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Essentials

Everyday credit, without the annual fee (minimum spend applies).

Special offers
  • 0% p.a. for 16 months on balance transfers requested at card application
  • 1.00% p.a. on purchases for up to 12 months from card approval
  • $0 annual fee in the first year.

After the promotional period, the balance transfer and purchase rate switch to the applicable standard variable purchase rate. See 'Rates'. Special offers are for new cards only and are valid until 11th October 2016. See 'Things you should know' below.

$0 annual fee

$0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account.

Interest free days

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.

Fees
(these may change)
Amount
Annual fee Special promotion: $0 annual fee in the first year on a new card. Plus, $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account, currently saving you $30.
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:
  1. Transactions in foreign currency
    • Visa: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa: 3.0%
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
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 $9 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 $9 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.

For more fee information see the Consumer Credit Cards Conditions of Use (PDF 170KB)

Transaction Interest rates
Purchases 19.84% p.a. (variable)
Cash advances 21.29% p.a. (variable)

Special purchase rate promotion:

See 'Things you should know' below for terms and conditions.

1.00% p.a. on purchases for up to 12 months from card approval

Rate then switches to standard variable purchase rate.

Special balance transfer promotion:

See 'Things you should know' below for terms and conditions.

0% p.a. for 16 months on balance transfers requested at card application.
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, customers accessing employee benefits or packaged cards are ineligible.

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 fee promotion: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 7th July 2016 and 11th October 2016.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates 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 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). The variable purchase interest 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 1.00% p.a. on purchases is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard 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.

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

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