55 Day Credit Card

A straightforward credit card with no annual fee in the first year.

Living up to it's name, with up to 55 days interest free on purchases.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
  • Give us a call

    1300 130 961

    8am-8pm, 7 days a week

Essentials

Special promotion

  • $0 annual fee in the first year (currently saving $30) and $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver. Offer available on new card applications received between 1 October 2014 – 16 November 2014.
  • 0.00% p.a. for 6 months on balance transfers at card application. Balance transfer fee of 1% of transferred balance(s) applies. Limited time offer. Find out more at Rates.

Switches upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for these offers. These offers are unavailable in conjunction with any other promotional online offer.

Interest free days

Up to 55 days interest free on purchases when you pay the closing balance in full by the due date shown on your statement.

Variable interest rates

  • On purchases - 19.84% p.a.
  • On cash advances - 21.29% p.a.

Minimum credit limit

$1,000 minimum credit limit.

 

Things you should know

For Credit Cards Conditions of Use and more see Details.

To find out more about the introductory purchase rate and balance transfer special promotions, see Rates.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Features

Special promotion

$0 annual fee in the first year (currently saving $30) and $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver. Offer available on new card applications received between 1 October 2014 – 16 November 2014.

Switches upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for this offer. This offer is unavailable in conjunction with any other promotional online offer.


Interest free days on purchases 

Up to 55 interest free days on purchases when you pay the closing balance in full by the due date shown on your statement.


Card security

  • Cardshield™ helps defend against fraudulent activity
  • Increased credit card security where your card comes with an embedded microchip
  • Extra security when you shop at participating online retailers by registering with Verified by Visa through the Westpac Added Online Security service
  • Falcon® Fraud Protection, 24/7.

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.


Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Consumer Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please see what to do if there is a fraudulent transaction on your card.


Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card.


Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your Visa Card against the Visa payWave or PayPass™ terminal wherever you see the contactless symbol - no need to enter a PIN or sign.

Now you can use your Samsung Galaxy S4 or S5 smartphone to make everyday purchases. Simply download the Westpac Mobile Banking app and choose which cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S4 or S5 smartphone against the contactless terminal.


Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Fees

Fees (these may change) Amount
Annual fee

Special promotion: $0 annual fee in the first year (currently saving $30) and $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver. Offer available on new card applications received between 1 October 2014 – 16 November 2014.



Switches upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for this offer. This offer is unavailable in conjunction with any other promotional online offer.

Westpac foreign transaction fee 

The Westpac foreign transaction fee is payable as a percentage of the Australian dollar value of any foreign transaction. The percentage will vary depending on the applicable credit card scheme:

  • Visa: 3.0%
Cash advances/withdrawal fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. 

Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge

$9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.

Over-limit fee

If your card account was opened before 4 June 2012, a fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.

Duplicate statement fee

$7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

Balance transfer fee A balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day card account on the same day these balance(s) are debited to the account.

For more information see the Consumer Credit Card Conditions of Use (PDF 232kb).

  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Rates

Transaction Interest rates
 Purchases

19.84% p.a. (variable)

Cash advances

21.29% p.a. (variable)

Special balance transfer promotion: 0.00% p.a. for 6 months on balance transfers requested at card application. New cards only. Apply between 1 October 2014 - 16 November 2014.

0.00% p.a. for 6 months; a 1% balance transfer fee applies.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards
  • A balance transfer fee of 1% of the transferred balance(s) applies
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 6 months, unless the amount is paid off earlier
  • The standard variable purchase rate will apply to balance(s) transferred but left unpaid after 6 months and to balance transfers requested at any time after card application
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s).
  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Details

Consumer Credit Card - Conditions of Use (PDF 649kb)

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online