Credit cards

Things you should know

• Consumer Credit Card - Conditions of Use (PDF 164kb)

• Special balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate credit card between 9 February 2015 and 19 April 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 16 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer . The variable cash advance rate currently 21.49% p.a. will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The variable cash advance interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  *Special purchase rate promotion terms and conditions: The introductory rate on purchases hs applies from card approval when you apply for a new credit card between 6 January 2015 and 19 April 2015. After the promotional period, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any other promotion unless specified . Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

  *More about the bonus points offer: The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  *Special annual fee promotion terms and conditions: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver. Offer available on new card applications when you apply between 6 January 2015 - 19 April 2015.

  Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

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