms and conditions apply. See Airpoints terms and conditions. The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only. Lending criteria, terms and conditions and fees and charges apply to Airpoints Business Mastercards. See Westpac Airpoints Credit Card Conditions of Use and Business Transaction and Service Fees brochure.

Business credit card products are only available for business and/or investment purposes and not for personal, domestic or household purposes.

You will be personally responsible for all credit extended by Westpac under a hotpoints BusinessPLUS Mastercard and/or Airpoints Business Mastercard, irrespective of whether a business name appears on the card.

hotpoints and hotpoints Pay are registered trademarks of Westpac Banking Corporation.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Terms and conditions

Eligibility criteria, lending criteria, terms and conditions apply. See: