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BusinessChoice Everyday

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 $100,000.

BusinessChoice Everyday low rate credit card

Lower annual card fee

Currently $75 per card and 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.

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.

Basic insurance

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 10 cards

Manage your employee business expenses more easily with access to up to 10 cards allowing for different credit limits to be assigned to each.

Fees

Amount

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.

Duplicate statement fee

$2 is debited from your card account when you request a statement that has already been issued.

These charges will appear on your credit card statement on or after the day(s) you order the duplicate statement.

For more fee information see the BusinessChoice Cards Terms and Conditions (PDF 913KB)

Transaction

Interest rates

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

For more interest rate information see the BusinessChoice Cards Terms and Conditions (PDF 913KB)

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

Find out what information you need to provide to become a customer.

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

Complimentary insurance covers (effective 1 October 2017): AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, 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), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Commercial Cards Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading Commercial Cards Insurance Policy (effective 1 October 2017) (PDF 357KB).