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Update

Our Singapore Airlines Westpac credit card is no longer available. See our full range of available credit cards.

Essentials

KrisFlyer miles earned per $1 spent on purchases by existing Singapore Airlines Westpac Gold card holders

  • 1 KrisFlyer mile - Singapore Airlines Westpac Gold American Express® Card
  • 0.5 KrisFlyer miles - Singapore Airlines Westpac Gold Visa
  • Earn double the usual KrisFlyer miles for every $1 spent on flights and upgrades on singaporeair.com.

Insurance

  • Complimentary insurance cover.

Variable interest rates

  • On purchases - 19.74% p.a.
  • On cash advances - 20.49% p.a.

Interest free days and more

  • Up to 45 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
  • Annual fee currently $125
  • Minimum card limit $5,000.

Things you should know

Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 436KB)

Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 116KB)

Earning KrisFlyer miles on Singapore Airlines Westpac Gold cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Gold Credit Cards Conditions of Use.

You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. KrisFlyer miles are not earned on balance transfers or cash advances.

Rewards

Earn bonus KrisFlyer miles

  • Receive 5,000 KrisFlyer miles after your first purchase using either of your cards
  • Earn double the usual KrisFlyer miles when you use either of your Singapore Airlines Westpac Gold credit cards to purchase flights or upgrades in Australian dollars from singaporeair.com.

Redeem for flights

Redeem your KrisFlyer miles for flights on Singapore Airlines and more than 20 airline partners.

For more details on the Singapore Airlines KrisFlyer programme visit singaporeair.com/krisflyer

Earning KrisFlyer miles on Singapore Airlines Westpac Gold cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Gold Credit Cards Conditions of Use.

You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. See Details. KrisFlyer miles are not earned on balance transfers or cash advances.

Features

Complimentary insurance

A range of complimentary insurance covers come with your card 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 when riding in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Singapore Airlines Westpac Gold credit cards 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 the credit card account.

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 Singapore Airlines Westpac Gold credit cards.

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
  • Purchases made by an additional cardholder earn KrisFlyer miles for the account holder only.

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:

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.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury or disease.

Fees

Fees (these may change) Amount
Annual fee $125
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%
  • American Express®: 3.5%

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

  • Visa: 3.0%
  • American Express®: 0.0%

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/Withdrawal 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 $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, 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.

For more fee information see the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 436KB).

Rates

Transaction Interest rates
Purchases 19.74% p.a. (variable)
Cash advances 20.49% p.a. (variable)

Contact us

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

Things you should know

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

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.