Credit cards Rates, calculators and tools

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.
• 1. This offer excludes transfers and upgrades from existing Westpac credit cards and Westpac Group employees. The special balance transfer rate applies to balance transfers from non-Westpac credit, charge or store card(s) when requested at new card application. Subsequent balance transfers will be charged at the variable purchase rate then applicable to your card and will be treated as purchases with no interest free days applying to them. Payments to your account will be applied to the lowest applicable interest rate before any other cash advance or purchase amounts in ascending order. This means that the portion of your outstanding account balance that is subject a lower interest rate will be paid off first. After 6 months the balance transfer rate will switch back to your credit card variable purchase rate then applicable to your card. Each balance transfer must be a minimum of $200.
• 2. The introductory rate of 1.9% p.a. on purchases for the promotional period is only applicable on purchases made using your new Credit Card from date of card activation. The variable purchase interest rate then applicable to your card will apply. The introductory rate on purchases is not available in conjunction with any promotion other than the above advertised balance transfer rate. The introductory rate is not applicable to cash advances and balance transfers.
• American Express^® is a registered trademark of American Express.
• MasterCard^® is a registered trademark of MasterCard International Incorporated.