55 Day Platinum
Platinum extras with no annual card fee (minimum spend applies).
- $0 annual card fee for all customers in the first year and in subsequent years when you spend $10,000 or more on purchases in each 12 months from the date of the first transaction on your account.*
0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.1
Enjoy a range of complimentary Platinum benefits, including:
- Overseas travel insurance
- Extended warranty insurance
- Complimentary platinum concierge service
(these may change)
|Annual card fee||Special promotion: $0 annual card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $10,000 or more on purchases in each 12 months from the date of the first transaction on your account, currently saving you $90.*|
|Foreign transaction fee||A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
|Cash advances/withdrawals fee||
An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.
Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.
These charges will appear on your credit card statement directly below the relevant cash advance.
|Missed payment charge||A charge of $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.|
|Over-limit fee||If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.|
|Duplicate statement fee||$7.50 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.|
|Non-Westpac Group ATM fee||Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.|
|Credit card surcharge||In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.|
24/7 personal concierge services
Dedicated Westpac Concierge services on-call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.
Extended complimentary insurances
Overseas travel insurance
For overseas trips up to 6 months, cover includes:
- Specified medical expenses incurred overseas
- Unexpected cancellation of travel arrangements
- Up to $20,000 per person cover for loss or damage to personal property
- Up to $550 per person for loss or damage to travel documents
- Limit of $2.5 million of personal liability cover
- Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.
You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card.
Transit accident insurance
Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your 55 Day Platinum card before you leave.
Purchase security insurance
4 months cover against loss, theft or accidental damage for a range of new items purchased in Australia and overseas provided the item is purchased using your 55 Day Platinum card.
Extended warranty insurance
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of new personal items purchased using your 55 Day Platinum card.
Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.
More reasons to choose a Westpac credit card
When you combine your Westpac rewards credit card with our online banking experience you can:
- Help pay down your credit card balance with SmartPlan
- See your rewards points and card balance at a glance with Quick Balance
- Login quickly and securely using fingerprint login
- Leave your card at home and tap and pay with a Mobile Wallet
- Make automatic credit card repayments easy, with Card Autopay
- Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds.
Things you should know
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 or customers accessing employee benefits are ineligible. Offer may be withdrawn or extended at any time.
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 1st February 2018 and 11th June 2018 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: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 1st February 2018 and 11th June 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. 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. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. We 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.
Complimentary insurance covers: 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 is the credit provider and credit licensee under National Consumer Credit Laws.
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