• Separate business from personal expenses1 and manage your cashflow.
  • Get rewards quickly. Earn 1.25 hotpoints® for every $1 of business spend2.
  • Up to 35 days of overseas travel insurance4.
  • Pay in full each month or make the minimum payment5.
  • Add additional cards for a business partner or up to five employees.
  • Purchase protection4 up to 90 days, and extended warranty on purchases.
  • 24-hour credit card emergency assistance.

Send your data electronically

Send your accountant your card data directly, via Xero or MYOB/BankLink.

No fees on overseas cash withdrawal

Use an ATM in the Global Alliance Group6 and pay no international transaction fees.

Choose how you pay

Pay via automatic payment, direct debit, bill payment via Westpac One® or Business Online, phone banking, funds transfer or at any Westpac branch.

Access all your accounts

Link your Westpac savings or transaction accounts to your BusinessPLUS Mastercard® with hotpoints for easy access at ATMs and checkouts.

Manage online

Manage your card through Westpac One or Business Online.

How it works.

hotpoints is our rewards programme. You earn hotpoints on your business spending using your BusinessPLUS Mastercard with hotpoints. Every dollar you spend on your card on eligible spends², earns you hotpoints, which you can redeem for rewards on the hotpoints website, or by using hotpoints Pay®⁷. hotpoints Pay allows you to pay for your purchases wherever Mastercard is accepted, in-store or online.


Interest rates are subject to change.




Fees are subject to change. Some overseas banks and ATMs may charge an extra fee for a cash advance.

How to apply.

New to Westpac, or don't have Westpac One?

Sign up for an account or a credit card online.

Apply online

Already using Westpac One?

Save time and apply for a credit card using Westpac One.

Apply in Westpac One

Call us

Speak to one of our friendly specialists.

Call 0800 888 111

In branch

Make an appointment at any branch and we'll help.

Find a branch

Things you should know.

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

2 Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit Card Conditions of Use for details.

3 Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See credit card interest-free period page for how it works.

4 Terms, conditions, exclusions and eligibility criteria apply, including a minimum spend for certain travel regions. Please see the Westpac Platinum Mastercard Insurance policy for full details. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.

5 If you only make a minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.

Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply - see the Business Transaction and Service Fees brochure.

7 hotpoints terms and conditions apply. Only qualifying purchases (which, for the avoidance of doubt, do not include any purchases or transactions which are excluded transactions) made with a hotpoints Mastercard can be used for hotpoints Pay. In addition, there is a minimum number of hotpoints that must be earned before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for full details.

8 Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Business Mastercard. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. Interest rates are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use.

Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time.

hotpoints is a registered trademark of Westpac Banking Corporation.

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

Business Cards are only available for business purposes and not for personal, domestic or household purposes.

Terms and conditions

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