55 Day Gold MasterCard or Visa

Cards Customer Service
Call Centre 1300 367 228

A great everyday card with a higher credit limit than the standard 55 Day card and a range of insurance benefits.

0% p.a. on purchases for the first 5 months from when your account is opened*
Annual fee: $90 (waived for the first year and ongoing when you make purchases of at least $12,000 pa. This is increasing to $15,000 p.a. effective 14 November 2008)
Interest rate: 19.99% pa for purchases, 21.09% pa for cash advances
Up to 55 days interest free on credit purchases where your closing balance (including any balance transfer amount or other promotional amount) is paid in full by the due date each month¹

Key features | Insurance | Additional benefits

Key features

As well as all the benefits of a Westpac credit card, you'll enjoy exclusive Gold benefits:

Complimentary Overseas Travel Insurance²
Complimentary Purchase Security and Extended Warranty Insurances²
Complimentary Transport Accident Insurance²
A higher credit limit than standard MasterCard or Visa Card
Optional - Credit Card Repayment Protection

Insurance

Complimentary Overseas Travel Insurance
Purchase your travel using your 55 Day Gold Card and you will receive complimentary comprehensive overseas travel insurance for trips of up to three months. That's a potential saving of hundreds of dollars. You, and your immediate family travelling with you, automatically receive:

Unlimited medical expenses cover
Up to $15,000 cover for lost luggage, personal effects or travel documents
Up to $2.5million of personal liability
Rental vehicle collision damage and theft excess cover of up to $5,000

Plus, in the event of your death or defined injury while travelling on public transport (including aeroplanes) anywhere in the world, you are covered by Transport Accident Insurance³ for up to $250,000.

Shop with complimentary Purchase Security Insurance and Extended Warranty Insurance
Your 55 Day Gold Card gives you 90 days complimentary Purchase Security Insurance³ against loss, theft, breakage or fire for most new items you purchased with your 55 Day Gold Card in Australia and overseas.

Receive complimentary Extended Warranty Insurance¹ of up to one year, in addition to the manufacturer's warranty, on most goods purchased with your 55 Day Gold Card in Australia and overseas.

Additional benefits

Priority Service Line
All 55 Day Gold cardholders have access to a Priority Service Line. You can call us on 1300 367 228, 24 hours a day, 7 days a week.

See interest rate table.

MasterCard Exclusives

For those things money can buy, MasterCard is accepted at more locations worldwide and offers cardholders an exclusive box office ticketing service.

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Use our tools to help you choose a card or compare our cards.

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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.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

Credit card applications are subject to the Bank's normal lending criteria.

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 19.99% 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 Consumer 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.

2. This insurance is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 which is liable for separate risks insured under the terms of each policy. These insurance products are complimentary and provided free of charge to the cardholder. The cardholder is under no obligation to accept the insurance cover and cover is subject to the conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 367 228 or by downloading the Gold Card Insurance Conditions of Use.

Fees and charges apply to Gold Cards. Full details of current Terms and Conditions are available on request. These may be varied, or new terms and conditions introduced in the future.

# 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.