However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. 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. Westpac credit card balance transfer, rates, rewards, bonuses, fees, etc. After 24 months any remaining balance transfer amount reverts to the variable cash advance rate**, T&Cs apply. Westpac does not guarantee this insurance. +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. 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. After 6 months the rate reverts to the variable cash advance rate. Note the act of applying affects your credit rating. 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. 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. We use cookies to secure and tailor your web use. By continuing to use this site we assume you're ok with our notice. for 6 months on balance transfers requested at card application^^. A joining fee may apply. 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. 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. Our notice explains how we use cookies and how you can manage them. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. Switches, upgrades or Westpac group staff are ineligible. Just keep your card handy - and your eyes peeled - for exciting discounts and offers on a daily, weekly or monthly basis. Cashback: New cards only. Concierge services are provided by a third party supplier. Interest rates and fees are current as at 21 January 2021 and are subject to change without notice. for 6 months on balance transfers requested at card application^^. Articles on how to use credit cards responsibly and strategically as part of a balanced budget. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. +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. for 24 months on balance transfers $200 cashback. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. And your Westpac debit or credit card now comes with in-store and online offers, as well as discounts with some great brands. 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. Cons: To get the lower purchase rate you forego some ‘extras’ like complimentary insurance or rewards points. Read the Apple Pay Terms and Conditions (PDF 1MB) before making a decision and consider if it is right for you. 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. Full details are available on request. **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. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. Conditions, visit altituderewards.com.au cardholder receives two complimentary visits in any 12-month,. 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