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Westpac BusinessChoice Everyday Mastercard
Westpac BusinessChoice Everyday Mastercard

Westpac Credit Cards

Westpac BusinessChoice Everyday Mastercard

Updated 12 February 2024

Stay in control of your expenses with an everyday business credit card loaded with money-saving features. Enjoy lower purchase and cash advance interest rates, a low annual fee of $75 per card, and up to 55 days interest-free on purchases. Plus, enjoy complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience. T&Cs apply.

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Pros and cons

  • 14.25% p.a. on purchases
  • Annual fee of $75 per card; waived in the subsequent year if you spend $15,000 or more
  • Access to up to 99 cards with set individual credit limits
  • Complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience

  • No points earn review

Editor Review

Westpac BusinessChoice Everyday Mastercard

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Westpac BusinessChoice Everyday Mastercard

While some business credit cards are chock-full of fancy extras and complicated rewards programs, others business offerings prefer to keep it simple, offering just what’s needed, in an everyday kind of way. Much like the Westpac BusinessChoice Everyday Mastercard, for example.

Helping business owners save money with a lower annual fee and lower rates of interest on cash advances and purchases, this card provides only what’s needed. Cardholders can benefit from easier cashflow with access to credit, plus some essential features. Easy as that!

What we love...

Designed to be easier on the pocket than gold or platinum business cards, the Westpac BusinessChoice Everyday Mastercard is a simple card with very few frills. In terms of money-saving, this card offers a two-pronged point of attack.

First up, the card has a relatively low annual fee, charging $75 per year for each card on the account. However, further savings can be made. Each card with a spend of more than $15,000 within the year will have its annual fee waived in the subsequent year.

The second way this card can help keep costs low is with its relatively low rate of interest on cash advances and purchases. Businesses that tend to hold a balance month-to-month could save on interest with this low rate option, however, clearing the balance is recommended whenever possible.

What’s not so great...

To be honest, there’s not much to complain about with this card. While it’s best to check the small print before applying, this card is pretty forthcoming on what it does and doesn’t offer.

As a low cost card, it obviously doesn’t offer the headlining features that more expensive cards do. There are no flashy extras or rewards programs, but the card does have the potential to save money, while offering handy features that most businesses would find convenient.

Why should you choose this card?

Choosing this card will come down to necessity. What do you need from your business credit card and what are you willing to pay for it? To help you make the right decision, let’s go over some of the essentials on how this card works.

Unlike some business cards, the Westpac BusinessChoice Everyday Mastercard does not offer personal liability. Instead liability is shared jointly or severally by the business principals who make the application.

Jointly or severally liable for all amounts outstanding on the account, these applicants can choose which employees will be cardholders, with up to 99 cards linked within one account. Individual card credit limits start from $1,000, with full tracking of each card's activities available.

In terms of features on offer, the card provides complimentary unauthorised transaction insurance, transit accident insurance and flight inconvenience insurance, as well as up to 55 days interest free on purchases, easy tax reporting and analysis of business transactions related to the card.

Overall Rating

A low cost business credit card with a low annual fee, relatively low rates of interest, and a handful of convenient features.

User reviews

Westpac BusinessChoice Everyday Mastercard ( based on 1 user review )

82% rating based on 1 review

Customer Service

Rates and fees

Interest rates

Purchase rate 14.25% p.a.

Cash advance rate 19.96% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $2,000

Maximum credit limit $250,000

Fees & repayments

Annual fee $75 p.a.

Additional cardholder fee $75 p.a. per card

Foreign transaction fee 3%

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Cash advance fee 3%

Late payment fee $0

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Unauthorised transaction insurance


Westpac BusinessChoice Everyday Mastercard

The Westpac BusinessChoice Everyday Mastercard is a business credit card with a lower interest rate on purchases of 14.25% p.a. and an annual fee of $75 per card. The card comes with a credit limit from $2,000 to $250,000 and you can set individual credit limits on up to 99 cards to keep better track of spending.

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • Purchases rate of 14.25% p.a. and 19.96% p.a. on cash advances
  • $75 Annual fee per card. If you spend $15,000 or more on a specific card in a year, the annual fee is waived on that card in the subsequent year.
  • Complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience
  • Individual card credit limits from $1,000 on up to 99 cards
  • Up to 55 days interest free on purchases
  • Export your transactions into MYOB and BAS
  • Credit limits from $2,000 to $250,000

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent residents and have a valid ABN

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

3 questions (showing the latest 10 Q&As)



14 February 2023
Our church holds 3 of these cards, with the overall limit set at 10K and each individual card set at various limits. Can we increase the overall limit and make changes to the individual card limits?
    Pauline -


    15 February 2023
    Hi Deleen, you’re actually on, the most prominent website in Australia for comparing credit cards. This is a question you’ll need to ask Westpac directly since they’ll be able to see how your credit cards are set up. Their customer service number is 132 142.


29 July 2021
I have a new business choice every day MasterCard and I have made one purchase ,what I want to know is why is there a $68 .75 card fee on the bill
    Roland B Bleyer - Founder


    30 July 2021
    Hi John, thanks for your question! I suggest reaching out to Westpac at 132 032 directly to discuss the charges on your card.


31 January 2018
Please advice if you have a business card with the same benefits as my earth black john s goldthorpe
    Roland B Bleyer - Founder


    2 February 2018
    Hi John, nothing that has the same benefits as the Earth Black on the Westpac side. What type of features are you looking for and how much spend will be done a month?
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