Westpac 55 Day Gold Visa / Mastercard

Westpac 55 Day Gold Visa/Mastercard

Do you want all the benefits of a gold card with a low annual fee and great balance transfer rate?

The Westpac 55 Day Gold Visa or MasterCard offers all the insurance and service benefits you’d expect of a gold card.  It has an annual fee of just $90 which will be waived entirely in the first year and in every subsequent year (as long as you spend $15,000 on your card.)

You’ll also benefit from a terrific balance transfer rate of just 1.99% for 9 months and a range of superb insurances.

Top Five Benefits:

• A range of complimentary insurance covers
• A low $90 annual fee (waived in the first year)
• Annual fee waived in subsequent years when you spend $15,000 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   $90 (waived in the first year)

Interest Rate   18.59% p.a. on purchases

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

Westpac 55 Day Gold Visa or MasterCard holders are protected by complimentary overseas travel insurance, purchase security insurance cover and extended warranty insurance.  All 55 Day Gold cardholders also have access to a Priority Service Line to manage their account quickly and easily.

This special rate is only available to customers who are applying for a new 55 Day Gold 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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