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What if I don’t make 5 or more eligible purchases on my Westpac Choice debit card?

You'll still earn the 0.20% p.a. variable base rate and if you grow your savings in your Westpac Life account, you'll earn the 0.20% p.a. variable bonus rate on top of that.

However, if you don't make 5 or more eligible purchases by the end of the month, you won’t be eligible for the 2.60% p.a. Spend&Save variable bonus interest.

For more on eligible purchases, see the FAQ on What counts as an eligible purchase for Spend&Save?