BusinessChoice Everyday Mastercard

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 19.96%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Individual card credit limits from $1,000 on up to 99 cards for each account to keep track of each card's activities.

• Interest Free Additional Information: Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

• Digital Banking

• Digital Wallet Additional Information: Tap and pay quickly and easily using Garmin Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Apple Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Google Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Samsung Pay.

• Insurance Additional Information: Get covered for the basics with complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience in accordance with the policy (conditions, limits and exclusions apply).

• Insurance Additional Information: Interstate Flight Inconvenience Insurance covers against Cancellation, Flight Delay, Luggage, Luggage Delay and Funeral Expenses when you charge the entire cost of the return interstate flight to your eligible credit card (terms, conditions, exclusions and eligibility criteria apply).

• Insurance Additional Information: Protection against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

• Insurance Additional Information: Account holder's Unauthorised Transaction insurance - liability for unauthorised cardholder transactions limited to $20,000 per cardholder and $150,000 per account holder in a 12 month period.

• Other Additional Information: 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 the BusinessChoice Cards Terms and Conditions for full details of when cardholders may be liable.

• Extra Repayments Additional Information: The product has EXTRA_REPAYMENTS option available.

• Fraud Protection Additional Information: The product includes FRAUD_PROTECTION features.

• Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.

• Other Additional Information: 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.

• Other Additional Information: 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 minimum payment shown on the Card Account Statement, or the full amount shown as the ?closing balance? on the Card Account Statement, or, A fixed dollar or percentage of the closing balance on the Card Account Statement

• Other Additional Information: 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 refer T&C document for more details about the minimum payment required.

• Other Additional Information: Easy tax reporting : Make tax reporting easy by exporting your transactions into MYOB and BAS with ease. You can also download your transactions into excel to make analysis of your business transactions easy (check the terms and conditions before deciding).

• Other Additional Information: Pay faster with Mastercard tap & go technology : For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & go against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

 Product Eligibility

• Min Age - 18.

• Residency Status - Principals Must Be A Permanent Resident Or Australian Citizen.

• Business Additional Information: For business or investment purposes.

 Bank Fees and Charges

• Card Fee (Periodic), Amount: 75.00. Additional Information: 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.

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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 financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

• Cash Advance Fee (Transaction), Amount: Not Listed..

• Missed Payment Fee (Event), Amount: 0.00. Additional Information: $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 2021. May be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the missed payment charge will be debited to your account.

• Account Keeping Fee (Periodic), Amount: 0.00.

• Overseas Atm Cash Withdrawals (partner) (Transaction), Amount: 0.00.

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $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. May be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00

• Max Limit of 250000.00

 Document Downloads

  010businesschoicecardst-c.pdf (556.2 KB)
  businesscards-complimentaryinsurancepolicy.pdf (350.5 KB)