BusinessChoice Everyday
Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.
- 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| Cash advance Interest on cash advances · Applied to any amount of 'cash' withdrawn from account.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 |
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.
Eligibility
- Minimum age — 18 years18+ years old
- Residency status — Principals must be a permanent resident or Australian citizen
- Business customersYour Business must be registered in Australia and for GST
- Business customersABN must be registered for at least 12 months
Constraints
- Minimum limit — $2,000.00
- Maximum limit — $250,000.00
More Information
Published by Westpac under the Consumer Data Right · Last updated 15 July 2026 · Product ID CCBusLowRate · View on CDR.gov.au