Consider the Westpac Altitude Business card range if you want a business credit card. Why? The Altitude Business Card range has a relatively unique benefit. The opportunity to earn points into Altitude Rewards and transfer them to various frequent flyer programs, including Qantas Frequent Flyer.
On top of that, there are competitive earning rates for every dollar spent on the card. Also, a current no-annual fee offer in the first year – but no bonus points.
The $1450 p.a. American Express Platinum Business Card and some older (now not available) Citibank and Commonwealth cards are other cards on the market that let you accrue points to transfer to Qantas later.
This is a mid-tier card, sitting below its sister card, the Westpac Altitude Business Platinum Credit Card.
Digging into the details
Card Details
| Card | Altitude Business Gold Mastercard |
| Loyalty program | Altitude Rewards |
| Points earned from spend | 1 Altitude points per $ spend 0.5 Altitude points per $ on government transactions |
| Points cap | 20,000 points per statement period |
| Earns points at ATO | Yes - as a Government transaction |
| Included insurances | Travel insurance, purchase insurances and some business related insurances (PDS) |
| Overseas transaction fee | 3.0% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay, Samsung Pay |
| Annual fee | $150 |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | Domestic Spend | Overseas Spend |
|---|---|---|
| Qantas Points | 0.5 point / $ | 0.5 point / $ |
| Velocity Points | 0.33 point / $ | 0.33 point / $ |
| Singapore Airlines KrisFlyer miles | 0.33 Mile / $ | 0.33 Mile / $ |
| Cathay Pacific Asia Miles | 0.33 Mile / $ | 0.33 Mile / $ |
The Altitude Business Gold account is very similar to the Platinum account but with the following key differences:
- Points cap of 20,000 points per statement period
- Standard annual fee of $150
- Only earns 1 point per dollar spend on overseas transactions
The Altitude Business Platinum card is a higher points earner than the Altitude Gold which comes in at 1 points per dollar on all eligible spending except government payments, which earn 0.5 points per dollar.
The effective earn rate over to Altitude Rewards airline partners then is as follows:
Velocity, KrisFlyer and Asia Miles
- 0.33 point per dollar on eligible spend
- 0.16 point per dollar on Government transactions
Westpac Altitude Business Apple Pay, Google Pay & Samsung Pay support
Westpac Altitude Business cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up
The Westpac Altitude Business Gold Credit Card allows businesses to earn points on their everyday business expenses. Cardholders also benefit from the flexible program nature of the Altitude Rewards program. Altitude Points can be transferred to one of five frequent flyer programs, including Qantas Frequent Flyer, which is unique in the market.
The card also allows points to be earned on government spending, albeit at a lower earning rate.
As a mid-tier card sitting below the Altitude Business Platinum Card, this may be a good introductory card if you have a fledgling business or are still quite small where your business expenses are still at a modest amount and points caps are therefore not a hindrance.
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