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Compare our business credit cards

	BusinessChoice Rewards Card	BusinessChoice Everyday Card
Account features
Reward program	Qantas Frequent Flyer points on purchases through the BusinessChoice Rewards program ($1.50 spent = 1 Qantas Frequent Flyer point)⁵	Not applicable
Interest rate (variable)	18.99%p.a. on purchase and cash advances	14.99% p.a. on purchases 19.65% p.a. on cash advances
Interest free period on credit purchases⁴	Up to 45 days	Up to 45 days
Annual card fee	$150 per card	$75 per card (waived for a card when spend on that card in previous year is $15,00 or more)
Cards	VISA/ MasterCard®	VISA/ MasterCard®
Complimentary insurance covers provided in accordance with the relevant policy²	Travel related: Overseas travel insurance, Interstate flight convenience, Cardholder's transit accident Business related: Accountholder's unauthorised transaction, Accountholder's business inconvenience. Purchase related: Purchase security, Extended warranty, Accountholder's guaranteed pricing scheme	Travel related: Interstate flight convenience, Cardholder's transit accident Business related: Accountholder's unauthorised transaction.
Maximum cards per account³	10 (including principal's card)	10 (including principal's card)
Consolidated monthly statement (principal only)	Yes	Yes
	BusinessChoice Rewards Card	BusinessChoice Everyday Card

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1.Qantas Frequent Flyer points accrue at individual cardholder level only. New points earned during a statement cycle are added to your points balance on a monthly basis, usually within 14 days after your statement is issued. The earning of Qantas Frequent Flyer points through the BusinessChoice Rewards Card is subject to the BusinessChoice Rewards Card Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and have provided Westpac with your valid Qantas Frequent Flyer number. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. A joining fee applies. Please refer to qantas.com/frequentflyer or call the Qantas Frequent Flyer Service Centre on 13 11 31 for more information.
2. Insurance covers are issued by Zurich Australia Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of those policies. The benefits of the insurance covers are extended to Westpac's accountholders or cardholders as relevant (as third party beneficiaries) as complimentary benefits. The accountholder or cardholder is under no obligation to accept the benefits of the covers and cover is subject to the terms and conditions and exclusions of the policies. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must comply with the insurance terms and conditions. No Westpac group company has any liability in connection with the insurance policies. The BusinessChoice Rewards Card complimentary insurance terms and conditions may be obtained by calling 1300 367 228 or by downloading from westpac.com.au. The Commercial Card Insurance Policy under which compliemntary insurance covers are made available to BusinessChoice Everyday Credit Cardholders may be obtained by calling 1300 367 228 or by downloading from Westpac.com.au.
3. The minimum credit limit for any business is $2000, and the minimum credit limit per card is $1000. Credit limits for the business can be changed by Westpac at any time and the Principal can change the limit of individual cardholders at any time provided the limit is within the business limit
4. On credit purchases only, where the closing balance is paid in full by the statement due date each month.
5.In accordance with the BusinessChoice cards Terms and Conditions.

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