Westpac 55 Day Visa / Mastercard

Westpac 55 Day Visa/MasterCard

Do you want a great low fee card with a 0% purchase rate?

The Westpac 55 Day Visa or MasterCard offers all the convenience of Visa or MasterCard with a low annual fee of just $30.  Indeed, your annual fee will be waived entirely in the first year and in every subsequent year as long as you spend $10,000 on your card.

You’ll also benefit from up to 55 interest free days on purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month.  And, for the first five months, you’ll benefit from a 0% interest rate on your purchases.

Top Five Benefits:

• 0% on purchases for 5 months
• A low $30 annual fee (waived in the first year)
• Annual fee waived in subsequent years when you spend $10,000 or more on purchases in the previous year using your card
• 1.99% p.a. on balance transfers for 9 months
• Up to 55 days interest free on purchases

Card details

Annual Fee   $30 (waived in the first year)

Interest Rate   18.59% p.a. on purchases (0% on purchases for first 5 months)

Interest Free Period  up to 55 days

Application Criteria  N/A

Credit Card Type  MasterCard or Visa

Cash Advance Rate  20.49% p.a.

Rewards Program  N/A

Balance Transfer Rate  1.99 % p.a. on balance transfers for 9 months

As well as a rate which offers superb value on your purchases and balance transfers, you can benefit from the security of CardShield™.  Cardholders can also get extra security when they shop at participating online retailers by registering with MasterCard ® SecureCode™, or Verified by Visa ®, through Westpac Added Online Security service.

The introductory rate of 0% p.a. on purchases for the first 5 months is only applicable on credit purchases made using your 55 Day card within 5 months from the date your account is opened. After that 5 month period, the introductory purchase interest rate of 0% p.a. will switch to the standard purchase interest rate, (currently 18.59% p.a. and subject to change) then applicable to your product. The introductory rate is applicable to credit purchases only and excludes cash advances and balance transfers. Promotion is only available for a limited time and excludes customers who obtain a 55 Day card as part of a Westpac package; or who switch from an existing Westpac card. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.

This special balance transfer rate is only available to customers who are applying for a new 55 Day card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 18.59% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 9 months the balance transfer rate will switch back to your credit card’s standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.

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