Credit Card Review & Application
Business Vantage Visa Credit Card
- Flexible expense reporting
- BAS friendly - easy to calculate the GST
- $0 annual fee when you combine with a Business Banking transaction account as part of a Business Owners Transaction Package^
- 55 days interest free on purchases is available on accounts that are paid in full by the due date. The interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid.
- Comes with Business Cheque Account Plus
Related Cards
| Intro APR: | N/A* |
| Intro Period: | N/A |
| APR: | 17.15% (variable) * |
| Annual Fee: | $0.00* |
| Issuer: | St. George Bank |
| Card Network: | VISA® |
| Card Category: | Business (Regular) |
| Card Type: | - Instant Decision Card |
| Credit Needed: | Good* |
The BusinessVantage Visa Credit Card is more than a credit card, it is a business solution which provides convenient, specialized service to help you keep better track of your finances. It can help you control your cash flow, cut down your overall cash reliance altogether while simultaneously improving your expense reporting and administration efficiency. All of this comes to you with a Business Banking transaction account but without an annual fee, so you can spend more of your time and money on your business.
Aside from the annual fee, this card could save you money because it features a 55-day interest free period. This is one of the longest grace periods available with any other card out there right now. It allows you to take up to the full duration of time to pay off your new purchases before interest starts to generate. Keep in mind that this only applies to new purchase and not cash advances or balance transfers. This gives you nearly two months to plan out your next big purchase or to help you cover the cost of any emergencies that could potentially arise in the future. It's a good feeling to know that you don't have to worry about it at this very moment.
Secondly, this card offers many business features that are not common among the other cards currently on the market. For instance, you can view your Monthly Individual Statement online so you can keep track of spending on your own accord and at your own convenience. 24-hour Emergency Assistance is available to you no matter where you might be traveling. You can also get access to medical and legal assistance, emergency cash transfers, lost luggage and document replacement, and other convenient programs.
Finally, this card is truly versatile because it is accepted all over the world; basically any place that bears the MasterCard symbol will accept your card. Of course, this means that if these same merchants also have businesses online, your card will also be accepted there. The $55 annual fee seems reasonable for a business credit card, but if you opt for a Business Owner's Transaction Package, your introductory rate could be as low as 0%! In order to qualify for this card, though, you need to be 18 and have a permanent Australian residence. Also, to take advantage of the business benefits, you need to be a proprietor, partner, or director of a small business or company.
| Other Benefits: | - Optional automatic payment plan - Free insurance against fraudulent use and unauthorised charges - 24-hour Visa Emergency Assistance Centre available - Assistance with medical and legal referrals, advancement of emergency funds, lost luggage and document replacement, emergency ticket replacement and more. - Each cardholder receives a Monthly Individual Statement, showing all Business transactions for the period. These can also be viewed online via Internet Banking. - You can also choose to receive additional reports, such as Travel and Entertainment reporting or Merchant Category Analysis, to assist you analysing business expenditure and in negotiating volume discounts. |
| Comments: | Requirements: - You must be aged 18 years or older - You must be a permanent Australian resident - You must be the Proprietor, Partner or Director of a Business/Company |
| Online Account Access: | Yes |
| Introductory APR: | N/A* |
| Introductory Period: | N/A* |
| APR on Purchases: | 17.15% (variable)* |
| Annual Fee: | $0.00* |
| Grace Period: | 55 days* |
| Min Finance Charge: | $1.50 |
| Late Payment Fee: | $9.00* |
| Over Limit Fee: | $9.00 |
| Balance Transfer: | Yes |
| APR Cash Advances: | 17.15% |
| Cash Advance Fee: | 1.50% |
| Minimum Fee: | $1.25 |
| Maximum Fee: | $15.00 |
| Additional Fees | - Card Replacement Fee: $15.00 / card - Card Replacement Fee (outside AU): $52.50 / card - Emergency/Urgent Card Replacement Fee (includes courier costs): $45.00 / card - Statement Copy Fee requests via Phone Banking or Internet Banking: $4.50 - Statement Copy Fee for all other requests: $7.50 - Copy of a sales voucher: $10.50 - Copy of a deposit or withdrawal form: $10.50 - Copy of a deposited cheque: $16.00 - Special clearance on a deposited cheque: $16.00 |
| Apply Now |
You may also be interested in:
† Details of the Business Vantage Visa Credit Card are subject to change without prior notice. We do not guarantee the accuracy of information provided after the last update (Oct 29, 2011) hence, we strongly advise visitors to check terms and conditions prior to completing the application process.
Featured Card
* * *