--- title: "BusinessChoice Everyday — Westpac" description: "Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/westpac/products/CCBusLowRate source: "CDR Compare" language: en-AU last_updated: 2026-07-15T23:40:33Z --- # BusinessChoice Everyday — Westpac > Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday. ## At a glance - **Purchase rate:** 14.25% - **Annual fee:** $75.00 ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Purchase (Interest on purchases · Charged to purchase balances where full closing balance is not paid by due date) | 14.25% | — | — | | Cash advance (Interest on cash advances · Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account)) | 19.96% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Card Fee — Charged yearly · The BusinessChoice Everyday Annual Card Fee is currently $75 per card. When you spend $15,000 or more on a specific card, the annual Card Fee will be waived on that card in the following year. | Ongoing | $75.00 | | Foreign Transaction Fee — Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | Transaction | 3% of transaction | | Cash Advance Fee | Cash advance | 3% of transaction | | Missed Payment Fee — $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November 2021. May be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the missed payment charge will be debited to your account. | Late payment | $0.00 | | Account Keeping Fee — Charged monthly | Ongoing | $0.00 | | Overseas ATM cash withdrawals (partner) | Transaction | $0.00 | | Overlimit Fee — $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Overlimit fee will be charged for business credit card accounts opened on or after 22 November 2021. May be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. | Event | $0.00 | | Data Feed Fee — Charged monthly · Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data Feeds. The fee will be charged at the end of each statement cycle. Please refer to T&C for more information. | Ongoing | $5.00 | ## Features - **Additional cards** — up to 99 (Add up to 99 employee cards: Control employee business expenses with individual credit limits for each additional card.) - **Our lowest Annual Fee: Annual Card Fee is currently $75 per card, which will be waived for each card that spends $15,000 or more.** - **Interest-free period** — 55 days (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.) - **Digital wallet** — Garmin Pay (Tap and pay quickly and easily using Garmin Pay.) - **Digital wallet** — Apple Pay (Tap and pay quickly and easily using Apple Pay.) - **Digital wallet** — Google Pay (Tap and pay quickly and easily using Google Pay.) - **Digital wallet** — Samsung Pay (Tap and pay quickly and easily using Samsung Pay.) - **Click to Pay - Online shopping made quick, simple and secure with Click to Pay.** - **Digital banking** (Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it) - **Insurance included** — Complimentary insurance (Get covered for the basics with complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience in accordance with the policy (conditions, limits and exclusions apply).) - **Insurance included** — Interstate Flight Inconvenience insurance (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).) - **Insurance included** — Cardholder's Transit Accident insurance (Protection against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or 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).) - **Insurance included** — Account holder's Unauthorised Transaction insurance (Account holder's Unauthorised Transaction insurance - liability for unauthorised cardholder transactions limited to $20,000 per cardholder and $150,000 per account holder in a 12 month period. ) - **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 for full details of when cardholders may be liable. ** - **Extra repayments** (The product has EXTRA_REPAYMENTS option available. ) - **Fraud protection** (The product includes FRAUD_PROTECTION features.) - **Relationship management** (RELATIONSHIP_MANAGEMENT is available for eligible customers.) - **Statements of account for the Billing Account shall be issued monthly and will be addressed to the Contact Person. In addition, each Cardholder will be provided a statement of account for their Card.** - **Card Autopay Facility : You may authorise us to automatically withdraw funds from your nominated account to make payments to the Card Account using a Card Autopay facility. You may elect to pay: The minimum payment shown on the Card Account Statement, or the full amount shown as the ?closing balance? on the Card Account Statement, or, A fixed dollar or percentage of the closing balance on the Card Account Statement** - **The minimum payment that we require from you (being the Primary Cardholder) each month will be shown on the Card Account statement. Your payment due date is 25 days from your statement date. Please refer T&C document for more details about the minimum payment required.** - **Fraud protection** (Westpac Protect and Card Security: We have a range of built in technology protecting you and your business behind the scenes 24/7 ? from fraud and scam monitoring to our Fraud Money Back Guarantee.) - **Billing Account: Receive one detailed monthly statement to track employee spend across up to 99 cards, then make one easy payment to your Billing Account to repay the outstanding balance on all cards.** - **Automated Bank Feeds - Set up automated bank feeds from your BusinessChoice Everyday credit card to your MYOB accounting software and make tax time easier.** - **Financial control made easy: Tag transactions with custom labels and track monthly income vs expenses at a glance - all in one place with Business Money Tools.** - **Contactless Payments: Cards can be linked to your Digital wallet for fast and secure contactless payments using your smartphone and wearables.** ## Eligibility - **Minimum age** — 18 years (18+ years old) - **Residency status** — Principals must be a permanent resident or Australian citizen - **Business customers** (Your Business must be registered in Australia and for GST) - **Business customers** (ABN must be registered for at least 12 months) ## Constraints - **Minimum limit** — $2,000.00 - **Maximum limit** — $250,000.00 ## More information from Westpac - [Overview](https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/) - [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/010BusinessChoiceCardsT_C.pdf) - [Eligibility](https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/) - [Fees & pricing](https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/) ## Data provenance - Published by Westpac under the Consumer Data Right - Product ID: `CCBusLowRate` - Last updated by the provider: 15 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/CCBusLowRate - Provider page: https://www.cdrcompare.au/brands/westpac - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/CCBusLowRate) — product data published by Australian data holders under the Consumer Data Right. 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