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55 Day Gold Mastercard (no longer for sale)


Our 55 Day Gold Mastercard® is no longer available.  See our full range of available credit cards.


Annual fee and interest free days

  • $0 annual fee in the first year (currently saving $90)
  • $0 annual fee in subsequent years when you spend $15,000 or more on purchases in the previous year using your card
  • Up to 55 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement.


  • Complimentary insurance covers. 4

Variable interest rates

  • On purchases - 20.09% p.a.
  • On cash advances - 21.49% p.a.

Minimum credit limit

  • $5,000 minimum credit limit

Things you should know

For Credit Card Terms and Conditions and more see Details.


Complimentary insurance4

A range of complimentary insurance4 covers come with your card as set out in the Westpac Credit Cards Complimentary Insurance Policy. Please refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for detailed information including eligibility criteria and terms, conditions, limits and exclusions that apply.

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card.

Interest free days

Up to 55 interest free days on purchases when you pay your closing balance (including any promotional amount) in full by the statement due date each month.

Annual fee

  • $0 annual fee in the first year (currently saving $90)
  • Annual card fee waived in subsequent years when you spend $15,000 or more on purchases in the previous year using your 55 Day Gold Mastercard.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

  • Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
  • Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
  • To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

Cardshield helps defend against fraudulent activity:

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Things you should know

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders. 

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit or call us on 1300 369 989.

Credit Card Repayment Protection is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319 (previously known as Westpac General Insurance Limited) (AAGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (issuer of the death cover). AAGIL is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement. To obtain a copy please call 1300 369 989


Fees (these may change) Amount
Annual fee $90. Waived for the first year. Fee waived in subsequent years when you spend $15,000 or more on purchases in the previous year using your credit card.
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 and Mastercard®: 3.0%

2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:

  • Visa and Mastercard®: 3.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

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.  Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment charge $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.
Balance transfer fee  A balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day Gold card account on the same day these balance(s) are debited to the account.
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 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.
 For more information see the Credit Card Terms and Conditions (PDF 240KB)


Transaction Interest Rates
Purchases 20.09% p.a. (variable)
Cash advances 21.49% p.a. (variable)
For more information, including the Credit Card Terms and Conditions, see

Credit Card Terms and Conditions (PDF 240KB)

Contact us

Please feel free to contact us anytime on 1300 367 228.

Things you should know

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, 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) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.