Credit cards comparison table

Rates p.a.
	Altitude	Altitude Gold	Altitude Platinum	Earth	Earth Gold	Earth Platinum Card	Singapore Airlines Westpac Gold Card	Singapore Airlines Westpac Platinum Card	55 Day MasterCard® or Visa	55 Day Gold Visa Card or MasterCard®	55 Day Platinum Visa Card	Student Visa Card	Low Rate Visa or MasterCard®
	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply	Apply
Purchases (variable rate)	19.99% p.a.	19.99% p.a.	19.99% p.a.	19.99% p.a.	19.99% p.a.	19.99% p.a.	19.49% p.a.	19.49% p.a.	0% for the first 5 months of the account opening, then 19.59% p.a.⁵	19.59% p.a.	19.59% p.a.	20.45% p.a.	0% for the first 6 months, then 13.49% p.a.¹⁶
Cash advances (variable rate)	21.59% p.a.	21.59% p.a.	21.59% p.a.	21.49% p.a.	21.49% p.a.	21.49% p.a.	20.74% p.a.	20.74% p.a.	21.49% p.a.	21.49% p.a.	21.49% p.a.	20.45% p.a.	21.49% p.a.
Fixed interest on selected Qantas product and services ⁷	no	no	no	5.99%	5.99%	5.99%	no	no	no	no	no	no	no
Balance transfers ¹	3.99% p.a. for 6 months	3.99% p.a. for 6 months	3.99% p.a. for 6 months	0.99% p.a. for 6 months	0.99% p.a. for 6 months	0.99% p.a. for 6 months	0.99% p.a. for 6 months	0.99% p.a. for 6 months	3.99% p.a. for 6 months	3.99% p.a. for 6 months	3.99% p.a. for 6 months	no	0% p.a. for 6 months
Fees and Charges
Annual card fee	$100	$150	$295	$75	$125	$250⁶	$125	$250	$30 (waived for the first year and then in each subsequent year when purchases in previous years are at least $10,000)⁴	$90 (waived for the first year and then in each subsequent year when purchases in previous years are at least $15,000)⁴	$130 (waived for the first year and then in each subsequent year when purchases in previous years are at least 20,000)⁴	$30 (waived for the first year)	$45
Interest free days ²
On purchases	Up to 45 days	Up to 45 days	Up to 45 days	Up to 45 days	Up to 45 days	Up to 45 days	Up to 45 days	Up to 45 days	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days
Features
2 credit cards linked to the 1 account	yes	yes	yes	yes	yes	yes	yes	yes	no	no	no	no	no
Complimentary overseas travel insurance ⁸	no	Up to 3 months	Up to 6 months	no	Up to 3 months	Up to 6 months	Up to 3 months	Up to 6 months	no	Up to 3 months	Up to 6 months	no	no
Complimentary purchase security insurance ⁸	no	3 months cover	4 months cover	no	3 months cover	4 months cover	3 months cover	4 months cover	no	3 months cover	4 months cover	no	no
Complimentary extended warranty insurance ⁸	no	Up to 1 year	Up to 2 years	no	Up to 1 year	Up to 2 years	Up to 1 years	Up to 2 years	no	Up to 1 year	Up to 2 years	no	no
No points capping	yes	yes	yes	yes	yes	yes	yes	yes	N/A	N/A	N/A	N/A	N/A
No points expiry	As long as you remain an Altitude cardholder	As long as you remain an Altitude cardholder	As long as you remain an Altitude cardholder	Please check qantas.com.au	Please check qantas.com.au	Please check qantas.com.au	Please check krisflyer.com	Please check krisflyer.com	N/A	N/A	N/A	N/A	N/A
Access to Priority Service Line	no	yes	yes	no	no	yes	yes	yes	no	yes	yes	no	no
Complimentary transit accident insurance cover ⁸	no	Up to $250,000	Up to $500,000	no	Up to $250,000	Up to $500,000	no	no	no	Up to $250,000	Up to $500,000	no	no
Card can be linked to Westpac transaction account¹²	yes	yes	yes	yes	yes	yes	yes	yes	yes	yes	yes	yes	yes
Free Qantas Frequent Flyer membership on new accounts for a limited time¹⁰	no	no	no	For a limited time	For a limited time	For a limited time	no	no	no	no	no	no	no
Free KrisFlyer programme membership	no	no	no	no	no	no	yes	yes	no	no	no	no	no
Rewards
Points earned per dollar spent on purchases	2 Altitude points on Altitude American Express Card© 1 Altitude point on the Altitude Visa Card or Altitude MasterCard®⁹	2 Altitude points on Altitude Gold American Express Card© 1 Altitude point on the Altitude Gold Visa Card or Altitude Gold MasterCard®⁹	3 Altitude points per dollar spent on the Altitude Platinum American Express Card© 1 Altitude point per dollar spent on the Altitude Platinum Visa Card or Altitude Platinum MasterCard®⁹	1 Qantas Frequent Flyer point on Earth American Express Card© 0.5 Qantas Frequent Flyer point on Earth MasterCard®	1 Qantas Frequent Flyer point on Earth Gold American Express Card© 0.5 Qantas Frequent Flyer point on Earth Gold MasterCard®	1.5 Qantas Frequent Flyer points on Earth Platinum American Express Card© 0.5 Qantas Frequent Flyer point on Earth Platinum MasterCard®	1 KrisFlyer mile using your Singapore Airlines Westpac Gold American Express ® Card. 0.5 KrisFlyer mile for every $1 spent on purchases using your Singapore Airlines Westpac Gold Visa Card.	1.5 KrisFlyer miles per $1 spent on purchases with merchants located within or outside Australia on Singapore Airlines Westpac Platinum American Express Card. Singapore Airlines Westpac Platinum Visa Card: 1.5 KrisFlyer miles per $1 spent on purchases with merchants outside Australia. When using the Card with merchants within Australia; 1 KrisFlyer mile per $1 spent on purchases until 14 March 2011 and 0.5 KrisFlyer mile from 15 March 2011.	N/A	N/A	N/A	N/A	N/A
Points earned per dollar spent on selected Qantas products and services ¹⁰	N/A	N/A	N/A	1 extra Qantas Frequent Flyer point	1 extra Qantas Frequent Flyer point	1 extra Qantas Frequent Flyer point	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Miles earned per dollar spent at singaporeair.com.au	N/A	N/A	N/A	N/A	N/A	N/A	Double the usual KrisFlyer standard rates	Double the usual KrisFlyer standard rates	N/A	N/A	N/A	N/A	N/A
Special offers
Bonus points on activation for new customers	5,000 Altitude points when card is first used¹¹	10,000 Altitude points when card is first used¹¹	15,000 Altitude points when card is first used¹¹	no	no	no	5,000 KrisFlyer miles after first purchase¹⁴	10,000 KrisFlyer miles after first purchase¹⁵	N/A	N/A	N/A	N/A	N/A
Qantas Frequent Flyer points on purchases	no	no	no	yes	yes	yes	no	no	N/A	N/A	N/A	N/A	N/A
KrisFlyer miles on purchases¹³	no	no	no	no	no	no	yes	yes	N/A	N/A	N/A	N/A	no

Things you should know

Important: If you are applying for a selected credit card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac credit card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Credit card applications are subject to Westpac's normal lending criteria. An additional credit card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.
1. Promotion period is from 23 January 2012 to 16 March 2012. This offer excludes transfers and upgrades from existing Westpac credit cards and Westpac Group employees. The special balance transfer rate applies to balance transfers from non-Westpac credit, charge or store card(s) when requested at new card application before 16 March 2012. Subsequent balance transfers will be charged at the variable purchase rate then applicable to your card and will be treated as purchases with no interest free days applying to them. Payments to your account will be applied to the lowest applicable interest rate before any other cash advance or purchase amounts in ascending order. This means that the portion of your outstanding account balance that is subject a lower interest rate will be paid off first. After 6 months the balance transfer rate will switch back to your credit card variable purchase rate then applicable to your card. Each balance transfer must be a minimum of $200.
2. 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.
3. The annual fee is charged to the credit card account on the first use of the card and in subsequent years on or after the anniversary of the first use of the card or, where you have opted into Altitude Qantas from an Altitude, Altitude Gold or Altitude Platinum card, the annual fee is charged to the credit card account on or after each anniversary of the date your relevant Altitude card annual fee was first charged.
4. Annual fee will be waived in subsequent years if you spend: 55 Day Card - $10,000 or more on credit purchases in the previous year using your card; 55 Day Gold card - $15,000 or more on credit purchases in the previous year using your card; 55 Day Platinum Visa Card - $20,000 or more on credit purchases in the previous year using your card.
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) 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 19.59% 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 MasterCard card or 55 Day 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 annual card fee is charged to the credit card account on the first use of the card and in subsequent years on or after the anniversary of the first charge. Annual card fees are subject to change.
7. When you spend at least $500 on selected Qantas transactions you will pay a fixed rate of 5.99% on those transactions. Call us on 1300 762 284 after the transaction to activate this rate. The promotional rate will apply to that purchase from the date you notify us. The standard rate on purchases will apply to that purchase until you notify us. You will lose the benefit of the interest free days on all credit purchases where the closing balance (including any balance transfer or promotional amount including any amount to which the promotional 5.99% applies) is not paid in full by the statement due date each month.
8. Insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 to Westpac Banking Corporation under separate master policies. Zurich is liable for separate risks insured under the terms of each policy. The benefits of the insurance from Zurich are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. This cover is automatically available, however, the cardholder is under no obligation to accept the insurance cover and cover is subject to the terms and conditions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must become eligible for the insurance as outlined in the relevant policy. For example, in the case of Overseas Travel Insurance, the return overseas travel ticket (but not taxes or airport or travel agent charges) must have been purchased using your card prior to leaving Australia in accordance with the policy. This cover is available to you, your spouse and certain dependant children for specified events. In the case of the Purchase Security and Extended warranty insurances, the particular new personal item must have been purchased using the credit card. No Westpac Group company has any liability in connection with the insurance policies. Policy wordings may be obtained by calling 1300 367 228 or by downloading the Gold Card Insurance Conditions of Use (PDF 307kb).
9. 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 (PDF 497KB) and the Altitude Platinum Terms and Conditions (PDF 488KB).
10. The earning of Qantas Frequent Flyer points through the use of Earth or Earth Gold cards is subject to the Earth Conditions of Use (PDF 301KB). and through the use of Earth Platinum is subject to the Earth Platinum Conditions of Use (PDF 226KB). Qantas Frequent Flyer points are not earned on cash advances and balance transfers (see Earth Conditions of Use (PDF 301KB) or Earth Platinum Conditions of Use (PDF 226KB).) 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 theEarth Conditions of Use (PDF 301KB) or Earth Platinum Conditions of Use (PDF 226KB).You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but Westpac has arranged for this to be waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 28 February 2011. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer.
11. 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. This promotion is 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 are 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 (PDF 497KB). 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 Altitude Terms and Conditions (PDF 497KB).
12. Altitude, Altitude Gold, Altitude Platinum, Earth, Earth Gold, Earth Platinum, Singapore Airlines Westpac Gold and Singapore Airlines Westpac Platinum American Express Cards can be linked to Westpac transaction accounts.
13. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac Platinum and Singapore Airlines Westpac Gold Cards as applicable and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 356) or the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348KB). Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances – refer to your Cards' Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights.
14. 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. If you are eligible, usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac Cards, the 5,000 KrisFlyer promotional miles will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of your providing this number to Westpac. Transfer of miles is subject to the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348kb)
15. 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. If you are eligible, usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac Cards, the 10,000 KrisFlyer promotional miles will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of you providing this number to Westpac. Transfer of miles is subject to the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 356kb)
16. Promotion period is from 23 January 2012 to 16 March 2012. This offer excludes transfers and upgrades from existing Westpac credit cards and Westpac Group employees. The introductory rate of 0% p.a. on purchases for the first 6 months is only applicable on purchases made using your Low Rate card within 6 months from the date your account is activated. After the 6 month period, the introductory variable purchase rate of 0% p.a. will switch to the variable purchase interest rate then applicable to your 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.
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