Personal liability business cards comparison table

Our Personal liability business cards comparison table is the easiest way to compare our business credit card products and find the best card for your business. All of these cards have a personal liability option, so you can easily apply online and be using your card in as little as 10 working days (based on credit approval). You can also view our Business cards comparison table, which provides a snap shot of all our business cards.

Personal liability business credit cards comparison table

	Business Awards	Business Gold Awards	Business Platinum Awards	Business Interest Free Days	Business Low Rate
	More info	More info	More info	More info	More info
Overview
Suitable for	Small businesses including sole proprietors and partnerships. The business owner takes personal responsibility for the account.
Description	A credit card that rewards you for your business expenses	A credit card that rewards you for your business expenses and offers you travel and shopping benefits	A credit card that rewards you for your business expenses and offers you premium benefits and experiences	A credit card that allows your business to maximise it's cash flow with up to 55 days interest free on purchases	A credit card that has a low rate and no annual fee providing a great source of working capital for your business
Maximum credit limit	$50,000 unsecured	$50,000 unsecured	$50,000 unsecured	$50,000 unsecured	$50,000 unsecured
Maximum cards	2	2	2	2	2
Card type	MasterCard® & American Express® Card	MasterCard® & American Express® Card	MasterCard® & American Express® Card	MasterCard®	MasterCard®
Rates & fees
Interest rate	View current rates	View current rates	View current rates	View current rates	View current rates
Annual fee	$100	$150	$300	$60	$0
Additional Cardholder	Yes, for $75 p.a.	Yes, for $75 p.a.	Yes, for $75 p.a.	Yes, for $60 p.a.	Yes, free
Interest free days on purchases	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days	0
Minimum monthly repayment amount	2% or $25 (whichever is greater)	2% or $25 (whichever is greater)	2% or $25 (whichever is greater)	2.5% or $75 (whichever is greater)	2.5% or $75 (whichever is greater)
Balance Transfer Option	5.99%p.a. for 5 months	5.99%p.a. for 5 months	5.99%p.a. for 5 months	n/a	n/a
Features & benefits
Commonwealth Awards Program points earned (1)	American Express Card: Up to 1.5 points per $1 spent MasterCard: Up to 1 point per $1 spent	American Express Card: Up to 2 points per $1 spent MasterCard: Up to 1 point per $1 spent	American Express Card: Up to 3 points per $1 spent MasterCard: UP to 1 point per $1 spent	n/a	n/a
24/7 customer service	Yes	Yes	Yes	Yes	Yes
Transit accident insurance	Yes	Yes	Yes	Yes	Yes
Rewarding Business	Yes - offers discounts on essential purchases for your business all year round. Find out more
International Travel Insurance(2)	No	Yes, up to 21 days	Yes, up to 21 days	No	No
Shopping Insurances(2)	No	Yes	Yes	No	No
Your Concierge 24/7	No	No	Yes (Domestic / International)	No	No
Premium Privileges	No	No	Yes	No	No
MasterCard Moments™	No	Yes	Yes	No	No
MasterCard applause™	Yes	Yes	Yes	Yes	Yes
MasterCard PayPass™	Yes	Yes	Yes	No	No
American Express Selects	Yes	Yes	Yes	No	No
Globaleshop by American Express	Yes	Yes	Yes	No	No
Card Security Features (including chip)	Yes	Yes	Yes	Yes	Yes
Online banking
NetBank	Yes	Yes	Yes	Yes	Yes
CommBiz	Yes	Yes	Yes	Yes	Yes
1 Commonwealth Awards points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping - for details please refer to the Commonwealth Awards Program Terms and Conditions and Important Information.
2 Conditions apply. Refer to your Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure.
Important information As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Terms and Conditions for NetBank and CommBiz should be considered before making any decisions about these products. For further detail on Transit accident insurance, please view the Certificate of Transit Accident Insurance. Please view our Financial Services Guide (PDF 59kb)