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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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Effective 1 June 2008, the complimentary insurance cover extended to you as a 55 Day credit cardholder, under the policy titled "55 Day and 55 Day Gold card complimentary personal identity theft insurance", will cease. Please note that you continue to be protected against unauthorised electronic transactions on your Westpac credit card account under the EFT Code of Conduct. 
Identity Theft Insurance Policy (PDF 159kb) includes cover for certain expenses you incur in reporting the theft and in seeking to correct errors in some records arising from misuse of your identity. This insurance only covers unauthorised transaction losses in limited circumstances. Losses caused by the cardholder and certain relatives, estranged partners and persons who have shared accommodation with the cardholder and civil authorities are excluded. Some limits apply to certain identity theft expenses. The insurance product is issued by Chubb Insurance Company of Australia Ltd ABN 69 003 710 647 AFSL 239778, which is liable for the risks incurred under the terms of the policy. Terms, conditions, limits and exclusions apply.
* 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.
Information contained on this site is current as at 18 March 2008.
Download the Credit Cards Conditions of Use.
1. On credit purchases only, where the closing balance (including any balance transfer amount or any other promotion) 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.
Fees and charges apply to Westpac's 55 Day cards. Full details of current Terms and Conditions are available on application. Terms and conditions, including bank fees and charges, may be varied or introduced in the future. Government charges and taxes apply.
# 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.
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