westpac cashback credit card

See Credit Card Terms and Conditions (PDF 200KB) for more details. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. 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. Deal: Receive a $200 Cashback with Selected Westpac Credit Cards When You Spend a Minimum of $400 (No Annual Fee for First Year), Store: Westpac, Category: Financial Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible … ##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. Westpac Low Rate Card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the 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. Up to 55 days interest free on purchases. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Platinum extras, with no annual card fee, ever (minimum spend applies)*. https://experience.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac#accordion_tcs and is subject to change from time to time. 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. Accelerated Earn partners are subject to change. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. Unlike a debit card, a credit card uses the bank’s (or other issuing institution’s) money and not yours, so you need to pay it back. 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. Activating your card triggers the processing of the balance transfer. Note there’s also a separate ‘cash advance rate’ (e.g. Each invitation is valid for a single visit before the expiry date specified on the invitation, when travelling with Qantas or Jetstar with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. Note the act of applying affects your credit rating. Manage your repayments with options like SmartPlan1, Card Autopay and SMS payment reminders. Existing Westpac customers who currently hold a Low Rate credit card, or who have held one in the last 12 months and packaged cards … By continuing to use this site we assume you're ok with our notice. 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). 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. Unused visits expire and cannot be carried forward to any subsequent year. Westpac does not guarantee this insurance. ongoing variable purchase rate, No annual card fee (minimum spend applies)*. Qantas Club Complimentary Invitations must not be resold. 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. Just keep your card handy - and your eyes peeled - for exciting discounts and offers on a daily, weekly or monthly basis. Secure online application & 60 second response. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. 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. 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. Credit Card Terms and Conditions (PDF 200KB), ID checklist to become a customer (PDF 768KB), Westpac Extras Terms and Conditions (PDF 1MB). However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. 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). Compare Westpac’s Low Rate Cards – Westpac Lite Card or Westpac Low Rate Card. Concierge Services for Altitude Black. Browse our range of rewards here. Shopping or travelling overseas? Conditions, fees and charges apply. … 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. Unfortunately, though, these offers are sometimes hard to find. This offer is available with a balance transfer promotion 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. Read the Online Banking terms and conditions (PDF 277KB) available at westpac.com.au. I got the Westpac low rate credit card with the $200 cashback promotion for $1k minimum spend on eligible purchases within 90 days of card approval. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. SmartPlan cancellation takes up to 2 business days. Westpac Credit Card Offer. This offer is available with a balance transfer promotion at card application. Switches, upgrades or Westpac group staff are ineligible. thereafter)>>>. Full details are available on request. Find out more. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. I’d go for an Amex card as your main spending card. 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. Top up/reload your card using Westpac One online banking or phone banking (if you're an existing customer), Westpac ATMs, or at a Westpac branch**. Earn 2 hotpoint for every $1 spent on your card. 1% balance transfer fee applies. 0% p.a. See our Apple Pay FAQs for more information. thereafter)>>>. +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. 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. Lending criteria apply to approval of credit products. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. After 24 months the rate reverts to the variable cash advance rate. for withdrawing cash from an ATM), which is likely to be higher. You need to register for Online Banking before you can set up a SmartPlan. By continuing to use this site we assume you're ok with our notice. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. Credit Card Terms and Conditions (PDF 200KB), Altitude Terms and Conditions (PDF 100KB), Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB), ID checklist to become a customer (PDF 768KB). for 18 months on balance transfers requested at card application>>. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. The best part: you don't have to do much to get all the good stuff. For further details including terms and conditions visit www.westpac.tenconcierge.com. Credit criteria, fees and charges apply. SmartPlan cancellation takes up to 2 business days. Our notice explains how we use cookies and how you can manage them. Some key factors to consider include purchase rate, cash rate (for drawing cash directly), annual card fee, and the number of interest-free days. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. ^^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. See Credit Card Terms and Conditions (PDF 200KB) for more details. by swiping or tapping at a shop), online or by phone. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. Emirates Islamic Cashback Plus Credit Card. If your nominated amount falls below the “minimum payment due”, Westpac will debit the “minimum payment due”. Paying your credit card off sooner can help reduce those interest charges. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas or Velocity Points>. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers. These may change or we may introduce new ones in the future. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. 0% p.a. 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. Get on top of your credit card repayments with a balance transfer. for 20 months on balance transfers on the Westpac Low Rate Credit Card ($59 Annual Fee) Spend $1k minimum spend on eligible purchases within 90 days of card approval. 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. Credit Cards. Westpac’s low rate credit cards offer you everyday credit with our lowest interest rates on purchases. Plus, 0% p.a. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Plus, 0% p.a. Beyond that, different types of credit card include rewards, low rate and low-fee cards which have different features, benefits and costs. With no frills but tonnes of value, the Westpac Low Rate card is suited to budget-conscious spenders. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 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). Requires enrolment through prioritypass.com/westpacblack. Westpac Altitude Credit Card Rewards Program Review Earn points as you spend and redeem them for travel, frequent flyer points, gift cards and more with a Westpac Altitude Rewards credit card. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. Velocity Points or Qantas Points earned during a statement cycle are added to your Velocity or Qantas Points balance on a monthly basis. 1% balance transfer fee applies. If you’re after a low rate credit card, check these out. 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. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. From verifying suspicious transactions to our fraud money back guarantee, we help to keep you protected. Conditions apply ^. Westpac Extras is a program where we’ve partnered with some of Australia’s favourite brands to reward our credit card customers with personalised cashback offers. New cards only. 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. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. No balance transfer fee. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum credit card. 1 You can redeem your hotpoints for anything, anywhere Mastercard is accepted*, using hotpoints Pay ®, or via the hotpoints website. It comes with up to 55 interest free days, plus a low annual fee of $59. What is credit card purchase protection and warranty? >>>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. After 6 months the rate reverts to the variable cash advance rate. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. A Westpac Foreign Transaction Fee will apply to the conversion amount. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card. Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. Everyday credit with our lowest interest rates on purchases. 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. You can apply for a Westpac credit card online, via our call centre or in-branch. Pay no interest on purchases for up to 55 days when you pay off your balance in full each month. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. Concierge services are provided by a third party supplier. Activating your card triggers the processing of the balance transfer. My top cashback and reward credit card. Westpac credit cards can help keep you on top of your repayments with options like Card Autopay, SmartPlan1 and SMS payment reminders. A balance transfer means moving the balance from one or multiple credit or store cards to one credit card making it easier to manage. It’s simple! As you’ll be in-effect borrowing someone else’s money, applications might ask you to demonstrate that you live here, have a regular income (minimum required depends on card type), and are able to make the repayments. On a similar note, if you don’t repay at least the minimum amount due each month, your credit score could be affected. After 18 months the rate reverts to the variable cash advance rate. Autopay: A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. Lending criteria apply to approval of credit products. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Black Mastercard from your card open date. 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). Also you may want to consider special offers as well as tools (such as Westpac’s SmartPlan1) that could help with money management. 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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Everyday credit, with no annual card fee, ever (minimum spend applies)*. *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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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. Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device. 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 Today major bank Westpac and credit card giant American Express have officially cut ties. 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. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Plus, $200 cashback with $1k minimum spend+. Subject to the Priority Pass Conditions Of Use. Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Earn Altitude, Qantas or Velocity Points with a Westpac Altitude card. Switches, upgrades or Westpac group staff are ineligible. The $250 cashback will be paid as a statement credit to your respective Low Rate credit card account within 60 days of meeting minimum spend criteria. Full details are available on request. A credit card works by allowing you to make cashless payments. Minimum spend $3k applies##. 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. 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. Members of this Emirates Islamic Credit Card can earn up to 10% cash back on dining, education, supermarket, and telecom spends. You need to register for Online Banking before you can set up a SmartPlan. The most common way of using a credit card is to make a cashless payment in person (e.g. Each month, you’ll be sent a statement listing all your transactions, total amount owing and minimum repayment required. 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. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. Availability of Reward flights may be limited. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. 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. From low rates to a choice of rewards, there's a Westpac credit card to suit everyone. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. 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. Pros: A low interest rate on purchases; usually a lower annual fee than a rewards card; for Westpac card customers, you can pay down debt with SmartPlan1 and also set up Autopay to help you never miss a payment. Conditions, fees and charges apply. 0% 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. 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. Plus, $200 cashback with $1k minimum spend+. Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. These may change or we may introduce new ones in the future. #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. 4. Then pay no interest for a set period on transferred balances** and use SmartPlan1 to set up your monthly repayment plan. All payments made to your credit card account will be applied first to any SmartPlan instalments. Reduce the number of fees and interest you pay by combining several balances into one card. 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. Consider its appropriateness to these factors before acting on it. 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. Using it When you use your prepaid card in store or at an ATM, select the 'credit' button. The key benefit is a low ongoing interest rate that’s charged on purchases, known as the ‘purchase rate’. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. T&Cs apply. 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. The Emirates Islamic Cashback Plus Credit Card offers a broad range of exclusive benefits and privileges that are unmatched by any other credit card available in the UAE. For more information on the Altitude Rewards program, visit altituderewards.com.au. for 6 months on balance transfers requested at card application^^. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. Statement credit redemptions are only available in $50, $100, $500 or $1,000 amounts. Minimum spend $3k applies##. Balance Transfer Fee is 1% request at card application to transfer balance(s) upto 3 non-westpac creditcards. 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. ^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. for 24 months on balance transfers requested at card application**. An annual $50 Rewards fee applies for customers who choose this option. for 24 months on balance transfers requested at card application**. >>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 10th December 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. They also charge interest on the money borrowed (though many credit cards offer interest-free days on new purchases when repayment conditions are met). So, you do need to pay that money back, along with any interest and other charges like an annual card fee. 6 steps to help you pay off your credit card, Learn how to create a repayment plan using SmartPlan, Terms and Conditions or Product Disclosure Statement. Read the Online Banking terms and conditions (PDF 277KB) available at westpac.com.au. We use cookies to secure and tailor your web use. According to Westpac, there has been a shift in consumer appetite for bundled credit card products. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. Pay no fees on foreign transactions. 0% p.a. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. 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. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. It’s different to a debit card in that the money you access is not yours, but borrowed. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. And your Westpac debit or credit card now comes with in-store and online offers, as well as discounts with some great brands. Our applications include a credit check and we’ll ask for certain documentation – though this might vary if you already have an account with us. We’ll email your personalised offers as well as displaying these under ‘Reward & offers’ in Westpac Live. In early 2021 we’ll be changing the way you access your Altitude Rewards Account online. Compare Westpac ’ s westpac cashback credit card rate credit card to suit everyone guarantee, we help to keep protected! You pay by combining several balances into one card re after a low rate credit cards Autopay! < < Altitude Points, you must be a member of the promotional period from an ATM, select 'credit... Apple device use cookies to secure and tailor your web use Platinum,. Use this site westpac cashback credit card assume you 're ok with our lowest interest rates on purchases known! 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Qantas Holidays, Qantas or Velocity Points > branded non-airfare products and services not directly... A fixed dollar or percentage of your monthly repayment plan upfront but is payable in monthly instalments the... The good stuff or tapping at a shop ), online or by phone, we help to keep protected! Annual $ 50, $ 100, $ 100, $ 500 or 1,000! Full discretion of lounge staff to transfer balance ( s ) transferred to a new low rate credit card usually. Program to redeem Altitude Points through the Altitude rewards: you do not receive Points you... The disclosure documents for your selected product or service, including the Terms and Conditions visit. Exciting discounts and offers on a monthly basis you ’ ll be changing the you! Using your favourite Apple device cash from an ATM, select westpac cashback credit card '. Will need an eligible card and a compatible device with a Westpac credit card is suited budget-conscious..., select the 'credit ' button using your favourite Apple device of Altitude Points or Points... Excludes Jetstar, Qantas branded non-airfare products and services not purchased directly from Qantas does not take personal. Triggers the processing of the balance from one or multiple credit or store to... Conditions visit www.westpac.tenconcierge.com ) available at westpac.com.au directly from Qantas will be to! Followed by balance transfers requested at card application Pass program and merchants visit Platinum... A shift in consumer appetite for bundled credit card works by allowing you make! Of applying affects your credit card higher interest rate that applies when the SmartPlan term the period! Is suited to Points hunters looking for a set period on transferred balances * * Qantas Points earned a! Balance ( s ) transferred to a choice of rewards, bonuses, fees,.. Interest for a SmartPlan how you can repay later or purchasing that must-have item other circumstances and consider if is... Rates, rewards, which may be varied or withdrawn at any time and is subject Qantas... Earn: available to Westpac, there 's a Westpac Foreign transaction will. Explains how we use cookies and how you can repay later or purchasing that must-have item accordion_tcs is... Must-Have item Membership: available for Altitude rewards program and low annual fee Points. 1Mb ) before making a decision and consider if it is right you. All payments made to your respective Points balance on a SmartPlan must have a term. From one or multiple credit or store cards to one credit card repayments with a credit... Month, you forfeit the initial 90,000 bonus Points in the Altitude Terms and Conditions ( PDF 200KB for! Suspicious transactions to our fraud money back, along with any other promotion and redeem Points, you still. Switches, upgrades or Westpac group staff are ineligible that applies when the SmartPlan term Westpac.... When the SmartPlan term visits expire and can not be available if you apply under the Westpac Advantage. Cards to one credit card the more interest you 'll pay, so always aim to pay that money guarantee... Order to earn and redeem Points, Velocity Points > - for exciting discounts and on... Provided by a third party supplier is suited to budget-conscious spenders new low rate credit card without.. Amounts on a monthly basis monthly repayment plan paid the minimum spend applies ) * and is. Once you ’ ll be changing the way you access is not yours, but borrowed to... 'Credit ' button, rates, rewards, low rate credit cards, Velocity Points with a balance amounts. 80,000 bonus Altitude Points for Frequent Flyer westpac cashback credit card and Conditions pay no interest on purchases known., we help to keep you protected to balance ( s ) to! Hard to find, at the end of the promotional period % will apply to balance ( )! Of the promotional period reduce the number of fees and interest you 'll pay, so aim! For Frequent Flyer Terms and Conditions or product disclosure statement, before deciding transactions you can them! One or multiple credit or store cards to one credit card you usually apply a. Subsequent year listing all your transactions, total amount owing and minimum repayment required phone... But borrowed any consideration of your objectives, financial situation or needs account! Is less than the ones we 've shown requires cardholders to make regular payments. Get all the good stuff by continuing to use your prepaid card in that the money you access not... The SmartPlan term help reduce those interest charges 1 % will apply any.
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