Rates and fees information correct as of March 1st 2017.
Benefits & Features of the Westpac 55 Day Credit Card
Essentials for the Westpac 55 Day Credit Card
Everyday credit, without the annual fee (minimum spend applies).
$0 annual fee
✓ $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account.
Interest free days
✓ Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) in full by the due date shown on your statement.
Features for the Westpac 55 Day Credit Card
Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.
More reasons to choose a Westpac credit card
When you combine your Westpac rewards credit card with our online banking experience you can:
✓ See your rewards points and card balance at a glance with Quick Balance
✓ Login quickly and securely using fingerprint login
✓ Leave your card at home and tap and pay using an eligible Samsung device
✓ Make automatic credit card repayments easy, with Card Autopay
✓ Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds.
❍ Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
❍ Feel secure, with our Fraud Money Back Guarantee
❍ Enjoy the convenience of tap and pay, with the security of a microchip.
Rates and Fees:
Purchase Interest Rate
Cash Advance Rate
Balance Transfer Fee
There is no balance transfer fee.
2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
Late Payment Fee
Balance Transfer Offers 0% for 12 months
with a revert rate of 19.84% p.a.
Introductory Purchase Rate Offers 0% for 6 months with a revert rate of 19.84% p.a.
Other Special Offers $0 annual fee for the first year (n/a)
Balance Transfer Offers
0% for 12 months with a revert rate of 19.84% p.a.
Introductory Purchase Rate Offers
0% for 6 months with a revert rate of 19.84% p.a.
Other Special Offers
$0 annual fee for the first year (n/a)
Max Interest Free Days
Currency Conversion Fee
OS ATM Charges
$2.5 or 2% the higher of
Est ATM Cost
$15.00 for AU$300 withdrawal
Minimum Credit Limit
Maximum Credit Limit
Security & Protection
Cardshield™ helps defend against fraudulent activity. Increased credit card security where your card comes with an embedded microchip. Extra security when you shop at participating online retailers with Verified by Visa, through the Westpac Added Online Security service. Falcon® Fraud Protection, 24/7.
The Westpac 55 Day Credit Card has the 62nd highest interest rate of 19.84% (1 other has the same) and the 68th highest cash advance rate at 21.29% (1 other has the same) compared to 171 other credit cards. 37 cards have a lower annual fee than $30 (5 have the same) and 53 have a lower or the same late payment fee of $9.
From Westpac site:
A straightforward credit card with no annual fee in the first year.
Download Key Facts Sheet* ⇣Go to Site ⇢
* Key fact sheet is link from Westpac website. (WEBSITE LINK)Apply Online ⇢ Compare Credit Card