Business low rate credit card
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BusinessVantage Visa features
Competitive rates
Enjoy a low rate of 9.99% p.a. (variable) on purchases (new cards only) and 17.15% p.a. (variable) on cash advances.
55 interest free days
Up to 55 days interest free on purchases when you pay the closing balance by statement due date each month.
Complimentary insurance
Get covered for the basics with complimentary insurance against fraudulent use and unauthorised transactions1.
Up to 10 cards
Keep your business organised with up to 9 additional cardholders with individual card limits.
Joint and several liability
Share the responsibility with a liability structure suitable for more complex small businesses.
Easier expense reporting
Detailed statements help to monitor and manage your expenses with optional consolidated summaries by department and division.
Rates and Fees
Transaction |
Interest rate |
|---|---|
| Purchases | 9.99% p.a. (variable). New cards only. Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer or promotional amount) by statement due date each month. |
| Cash advances | 17.15% p.a. (variable) |
Fee |
Amount |
|---|---|
| Annual card fee | $55 per card |
| Foreign transaction fee | 3% of the Australian dollar value of any Foreign Transaction. Foreign transaction is any transaction made using the Card:
It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash advance fee | $2.50 if your account is in credit (has a positive balance) after a cash advance transaction. 2% of the cash advance amount (minimum $2.50 and maximum $150) if your account is in debit (has a negative balance). These charges will appear on your credit card statement directly below the relevant cash advance. |
| Late payment fee | $15 applied for each late or missed payment |
| Card replacement fee | $15 per card within Australia $52.50 per card outside of Australia $45 per emergency/urgent replacement card within Australia |
| Over limit fee | $15 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account. |
| Automatic payment fee | $9 applied once per statement period for each payment dishonoured made under the automatic payment plan. |
| Statement copy fee | $4.50 for requests via Phone Banking or Internet Banking $7.50 for all other requests |
How to apply
Intend to use the card predominantly for business expenditure?
Are a permanent resident of at least 18 years of age?
Have your business registered in Australia?
Other ways to apply
You can also apply over the phone or in branch.
The Detail
Fees, charges and credit criteria apply.
Find out what information you need to provide to become a customer.
Before making a decision, it’s best to read the terms and conditions.
- BusinessVantage Visa Credit Card Conditions of Use (for claim events prior to 1 October 2017)
- BusinessVantage Visa Credit Card Conditions of Use (effective 1 October 2017)
- Credit Card Accounts - Fees & charges
Please read these documents and keep a copy. You can request a paper copy at a branch.
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 133 800.
1. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the BusinessVantage Visa Credit Card Conditions of Use, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 133 800 or download the BusinessVantage Visa Credit Card Conditions of Use (for claim events prior to 1 October 2017.
Effective 1 October 2017: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the BusinessVantage Visa Credit Card Conditions of Use which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the BusinessVantage Visa Credit Card Conditions of Use (effective 1 October 2017).