Three good reasons to get a 55 Day credit card
- 0% on purchases for the first 5 months1
- 3.99% p.a. on balance transfers for up to 6 months 2
- $0 annual fee in first year3 – saving you $30. And to thank you for your loyalty, every year you spend at least $10,000 p.a. we’ll waive the annual fee the following year.
Other important details
- Up to 55 days interest free4 – on purchases where your closing balance (including any balance transfer or other promotional amount) is paid in full by the statement due date each month
- 19.59% p.a. (variable) on purchases
- 21.49% p.a. (variable) on cash advances
- Global acceptance – choose between a MasterCard® or a Visa Card and enjoy acceptance at over 29 million places worldwide.
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Things you should know
- Information is current as at 23 January 2012. Credit card applications are subject to Westpac’s normal lending criteria. Fees and charges are payable. Please read the Terms and conditions, these may be varied or new terms and conditions introduced in the future. An additional card can be issued on the primary cardholder’s credit card account to any nominated person over the age of 16 years. The standard interest rate on purchases for the 55 Day card is 19.59% p.a. (variable) and the cash advance rate is 21.49% p.a. (variable). Approval is subject to Westpac’s normal lending criteria.
- 1.The introductory rate of 0% p.a. on purchases for the first 5 months is only applicable on credit purchases made using your 55 Day card within 5 months from the date your account is opened. After that 5 month period, the introductory purchase interest rate of 0% p.a. will switch to the standard purchase interest rate, (currently 19.59% p.a. and subject to change) then applicable to your product. The introductory rate is applicable to credit purchases only and excludes cash advances and balance transfers. Promotion is only available for a limited time and excludes customers who obtain a 55 Day card as part of a Westpac package; or who switch from an existing Westpac card. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
- 2.This promotional rate is available to customers who are applying for a new 55 Day card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.59% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.
- 3. Annual card fee is subject to change.
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4.On credit purchases only, where the closing balance (including any balance transfer amount or any other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account).
