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Business low rate credit card

BusinessVantage Credit Card. Competitive interest rate on purchases.
The Visa Business credit card has a variable purchase rate of 9.99% p.a. (new cards only) and up to 55 days interest-free on purchases.



Everyday benefits

  • 9.99% p.a. (variable) interest rate on purchases (new cards only)
  • Up to 55 days interest free on purchases
  • Greater expense visibility


Competitive interest rates

9.99% p.a. (variable) purchase rate (new cards only).

17.15% p.a. (variable) cash advance rate.


Complimentary insurance against fraudulent use and unauthorised transactions1.

Easier expense reporting

Comprehensive statements to help monitor and manage your expenses and optional consolidated summaries by department and division.

24/7 Internet banking access to manage your account (subject to systems availability).

Business credit limit

Minimum Business credit limit on the credit card facility is $1,000. You can have up to 9 additional cards for the card facility.

Full Visa service

24 hour Visa Emergency Assistance Centre available.

Register for GoBiz for business tools and tips and special offers.

Contactless payments

Speed and convenience – no need to sign or enter PIN for everyday purchases under $100 at participating merchants, who accept contactless transactions.




Rates and Fees


Interest rate


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)



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:

  • in a currency other than Australian dollars; or
  • in Australian dollars or any other currency with a merchant located outside Australia; or
  • in Australian dollars or any other currency that is processed by an entity located outside Australia.

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


Are you eligible?



How to apply



Important Information

Fees, charges and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions.

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 1800 804 411.

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 BankSA 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 Visa Business 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 1800 804 411 or download the Visa Business Card Conditions of Use.