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Business Mastercard®.
Give your employees the flexibility to pay for work-related expenses on a credit card while helping your business gain a complete overview of spend.
Benefits.
- Eliminate manual reconciliation, this card integrates with most expense management systems.
- Millions of locations worldwide where employees can pay their way.
- Minimise misuse by setting controls for individual cards.
- Customisable - design your card to display your brand wherever you spend.
- Pay on time, every time, with direct debit set up on all Business Mastercard®s.
Expense management.
Compare cards and solutions
Expense management reporting
Integrate with any expense management system (EMS) and get total visibility and accountability of your employee spending. Enhanced reporting functions can highlight potential spending issues.
Integration
Your Westpac Business Mastercard® programme can integrate with most EMS providers including Smart Data, Concur and Promaster. Your transaction data can also be sent directly to SAP, Oracle, TechnologyOne or MYOB.
Business Mastercard Account interest rates.
Interest rates are subject to change.
| Card | Interest rates |
| Retail purchases Full payment of all outstanding monthly balances to be paid made by direct debit by the due date. | 0% p.a. |
| Cash advance rate Cash advances on all Westpac credit cards, excluding those on Portfolio pricing. | 22.95% p.a. |
Business Mastercard Account fees.
Fees are subject to change. Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee description | Fee amount |
| Card fee (up to 25 cards) If you need more than 25 cards, please contact your Westpac relationship manager. If you don't have a relationship manager, or you're not currently a customer of Westpac, please contact a business specialist for more details. | $50 per card, per year |
| Smart Data fee | $35 per card, per year |
| Data feed fee | $9 per card, per year |
| Cash advance in New Zealand - Westpac ATM | Free per transaction |
| Cash advance in New Zealand - other bank ATMs | Free per transaction |
| Cash advance overseas - using Global ATM Alliance ATMs1 | Free |
| Cash advance overseas - using other ATMs or at bank branches1 (Note: an ATM service fee may be charged by the ATM provider) | $2 per transaction (NZ$) |
| Replacement card Plus courier delivery costs in NZ/overseas where applicable. | $10 per card |
| Foreign currency fee A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges changed by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency. | 2.50% of transaction amount |
Other charges may apply to some of the transactions and services mentioned - see our Credit card fees page for more details.
How to apply.
Things you should know.
1 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply - see the Transaction and Service Fees brochure or Business Transaction and Service Fees brochure for details.
Westpac's current credit card lending criteria apply to all applications and transfers.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Business Cards are only available for business purposes and not for personal, domestic or household purposes.
Terms and conditions
Eligibility criteria, lending criteria, terms and conditions apply. See: