BusinessChoice Everyday Mastercard®

Westpac BusinessChoice Everyday Mastercard®

My rate: 
17%
 
My annual fee: 
$90
 
Price of my purchase: 
$5,000
 
Offer
Card features
balance transfer
purchase rate
annual fee
Money saved
Westpac BusinessChoice Everyday Mastercard®
Westpac BusinessChoice Everyday Mastercard®
Low 14.25% p.a. rate on purchases.
Low annual fee of $75 p.a. on each card.
Up to 10 additional cardholders.
Add to comparison
-
12 months
0% p.a.
then 14.25%
$75
ongoing
 
saved over 12 months
Similar cards

Pros & cons

What's good?

What's not so good?

Low 14.25% p.a. rate on purchases.
Low annual fee of $75 p.a. on each 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.
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.
Up to 10 additional cardholders.
Tap & go™ quickly and easily using your Mastercard® for a faster transaction.
Get a response in 60 seconds.
The 19.96% p.a. Cash Advance rate is a bit high for a low rate card.

All new BusinessChoice Everyday credit cards applied for on or after 1 March 2019 will be Mastercard branded. You should consider the changes to BusinessChoice Everyday in your decision to apply.

Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Mastercard
Card use
Business
Credit rating
Any
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$100,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
None
Temporary residents
Yes

Cardholders

Additional cardholders
10
Additional card fee
$75 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$100,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
whichever is greater, $10 or 3%

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfersN/AN/AN/A90% of credit limit N/A
Purchases0% p.a.12 monthsN/AN/A 14.25% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 1.66% 19.96% p.a.
Purchases 1.19% 14.25% p.a.

Fees

Annual fee
$75 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
$5
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
$15
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$2.50
Overseas emergency card replacement fee
$0
Transaction verification fee
$0

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $100,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Age Pension, Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Foster Care Allowance are acceptable.
Joint applications are not allowed
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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