Singapore Airlines Westpac Gold Card
Essentials
- Reward yourself with an experience that goes far beyond miles
- Two credit cards linked to one account, with only one monthly statement and one credit limit
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Maximise your KrisFlyer miles on purchases:
- 1 KrisFlyer mile for every $1 spent on purchases using your Singapore Airlines Westpac Gold American Express® Card1
- 0.5 KrisFlyer mile for every $1 spent on purchases using your Singapore Airlines Westpac Gold Visa® Card1 - Receive 5,000 KrisFlyer miles after your first purchase using either of your Cards 2
- 0.99% p.a. on balance transfers for up to 6 months 3
- Interest rates (variable) 18.74% p.a. on purchases, 19.99% p.a. on cash advances
- $75 annual fee for the first year (usually $125)
- Earn double the usual KrisFlyer miles for every dollar your spend on singaporeair.com.au 1
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Complimentary insurance in accordance with the policy 4
- Overseas Travel Insurance cover for trips of up to 6 months
- Purchase Security Insurance cover
- Extended Warranty Insurance cover - Paperless eStatements available.
- View more Singapore Airlines reward details at Singapore Airlines Westpac Gold Card.
Things you should know
- 1. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac credit cards and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348kb).Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances – refer to your Cards’ Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights.
- 2. If you obtain a credit card as part of a Westpac package, or switch from an existing Westpac card, you are not eligible for the bonus points described. If you are eligible, usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac Cards, the 5,000 KrisFlyer promotional miles will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of your providing this number to Westpac. Transfer of miles is subject to the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348kb).
- 3. This special rate is only available to customers who are applying for a new Singapore Airlines Westpac Gold 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 18.74% 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.
- 4. Insurance cover is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of each policy. The benefits of the insurance from Zurich are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. This cover is automatically available, however the cardholder is under no obligation to accept the benefits of the cover and cover is subject to the terms and conditions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must become eligible for the insurance as outlined in the relevant policy. For example, in the case of the Overseas Travel Insurance the tickets for both departing and returning travel (but not taxes or airport or travel agent charges) must have been purchased using your card prior to leaving Australia in accordance with the policy. This cover is available to you, your spouse and children for specified events. In the case of the Purchase Security and Extended Warranty Insurances the particular new item must have been purchased using the credit card. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 661 324 or downloading the Singapore Airlines Westpac Gold Credit Card Insurance Policy (PDF 329kb).
- Unless otherwise specified, the products and services described on this website are provided by Westpac Banking Corporation ABN 33 007 457 141 AFS Licence No. 223714, and are only available in Australia . Terms and conditions apply to those products and services.
- American Express® is a Registered Trademark of American Express Company. Visa and the Visa Brand Mark are registered trademarks of Visa Worldwide PTe Limited. © 2009 Westpac Banking Corporation ABN 33 007 457 141
Features
- Earn 1 KrisFlyer mile for every $1 spent on purchases in or outside Australia using your Singapore Airlines Westpac Gold American Express ® Card 1
- Earn 0.5 KrisFlyer mile for every $1 spent on purchases in or outside Australia using your Singapore Airlines Westpac Gold Visa ® 1
Receive 2 cards linked to one account
- Each Singapore Airlines account has two cards: a Singapore Airlines Westpac Gold American Express ® Card and a Singapore Airlines Westpac Gold Visa Card
- Use your Singapore Airlines Westpac American Express ® Card to maximise your points earning potential
- Your Singapore Airlines Westpac Gold Visa Card comes with the convenience of acceptance at over 28 million locations worldwide and ATM access.
Earn bonus miles
- Receive 5,000 bonus KrisFlyer points when you first use either card for a purchase 2
- Up to 1 bonus point for every dollar spent at participating bonus partners within Australia 1 : view a complete list
Earn double miles on singaporeair.com.au
Flying Singapore Airlines is twice as enjoyable when you purchase the tickets with either of your cards on singaporeair.com.au for travel out of Australia. Simply buy your ticket in Australian dollars to earn double the KrisFlyer miles you would usually earn at the standard rate, and you could be flying again sooner. 1
Complimentary travel insurance cover 4
Complimentary overseas travel insurance for trips up to 3 months for you and your immediate family travelling with you when you pay for your return tickets prior to leaving Australia, using either of your Singapore Airlines Gold cards, in accordance with the policy. This includes:
- Certain medical and hospital expenses incurred overseas
- Up to $15,000 per person and up to $20,000 cover per family for loss or damage to your personal goods
- Up to $2.5 million of personal liability
- Rental vehicle excess cover of up to $5,000 for loss or damage to a rental vehicle.
Complimentary transit accident insurance cover 4
- Up to $250,000 transit accident insurance in the event of death or defined injury when travelling outside Australia while travelling on plane, bus, train or ferry when you have purchased the tickets for the journey using either Singapore Airlines Gold cards before you leave, in accordance with the policy.
Complimentary purchase security insurance cover 4
Receive up to 3 months cover cover against loss, theft or accidental damage for most new items purchased in Australia and overseas, up to $125,000 value in a 12 month period, in accordance with the policy.
Complimentary extended warranty insurance cover4
Receive up to one year’s extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Singapore Airlines Gold card in accordance with the policy
More about the Singapore Airlines Gold Card
- 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 5
- 0.99% p.a. interest for 6 months on balance transfers made at card application 3
- Optional credit card repayment protection insurance available to cover repayments in the event of death, ill health or job loss
- Link your Singapore Airlines Westpac Gold MasterCard ® or Singapore Airlines Westpac Gold Visa ® Card to your Westpac transaction or savings account
- Get a cash advance using your Singapore Airlines Westpac Gold Visa Card or Singapore Airlines Westpac Gold MasterCard from ATMs displaying the MasterCard ® or Visa ® logo and from financial institutions worldwide 5
- Book car rentals, flights and hotels through our personalised travel service – call 1300 661 324 and earn extra KrisFlyer points 4
- Get extra security when you shop at participating online retailers by registering with Verified by Visa®, through Westpac Added Online Security service.
Priority service line
All Singapore Airlines Westpac Gold cardholders have access to a priority service line for all services. Call us on 1300 661 324, 24 hours a day, 7 days a week.
Things you should know
- 1. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac credit cards and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348kb).Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances – refer to your Cards’ Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights.
- 2. If you obtain a credit card as part of a Westpac package, or switch from an existing Westpac card, you are not eligible for the bonus points described. If you are eligible, usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac Cards, the 5,000 KrisFlyer promotional miles will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of your providing this number to Westpac. Transfer of miles is subject to the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 348kb).
- 3. This special rate is only available to customers who are applying for a new Singapore Airlines Westpac Gold 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 18.74% 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.
- 4. Insurance cover is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of each policy. The benefits of the insurance from Zurich are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. This cover is automatically available, however the cardholder is under no obligation to accept the benefits of the cover and cover is subject to the terms and conditions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must become eligible for the insurance as outlined in the relevant policy. For example, in the case of the Overseas Travel Insurance the tickets for both departing and returning travel (but not taxes or airport or travel agent charges) must have been purchased using your card prior to leaving Australia in accordance with the policy. This cover is available to you, your spouse and children for specified events. In the case of the Purchase Security and Extended Warranty Insurances the particular new item must have been purchased using the credit card. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 661 324 or downloading the Singapore Airlines Westpac Gold Credit Card Insurance Policy (PDF 329kb).
- Unless otherwise specified, the products and services described on this website are provided by Westpac Banking Corporation ABN 33 007 457 141 AFS Licence No. 223714, and are only available in Australia . Terms and conditions apply to those products and services.
- American Express® is a Registered Trademark of American Express Company. Visa and the Visa Brand Mark are registered trademarks of Visa Worldwide PTe Limited. © 2009 Westpac Banking Corporation ABN 33 007 457 141
- 5. The interest-free period applies on credit purchases only, where the closing balance (including any balance transfer amount or any other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.
Fees
| Fee* | Amount – see below |
|---|---|
| Annual fee | $75 for the first year (usually $125) |
| Wespac 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/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 | 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, 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. |
| eStatements | NIL |
| Other fees and charges | Download the Consumer Credit Cards Conditions of Use (PDF 280kb). |
*Fees are subject to change
Things you should know
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Rates
| Interest rates | |
|---|---|
| Purchases | 18.74% p.a. (variable) |
| Cash advances | 19.99% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for up to 6 months 1 |
View Singapore Airlines essentials
Things you should know
- 1. This special rate is only available to customers who are applying for a new Singapore Airlines Westpac Gold 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 18.74% 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.
