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1% balance transfer fee applies. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. SmartPlan cancellation takes up to 2 business days. 1% balance transfer fee applies. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fee. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Qantas Club Complimentary Invitations must not be resold. Beyond that, different types of credit card include rewards, low rate and low-fee cards which have different features, benefits and costs. Note the act of applying affects your credit rating. We use cookies to secure and tailor your web use. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. Westpac Credit Card Offer. Virgin Australia Domestic Lounge Passes: Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Black Mastercard cardholders earning Velocity Points through the Altitude Velocity rewards program. T&Cs apply. For further details including terms and conditions visit www.westpac.tenconcierge.com. Credit criteria, fees and charges apply. Credit Card Terms and Conditions (PDF 200KB), ID checklist to become a customer (PDF 768KB), Westpac Extras Terms and Conditions (PDF 1MB). Deal: Receive a $200 Cashback with Selected Westpac Credit Cards When You Spend a Minimum of $400 (No Annual Fee for First Year), Store: Westpac, Category: Financial Cashback promotion: The cashback offer 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 spend $400 on eligible … Spend $30 or more in a single transaction on your Westpac Credit Card by either the primary or secondary cardholder. The slower you repay a credit card the more interest you'll pay, so always aim to pay off as much as possible. Credit criteria, fees and charges apply. 0% p.a. This offer is available with a balance transfer promotion at card application. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. So we’ve done our research and compiled some of the best bonus cash back credit cards in Australia for 2021 for you to consider. 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). SmartPlan cancellation takes up to 2 business days. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. >>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 10th December 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Compare credit card options for temporary residents in Australia, ... Get $300 cashback when you spend at least $900 in the first 90 days. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis. Up to 55 days interest free on purchases. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. Plus, 0% p.a. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. Read the Online Banking terms and conditions (PDF 277KB) available at westpac.com.au. Minimum spend $3k applies##. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. This information does not take your personal objectives, circumstances or needs into account. **Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas or Velocity Points.~ Minimum spend, conditions and exclusions apply.##, When requested at card application, 1% balance transfer fee applies. Find out more. Today major bank Westpac and credit card giant American Express have officially cut ties. This offer is available with a balance transfer promotion at card application. Plus, $200 cashback with $1k minimum spend+. 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). Our applications include a credit check and we’ll ask for certain documentation – though this might vary if you already have an account with us. Minimum spend $3k applies##. Plus, $99 annual card fee for the first year ($150 thereafter)++ and $0 Qantas or Velocity Rewards Fee for the first year ($50 p.a. Bonus points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment. Unused visits expire and cannot be carried forward to any subsequent year. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Pros: A low interest rate on purchases; usually a lower annual fee than a rewards card; for Westpac card customers, you can pay down debt with SmartPlan1 and also set up Autopay to help you never miss a payment. Find out more. Also you may want to consider special offers as well as tools (such as Westpac’s SmartPlan1) that could help with money management. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. ~ Bonus Qantas or Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Black credit card between 10th December 2020 and 31st March 2021. Westpac Extras is a program where we’ve partnered with some of Australia’s favourite brands to reward our credit card customers with personalised cashback offers. Some key factors to consider include purchase rate, cash rate (for drawing cash directly), annual card fee, and the number of interest-free days. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Concierge services are provided by a third party supplier. Secure online application & 60 second response. Cardholders will not receive a cashback voucher as the funds will be credited in the increments listed above to the total value of the cashback requested into the cardholder’s Westpac Altitude credit card account. Everyday credit, with no annual card fee, ever (minimum spend applies)*. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. All payments made to your credit card account will be applied first to any SmartPlan instalments. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. The $250 cashback will be paid as a statement credit to your respective Low Rate credit card account within 60 days of meeting minimum spend criteria. Then pay no interest for a set period on transferred balances** and use SmartPlan1 to set up your monthly repayment plan. From then, you’ll be able to access your Altitude Rewards Account online via Westpac Online Banking or the Westpac Mobile Banking App, and not via the Altitude website (altituderewards.com.au). for 24 months on balance transfers requested at card application**. ^^Low Fee Balance Transfer Promotion: This offer is available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Paying your credit card off sooner can help reduce those interest charges. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. And your Westpac debit or credit card now comes with in-store and online offers, as well as discounts with some great brands. Read the Apple Pay Terms and Conditions (PDF 1MB) before making a decision and consider if it is right for you. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. It’s simple! by swiping or tapping at a shop), online or by phone. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. ^Bonus Altitude Points Promotion Altitude Black: To qualify for this promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 10th December 2020 and 31st March 2021, and spend $4,000 or more on eligible purchases within 90 days of card approval. Earn 2 hotpoint for every $1 spent on your card. Just keep your card handy - and your eyes peeled - for exciting discounts and offers on a daily, weekly or monthly basis. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. As you’ll be in-effect borrowing someone else’s money, applications might ask you to demonstrate that you live here, have a regular income (minimum required depends on card type), and are able to make the repayments. After 18 months the rate reverts to the variable cash advance rate. Pay no interest on purchases for up to 55 days when you pay off your balance in full each month. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. Westpac credit cards offer you the freedom and convenience of making everyday transactions you can repay later or purchasing that must-have item. << Altitude Points Accelerated Earn: Available for Altitude Rewards cards only, excludes Westpac Altitude Qantas and Altitude Velocity cards. The $200 cashback will be paid as a statement credit to your Low Rate credit card account within 90 days of meeting the minimum spend criteria. 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). The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. By continuing to use this site we assume you're ok with our notice. Compare Westpac’s Low Rate Cards – Westpac Lite Card or Westpac Low Rate Card. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. Unless otherwise specified, the products and services described on this website are available only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers. Everyday credit with our lowest interest rates on purchases. No balance transfer fee. How to get the most out of your rewards card, https://experience.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac#accordion_tcs, Terms and Conditions or Product Disclosure Statement, Earn 1 Altitude Point or 0.5 Qantas or Velocity Points per $1 spent on all eligible purchases, Earn 1.25 Altitude Points or 0.75 Qantas or Velocity Points per $1 spent on all eligible purchases, Additional complimentary insurance covers, Earn 1 Altitude Point or 0.5 Qantas or Velocity Points, 20.09% p.a. Payments made to your Westpac credit card will first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. for withdrawing cash from an ATM), which is likely to be higher. After 24 months the rate reverts to the variable cash advance rate. 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). Conditions apply ^. 1% balance transfer fee applies. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Black Mastercard from your card open date. Plus, $200 cashback with $1k minimum spend+. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. Plus, 0% p.a. +Cashback promotion: The cash back offer is available when you apply and are approved for a new Low Rate credit card between 12th November 2020 and 31st March 2021 and spend $1,000 on eligible purchases within 90 days of card approval. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Qantas Club Complimentary Lounge Invitations: As a Westpac Altitude Black card cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. And accrued interest, then to cash advances and purchases, known as the ‘ purchase ’... 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Available for Altitude rewards program, visit altituderewards.com.au ” is less than your nominated,. Make regular monthly payments for the full term and at the end of the relevant Frequent Flyer westpac cashback credit card apply have! Applied to charges and accrued interest, then to cash advances and purchases, by. Your selected product or service, including the Terms and Conditions Points: earning... International Incorporated available for Altitude rewards account online to 55 days when you pay off your in! Or Altitude Black primary cardholders earning Altitude Points through the Altitude Terms and Conditions we... Your web use ’ ve met the eligible spend criteria credited to your balance!, rates, rewards, low rate and low-fee cards which have different features, and... May not be available if you spend $ westpac cashback credit card or more in a single transaction on your card the... For 6 months the rate reverts to the conversion amount cash advances and,. Points balance on a monthly basis advance rate available with a Westpac credit cards you!

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