Low rate business credit card for everyday purchases
Stay on top of your business expenses with our lowest interest rate and fee credit card.
BusinessChoice Everyday
Offers more savings for your business
Fee waiver is available for up to 99 cards.
BusinessChoice Everyday credit card features
Interest Free Days
Receive up to 55 days interest free on purchases to help manage your monthly cash flow.
Our lowest interest rate
Variable purchase rate: 14.25% p.a. available on up to 99 cards - each set with individual credit limits.
Our lowest Annual Fee
Financial control made easy
Tag transactions with custom labels and track monthly income vs expenses at a glance - all in one place with Business Money Tools.
Contactless Payments
Cards can be linked to your Digital wallet for fast and secure contactless payments using your smartphone and wearables.
Add up to 99 employee cards
Control employee business expenses with individual credit limits for each additional card.
How to Apply Online
You can apply online if your business structure is a partnership, Australian proprietary company, Australian public company or incorporated association, meets eligibility criteria and is not a corporate trustee of a self-managed super fund. For other business structures please contact one of our business specialist on 132 142.
BusinessChoice Everyday credit card extra features
From automated bank fees to complimentary insurance, our low-rate business credit card offers added value to make running your business a little faster, safer and easier.
Automated Bank Feeds
Complimentary Insurances
Billing Account
Westpac Protect and Card Security
Rates and Fees
With a BusinessChoice Everyday credit card you can apply for a credit card limit between between $2,000 and $250,000.
Fees |
Amount |
|---|---|
| Variable Purchase rate | 14.25% |
| Variable Cash rate | 19.96% |
| Card Fee (per year) |
$75 for each card
|
| 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 Advance Fee |
3% of the cash advance amount.
These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed Payment Fee |
From 22 November 2021: $0 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. |
| Overlimit Fee |
From 22 November 2021: $0 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. |
Frequently asked questions
The difference between personal and business liability credit card is the owner of the credit card account, who is responsible for all transactions and balances owing on the credit card account.
- For Personal Liability credit cards, the business owner is personally responsible for all transactions made with the credit card. They are also responsible for repaying all balances owed to the credit card account. Personal Liability credit cards are suited for small businesses, including sole traders and partnerships.
- For Business Liability credit cards, the Business is liable for the transactions made on each card linked to their facility. The business is responsible for repaying all balances owed to the credit card account. Business Liability credit cards are suited for company structured business entities including Australian propriety company, Australian public company and others.
A BusinessChoice Everyday credit card is a Business Liability credit card.
A facility is the account that holds the approved credit limit for your business. Your approved limit can then be allocated across up to 99 cards, linked to your BusinessChoice facility.
- The business can set individual limits for each card
- Outstanding balances across all cards is repaid with one payment to your Billing Account by the due date on your statement.
A Westpac BusinessChoice Everyday credit card offers credit limits between $2,000 and $250,000. Applications are subject to approval and credit criteria.
- Up to 99 cards can have individual limits set up to the total approved credit limit for your facility.
Interest free days apply to purchases made on a Westpac business credit card. To get up to 55 days interest free you must pay the full closing balance by the date due.
- Closing balance due dates are provided on your monthly statement.
- Interest free days do not apply to cash advances.
Help when you need it
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds. The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges. Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.
*Currently Business Credit Cards and Business Term Deposits accounts aren’t available for third-party service provider’s except MYOB. This may be extended to other third-party service providers in the future.
^Annual Card fee to be waived in the next year. To be eligible for BusinessChoice Everyday annual card fee waiver, you must spend $15,000 or more on a specific card each year ending 30 June, which applies to up to 99 cards associated with the facility.
Information current as of 15 July 2026.