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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.

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.

Business Liability 

For Business Liability, the Business that makes the application for the card is liable to the bank for all amounts outstanding on the BusinessChoice Everyday Mastercard account.

For Joint and Several Liability, the Business and the principals who apply for the card on behalf of the business are each liable to the bank jointly and severally for all amounts outstanding on the BusinessChoice Everyday Mastercard account.

Read about different liability structures available for a BusinessChoice credit card.

Individual credit limits

Individual card credit limits from $1,000 on up to 99 cards for each account to keep track of each card's activities.

Up to 55 days interest free on purchases

Up to 55 interest free days on purchases when you pay off your Closing Balance in full by the due date shown on your statement each month.

Easy tax reporting

Make tax reporting easy by setting up (and managing) an automated bank feed2 to connect your billing account(s)* and all cards linked to the account(s) with your third-party service provider, through Westpac Online Banking or easily export your transactions from Westpac live as a CSV file and import into your chosen system.

Both options could help reduce the time you spend on manual data entry from your business accounts – and make it easier to reconcile your transactions and monitor your cash flow.

Pay faster with Mastercard tap & goTM technology

For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & goTM against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the BusinessChoice Cards Terms and Conditions (PDF 486KB) for full details of when cardholders may be liable. Further information on resolving credit card transactional issues please go to What to do if there is a fraudulent transaction on your card.

Manage your account online for greater convenience

Principals, with access to the master 'billing account' can:

  • View and obtain copies of individual credit card statements
  • Assign different credit limits to each cardholder
  • Monitor overall spending to track available credit for greater account visibility.

Complimentary insurance covers1

The information below is a summary only. Please refer to the Credit Card Complimentary Insurance Terms and Conditions (PDF 160KB) for full details on benefits, terms, limits, conditions and exclusions. An excess may be deducted from certain payments as detailed in the policy booklet.

  • Unauthorised Transaction Insurance will indemnify the account holder for eligible unauthorised transaction (terms, conditions, exclusions and eligibility criteria apply).
  • Transit Accident insurance covers against specified accidental death or injury while riding, boarding or alighting as a passenger in a plane, sightseeing bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
  • Interstate Flight Inconvenience Insurance covers against Cancellation, Flight Delay, Luggage, Luggage Delay and Funeral Expenses when you charge the entire cost of the return interstate flight to your eligible credit card (terms, conditions, exclusions and eligibility criteria apply).
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 (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the  Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB) /   Commercial Cards Insurance Policy (PDF 160KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
2.Read the  Westpac Online Banking Terms and Conditions (PDF 555KB) before making a decision. Not all accounts* are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.

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: 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.