Newcastle Permanent
Business Plus Credit Card
Newcastle Permanent · cred and chrg cards
Provider last updated this product 2026-08-25.
A business credit card designed to help separate company and business expenses, manage spending, and simplify bookkeeping.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| CASH ADVANCE | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Replacement Statement Fee | REPLACEMENT | $10 | Payable on reissue of a statement |
| Overlimit Fee | EVENT | $25 | Payable for each statement period in which there is an overlimit |
| Disputed Transaction Fee | EVENT | $10 | Payable upon enquiry |
| Late Payment Fee | LATE_PAYMENT | $5 | Payable for each statement period that the minimum payment amount is not processed to your credit card account |
| Foreign Currency Conversion Fee | PURCHASE | 3.00% | Applies when a card is used to perform a transaction overseas or where a merchant processes the payment overseas. |
| Legal and Documentation Fee 10 | VARIATION | $100 | Unsecured Business plus Credit Card not requiring Guarantee |
| Cash Advance Fee | CASH_ADVANCE | 2.00% | Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. Minimum of $2.50. |
| Legal and Documentation Fee 5 | REPLACEMENT | $100 | Replacement of documents due to original documentation being lost or amendments to original documents required |
| Legal and Documentation Fee 4 | VARIATION | $250 | Partial Release or Discharge of Security |
| Legal and Documentation Fee 3 | VARIATION | - | New facility where the file contains: Trusts; Commercial Security; Company Mortgage; PPSR; Any other specialised security |
| Annual Fee | PERIODIC | $55 | Payable per card, annually in advance on the anniversary date the card account is opened |
| Dishonour Fees (Direct debit or payment) | DISHONOUR | $9 | A payment may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly completed or because the credit card account has been closed |
| Legal and Documentation Fee 7 | VARIATION | $100 | Additional Authority to Set Off Deposits and/or Guarantee |
| Credit Card Replacement Fee Overseas | REPLACEMENT | $100 | Applies for each replacement card you or an additional cardholder requests overseas |
| Legal and Documentation Fee 2 | VARIATION | $350 | New or increased facility and substitution of security plus Authority to Set Off Deposits and or Guarantee |
| Settlement Fee | UPFRONT | $300 | - |
| Credit Card Replacement Fee within Australia | REPLACEMENT | $20 | Applies for each replacement card you or an additional cardholder requests within Australia |
| Legal and Documentation Fee 8 | VARIATION | $150 | Consent and Execution of Leases, Plans of Subdivision etc. |
| Valuation Fee | UPFRONT | - | - |
| Legal and Documentation Fee 1 | VARIATION | $250 | New or increased facility and substitution of security not requiring Authority to Set Off Deposits and/or Guarantee |
| Registration Fee | UPFRONT | - | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 11.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 16Minimum cardholder age 16 years
- otherSubject to credit approval
- businessNon-individual borrowers, Sole traders, partnerships and companies
- residency status - Available to permanent Australian Residents
Limits
- min limit - 500.00
- max balance - 50000.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-08-25T00:00:00+10:00 · Product ID: CC_businesspluscc