Newcastle Permanent
Business Plus Credit Card
A business credit card designed to help separate company and business expenses, manage spending, and simplify bookkeeping.
Credit cardsBank updated 25 Aug 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 11.99%
- Interest-free days
- 44
- Annual fee
- $55
- Foreign transaction fee
- 3.00%
- Balance transfer
- 11.99%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | P&I | — | — | 11.99% | — | — |
| Cash advance | P&I | — | — | 11.99% | — | — |
| Purchase | P&I | — | — | 11.99% | — | — |
§ 02 — Fees · 21
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 2.00% of transaction | — | Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. Minimum of $2.50. |
| Dishonour Fees (Direct debit or payment) | Dishonour | $9 | — | A payment may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly compl… |
| Disputed Transaction Fee | Event | $10 | — | Payable upon enquiry |
| Overlimit Fee | Event | $25 | — | Payable for each statement period in which there is an overlimit |
| Late Payment Fee | Late payment | $5 | — | Payable for each statement period that the minimum payment amount is not processed to your credit card account |
| Annual Fee | Periodic | $55 | Every 1 yr | Payable per card, annually in advance on the anniversary date the card account is opened |
| Foreign Currency Conversion Fee | Purchase | 3.00% of transaction | — | Applies when a card is used to perform a transaction overseas or where a merchant processes the payment overseas. |
| Credit Card Replacement Fee Overseas | Replacement | $100 | — | Applies for each replacement card you or an additional cardholder requests overseas |
| Credit Card Replacement Fee within Australia | Replacement | $20 | — | Applies for each replacement card you or an additional cardholder requests within Australia |
| Legal and Documentation Fee 5 | Replacement | $100 | — | Replacement of documents due to original documentation being lost or amendments to original documents required |
| Replacement Statement Fee | Replacement | $10 | — | Payable on reissue of a statement |
| Registration Fee | Upfront | Varies | — | — |
| Settlement Fee | Upfront | $300 | — | — |
| Valuation Fee | Upfront | Varies | — | — |
| Legal and Documentation Fee 1 | Variation | $250 | — | New or increased facility and substitution of security not requiring Authority to Set Off Deposits and/or Guarantee |
| Legal and Documentation Fee 10 | Variation | $100 | — | Unsecured Business plus Credit Card not requiring Guarantee |
| Legal and Documentation Fee 2 | Variation | $350 | — | New or increased facility and substitution of security plus Authority to Set Off Deposits and or Guarantee |
| Legal and Documentation Fee 3 | Variation | Varies | — | New facility where the file contains: Trusts; Commercial Security; Company Mortgage; PPSR; Any other specialised security |
| Legal and Documentation Fee 4 | Variation | $250 | — | Partial Release or Discharge of Security |
| Legal and Documentation Fee 7 | Variation | $100 | — | Additional Authority to Set Off Deposits and/or Guarantee |
| Legal and Documentation Fee 8 | Variation | $150 | — | Consent and Execution of Leases, Plans of Subdivision etc. |
§ 03 — Features
Digital bankingUnlimited transactionsBalance transfersRelationship manager44 interest-free daysApple PayGoogle Pay
§ 04 — Eligibility & limits
- · Minimum age 16
- · Residency: Available to permanent Australian Residents
- · Available to businesses
- · Amount $500 to $50,000
- · Subject to credit approval
§ 05 — Compare
§ 06 — Run the numbers
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Published by Newcastle Permanent under the Consumer Data Right, last changed by them on 25 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.