In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Westpac BusinessChoice Everyday Mastercard

  • Avatar
Westpac BusinessChoice Everyday Mastercard
Terms and conditions apply
Purchase rate
14.25% p.a.
Annual fee
$75 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

An everyday business credit card that offers competitive rates and individual card limits, with a $75 annual fee per card.

The Westpac BusinessChoice Everyday Mastercard is a straightforward business credit card with a handful of useful extras. It offers compatibility with MYOB and BAS so you can directly export transactions and also gives you a way to export data to Microsoft Excel. If you're sharing the account with employees, the customisable credit limits are also a handy feature to help manage and track spending.

Pros

  • A low purchase rate of 14.25% p.a.
  • Complimentary insurance covers including transit accidents, unauthorised transactions and flight inconvenience

Cons

  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Westpac BusinessChoice Everyday Mastercard has an annual fee of $75 per card, a competitive variable purchase rate of 14.25% p.a. and up to 55 days interest-free on purchases.

Details

Product details

Product Name Westpac BusinessChoice Everyday Mastercard
Purchase rate p.a.
Purchase rate p.a.
14.25%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 19.96%
Min credit limit $2,000
Max credit limit $250,000
Card type Mastercard

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application Yes

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$75
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 2% or $2.50, whichever is greater
Overseas cash advance fee 2%
Additional cardholder fee $75
Number of additional cardholders 10

How to apply

You can apply for the Westpac BusinessChoice Everyday credit card online in around 20 minutes, with responses offered within 1 business day of submitting the completed application form. Get started by making sure you meet the following eligibility requirements and have all the relevant documents and details on hand.

Eligibility criteria

  • Business requirements. You must be the business owner, trustee or company director. You also need to have an active ABN or ACN and intend to use the card for business spending.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Annual fee waiver. If you spend $15,000 or more in one year on an individual card, the annual fee on that card will be waived for the subsequent year.
  • Flight inconvenience insurance. Use your Westpac BusinessChoice Everyday card to pay for flights and you can get cover for a range of costs that may arise if your flight or luggage is delayed, or if you miss a connection.

Rates & fees

  • Annual fee. Outside of any promotions, the Westpac BusinessChoice Everyday Mastercard charges a standard annual fee of $75 per card.
  • Cash advance rate. Cash advance transactions accrue interest at 19.96% p.a.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question
Avatar

Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Avatar

Pauline

February 09, 2015

Can monthly direct debit payments to various service suppliers be setup on a BusinessChoice Everyday Visa Credit Card?


Avatar

Jonathan Finder

February 09, 2015

Hi Pauline, thanks for your inquiry!


As long as the merchant/ recipient supports direct transfer payment, direct debit is possible from the BusinessChoice Everyday Card.


Cheers,


Jonathan


Go to site