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The Westpac Altitude Platinum Qantas Credit Card is a flexible rewards card with platinum benefits and 60,000 bonus Qantas points. I found Westpac has rigorous security and they block my card when I entered wrong password multiple times. These may change or we may introduce new ones in the future. Transfer your existing balance for a low-interest rate, and pay no transaction fees when you use participating ATMs … In some instances, businesses may administer a ‘surcharge’ for credit card payments. *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. Credit Cards. Transit accident insurance cover against specified accidental death or injury when sustained while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Low Fee Platinum card before you leave. Some overseas banks may charge an extra fee for a cash advance. With no frills but tonnes of value, the Westpac Low Rate card is suited to budget-conscious spenders. The Westpac Altitude Platinum Credit Card is suited for point hunters looking for a credit card with a modest reward program and a low annual fee as well. Save with 0% interest on purchases for the first 15 months and a $0 annual fee for the first year. Annual account fee. The Westpac Low Rate credit card could be the option for you! The Westpac Low Rate credit card could be the option for you! See our Apple Pay FAQs for more information. 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 … Apply now ... Other charges may apply to some of the transactions and services mentioned –Find out more on our Credit Card fees and rates pages. The Westpac Altitude Platinum Qantas Credit Card is a flexible rewards card with platinum benefits and 60,000 bonus Qantas points. The following is a summary only of some of  the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply. hotpoints Platinum Mastercard - Fees: Fees on this page are current as at 5 January 2021 and are subject to change. It's good value card but has annual fees. Westpac Low Fee Platinum Credit Card. *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. More about this fee. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. These charges will appear on your statement directly below the relevant cash advance. Personal Loans. *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. If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. 12 months. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. We use cookies to secure and tailor your web use. Please note that we cannot process new credit applications while a COVID-19 relief package is applied to your account. Low Rate Mastercard - Fees: ... Airpoints Platinum Mastercard - Fees: Fees on this page are current as at 4 January 2021 and are subject to change. Westpac Extras includes great shopping cashback offers that work on top of any other discounts. Follow these tips to minimise credit card fees and charges. If not, log in to internet banking to update them. SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.1, Turn any of your outstanding purchase, cash advance or promotional plan (e.g. If the “closing balance” is less than your nominated amount, only the “closing balance” will be paid. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan), Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into a Westpac bank account), All your regular monthly expenses (including school fees, insurance, bills etc. Browse our cards below and apply online today. See the Best Credit Cards in 2020 as rated by Australians on ProductReview.com.au. The Westpac hotpoints Platinum Mastercard is a no-frills platinum credit card that offers the ability to earn hotpoints from everyday spend, with no earnings cap. I believe they're severing ties for all consumer Visa cards, meaning you'll probably get converted eventually too. Switches, upgrades or Westpac group staff are ineligible. However, with a relatively higher cash advance rates and purchase interest rates, it is better you avoid the cash withdrawals and clear your due balances every month. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. $59.00 p.a. Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device. When you use your Westpac Low Rate Mastercard at an ATM in the Global ATM Alliance, you won’t pay the normal $2 transaction fee. Apply for a new Westpac Low Fee credit card online by 31 March 2021 and you can shop interest-free for the first 15 months from card approval. You need to register for Online Banking before you can set up a SmartPlan. $0 annual card fee in the first year on a new card. ... $99 p.a. If not, log in to internet banking to update them. Large purchase SmartPlans are currently available at a lower interest rate.1. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Looking to make the switch to a credit card with a low rate, minimal fees and hot offers? This information does not take your personal objectives, circumstances or needs into account. We have a range of security measures in place to ensure that your account is protected, including online. Again, checking against your credit report can help here. Our notice explains how we use cookies and how you can manage them. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. grab a joint or additional card for only $25 a year. Shop and travel with confidence with complimentary cover for overseas travel, extended warranty, purchase security transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB). Withdraw cash at a variable rate of 21.49% p.a. Credit Card Terms and Conditions (PDF 200KB), ID checklist to become a customer (PDF 768KB), Westpac Extras Terms and Conditions (PDF 1MB). p.a. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. Apply as an existing customer in the application form, which includes logging in to your account. Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments. Save with a $0 first year annual fee and enjoy platinum perks including complimentary travel insurance. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. 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 terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) which may be amended from time to time. #Purchase Rate Promotion: Available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021. If you wish to proceed with an application, you will first have to request a withdrawal from the package through Online Banking or call us on 132 032. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. reverts to 21.49% p.a. Pros. I'm actually curious why, given that MasterCard has a lower interchange for most categories of card (and for the issuer, it's beneficial for them to go for the maximum interchange card scheme) – although when … Customer Service. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan), Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into a Westpac bank account), All your regular monthly expenses (including school fees, insurance, bills etc. A low rate card offers cardholders the potential to save on interest when they carry a balance month to month. ongoing Highlights. Alongside, an AUD 15 fee also is charged if a payment is made past the due date. You’ve considered whether you need to keep any credit accounts you no longer use – e.g. Toggle navigation powering smart financial decisions. It's bit annoying to visit branch to unblock the card. *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. Mastercard Westpac American Express Altitude Black Rewards Credit Card. But that’s not all. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate then applicable to your card account. You’re an Australian citizen or have a permanent residency visa. If the card has a positive balance after the transaction: $2.50. Follow these tips to minimise credit card fees and charges, For starters, make sure you meet our eligibility basics, Double-check your application before pressing ‘Submit’, Terms and Conditions or Product Disclosure Statement. $0 annual card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account. 4. All payments made to your credit card account will be applied first to any SmartPlan instalments. As a big bank, Westpac is able to provide a wide range of credit cards, allowing those who need a credit card to find just the right card for them. Westpac Low Fee Platinum Credit Card. As Westpac’s mid-range Airpoints earning card, the Westpac Airpoints Platinum Mastercard sits somewhere between the bank’s entry-level Airpoints Mastercard and its black-level Airpoints World Mastercard in terms of both earn rate and extras. 4 months cover against loss, theft or accidental damage for a range of new personal items purchased in Australia and overseas using your Low Fee Platinum Card. What are the interest rates on this card? No BT fee. 20.09%. Annual Fee: For Westpac Altitude Platinum Mastercard, $150 for the first year ($199 p.a. You’ve considered whether you need to keep any credit accounts you no longer use – e.g. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) for further information). Purchase rate 20.09% p.a. A standard interest rate of 13.45% p.a. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Activating your card triggers the processing of the balance transfer. Reverts to 20.09% p.a. The Westpac Low Fee credit card gives you $0 annual fee in the first year, and no annual fee every year after when you spend $5,000 or more on purchases each year. on purchases, cash advances and balance transfers plus $0 annual fee. With a low 13.74% interest rate and a reasonable $59 annual fee, this card really stands out. This information does not take your personal objectives, circumstances or needs into account. $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. hotpoints Platinum Mastercard - Fees: ... 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. Usually, these are a percentage fee of your purchase amount. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them. Cash advance in NZ: using an ATM: Free per transaction: at other bank ATMs: Free per transaction: Westpac branch … No codes, no coupons, all-easy. ; and 3. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. for 24 months on balance transfers with a 1% balance transfer fee. The security of your card and information is extremely important to us. Westpac also provides a huge margin of credit limits to its clients, which range from as low as AUD 6,000 and as high as AUD 50,000. Fees may apply. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. Benefits of the Westpac Low Rate Mastercard. Other standard features include up to 55 days interest free on purchases and the convenience of Tap & goTM using your Mastercard®. But that’s not all. As well as being able to earn Airpoints Dollars for all eligible spend, you can take advantage of special Mastercard holder offers to use both at home and abroad. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annaul fee). It’s a good idea to view your own credit report and check your details are correct before starting your application. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Credit Cards. $150). When requested at card application. Koru membership provides a series of benefits including premium check-in, priority baggage and lounge access. This could include return travel tickets, airport or departure taxes, overseas accommodation etc. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. The Westpac hotpoints Mastercard rewards you for spending while keeping annual account fees low. Autopay: A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. Westpac Extras includes great shopping cashback offers that work on top of any other discounts. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. What are the interest rates on this card? for 18 months on balance transfers requested at card application. An interest rate of 20.95% p.a. The American Express Westpac Altitude Platinum Bundle ensures … Compare Westpac Low Fee Platinum and other Credit Cards products at RateCity, Australia's leading comparison site. Your balance transfer credit card details (if applying for a Balance Transfer). Let’s take a closer look at some of the key benefits of your Airpoints Mastercard. Airpoints Platinum Mastercard - Fees: Fees on this page are current as at 5 January 2021 and are subject to change. The best part about the Westpac Altitude Platinum Card is its basic annual fee which is as low as AUD 150. After 6 months any remaining balance transfer amount reverts to the variable cash advance rate. See Credit Card Terms and Conditions (PDF 200KB) for more details. Conditions, fees and charges apply. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is … To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying. Pay $0 annual fee in the first year - save $90 and get one free additional card holder. Purchase rate 20.09% p.a. 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. See our Apple Pay FAQs for more information. Westpac Low Rate Visa Credit Card; Westpac Altitude Platinum Credit Card; Westpac Altitude Black Credit Card; Westpac Altitude Credit Card; Westpac 55 Day Credit Card; View the above table for detailed product information and a comparison of the purchase rate, transfer rate, maximum free days and annual fees. 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. Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers. Westpac Credit Cards. A straightforward credit card with no annual card fee, ever (minimum spend applies)* and up to 55 days interest free on purchases. Features of the Westpac hotpoints Platinum Mastercard. Once logged in, double-check that your personal details (name, address etc) are up-to-date. Westpac Low Rate (Low Rate Credit Card): 3.6 out of 5 stars from 59 genuine reviews on Australia's largest opinion site ProductReview.com.au. Make purchases at an ongoing variable rate of 20.09% p.a. 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. See our full range of available credit cards. afterward). ME Bank frank offers a low interest rate of 11.99% p.a. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. Read the Online Banking terms and conditions (PDF 385KB) available at westpac.com.au. Read the Apple Pay Terms and Conditions (PDF 1MB) before making a decision and consider if it is right for you. In addition to the CardShield™ suite of security features, your Low Fee Platinum card also gives you the benefit of: • 1A range of complimentary insurance covers. All existing liabilities that are in your name (e.g. HSBC Platinum Credit Card – 0% Balance Transfer Offer 4 ... Westpac Low Fee Credit Card 5 reviews $0 annual fee first year ... $0 annual fee credit card. use your credit card to withdraw cash from overseas banks and ATMs displaying the Mastercard and Cirrus acceptance marks. 5. The Westpac Low Fee Platinum offers cost-saving features including a first-year annual fee waiver. No international transaction fee. Compare. Westpac Low Fee - Platinum Access Platinum features including travel and purchase insurance with Westpac’s Low Fee Platinum card. Westpac, like each of the other Big Four banks, has its own rewards program, offering a flexible option to credit card holders wanting to earn rewards … View Statistics. Ask a question. Withdraw cash at a variable rate of 21.49% p.a. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) for further information). App Store is a service mark of Apple Inc. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. You’re regularly meeting your repayment obligations for other credit card or loan accounts. More about this fee. Bear in mind, the rate then reverts to the 21.49% cash rate and there is a 1% balance transfer fee. **Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012. Medical and hospital expenses incurred overseas; Rental vehicle excess cover for loss or damage to rental vehicle; Unexpected cancellation of travel arrangements and other unexpected expenses, You’re an Australian citizen or have a permanent residency visa. Plus, get $200 cashback when you spend $1,000 on eligible purchases within 90 days of card approval. What do the complimentary insurances cover? If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. Pay no annual card fee in the first year (currently saving you $90) and in following years if you spend $10,000.*. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. Interest rate. Rates and … However, it now seems that consumers aren’t as willing to apply for a two-card package (which involves two separate credit checks, approvals and annual fees), so the days of the Altitude Bundles are soon to be over. 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 … Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.1. Balance Transfer Rate: 0% p.a. Late Payment Fee: $30. T&Cs apply. You can avoid paying an annual fee every year after, when you spend $10,000 or more on purchases each year. Find out more. Part of my plan this year has been to simplify my arrangements so I was happily keeping a Altitude Visa with $5k limit for monthly spending on various household expenditure, probably a monthly spend of $3k on credit and the rest moved to either cash or debit card. Westpac Low Fee Platinum Credit Card 14 reviews No annual fee the first year - save $90. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. No annual fee the first year - save $90. Premium complimentary insurances. Transparency. If you have any query, you can get it resolved on call or by visiting the head … To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying. 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. Simply use your card as normal and we'll credit your account. Saving Accounts. Otherwise card fee is $30 p.a.*. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. 1% balance transfer fee applies. If the card has a negative balance after the transaction: 2.0% or $2.50, whichever is higher (max. With a low 13.74% interest rate and a reasonable $59 annual fee, this card really stands out. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. How can I avoid paying the annual card fee for the Low Fee Platinum card? Make purchases at a variable rate of 20.09% p.a. Credit Card Suitable for: Cash Advance, Gambling Transactions Allowed, Low Fee, Low Rate, No Annual Fee Purchase Rate. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Consider its appropriateness to these factors before acting on it. Read the Online Banking terms and conditions (PDF 385KB) available at westpac.com.au. The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply. Purchase rate. To learn more about credit reporting in Australia visit www.westpac.com.au/ccr. Westpac Credit Cards. Balance transfer. How does a SmartPlan repayment plan work? Term … You’ll even be able to avoid an annual fee altogether after the first year if you spend more than $5,000 on purchases each year. Read Expert Review or Apply. Every time you apply for any form of credit, your credit history is checked by the credit provider. App Store is a service mark of Apple Inc. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. It’s a good idea to view your own credit report and check your details are correct before starting your application. ), Your frequent flyer number (if applying for a Rewards card). Westpac Low Fee Platinum (Credit Card): 3.5 out of 5 stars from 2 genuine reviews on Australia's largest opinion site ProductReview.com.au. We also have your back if something does go wrong. You spend at least $A500 on your prepaid travel costs (i.e. This is listed as an enquiry on your report. No annual fee the first year - save $90. Koru membership provides a series of benefits including premium check-in, priority baggage and lounge access. The Westpac Low Fee Platinum is a top card for anyone who pays off their balance in full each month. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) for further information). Fees may apply. See Credit Card Terms and Conditions (PDF 200KB) for more details. : store cards. Follow these tips to minimise credit card fees and charges, For starters, make sure you meet our eligibility basics, Double-check your application before pressing ‘Submit’, Terms and Conditions or Product Disclosure Statement. If the card has a positive balance after the transaction: $2.50. 1300 001 153. applies to cash advances. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. The standard joining fee of $255 is waived for Westpac Airpoints Platinum Mastercard cardholders, while the annual membership fee is reduced by $145 to $484 annually, which helps cover the cost of the annual fee of the card if you were going to be buying membership anyway. This is calculated from the anniversary of the first transaction on your account.*. 13.74% p.a. Balance transfer. As a current Westpac Low Fee Platinum cardholder, you are eligible for complimentary Overseas Travel Insurance cover 4, provided you: 1. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Lending criteria apply to approval of credit products. Transfer your balance. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. As a big bank, Westpac is able to provide a wide range of credit cards, allowing those who need a credit card to find just the right card for them. Fee type Fee amount; Annual account fee: $25 per year Paid in two 6-monthly instalments of $12.50. ^^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. If successful, you’ll pay only 5.95% p.a. Fee type Fee amount; Annual account fee: $150 per year Paid in two 6-monthly instalments of $75. ... no fee Westpac Debit Mastercard: $10 per card # Airpoints Debit Mastercard: We also have your back if something does go wrong. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. One low rate, simple. If you’re looking for a credit card with low fees and the ability to earn travel rewards, the Westpac Airpoints Mastercard is worth considering. Premium complimentary insurances. You need to register for Online Banking before you can set up a SmartPlan. 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. Earn Air New Zealand Airpoints Dollars™ with your Westpac Mastercard® spend #. applies to purchases on the Westpac Low Rate Mastercard. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. Balance transfer 6.99% 12 months. 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