Hi, I’m the site founder and I will personally answer your question within a business day.
Purchase rate
14.25% p.a.Balance transfer
N/AAnnual fee
$75 p.a.Pros
14.25% p.a. on purchases
Annual fee of $75 per card
Complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience
Cons
No points earn
Westpac BusinessChoice Everyday credit card
The Westpac BusinessChoice Everyday credit card 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 $100,000 and you can set individual credit limit on up to 10 cards to keep better track of spending.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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 10 cards
- Up to 45 days interest free on purchases
- Export your transactions into MYOB and BAS
- Credit limits from $2,000 to $100,000
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 14.25% p.a. |
| Cash advance rate | 19.96% p.a. |
| Interest free on purchases | up to 45 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $2,000 |
| Maximum credit limit | $100,000 |
| Fees & repayments | |
| Annual fee | $75 p.a. |
| Additional cardholder fee | $75 p.a. per card |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $15 |
| Credit card type | Mastercard |
| Complimentary insurance | |
| Flight inconvenience insurance | Yes |
| Transport accident cover | Yes |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| Unauthorised transaction insurance |
The Westpac BusinessChoice Everyday Credit Card
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 Credit Card, 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 Credit Card 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 Credit Card 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 ten cards linked within one account. 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 45 days interest free on purchases, and 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.
Showing one question (showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and 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
Westpac BusinessChoice Everyday credit card
The Westpac BusinessChoice Everyday credit card 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 $100,000 and you can set individual credit limit on up to 10 cards to keep better track of spending.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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 10 cards
- Up to 45 days interest free on purchases
- Export your transactions into MYOB and BAS
- Credit limits from $2,000 to $100,000
Customer Reviews
Rates & Fees
Interest rates
Purchase rate 14.25% p.a.
Cash advance rate 19.96% p.a.
Interest free on purchases up to 45 days
Credit limits
Minimum credit limt $2,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $75 p.a.
Additional card holder fee $75 p.a. per card
Foreign transaction fee 3%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $15
Additional features
Complimentary insurance
Overseas travel insurance No
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone Screen Insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Unauthorised transaction insurance
Our Review
Editor Review
The Westpac BusinessChoice Everyday Credit Card
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 Credit Card, 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 Credit Card 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 Credit Card 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 ten cards linked within one account. 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 45 days interest free on purchases, and 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.
Pros
- 14.25% p.a. on purchases
- Annual fee of $75 per card
- Complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience
Cons
- No points earn
Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a questionShowing one question (showing the latest 10 Q&As)
Please advice if you have a business card with the same benefits as my earth black john s goldthorpe
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?
Similar Credit Cards
Apply by 27 Mar 19
john
31 January 2018Roland
2 February 2018