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Westpac 55 Day Platinum (0% p.a. for 20 months
on balance transfers requested at card application (2% BT fee applies#). Rate then switches to applicable variable cash advance rate currently at 21.29%p.a.+ Smart Plan)

Westpac 55 Day Platinum (0% p.a. for 20 months
on balance transfers requested at card application (2% BT fee applies#). Rate then switches to applicable variable cash advance rate currently at 21.29%p.a.+ Smart Plan)

Purchase Rate
19.84 %
p.a.




Cash Advance Rate 21.29% p.a.
Interest Free Up to 55 days
Annual Fee$90
Balance Transfer Rate 0% p.a.for first 20 months

  • 0%p.a. for 20 months for Balance Transfers at a new card application. Rate then switches to cash advance rate currently at 21.29%p.a. Plus 2% BT fee applies.
  • $0 annual card fee for all customers in the first year and in subsequent years when you spend $10,000 or more on purchases in each 12 months from the date of the first transaction on your account.
  • Offer ends 31 January 2018.
  • Up to 55 days interest free on purchases when you pay the closing balance in full by the due date shown on your statement.
  • Extended complimentary insurance.
  • Complimentary platinum concierge service.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $90 Minimum Repayment Greater of 2% or $10
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $15
Supplementary Card Fee $0    
Duplicate Statement Fee $7.50 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15 Overseas Emergency Card Replacement Fee $0

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Credit criteria, fees and charges apply. Read the terms and conditions available for download above before making a decision. Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. 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. The promotional rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. We 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. $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account. SmartPlan Disclaimer: SmartPlan requires monthly payments to be made for the term calculated and at the applicable interest rate when the SmartPlan is entered into. All payments made to your account will be applied first to any SmartPlan instalments. Therefore debts accruing a higher interest rate maybe left unpaid during the SmartPlan term. Your balance transfer must have a maximum of 36 months and a remaining term of at least 3 months to be eligible for a SmartPlan. See SmartPlan for more details. Mobile Banking: Internet connection is required when using Westpac Mobile Banking. Normal data charges apply. Before using Westpac Mobile Banking, you should read the Westpac Online Banking Terms and Conditions available at request. There are no additional charges for accessing your Westpac accounts using your mobile, however your account and Online Banking fees and charges still apply. The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers. 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 859 100 or download it from westpac.com.au © 2017 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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