Low Annual Fee credit cards
55 Day credit card
Everyday credit, without the annual card fee (minimum spend applies).
Special offers
$0 annual card fee for all customers in the first year and in subsequent years if minimum spend criteria are met.*
And either
$200 cashback to your account when you spend $400 within 90 days from card approval.
Or
0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies#).
After the promotional period, the balance transfer rate switches to the applicable variable purchase rate.
55 Day Platinum credit card
Platinum extras and no annual card fee (minimum spend applies).
Special offers
$0 annual card fee for all customers in the first year and in subsequent years if minimum spend criteria are met.*
And either
$200 cashback to your account when you spend $400 within 90 days from card approval.
Or
0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies#).
All the benefits and purchase rate equal to our 55 Day credit card, plus:
- Platinum Concierge Service
- Extended complimentary insurance cover.
After the promotional period, the balance transfer rate switches to the applicable variable purchase rate.
More to help you choose
Existing customers
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) (for claim events prior to 1 October 2017)
Westpac Credit Cards Complimentary Insurance Policy (PDF 293KB) (Effective 1 October 2017)
55 Day Platinum Concierge Service Terms and Conditions (PDF 1MB)
Credit criteria, fees and charges apply. Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
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.
*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.
Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and request at card 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 the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable purchase rate 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). Interest free days do not apply to credit cards with balance transfers. Cannot be used in conjunction with the Cashback promotion.
#A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.
Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. Only one cashback will be paid per customer. $200 cashback will be paid as a statement credit to your Low Rate, 55 Day or 55 Day Platinum credit card account within 60 days of meeting minimum spend criteria. Existing Westpac customers who currently hold a Low Rate, 55 Day or 55 Day Platinum credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with the Balance Transfer promotion.
Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.
Complimentary insurance covers (effective 1 October 2017): AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Westpac Credit Cards Complimentary Insurance Policy (effective 1 October 2017).