Business cards comparison table

Our Business cards comparison table is the easiest way to compare our business card products and find the best card for your business. It provides an overview of all our business cards, and who they’re best suited to, from sole traders, right through to large corporations. Plus, for all cards with a personal liability option, you can easily apply online and be able to use your card in as little as 10 working days (based on credit approval). To compare only our personal liability business credit cards, please refer to our Business Cards comparison table.

Business Cards comparison table 


  Business Awards Credit Cards Business Interest-Free Days credit card Business Low Rate credit card Corporate credit card Corporate charge card Procurement Management Account
More info about Business Awards Credit Cards

More info about Business Interest-Free Days Credit Card

More info about Business Low Rate Credit Card
Corporate Credit Card
More info about Corporate Credit Card
Corporate Charge Card
More info about Corporate Charge Card

More info about Procurement Management Account
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Suitable for Small businesses, including sole traders and partnerships Small to medium businesses Small to medium businesses Any organisation including small or medium businesses and corporates Any organisation including large corporates and government entities Large organisations
Description Two Awards cards linked to one account that rewards you for your business spending. Choice of three card tiers: 
A credit card solution that allows your business to maximise its cash flow with no interest incurred if the monthly balance is paid in full A credit card solution with a low, competitive interest rate and no annual fee providing a great source of working capital for your business A multi card facility that helps you take control of employee purchases and expenses A multi card facility designed to help manage significant business and procurement expenses A virtual card account lodged with your frequent high volume supplier to manage procurement expenditure
Maximum credit limit $50,000 unsecured $50,000 unsecured
$50,000 unsecured
No maximum No maximum No maximum
Maximum cards Up to two cardholders across the two Awards cards Up to two cardholders Up to two cardholders Unlimited Unlimited n/a
Card type MasterCard® and American Express® MasterCard® MasterCard® MasterCard® MasterCard® MasterCard®
Liability options Personal Personal
Business Business Business
Rates & fees
Interest rate View current rates View current rates View current rates View current rates View current rates n/a
Annual fee Business Awards: $100

Business Gold Awards: $150

Business Platinum Awards: $300
$60 $0 1-49 cards:
$40 per card

50-499 cards:
$32 per card

500+ cards:
$24 per card
1-49 cards:
$40 per card

50-499 cards:
$32 per card

500+ cards:
$24 per card
$120 per account
Additional cardholder fee $75 $60 Nil n/a n/a n/a
Interest-free days on purchases Up to 55 days Up to 55 days None None Up to 31 days Up to 31 days
Minimum monthly repayment amount 2% or $25 (whichever is greater) 2.5% or $75 (whichever is greater) 2.5% or $75 (whichever is greater) 2.5% or $75(whichever is greater) Full balance Full balance
Commonwealth Awards points earned1 Business Awards: up to 1.5 points per $1 spent

Business Gold Awards: up to 2 points per $1 spent

Business Platinum Awards: up to 3 points per $1 spent
n/a n/a n/a n/a n/a
Balance transfer option 5.99%p.a. for 5 months n/a n/a n/a n/a n/a
Features & benefits
Worldwide acceptance n/a
24/7 customer service
Transit accident insurance
Custom limits per card n/a n/a n/a n/a
Custom design × × × n/a
International Travel Insurance2
for Business Gold and Platinum Awards only
 × × × ×  ×
Shopping Insurances2
for Business Gold and Platinum Awards only
×  × × × ×
Your Concierge 24/7
for Business Platinum Awards only
×  × × × ×
Premium Privileges
for Business Platinum Awards only
× × × ×
MasterCard Moments™
for Business Gold and Platinum Awards only
× × × × ×
MasterCard PayPass  × × × × ×
American Express Selects × × × × ×
Globaleshop by American Express × × × × ×
Card security features (including chip) n/a
Online banking
NetBank × × ×
CommBiz ×

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 details on Transit Accident Insurance, please view the Certificate of Transit Accident Insurance (PDF). Please view our Financial Services Guide (PDF 59kb).