BusinessChoice Everyday Mastercard
Latest Information
Our BusinessChoice Everyday Mastercard credit card is no longer available. See our full range of available credit cards.
BusinessChoice Everyday Mastercard credit card holders
If you currently have a BusinessChoice Everyday Mastercard credit card, nothing has changed. Existing benefits, features, fees and the conditions will continue to apply including those outlined below.
Features
Business liability
With a business credit card that has a Business liability structure, the Business (whatever business type that may be) is liable for the payment of all amounts owing on the credit card account and ensuring all cardholders comply with the Terms and Conditions of the 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 exporting your transactions into MYOB and BAS with ease. You can also download your transactions into a spreadsheet to make analysis of your business transactions easy (check the terms and conditions before deciding).
Pay faster with Mastercard tap and goTM technology
For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap and goTM card or device 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:
- Cardshield™
- Extra Security when you shop at participating online retailers and Mastercard® SecureCode™ through the Westpac Added Online Security service.
- Fraud Protection 24/7
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 631KB) 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 oversight.
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).
Fees
| Fees (these may change) | Amount |
|---|---|
| Card Fee (per year) | $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 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) your credit limit is exceeded. |
For more fee information see the BusinessChoice Cards Terms and Conditions (PDF 631KB)
Rates
| Transaction | Interest rates |
|---|---|
| Purchases | 14.25% p.a. (variable) |
| Cash advances | 19.96% p.a. (variable) |
Contact us
Please feel free to contact us anytime on 132 142.
Things you should know
BusinessChoice Cards Terms and Conditions (PDF 631KB)
Annual Card Fee: For BusinessChoice Rewards Platinum Visa and BusinessChoice Everyday Visa, an annual Card Fee is payable for each card associated with the facility.