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. for 18 months on balance transfers requested at card application>>. These may change or we may introduce new ones in the future. 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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. Pay no fees on foreign transactions. After the first year, the Annual $50 Qantas or Velocity Rewards fee applies and will be debited to your card account annually on the 12-month anniversary of the first transaction on your account and annually thereafter. These may change or we may introduce new ones in the future. ^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. Also you may want to consider special offers as well as tools (such as Westpac’s SmartPlan1) that could help with money management. These will be credited to your points balance within 12 weeks of meeting this spend criteria. It comes with up to 55 interest free days, plus a low annual fee of $59. Cashback: Westpac’s Spendback program converts 2,220 points for $10 credit on your credit card bill, meaning every $100 you spend gives you 45 cents of cashback. Westpac credit cards offer you the freedom and convenience of making everyday transactions you can repay later or purchasing that must-have item. $200 Cashback and 0% p.a. It’s different to a debit card in that the money you access is not yours, but borrowed. << Altitude Points Accelerated Earn: Available for Altitude Rewards cards only, excludes Westpac Altitude Qantas and Altitude Velocity cards. A balance transfer means moving the balance from one or multiple credit or store cards to one credit card making it easier to manage. Fees may apply. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. 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. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. Westpac’s low rate credit cards offer you everyday credit with our lowest interest rates on purchases. Plus, 0% p.a. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. Just keep your card handy - and your eyes peeled - for exciting discounts and offers on a daily, weekly or monthly basis. Minimum spend $3k applies##. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Our notice explains how we use cookies and how you can manage them. 1% balance transfer fee applies. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Qantas Club Complimentary Invitations must not be resold. Accelerated Earn partners are subject to change. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers. Full details are available on request. Compare Westpac’s Low Rate Cards – Westpac Lite Card or Westpac Low Rate Card. Use Westpac Live Online Banking or contact our 24/7 call centre to temporarily lock your card while you look for it, or permanently block your card and organise a replacement. 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. About Westpac Credit Cards. Westpac Low Rate Card. Concierge Services for Altitude Black. Browse our range of rewards here. At its simplest, a credit card is a card issued by a bank or similar institution (often called a ‘provider’) that gives you access to money with which you can use to make cashless payments. Some key factors to consider include purchase rate, cash rate (for drawing cash directly), annual card fee, and the number of interest-free days. Unfortunately, though, these offers are sometimes hard to find. Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. Read the Online Banking terms and conditions (PDF 277KB) available at westpac.com.au. 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, $200 cashback with $1k minimum spend+. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. So, you do need to pay that money back, along with any interest and other charges like an annual card fee. You can apply for a Westpac credit card online, via our call centre or in-branch. 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. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown. 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. Reduce the number of fees and interest you pay by combining several balances into one card. Cashback: New cards only. Balance Transfer Fee is 1% request at card application to transfer balance(s) upto 3 non-westpac creditcards. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. *Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. 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. T&Cs apply. This offer is available with a balance transfer promotion at card application. After 6 months the rate reverts to the variable cash advance rate. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. Conditions, fees and charges apply. Westpac Credit Card Offer. Pay no interest on purchases for up to 55 days when you pay off your balance in full each month. Members of this Emirates Islamic Credit Card can earn up to 10% cash back on dining, education, supermarket, and telecom spends. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantas.com/joinffwestpac. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. Not only can you get a huge welcome bonus and the best ongoing cashback/rewards rates, you’ll also get access to other offers such as Shop Small.. American Express (Amex) Platinum Cashback Credit Card – £125 bonus and up to 1.25% back If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. 0% p.a. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. for 24 months on balance transfers requested at card application**. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 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. Beyond that, different types of credit card include rewards, low rate and low-fee cards which have different features, benefits and costs. Pay no fees on foreign transactions. Westpac credit card balance transfer, rates, rewards, bonuses, fees, etc. 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. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. According to Westpac, there has been a shift in consumer appetite for bundled credit card products. They also charge interest on the money borrowed (though many credit cards offer interest-free days on new purchases when repayment conditions are met). Emirates Islamic Cashback Plus Credit Card. Everyday credit with no annual card fee in the first year. for 6 months on balance transfers requested at card application^^. 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. Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. Westpac credit cards can help keep you on top of your repayments with options like Card Autopay, SmartPlan1 and SMS payment reminders. The most common way of using a credit card is to make a cashless payment in person (e.g. Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas or Velocity Points>. >>>First year Qantas or Velocity Reward Fee waiver: A first year Annual $50 Qantas or Velocity Rewards fee waiver is available when you apply and are approved for a new Altitude Platinum card between 10th December 2020 and 31st March 2021. For many people, cash back offer credit cards are one of the most attractive card options on the market. 0% p.a. 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. Get on top of your credit card repayments with a, Balance transfer credit card & Balance transfer offers, 6 steps to help you pay off your credit card, Learn how to create a repayment plan using SmartPlan, boost your points earn with selected merchants. A joining fee may apply. 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. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. Articles on how to use credit cards responsibly and strategically as part of a balanced budget. The bonus Altitude Points, Velocity Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. 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). If you use a Westpac credit card which has an outstanding balance transfer, balance transfer terms & conditions apply. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. 6. 4. Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations available at virginaustralia.com/au/en/experience/at-the-airport/lounge/# locations and entry are subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia lounge Terms and Conditions, available at experience. This information does not take your personal objectives, circumstances or needs into account. 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. See our Apple Pay FAQs for more information. Looking at the money-saving options first, if you want to try and save on your next credit card, take a look at the Westpac Low Rate card, offering a great low ongoing purchase rate. The slower you repay a credit card the more interest you'll pay, so always aim to pay off as much as possible. Compare credit card options for temporary residents in Australia, ... Get $300 cashback when you spend at least $900 in the first 90 days. 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 thing is I used the card the day I got it to make a online purchase with PayPal for $1100 and a day later I closed the credit card. 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. We use cookies to secure and tailor your web use. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. 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. Want to know more? Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Concierge services are provided by a third party supplier. ongoing variable purchase rate, No annual card fee (minimum spend applies)*. This information does not take your personal objectives, circumstances or needs into account. Subject to the Priority Pass Conditions Of Use. All payments made to your credit card account will be applied first to any SmartPlan instalments. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. Our notice explains how we use cookies and how you can manage them. 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. +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. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. After 24 months any remaining balance transfer amount reverts to the variable cash advance rate**, T&Cs apply. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. 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. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Note there’s also a separate ‘cash advance rate’ (e.g. You will receive an initial 90,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. For more information on the Altitude Rewards program, visit altituderewards.com.au. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction. Today major bank Westpac and credit card giant American Express have officially cut ties. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. **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. To get a credit card you usually apply with a bank, although other institutions offer them too. Everyday credit, with no annual card fee, ever (minimum spend applies)*. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. A credit card works by allowing you to make cashless payments. Activating your card triggers the processing of the balance transfer. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Lending criteria apply to approval of credit products. 1% balance transfer fee applies. 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. Everyday credit with our lowest interest rates on purchases. You need to register for Online Banking before you can set up a SmartPlan. All payments made to your credit card account will be applied first to any SmartPlan instalments. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. No balance transfer fee. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. During the SmartPlan is created earn rewards Points registered trademark, and the Terms and visit... 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