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We’ve set this to your minimum repayment amount*

Things you should know

Calculations provided are an estimate only. They do not include fees, charges or any promotional offers that may be applicable and assume that your monthly repayment amount is never overdue. Any additional transactions you make, including purchases or balance transfers, or interest rate changes that occur during the repayment period are not taken into consideration in the estimate provided.

*If your statement shows a closing balance, the minimum repayment will be 2% of the closing balance (rounded up to the nearest dollar) or $10, whichever is greater, plus the greater of any unpaid past due amounts from previous statements or any amount that exceeds your approved credit limit.

^This estimate does not include fees and charges that may apply to your credit card.

Credit criteria, fees and charges apply. Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate 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 applicable 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). Interest free days do not apply to credit cards with balance transfers. Cannot be used in conjunction with the Cashback promotion.

#A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.