Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards
• The special rate of 3.99% 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 Consumer 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.

Things you should know

For more information including the Consumer Credit Cards Conditions of Use see Details.

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards.
• The special rate of 3.99% 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 Consumer Credit Card 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 Consumer Credit Cards Conditions of Use see Details. 

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards,  charge cards or store cards
• The special rate of 3.99% 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 Consumer Credit Card 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.

Things you should know

For more information including the Consumer Credit cards Conditions of Use, see Details.

Special interest rate offer

Pay 5.99% p.a. fixed interest on selected Qantas products and services for transactions over $500 purchased using either of your Earth cards. To qualify, you’ll need to:

• Spend at least $500 on selected Qantas products and services in one transaction
• Activate this rate by calling us on 1300 762 284 and notify us of the transaction.

From the date you notify us, the promotional rate will apply to that purchase. Prior to notifying us, the standard variable interest rate on purchases will apply to the selected purchase.

You’ll lose the benefit of interest free days on all credit purchases where the closing balance (including any amount to which the promotional 5.99% p.a. fixed rate applies) isn’t paid in full by the statement due date each month.

Balance transfer terms and conditions

•  Balances need to be $200 or more and transferred from non Westpac credit cards,  charge cards or store cards
• 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 Consumer Credit Card 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.

For more information including the Earth Conditions of Use, see Details.

Special interest rate offer

Pay 5.99% p.a. fixed interest on selected Qantas products and services for transactons over $500 purchased either using either of your Earth Platinum cards. To qualify you'll need to:

• Spend at least $500 on selected Qantas products and services in one transaction
• Activate this rate by calling us on 1300 762 284 and notifying us of the transaction.

From the date you notify us, the promotional rate will apply to that purchase. Prior to notifying us, the standard variable interest rate will apply to the selected purchase.

You'll lose the benefit of interest free days on all credit purchases where the closing balance (including any amount to which the promotional 5.99% p.a. fixed rate applies) isn't paid in full by the statement due date.

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards
• 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 Consumer Credit Card 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.

Things you should know

For more information including the Earth Conditions of Use, see Details.

Special interest rate offer

Pay 5.99% p.a. fixed interest on selected Qantas products and services for transactions over $500 purchased using either of your Earth Black cards. To qualify, you’ll need to:

• Spend at least $500 on selected Qantas products and services in Australia in one transaction
• Activate this rate by calling us on 1300 762 284 and notify us of the transaction.

From the date you notify us, the promotional rate will apply to that purchase. Prior to notifying us, the standard variable interest rate on purchases will apply to the selected purchase.

You’ll lose the benefit of interest free days on all credit purchases where the closing balance (including any amount to which the promotional 5.99% p.a. fixed rate applies) isn’t paid in full by the statement due date each month.

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards
• 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 Earth 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 Earth Conditions of Use see Details.

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards.
• The special rate of 3.99% 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 Consumer Credit Card 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
• A  balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day card account on the same day these balance(s) are debited to the account
• This special promotion is only available for a limited time.

For more information, including the Consumer Credit Card Conditions of Use, see Details.

Special promotion: 0% p.a. on purchases for up to 6 months from card approval on 55 Day Visa or MasterCard®.

This special rate applies to credit purchases made 6 months from the date we approve your new card account. 6 months after this date (as specified in your credit card contract) the purchase rate will convert to the variable purchase rate then applicable to the card. The introductory purchase rate is not available with any promotion other than a special balance transfer rate  available at credit card application. This purchase rate promotion is only available between 2 April 2013 - 1 July 2013

Special promotion: 3.99% p.a. for up to 6 months on balance transfers at card application for new 55 Day cards. 1% balance transfer fee applies.

This promotional rate applies to balances (minimum $200) transferred from non Westpac credit, charge or store cards, request at card application. A  balance transfer fee of 1% of the  transferred balance(s) will be charged to the 55 Day card account on the same day these balance(s) are debited to the account. The standard variable interest rate (with no balance transfer fee) 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. Limited time offer.

Special promotions: 0% p.a. on purchases for up to 5 months on 55 Day Visa or MasterCard®

This special rate applies to credit purchases made 5 months from the date we approve your new card account. 5 months after this date (as specified in your credit card contract) the purchase rate will convert to the variable purchase rate then applicable to the card. The introductory purchase rate is not available with any promotion other than a special balance transfer rate  available at credit card application. This purchase rate 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).

Balance transfer terms and conditions

• Balances need to be $200 or more and transferred from non Westpac credit cards, charge cards or store cards.
• The special rate of 3.99% 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 Consumer Credit Card 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
• A balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day Platinum card account on the same day these balance(s) are debited to the account
• This special promotion is only available for a limited time.

Special promotion: 0% p.a. on purchases for up to 6 months from card approval on 55 Day Platinum Visa.

This special rate applies to credit purchases made 6 months from the date we approve your new card account. 6 months after this date (as specified in your credit card contract) the purchase rate will convert to the variable purchase rate then applicable to the card. The introductory purchase rate is not available with any promotion other than a special balance transfer rate at credit card application. This purchase rate promotion is only available between 2 April 2013 - 1 July 2013.

Special promotion: 3.99% p.a. for up to 6 months on balance transfers at card application for new 55 Day Platinum cards. 1% balance transfer fee applies. Limited time offer.

This promotional rate applies to balances (minimum $200) transferred from non Westpac credit, charge or store cards, request at card application. A transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day Platinum card account on the same day these balance(s) are debited to the account. The standard variable interest rate (with no balance transfer fee) 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.

Things you should know
For more information, including the Consumer Credit Card Conditions of Use, see Details.

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).

Balance transfer terms and conditions

• Balance needs to be $200 or more and transferred from non Westpac credit , charge or store cards.
• The special rate of 3.99% 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 Consumer Credit Card 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.

For more information, including the Consumer Credit Cards Conditions of Use, see Details.

Special promotion when you apply between 2 April - 1 July 2013: 0% p.a.  on purchases for up to 6 months from card approval on a new Low Rate Visa or Low Rate MasterCard®
This special rate applies to credit purchases made 6 months from the date we approve your new card account. 6 months after this date (as specified in your credit card contract) the purchase rate will convert to the variable purchase rate then applicable to the card. The introductory purchase rate is not available with any promotion other than a special balance transfer rate available at credit card application.

Things you should know

For more information, including the Consumer Credit Card Conditions of Use, see Details

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.