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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

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1.This special rate is only available to customers who are applying for an applicable Westpac card and wish to transfer the balance(s) from a non-Westpac or non-Virgin credit card(s), charge card(s) or store card(s). Each balance transfer must be a minimum amount of $200. This promotion is only available at point of new card application. The special balance transfer promotional rate will apply from the time the balance transfer is made to your account for the number of months specified in the offer (unless these amounts are paid off earlier). After this time, any amount of the initial balance transfer still outstanding will attract the standard product interest rate then applicable to cash advances. Subsequent balance transfers made after point of new card application will be charged the standard product interest rate applicable to cash advances. Please note that payments made to the credit card are first applied to amounts transferred from other credit cards, charge cards or store cards under this offer, before they applied to any other cash advance or purchase amount. This will mean that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first and you will not gain the benefit of any interest-free days on purchases until the full balance (including any balance transfer or any other promotional amount) is paid by the statement due date each month.
2. If you obtain a credit card as part of a Westpac package or switch from an existing Westpac card, you are not eligible for the bonus points described. Promotion not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within 8 weeks of when you first use your card. Altitude points not earned on cash advances. You must have earned a minimum of 3,000 points before you can redeem for any rewards. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see the Altitude Terms and Conditions.
3. Complimentary Overseas travel insurance is only available for trips of up to 3 months (6 months for Platinum card holders). The cover only extends to the primary and secondary card holder, and their spouse and dependent children travelling with either the primary or secondary cardholder. This insurance product is issued by Zurich Australian Insurance Limited ABN 13 000 296 640, which is liable for the risks incurred under the terms of the policy. Terms and conditions apply.
4. On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.
5. 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 MasterCard card (or 55 Day Visa card) or 55 day Gold MasterCard card (or 55 Day Gold Visa 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 19.45% 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. This promotion is only available to customers who apply for a 55 Day MasterCard card (or 55 Day Visa card) or 55 day Gold MasterCard card (or 55 Day Gold Visa card) by 30 September 2008, excluding customers who obtain a 55 Day MasterCard card (or 55 Day Visa card) or 55 day Gold MasterCard card (or 55 Day Gold Visa 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.
6. The earning of Qantas Frequent Flyer points through the use of Earth or Earth+ card is subject to the Earth Conditions of Use. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. A joining fee applies. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer. Qantas Frequent Flyer points are not earned on cash advances and balance transfers (see Earth Conditions of Use for what we regard as cash advances. This includes the purchase of gambling chips and traveller's cheques and ATM withdrawals). You are not entitled to points in other circumstances see the Earth Conditions of Use.

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