Student Visa® Card
Essentials
- A card designed for full-time tertiary students
- Interest rate (variable): 19.70% p.a.
- Low annual fee of $30, waived in your first year
- Up to 55 days interest free on credit purchases as long as you pay your closing balance in full by the statement due date each month 1
- Approval based on income received from your casual job, part-time job or Austudy 2
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Paperless eStatements available.
Features
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A card designed for full time tertiary students studying at a recognised tertiary institution
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Low annual fee of $30, waived in your first year
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Up to 55 days interest free on credit purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month 1
-
Approval based on income received from your casual job, part-time job or Austudy 2
-
Interest rate (variable): 19.70% p.a.
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Accepted at over 28 million places worldwide
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Protected by CardShield™
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Optional: Credit Card Repayment Protection
- Get extra security when you shop at participating online retailers by registering with Verified by Visa ®, through Westpac Added Online Security service.
Fees
| Fee* | Amount |
|---|---|
|
Annual card fee |
$30, waived in your first year |
|
Westpac Foreign Transaction Fee |
The Westpac Foreign Transaction Fee may be payable. This fee is the sum of the Westpac Processing Fee and the Westpac On-Charged Scheme Fee. |
| Westpac Processing Fee | A fee of 2.0% of the value of any purchase or Cash Advance/withdrawal transaction made in a foreign currency, following conversion into Australian dollars by the applicable Credit Card scheme, is payable. This fee will be incorporated into the Australian currency equivalent of the transaction shown on your statement. |
| Westpac On-Charged Scheme Fee |
The Credit Card schemes also charge fees when processing Credit Card transactions made in foreign currencies. The fees are either charged during the process of converting the foreign currency amount into Australian dollars, or are charged separately to Westpac and passed on to you by us. The fees vary depending on the applicable Credit Card scheme:
|
|
Cash advances/Withdrawals fee |
An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account:
These charges will appear on your credit card statement directly below the relevant cash advance. |
|
Missed payment charge |
A charge of $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 |
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 |
A fee of $7.50 may be debited from your credit card account if you, or an additional cardholder, orders 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. |
| eStatements | NIL |
|
Other fees and charges |
Download the Consumer Credit Cards Conditions of Use (PDF 225kb). |
*Fees are subject to change
Things you should know
- 1.Visa Worldwide charges us 1.0% of the transaction amount where a transaction is made using your Visa ® Card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
- Visa is a registered trademark of Visa Worldwide PTe Limited.
Rates
| Variable interest rates | |
|---|---|
| Purchases and cash advances | 19.70% p.a. |
View Student Visa Card ® essentials.
Things you should know
- Visa is a registered trademark of Visa Worldwide PTe Limited.
