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2 cards side by side

Business+ Credit Card vs Value+ Credit Card

At a glance
  • Lowest annual fee: Value+ Credit Card — A$49, vs Business+ Credit Card A$55.
  • Same purchase APR on both: 11.99%.
  1. Business+ Credit CardNewcastle Permanent4 of 8 facts on file · annual fee checked Sep 2026
  2. Value+ Credit CardNewcastle Permanent4 of 8 facts on file · annual fee checked Sep 2026
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.
Business+ Credit Card
A$55
Value+ Credit Card
A$49Lower
Purchase interest (APR)Same on allCharged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.
Business+ Credit Card
11.99%
Value+ Credit Card
11.99%
Listed underThe sections of this site the card appears in.
Business+ Credit Card
Business, Low Interest
Value+ Credit Card
Low Interest, Rewards
NetworkSame on allWhere the card is accepted.
Business+ Credit Card
Visa
Value+ Credit Card
Visa
Apply
DetailsNo application link on file
Apply

Not confirmed for any of these cards: Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Business+ Credit Card reviewValue+ Credit Card review
Questions

Frequently asked

Which is cheaper, Business+ Credit Card or Value+ Credit Card?

On annual fee, Value+ Credit Card is the lower-cost option. Weigh the fee against the rewards and perks each card actually delivers for your spending.

Can I hold Business+ Credit Card and Value+ Credit Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Australia?

Every card in this comparison is issued for Australia. Approval depends on each issuer's credit and income criteria.