GM Holden Card
Essentials
- Save up to $3,000 on selected new Holdens
- Earn up to a $3,000 rebate on your new Holden, Saab or Hummer
- 10 cents in every dollar goes towards the saving on your new Holden 1
- Annual fee: $55 (waived for the first year)
- Interest rate (variable): 20.20% p.a.
- Up to 45 days interest free on purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month 2
- Paperless eStatements available.
Things you should know
- 1.Earning and redemption of Rebate towards a new Holden is subject to the GM Holden Card Rebate Program Rules. The maximum GM Holden Card "Core Rebate" (plus any additional "Bonus" Rebate accumulated via the Partner Program) applicable for each vehicle, accrued over a maximum of 5 years may be applied per eligible vehicle purchased. For maximum rebate applicable for each vehicle refer to the Maximum Rebate Levels table.
- 2.Interest on cash advances is calculated from the date the transaction is debited to your card account.
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- MasterCard ® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Features
Earn up to a $3,000 core rebate
- Earn up to $3,000 in Core Rebates on the cost of a new Holden, Saab or Hummer.
- 10% of every dollar you spend goes towards your core rebate for a new Holden, Saab or Hummer 1
- The savings on your core rebate is in addition to the best price you can negotiate with your GM Holden Dealer.
Bonus points help you get your new car sooner
- An extra 2% core bonus rebate from GM Holden dealers 2
Additional benefits of the GM Holden card
- 3.99% p.a. on balance transfers for up to 6 months 5
- Annual fee: $55 (waived for the first year)
- Interest rate (variable): 20.20% p.a.
- Up to 45 days interest free on purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month 3
- An additional card for a nominated person 4
- Free admission to selected motor shows
- Optional credit card repayment protection
- Get extra security when you shop at participating online retailers by registering with MasterCard ® SecureCode ™,through Westpac Added Online Security service.
Things you should know
- 1. Earning and redemption of rebate towards a new Holden is subject to the GM Holden Card Rebate Program Rules. The maximum GM Holden Card "Core Rebate" (plus any additional "Bonus" Rebate accumulated via the Partner Program) applicable for each vehicle, accrued over a maximum of 5 years may be applied per eligible vehicle purchased. For maximum rebate applicable for each vehicle, refer to the Maximum Rebate Levels table.
- 2. At participating GM Holden Dealers only. Credit card purchases of new or used vehicles are not eligible for the 2% Bonus Rebate at GM Holden Dealers
- 3.Interest on cash advances is calculated from the date the transaction is debited to your card account.
- 4.An additional card on your GM Holden Card account can be issued to anyone you nominate, provided they are over the age of 16 years. Rebate remains the benefit of the Primary Cardholder, and can only be used by the Additional Cardholder with the Primary Cardholder's consent.
- 5. This special rate is only available to customers who are applying for a new GM Holden card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 20.20% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.
- MasterCard ® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Fees
| Fee* | Amount |
|---|---|
| Annual fee | $55 (waived for the 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:
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Cash advance rate and withdrawal 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 fee |
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 Card Conditions of Use (PDF 686kb). |
*Fees are subject to change
Things you should know
- 1.MasterCard ® International Incorporated charges us 0.8% of the transaction amount where a transaction is made using your MasterCard ® and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
- 2.MasterCard ® International Incorporated charges us 0.2% of the transaction amount for converting foreign currency transactions made using a MasterCard ® into Australian dollars. We pass this amount on to our customers.
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To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format. - MasterCard ® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Rates
| Interest Rates | |
|---|---|
| Purchases | 20.20% p.a. (variable) |
| Cash advances | 20.20% p.a. (variable) |
| Balance transfers (made at new card application) for 6 months | 3.99% p.a. for up to 6 months 1 |
View GM Holden essentials.
Things you should know
- 1.This special rate is only available to customers who are applying for a new GM Holden card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 20.20% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.
Rebates
With the GM Holden Card, 10% of every dollar you spend on credit purchases goes towards a Rebate on a new Holden, Saab or Hummer (that’s a $10 saving on a new vehicle for every $100 spent).
Depending on the model, you can redeem up to $3,000 in Core Rebate towards the purchase or lease of any new eligible vehicle. This is on top of the best price you can negotiate with your Dealer.
The table below outlines the maximum rebate levels on the vehicle range per each eligible purchase.
| Maximum rebate | Cars the rebate is applicable to |
|---|---|
| $3,000 | Saab |
| Berlina | |
| Calais | |
| Caprice | |
| Commodore | |
| Hummer | |
| HSV | |
| Statesman | |
| Ute | |
| $1,000 | Captiva |
| $750 | Astra |
| Combo | |
| Colorado | |
| Epica | |
| Viva | |
| Cruze | |
| $500 | Barina |
To view the range of Holden vehicles you can redeem your rebate on, visit the GM Holden website.
The GM Holden Card Rebate Program Rules
The redemption of Rebate towards the cost of a new Saab or Hummer is subject to the GM Holden Card Rebate Program Rules. GM Holden Card Bonus Rebate cannot be earned at Saab or Hummer Dealerships. Westpac Altitude GM Holden Rebate vouchers cannot be used towards the purchase of a new Saab or Hummer.
The rules relating to your core rebate are contained in the GM Holden Card Rebate Program Rules booklet (PDF 160kb) – available online. The contents include:
- Earning the card rebate
- Eligible purchases
- Redeeming your rebate
- Maximum rebate amounts
- Eligible vehicles.
Things you should know
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To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.
