Essentials

Special promotion

• 0.99% p.a. for up to 6 months on balance transfers requested at application for new Singapore Airlines Westpac Platinum cards. Limited time offer.

2 cards linked to one account

• A Singapore Airlines Westpac Platinum American Express^® Card for maximum points earn and a Singapore Airlines Westpac Platinum Visa for worldwide acceptance.

KrisFlyer miles earned per $1 spent on purchases

• 1.5 KrisFlyer miles - Singapore Airlines Westpac Platinum American Express^® Card
• 1.5 KrisFlyer miles - Singapore Airlines Westpac Platinum Visa (outside Australia)
• 0.5 KrisFlyer miles - Singapore Airlines Westpac Platinum Visa (in Australia)
• Earn double the usual KrisFlyer miles for every $1 spent on flights and upgrades on singaporeair.com.

Insurance and concierge

• Platinum concierge service
• Complimentary insurance covers.

Variable interest rates

• On purchases - 19.49% p.a.
• On cash advances - 20.74% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
• Annual fee currently $250
• Minimum card limit $6,000
• Minimum income to apply $30,000.

Things you should know

For more information including Singapore Airlines Westpac Platinum Credit Cards Conditions of Use see Details.

Complimentary insurance covers for Singapore Airlines Westpac Platinum cards

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.

Special promotion: 10,000 bonus KrisFlyer miles after your first purchase using either card

The 10,000 bonus miles are not available with any promotion other than a special balance transfer rate available at credit card application. This promotion is only available for a limited time. These bonus miles will usually be transferred to your KrisFlyer account within 45 days of your first eligible purchase transaction using either of your Singapore Airlines Westpac Platinum Credit Cards. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of you giving this to us.

Special promotion: Limited time offer, 0.99% p.a. for up to 6 months on balance transfers requested with card application for new Singapopre Airline Westpac Platinum cards
This rate applies to balances (minimum $200) transferred from non Westpac credit, charge or store cards. The standard variable interest rate applies to balance transfers made at any other time. Your card's conditions of use explain how payments you make are applied to these. Interest free days don't apply to balance transfers. Interest free days on credit purchases don't apply to your account until the full balance (including any special purchase or balance transfer promotional amount) is paid by the statement due date. After 6 months the balance transfer rate converts to the standard variable purchase rate then applicable to your card.

When do special promotions not apply?

Special promotions (including bonus points, introductory balance transfer rates and purchase rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise).

Rewards

Earning with everyday spend

• Earn 1.5 KrisFlyer miles per $1 spent on purchases with your Singapore Airlines Westpac Platinum American Express^® Card
• Earn 1.5 KrisFlyer miles per $1 spent on purchases outside Australia with your Singapore Airlines Westpac Platinum Visa
• Earn 0.5 KrisFlyer miles per $1 spent on purchases in Australia with your Singapore Airlines Westpac Platinum Visa
• Earn double the usual KrisFlyer miles for every $1 spent on flights and upgrades on singaporeair.com
• Points are automatically credited to your KrisFlyer account every month once you’ve provided us with your Singapore Airlines KrisFlyer membership details
• If you do not provide a KrisFlyer membership number at the time of application we will automatically create a KrisFlyer membership for you upon approval of your Singapore Airlines Westpac Platinum credit cards.

Earning bonus KrisFlyer miles

• Receive 10,000 KrisFlyer miles after your first purchase using either of your cards
• Earn double the usual KrisFlyer miles when you use either of your Singapore Airlines Westpac Platinum credit cards to purchase flights or upgrades in Australian dollars from singaporeair.com.

Redeem for flights

Redeem your KrisFlyer miles for flights on Singapore Airlines and more than 20 airline partners.

Earning KrisFlyer miles on Singapore Airlines Westpac Platinum cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use. See Details.

You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. See Details. KrisFlyer miles are not earned on balance transfers or cash advances.

Special promotion: 10,000 bonus KrisFlyer miles after your first purchase using either of your cards

The bonus miles are not available with any promotion other than a special balance transfer rate available at credit card application. This promotion is only available for a limited time. The applicable bonus miles will usually be transferred to your KrisFlyer account within 45 days of your first eligible purchase transaction using either of your Singapore Airlines Westpac gold credit cards. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of you providing this membership number to Westpac. Details are in the Singapore Airlines Westpac Platinum Conditions of Use.

When do special promotions not apply?

Special promotions (including bonus points, introductory balance transfer rates and purchase rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise).

Features

Extended complimentary insurance

A range of complimentary insurance covers come with your card as set out in the Westpac Credit Cards Complimentary Insurance Policy in the Details.

Overseas travel insurance

For overseas trips up to 6 months, cover includes:

• Specified medical expenses incurred overseas
• Up to $20,000 per person cover for loss or damage to personal property
• Up to $550 per person for loss or damage to travel documents
• Limit of $2.5 million of personal liability cover
• Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance cover, if before you leave you prepay travel costs using either one of your Singapore Airlines Westpac Platinum credit cards in accordance with the policy. Find out more in Details. 

Transit accident insurance

Up to $500,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey  using either of your Singapore Airlines Westpac Platinum credit cards before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to the credit card account.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Singapore Airlines Westpac Platinum credit cards.

Complimentary Platinum Concierge Service

Concierge is your own personal assistant, providing emergency assistance worldwide as well as helping you find the perfect party venue, or get tickets to your favourite game. It's all just a phone call away. This service is available 24 hours a day, 7 days a week from anywhere in the world. Read the terms and conditions in Details.

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
• Purchases made by an additional cardholder earn KrisFlyer miles for the account holder only.

Contactless technology

For a fast and convenient payment option for everyday purchases, Singapore Airlines Westpac Platinum Plus Visa  comes with contactless technology:

• For purchases under $100, hold your Visa Card against the Visa payWave terminal wherever you see the payWave logo - no need to enter a PIN or sign.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield™
• Get 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.

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.

Things you should know

For more information including Singapore Airlines Westpac Platinum Credit cards Conditions of Use. See Details.

Complimentary insurance covers for Singapore Airlines Westpac Platinum cards

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.

More on Credit Card Repayment Protection

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). 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. Read the product Disclosure Statement in Details.

Fees

Fees (these may change)	Amount
Annual fee	$250
Westpac Foreign Transaction Fee	The sum of the Westpac Processing Fee and the Westpac On-Charged Scheme Fee displayed separately on your statement.
Westpac Processing Fee	We charge a fee of 2% 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: Visa Worldwide Service Assessment Fee - 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. American Express Foreign Exchange Conversion Fee - 1.5% charged on the transaction amount for converting foreign currency transactions made using an American Express into Australian dollars. We pass this on to the account holder.
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.

For more fee information see the  Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 416kb).

Rates

Transaction	Interest rates
Purchases	19.49% p.a. (variable)
Cash advances	20.74% p.a. (variable)
Special promotion: Balance transfers requested at card application. Limited time offer.	0.99% p.a. for up to 6 months

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store card
• The special rate of 0.99% p.a. for up to 6 months applies to balances requested at card application. The standard variable interest rate applies to balance transfers made at any other time
• The Singapore Airlines Westpac Platinum Credit Cards Conditions of Use explain how payments you make are applied to these transfers
• Interest free days do not apply to balance transfers or on credit purchases until the full balance (including any special purchase or balance transfer promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate converts to the standard variable purchase rate then applicable to your card
• This special promotion is only available for a limited time.

When do special promotions not apply?
Special promotions (including bonus points, introductory balance transfer rates and purchase rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise).

Things you should know
For more information, including the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use see Details.

Details

Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 420kb)

Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb) for purchases on and after 21 October 2012

Westpac Credit Cards Complimentary Insurance Policy (PDF 739kb) for purchases up to and including 20 October 2012

Westpac Platinum Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)

Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 162kb)

Download an application form 

Singapore Airlines Westpac Credit Card application form (PDF 139kb) 

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. 

More details about the KrisFlyer programme

You need to be a member of the Singapore Airlines KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply.  For more details visit singaporeair.com/krisflyer 

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.