Westpac
BusinessChoice Everyday
Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.
Credit cardsBank updated 16 July 2026
At a glance
- Purchase rate
- 14.25%
- Cash advance
- 19.96%
- Interest-free days
- 55
- Annual fee
- $75
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| 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| Cash advanceInterest on cash advances | — | — | — | 19.96% | — | Applied to any amount of 'cash' withdrawn from account.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 |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | — |
| Overlimit Fee | Event | No 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… |
| Missed Payment Fee | Late payment | No 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… |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | — |
| Card Fee | Periodic | $75 | Every 1 yr | 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. |
| Data Feed Fee | Periodic | $5 | Every 1 mo | 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… |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | 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… |
| Overseas ATM cash withdrawals (partner) | Transaction | No fee | — | — |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionRelationship manager55 interest-free days99 additional cardsGarmin PayApple PayGoogle PaySamsung PayComplimentary insuranceInterstate Flight Inconvenience insuranceCardholder's Transit Accident insuranceAccount holder's Unauthorised Transaction insurance
- · 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.
- · Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- · 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…
- · 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…
- · 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.
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Principals must be a permanent resident or Australian citizen
- · Available to businesses
- · Amount $2,000 to $250,000
§ 06 — Run the numbers
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Published by Westpac under the Consumer Data Right, last changed by them on 16 July 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.