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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 0% p.a. for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then switches to applicable variable cash advance rate.#

Offer ends 31st January 2018. New cards only.

Essentials

Platinum extras with no annual card fee (minimum spend applies).

Features

  • $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.

Platinum extras

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.

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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:

  1. You're a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
  2. 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.
  3. You have a return overseas travel ticket before leaving Australia.
  4. 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.

Westpac Credit Cards Complimentary Insurance Policy (PDF 297kb)

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. 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 27th October 2017 and 31st January 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 27th October 2017 and 31st January 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 95% 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: 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).

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

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