WestpacBusinessChoice Everyday
Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.
At a glance
- Purchase rate
- 14.25%
- Cash advance
- 19.96%
- Interest-free days
- 55
- Annual fee
- $75
- Foreign transaction fee
- 3.00%
Rates
Every rate Westpac publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | - | - | - | 19.96% | - | Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account) |
| PurchaseInterest on purchases | - | - | - | 14.25% | - | Charged to purchase balances where full closing balance is not paid by due date |
Fees
8 fees published, grouped by when they're charged.
While you hold it3
- Account Keeping FeeNo fee
- Card Fee
Per card. Spend $15,000 or more on a specific card in a year for the annual card fee to be waived on that card in the subsequent year.
$75 a year - Data Feed Fee
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 F…
$5 a month
When you make a transaction3
- Cash Advance Fee3.00% of transaction
- 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 fi…
3.00% of transaction - Overseas ATM cash withdrawals (partner)No fee
If a payment is late or fails1
- Missed Payment Fee
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 p…
No fee
When particular things happen1
- 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…
No fee
Features
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- 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.
- 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 m…
- 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 r…
- 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.
- 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.
- Automated Bank Feeds - Set up automated bank feeds from your BusinessChoice Everyday credit card to your MYOB accounting software and make tax time easier.
- Contactless Payments: Cards can be linked to your Digital wallet for fast and secure contactless payments using your smartphone and wearables.
Eligibility and limits
- Minimum age 18
- Residency: Principals must be a permanent resident or Australian citizen
- Available to businesses
- Amount $2,000 to $250,000
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Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 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.