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Business low rate credit card

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

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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 unauthorised transactions, subject to the conditions set out in the T&Cs booklet1.


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


Interest rate


9.99% p.a. (variable). New cards only.

Up to 55 days interest free on purchases when you pay the closing balance (excluding 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

$0 (courier costs may apply)

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

$2 for requests via Phone Banking or Internet Banking

$2 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?

Find out what information you need to provide


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.

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.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, 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) which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. 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 this insurance.