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Student Visa Card (no longer for sale)

Latest Information

Looking to apply for a new Student Visa Card?

Our Student Visa Card is no longer available. See our full range of available credit cards.

Student Visa Card holders

If you currently have a Student Visa Card nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.


Annual card fee and interest free days

  • $0 card fee in the first year, $30 in subsequent years
  • Up to 55 days interest free on purchases when you pay the closing balance by the statement due date each month
  • The purchase rate 13.49% p.a. cash advance rate (21.49%) and annual card fee ($30).


Fees (these may change) Amount
Annual card fee $30, waived in your first year
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
    • 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • 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 advance fee

An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee A charge of $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 Fee will be debited to your account.
Overlimit 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.
Non-Westpac Group ATM fee
A balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day card account on the same day these balance(s) are debited to the account.
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.

 Read our tips to minimise fees.


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.

Credit Card Repayment Protection is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319 (AAGIL) (issuer of the unfit for work and job loss covers) 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 or policy wording. To obtain a copy please call 1300 369 989.

Contact us

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