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.
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    1300 651 089

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Essentials

Special  promotion

  • $0 annual fee for the life of the card when you apply for a new 55 Day card between 25 July 2014 - 30 September 2014
  • 3.99% p.a. for 6 months on balance transfers at card application for 55 Day credit cards. Balance transfer fee of 1% of transferred balance(s) applies. Limited time offer

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.

Find out more about these special promotions.


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.

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Features

Special promotion

  • $0 annual fee for the life of the card when you apply for a new 55 Day card between 25 July 2014 - 30 September 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 go to 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.

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Fees

Fees (these may change)Amount
Annual fee
  • Special promotion: $0 annual fee for the life of the card when you apply for a new 55 Day card between apply between 25 July 2014 - 30 September 2014.

Outside of this promotional period, $0 annual fee in the first year (currently saving $30) will apply as well as $0 annual fee in subsequent years - when you spend $10,000 or more on purchases in the previous year using our card.

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).

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Rates

TransactionInterest rates
 Purchases

19.84% p.a. (variable)

Cash advances

21.29% p.a. (variable)

Special promotion: Balance transfers requested at new card application. 23 June 2014 - 24 July 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.

3.99%  p.a. for 6 months; a 1% balance transfer fee applies.

Special promotion balance transfer terms and conditions

  • The promotional rate applies to balance transfers (min $200) from non Westpac credit or charge cards requested at new card application
  • A balance transfer fee of 1% of the transferred balance(s) applies
  • The promotional rate applies for 6 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don’t apply to balance transfers
  • Interest free days on purchases don’t apply unless you pay the closing balance in full by the due date shown on your statement 
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 6 months and to balance transfers requested at any time after card application
  • This offer is unavailable in conjunction with any other promotional online offer.

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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.

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    Apply now

    Get a response in 60 seconds

    Apply online