Visa Business Credit Card
Take care of business with fee-free transactions, low rates and no annual fee.
Key features
No annual fee
$10 monthly fee is waived if you maintain a combined balance of $10,000 or more across savings, investments, and loans
24/7 fraud monitoring
Google Pay and Apple Pay
Accepted at over 24 million locations worldwide
Visa Debit card
Up to 55 days interest free
Fees and requirements
Low monthly service fee of $10.00 per month1
18 years and over
Applicant must be a business customer of Coastline Bank
Cash advance fee $3.50
Lost card replacement fee $10
Visa international transaction fee $3.65
Overseas ATM withdrawal fee $5
Rates
*Mortgage secured
8.05
%p.a. purchase rate*
*Commercial secured
10.05
%p.a. purchase rate*
*Unsecured
14.05
%p.a. purchase rate*
Secure and straight-forward online application.
*Interest rates are variable and subject to change without notice.
1 $10.00 monthly fee includes 40 free items, items then charged at $0.50 thereafter. Examples of items are: cash withdrawals, manual transfers, cheque encashment, cheque & cash deposits. Individual items in a deposit constitute as a transaction, for example, a deposit voucher including two cheques equals two items.
Eligibility subject to lending criteria.
Terms and conditions, fees and charges apply.
Conditions of use | Schedule of fees and charges | Financial services guide | Summary of accounts | Schedule of loan fees | Personal overdraft & credit card car & personal loans
Disputing a transaction
Do you have a transaction on your Visa debit or credit card that you think is unauthorised or incorrect? Do you have an issue with goods or services you’ve purchased?
Here are some steps to take before contacting us.
Step 1 – Check the details of transaction
- Could the purchase have been made by a family member?
- Is it possible that the Merchant is operating under a trading name? Check to see if you have other transactions with similar details
- Check the transaction date and try to recall which shops you visited that day or in the days leading up to it.
- Is the transaction for a regular membership, subscription or app download?
- If you have ordered goods or services from the Merchant, check the delivery information such as delivery address and due date
- If you returned goods or services to the Merchant and was advised a refund would be made, check that the credit has been processed to your account
- If you definitely believe it is fraud, contact Coastline as soon as possible
Step 2 – Contact the Merchant
- Contact the Merchant to try and resolve the issue first
- If you wish to cancel recurring or subscription billing on your card, you must first contact the Merchant as soon as possible
- We can help with most transaction enquiries but only the Merchant can help with the following issues:
- Refunds or exchanges if you have changed your mind
- Membership fees and monthly subscription enquiries
- Issues with any software you have downloaded
Step 3 – Complete Visa Dispute Form and Contact Coastline
- Complete the Visa Dispute Form [if you need help to complete do not hesitate to contact us]
- If you don’t contact us within 90 days of the date of the transaction, we may be unable to initiate a dispute with Visa
- As part of the dispute process, we will ask for any supporting documentation such as:
- Transaction documentation
- Copies of any email communications you have had with the Merchant
- Delivery information
- Details of the goods or services purchased / ordered
- Return details if goods / services were returned to the Merchant in exchange for a refund
- Return completed Visa Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
ATM withdrawal dispute
We'll submit your request to the relevant financial institution and will endeavour to resolve your dispute within 45 days.
Return completed ATM Dispute Form and all supporting documentation to one of our branches or email to riskandcompliance@coastline.com.au
Here to help
A business often requires money to grow, whether it’s for expansion, hiring staff, or purchasing equipment. But what happens when your big ideas are held back by limited cash flow? This is where a business loan can make all the difference, and if you’re considering a business loan, here’s what you need to know.
- Learn more
A business often requires money to grow, whether it’s for expansion, hiring staff, or purchasing equipment. But what happens when your big ideas are held back by limited cash flow? This is where a business loan can make all the difference, and if you’re considering a business loan, here’s what you need to know.
- Learn more
Running a small business comes with plenty of challenges, but the right banking tools can make things easier. From simplifying payments to streamlining accounting, these are the top banking tools to save time and help you focus on your business.
Budgeting & savings calculators
Budget planner calculator
Manage your money effortlessly by tracking your income and expenses.
Savings calculator
Create a savings plan and get started on your goals today.
Speak to a Business Development Manager
They’re here to guide you through the process and answer your questions - freeing up your time to focus on your business.
Steve Wilkinson
Tony Berner
Trent McKeough
FAQ's
A Business Credit Card helps keep your business and personal finances separate. It also gives you a handy line of credit for business expenses and can improve your business’s credit score when managed responsibly.
A Business Credit Card helps keep your business and personal finances separate. It also gives you a handy line of credit for business expenses and can improve your business’s credit score when managed responsibly.
The minimum credit limit for the Visa Business Credit Card is $500. When you apply, we’ll offer you a credit limit based on your financial situation, but the starting limit will be no less than $500. You can request a higher limit during the application process or at a later date, but approval will be based on eligibility criteria.
To increase your credit limit, follow these steps:
- Log in to Coastline Internet Banking or the MyCOAST app
- Navigate to the credit card section and select "Request Credit Limit Increase."
- Complete the form and submit it.
- Your request will be reviewed. Credit limit increases are subject to approval and we’ll consider your credit history, current financial position, and account activity.
- You’ll be notified of the decision, typically within a few business days.
- More information
Lost or stolen cards can be reported via:
- The MyCOAST App
- Internet banking
- The card hotline: 1800 621 199
- If you’re overseas, call + 61 2 9955 7686
To order a replacement card, please send us a secure message via online banking, visit your local Coastline Bank branch or contact our Customer Support Centre for help.
Please note: A fee may apply for ordering a replacement card. Refer to our Disclosure Documents for further details.
- Learn more
How do I report a scam?
If you suspect a scam or suspicious activity, report it immediately.
Ways to report a scam:
- Call our Customer Support Centre on 1300 361 066 for assistance.
- Visit your nearest Coastline Bank branch for help.
- Report in internet banking - log in and go to the ‘Security’ section.
Provide detailed information about the scam to help us address it effectively.
Report to Scamwatch to help prevent others from falling for the scam.
MyCOAST App
Experience the freedom and convenience of managing your money anywhere, anytime with the MyCOAST Mobile Banking App. Whether you’re on a coffee break, at home, or travelling our app is designed to keep you connected to your finances.
Download the app.
More business products and services
General advice warning
This advice has been prepared without taking your objectives, financial situation, or needs into account. Before acting on this advice, you should consider whether it is appropriate for your circumstances. For more details, access the relevant Product Disclosure Statements, Target Market Determinations or Financial Services Guides under 'Important information' on our product pages.
All loan applications are subject to credit approval. Interest rates may vary, and fees and charges could apply.