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BusinessChoice Everyday Mastercard®

Stay on top of your business expenses with a credit card that offers a lower interest rate on purchases, a low annual card fee and credit limits from $2,000 to $250,000.

BusinessChoice Everyday low rate credit card
Lower annual card fee

Currently $75 annual card fee. If spend on a specific card is $15,000 or more then the annual card fee will be waived on that card in the following year.

Lower rates

Stay on top of your business expenses with access to two lower rates: 14.25% p.a. variable interest rate on purchases and 19.96% p.a. variable interest rate on cash advances.

Complimentary insurance1

Get covered for the basics with complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience in accordance with the policy (conditions, limits and exclusions apply).

Up to 99 cards

Manage your employee business expenses more easily with access to up to 99 cards allowing for different credit limits to be assigned to each.



Annual card fee

$75 for each card

Spend $15,000 or more on a specific card in a year for the annual card fee to be waived on that card in the subsequent year.

Foreign transaction fee

3% of the Australian dollar value of any Foreign Transaction.

It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash advances / withdrawal fee

$2.50 if you account is in credit (has a positive balance) after a cash advance transaction.

2% of the cash advance amount (minimum $2.50 and maximum $150) if your account is in debit after the cash advance transaction (has a negative balance).

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee

$15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date.

These charges will be debited to your account and appear on your credit card statement.

Over-limit fee

$15 each time you exceed your limit during a statement cycle. This fee may also be charged whenever your account is over the limit at the beginning of a statement cycle.

These charges will appear on your credit card statement on or after the day(s) you credit limit is exceeded.

For more fee information see the BusinessChoice Cards Terms and Conditions (PDF 451KB)


Interest rates

Purchases 14.25% (variable)
Cash advances 19.96% (variable)

For more interest rate information see the BusinessChoice Cards Terms and Conditions (PDF 451KB)

Information needed

  • Income, employment, financial commitment details, Liabilities, assets and expenses
  • Business details (including ABN, principal's details, address, phone number)
  • Personal and the Business finances, including  after-tax income (including previous year)
  • Accountant or financial secretary details (including phone number is optional)
  • Australian driver's licence (if you have one).
  • Westpac account and customer numbers (where applicable).

What to expect

The application form will take approximately 20 mins to complete (10 mins for existing customers).

Applicants must be

  • Australian permanent residents
  • Over 18 years old
  • Intending to use the facility for business or investment purposes
  • The business owner, trustee or company director
Things you should know

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.


1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 824KB) /   Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

2. Read the Westpac Online Banking Terms and Conditions (PDF 305KB) before making a decision.

Not all accounts are eligible to be connected via a bank feed. These can include loan accounts and accounts requiring multiple authorisations for transactions.

Note: Your bank feed must be set up with your third-party service provider (software company) before it can be connected in Westpac Online Banking. If your software company does not appear in the drop down menu in Westpac Online Banking, you may need to check that it is registered with Westpac. Should there be any changes in your user access or network access levels, you may wish to disconnect your bank feed(s) as any such changes will have no impact on your bank feeds.


Annual card fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual card fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual card fee is payable for each card associated with the facility.

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