$0 annual card fee in the first year
Start with the 55 Day Platinum credit card, finish on top.
Free up more for yourself, with $0 annual card fee for the first year and your choice of 0%
balance transfer for 18 months or $200 cashback.
Offer ends 26th October 2017. New cards only.
Your choice of promotion
All special offers are for new cards only and are valid until 26th October 2017. See ‘Things you should know’ below.
0% p.a. for 18 months
on balance transfers requested at card application (2% balance transfer fee applies#)
to your account when you spend $400 within 90 days from card approval.
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.
- Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) in full by the due date shown on your statement.
Enjoy a range of complimentary Platinum benefits, including:
- Overseas travel insurance
- Extended warranty insurance
- Complimentary platinum concierge service
Here's why you'd choose our 55 Day Platinum card.
Up to 55 days interest free.
Enjoy 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.
Complimentary insurance cover.
This includes Overseas Travel Insurance, Extended Warranty Insurance and Purchase Security Insurance, as set out in your policy.
Concierge service and app.
Have your own personal assistants at hand 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event.
Frequently asked questions
As a current Westpac cardholder, you automatically become eligible for complimentary Overseas Travel Insurance cover – as long as you meet the following criteria:
- You're a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
- You spend at least $A500 on your travel costs before you leave Australia using one of your Altitude Black or Platinum cards. This could include return travel tickets, airport or departure taxes, overseas accommodation etc.
- You have a return overseas travel ticket before leaving Australia.
- You're not over 80 years of age when you first become eligible for this cover, by meeting the above conditions.
For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.
When you make your monthly repayments, we allocate it to the balance incurring the highest interest rate; firstly, cash advances, then purchases and finally to your balance transfer amount. For full details on how we allocate your credit card payments, please see the Credit Card Terms and Conditions.
Things you should know
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.
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.
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 (effective 1 October 2017).
Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day, 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.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
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