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 in the first year on a new card
0% p.a. on purchases for up to 6 months from card approval
- $0 annual card fee in subsequent years if minimum spend criteria are met
- Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) by the statement due date each month
- Variable purchase rate of 19.84% p.a.
After the promotional period, the balance transfer rate switches to the applicable standard variable purchase rate.
55 Day Platinum credit card
Platinum extras and no annual card fee (minimum spend applies).
Special offers
$0 annual card fee in the first year on a new card
0% p.a. on purchases for up to 6 months from card approval
- $0 annual card fee in subsequent years if minimum spend criteria are met
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 standard variable purchase rate.
More to help you choose
Existing customers
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)
55 Day Platinum Concierge Service Terms and Conditions (PDF 1MB)
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or existing packaged cards are ineligible.
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 21st April 2017 and 28th June 2017 and 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 Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017 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 12 months, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.
Purchase rate promotion: The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017. After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
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.