Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

BusinessChoice Everyday Visa

Latest Information

Our BusinessChoice Everyday Visa credit card is no longer available. See our full range of available credit cards.

BusinessChoice Everyday Visa credit card holders

If you currently have a BusinessChoice Everyday Visa credit card, nothing has changed. Existing benefits, features, fees and the conditions will continue to apply including those outlined below.

Features

Joint and several liability

The Business and each of the business principals who applied for the BusinessChoice Everyday Visa credit card are each liable to the bank jointly and severally for all amounts outstanding on the BusinessChoice Everyday Visa account.

Read about the difference between personal liability and joint and several liability and how BusinessChoice credit limits work.

Individual credit limits

Individual card credit limits from $1,000 on up to 10 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 contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card 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 229KB) 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

  • Accountholder's unauthorised transaction insurance: Liability for unauthorised cardholder transactions limited to $20,000 per cardholder and $150,000 per account holder in 12 month period.
  • Cardholder's transit accident insurance protects against specific accidental death or injury when sustained riding as a passenger in a plane, bus, train or ferry.
  • Flight inconvenience insurance: When card is used to pay for a flight, cardholder is entitled to be reimbursed for certain costs for meals, refreshments, clothing, shoes and toiletries purchased as a result of flight delays or missed connections.

Fees

Fees (these may change) 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 your 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 charge

$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 229KB)

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.

BusinessChoice Cards Terms and Conditions (PDF 229KB)

 

Things you should know:

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.

 

1Complimentary 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 761KB)Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.