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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 (including any promotional balance transfer amount) in full by the due date shown on your statement.


  • Complimentary insurance covers.

Variable interest rates

  • On purchases - 19.84% p.a.
  • On cash advances - 21.29% p.a.

Minimum credit limit

  • $5,000 minimum credit limit

Things you should know

For Credit Cards Conditions of Use and more see Details.


Complimentary insurance covers

A range of complimentary insurance covers come with your cards as set out in the Westpac Credit Cards Complimentary Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, cover includes:

  • Specified medical expenses incurred overseas
  • Up to $15,000 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 $5,000 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 meet the eligibility criteria, including pre-paid travel costs using your credit card.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a on plane, bus, train or ferry when you have purchased the tickets for the journey using your 55 Day Gold Mastercard before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to your 55 Day Gold Mastercard.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your 55 Day Gold Mastercard.

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

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.


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.
Duplicate statement fee $2.00 may be debited from your credit card account if you, or an additional cardholder, order 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.
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 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.

 For more information see the Consumer Credit Card Conditions of Use (PDF 258KB) .


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

For more information, including the Consumer Credit Card Conditions of Use.

Contact us

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

Things you should know

Complimentary insurance covers for Westpac issued cards: 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 (PDF 6MB).