Student Visa Card
Essentials
- A card designed for full-time tertiary students
- Interest rate (variable): 20.45% p.a.
- Low annual fee of $301, 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 month2
- Approval based on income received from your casual or part-time job3
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Paperless eStatements available.
Related documents
Things you should know
- 1.Annual fee is subject to change.
- 2.Interest on cash advances is calculated from the date the transaction is debited to your card account.
- 3. Other normal Westpac lending criteria still apply.
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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 $301, 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 month2
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Approval based on income received from your casual or part-time job3
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Interest rate (variable): 20.45% 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 Protection4
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Get extra security when you shop at participating online retailers by registering with Verified by Visa, through Westpac Added Online Security service.
Related documents
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.
- Credit Savvy: Westpac’s lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected credit card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.
- 1.Annual fee is subject to change.
- 2.Interest on cash advances is calculated from the date the transaction is debited to your card account .
- 3.Other normal Westpac lending criteria still apply.
- 4.Credit Card Repayment Protection 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 insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy 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 does not guarantee payments under the policy.
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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 and will be displayed separately on your statement. |
| Westpac Processing Fee | We charge a fee of 2.0% of the Australian dollar value of any purchases or cash advances/withdrawals when the applicable credit card scheme converts the transaction from a foreign currency into Australian dollars. |
| 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, 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 in these circumstances.
Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction. 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 232 kb). |
*Fees are subject to change
Related documents
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.
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Rates
| Variable interest rates | |
|---|---|
| Purchases and cash advances | 20.45% p.a. |
View the Student Visa Card essentials.
Related documents
Things you should know
-
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