Westpac BusinessChoice Everyday Mastercard

An everyday business credit card that offers a range of money-saving features and a low annual fee.

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.

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14.25% p.a.

Purchase rate

$75 p.a.

Annual fee

55 days

Interest free period

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Product NameWestpac BusinessChoice Everyday Mastercard
Purchase rate14.25% p.a.
Annual fee$75
Interest-free periodUp to 55 days on purchases
Cash advance rate19.96% p.a.
Min credit limit$2,000
Max credit limit$250,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


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


  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$75
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$75
Number of additional cardholders10

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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.

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    Default Gravatar
    February 9, 2015

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

      Avatarfinder Customer Care
      February 10, 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.



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