You’re invited to enjoy Platinum for less
- 3.99% p.a. on balance transfers for up to 6 months 1
- $0 annual fee in your first year 2 – saving you $130
- An ongoing annual fee waiver – every year you spend at least $20,000 p.a. on your card, we’ll waive the annual fee the following year
- Up to 55 days interest free on purchases 3 – that means you could pay no interest on purchases as long as you pay off your balance in full by the due date each month.
Platinum benefits
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Platinum Concierge service4 – it’s like a 24/7 personal assistant for booking tickets, hotels,
car hire and more, available worldwide - Complimentary Overseas Travel Insurance 5 – enjoy travelling knowing you’re covered for trips of up to 6 months
- Complimentary Purchase Security Insurance 5 cover – your card purchases have added protection from theft and loss for up to 4 months
- Extended Warranty Insurance cover5 – get an extension on manufacturers warranty for up to 24 months.
A faster way to pay – contactless technology
- Your 55 Day Platinum Visa Card comes with the added feature of contactless technology which means at participating merchants you can now buy low-cost, everyday items like newspapers, coffees and sandwiches without having to always carry cash
- Simply hold your 55 Day Platinum card against the contactless terminal at participating merchants to make a secure payment for purchases under $100 - no need to enter a PIN or sign.
Other important details
- 19.59% p.a. (variable) on purchases
- 21.49% p.a. (variable) on cash advances.
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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 Platinum 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. This promotional rate is available to customers who are applying for a new 55 Day Platinum 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.
- 2. Annual card fee is subject to change.
- 3. 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.)
- 4. Platinum Concierge services are subject to 55 Day Platinum Concierge service Terms and Conditions.
- 5. Complimentary insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured and the benefits of the covers are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. Cover is subject to the terms and conditions and exclusions of the policy. Limits apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 859 100 or by downloading the 55 Day Platinum Credit Card Insurance Policy (PDF 339kb).
