Westpac 55 Day Gold Credit Card - Apply Online

	Key Features:
	3.99% p.a. on balance transfers for up to 6 months1 $0 annual fee in your first year2 (saving you $90) An ongoing annual fee waiver – every year you spend at least $15,000 p.a. on your card, we’ll waive the annual fee the following year. Up to 55 days interest free on purchases3 if you pay off your balance in full by the due date each month. Complimentary Overseas Travel Insurance4 Complimentary Purchase Security Insurance4 19.34% p.a. (variable) on purchases 21.24% p.a. (variable) on cash advances Global acceptance – choose between a MasterCard® or a Visa® card

* Information is current as at 13 May 2010. Credit card applications are subject to Westpac’s normal lending criteria. Fees and charges are payable. Please read the Terms and conditions, these may be varied or new terms and conditions introduced in the future. An additional card can be issued on the primary cardholder’s credit card account to any nominated person over the age of 16 years. The standard interest rate on purchases for the 55 Day Gold card is 19.34% p.a. (variable) and the cash advance rate is 21.24% p.a. (variable). Approval is subject to Westpac’s normal lending criteria.
1. This promotional rate is available to customers who are applying for a 55 Day Gold card and wish to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application, where the card application is received by 10 March 2010. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 19.09% 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.
2. Annual card fee is subject to change.
3. On credit purchases only, where the closing balance (including any balance transfer amount or any other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.)
4. Insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSLL232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each policy. The benefits of the insurance from Zurich are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. The cardholder is under no obligation to accept the benefits of the cover and cover is subject to the terms and conditions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must have paid for a particular item using the card (for example, for Complimentary Overseas Travel Insurance cover, the return overseas travel ticket must have been purchased using your 55 Day Gold card prior to leaving Australia) or where the cover applies to a particular item, purchased that item using the card. No Westpac Group company has any liability in connection with the insurance policies. Read the Gold Card Insurance Conditions of Use for full policy wording.
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