Westpac 55 Day Credit Card - Apply Online

	Key Features:
	3.99% p.a. for up to 6 months on balance transfers2 0% p.a. on purchases for the first 5 months from when your account is opened 1 Low annual fee: $30 (waived for 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 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 3 Interest rates (variable): 19.34% p.a. on purchases; 21.24% p.a. on cash advances Paperless eStatements available

1.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 19.34% 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.
2.This special 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 19.34% 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 6 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.
3.Interest on cash advances is calculated from the date the transaction is debited to your card account.
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