You now have a choice when verifying transactions with certain credit cards; either sign as normal or key in your PIN.
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This tool can help you choose the right card. |
Use this tool to compare the features of our cards. |
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Got a question about Credit Cards? 
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 ABN & RSE Numbers for Superannuation entities.
By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.
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. 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 859 100 or by downloading the Gold Card Insurance conditions of use (PDF 244kb) or the 55 Day Platinum Card Insurance Policy. (PDF 331kb)
3. 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.
4.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 18.99 % 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 special promotion is subject to change and is not available to customers who obtain a 55 Day card as part of a Westpac package; or who switch from an existing Westpac card. For a limited time only, only new 55 Day card applications received from 1 May 2008 will avail of this special offer. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
5. The earning of Qantas Frequent Flyer points through the use of Earth or Earth Gold Cards is subject to the Earth Conditions of Use, or through the use of Earth Platinum Cards is subject to the Earth Platinum 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 usually applies, but is waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 30 June 2009. 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 (refer as relevant to the Earth Conditions of Use or the Earth Platinum 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 - refer as relevant to the Earth Conditions of Use or the Earth Platinum Conditions of Use .
6.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 extra 5,000, 10,000 or 20,000 points described. Your extra Qantas Frequent Flyer points will usually be allocated to your valid Qantas Frequent Flyer membership account within 6 weeks of 31 March 2009.
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