{ "snapshot_at": "2026-10-30T00:01:21Z", "brand": "Westpac", "brand_slug": "westpac", "product_id": "CCBusLowRate", "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCBusLowRate", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCBusLowRate'", "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.", "data": { "productId": "CCBusLowRate", "lastUpdated": "2026-10-29T02:41:55Z", "productCategory": "CRED_AND_CHRG_CARDS", "name": "BusinessChoice Everyday", "description": "Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.", "brand": "Westpac", "brandName": "Westpac", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/", "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/010BusinessChoiceCardsT_C.pdf", "eligibilityUri": "https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/", "feesAndPricingUri": "https://www.westpac.com.au/business-banking/credit-cards/low-rate-card/" }, "cardArt": [ { "cardScheme": "VISA", "cardType": "CREDIT", "title": "BusinessChoice Everyday low rate credit card", "imageUri": "https://www.westpac.com.au/content/dam/public/wbc/images/business/credit-cards/wbc_fc_b_credit-cards_bus-choice-everyday-visa_232x146.png" } ], "features": [ { "featureType": "ADDITIONAL_CARDS", "additionalValue": "99", "additionalInfo": "Add up to 99 employee cards: Control employee business expenses with individual credit limits for each additional card." }, { "featureType": "INTEREST_FREE", "additionalValue": "P55D", "additionalInfo": "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." }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Garmin Pay", "additionalInfo": "Tap and pay quickly and easily using Garmin Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Apple Pay", "additionalInfo": "Tap and pay quickly and easily using Apple Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Google Pay", "additionalInfo": "Tap and pay quickly and easily using Google Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Samsung Pay", "additionalInfo": "Tap and pay quickly and easily using Samsung Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "OTHER", "additionalInfo": "Click to Pay - Online shopping made quick, simple and secure with Click to Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/click-to-pay/" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "INSURANCE", "additionalValue": "Complimentary insurance", "additionalInfo": "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).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Interstate Flight Inconvenience insurance", "additionalInfo": "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).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Cardholder's Transit Accident insurance", "additionalInfo": "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).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Account holder's Unauthorised Transaction insurance", "additionalInfo": "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. ", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "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." }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "The product includes FRAUD_PROTECTION features." }, { "featureType": "RELATIONSHIP_MANAGEMENT", "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers." }, { "featureType": "EXTRA_REPAYMENTS", "additionalInfo": "The product has EXTRA_REPAYMENTS option available." }, { "featureType": "OTHER", "additionalInfo": "Our lowest Annual Fee: Annual Card Fee is currently $75 per card, which will be waived for each card that spends $15,000 or more." }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "Westpac Protect and Card Security: We have a range of built in technology protecting you and your business behind the scenes 24/7 ? from fraud and scam monitoring to our Fraud Money Back Guarantee.", "additionalInfoUri": "https://www.westpac.com.au/security/how-we-protect-you/" }, { "featureType": "OTHER", "additionalInfo": "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." }, { "featureType": "OTHER", "additionalInfo": "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" }, { "featureType": "OTHER", "additionalInfo": "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." }, { "featureType": "OTHER", "additionalInfo": "Billing Account: Receive one detailed monthly statement to track employee spend across up to 99 cards, then make one easy payment to your Billing Account to repay the outstanding balance on all cards." }, { "featureType": "OTHER", "additionalInfo": "Financial control made easy: Tag transactions with custom labels and track monthly income vs expenses at a glance - all in one place with Business Money Tools.", "additionalInfoUri": "https://www.westpac.com.au/business-banking/online-banking/business-money-tools/" }, { "featureType": "OTHER", "additionalInfo": "Automated Bank Feeds - Set up automated bank feeds from your BusinessChoice Everyday credit card to your MYOB accounting software and make tax time easier.", "additionalInfoUri": "https://www.westpac.com.au/business-banking/online-banking/bank-feeds/" }, { "featureType": "OTHER", "additionalInfo": "Contactless Payments: Cards can be linked to your Digital wallet for fast and secure contactless payments using your smartphone and wearables." } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "2000.00" }, { "constraintType": "MAX_LIMIT", "additionalValue": "250000.00" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfo": "18+ years old" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Principals must be a permanent resident or Australian citizen" }, { "eligibilityType": "BUSINESS", "additionalInfo": "Your Business must be registered in Australia and for GST" }, { "eligibilityType": "BUSINESS", "additionalInfo": "ABN must be registered for at least 12 months" } ], "fees": [ { "name": "Card Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "75.00" }, "additionalValue": "P1Y", "additionalInfo": "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." }, { "name": "Foreign Transaction Fee", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" }, "additionalInfo": "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." }, { "name": "Cash Advance Fee", "feeType": "CASH_ADVANCE", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" } }, { "name": "Missed Payment Fee", "feeType": "LATE_PAYMENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalValue": "30", "additionalInfo": "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." }, { "name": "Account Keeping Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalValue": "P1M" }, { "name": "Overseas ATM cash withdrawals (partner)", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Overlimit Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalInfo": "$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." }, { "name": "Data Feed Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "additionalValue": "P1M", "additionalInfo": "Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data Feeds. The fee will be charged at the end of each statement cycle. Please refer to T&C for more information." } ], "lendingRates": [ { "lendingRateType": "PURCHASE", "rate": "0.1425", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Charged to purchase balances where full closing balance is not paid by due date" } ], "additionalInfo": "Interest on purchases" }, { "lendingRateType": "CASH_ADVANCE", "rate": "0.1996", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account)" } ], "additionalInfo": "Interest on cash advances" } ] } }