A credit card works by allowing you to make cashless payments. Pay no fees on foreign transactions. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas or Velocity Points.~ Minimum spend, conditions and exclusions apply.##, When requested at card application, 1% balance transfer fee applies. A Westpac Foreign Transaction Fee will apply to the conversion amount. 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. 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 a Low Rate credit card, or who have held one in the last 12 months and packaged cards … The key benefit is a low ongoing interest rate that’s charged on purchases, known as the ‘purchase rate’. After 18 months the rate reverts to the variable cash advance rate. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Everyday credit with our lowest interest rates on purchases. You need to register for Online Banking before you can set up a SmartPlan. Minimum spend $3k applies##. Find out more. Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. 1 You can redeem your hotpoints for anything, anywhere Mastercard is accepted*, using hotpoints Pay ®, or via the hotpoints website. Westpac credit cards can help keep you on top of your repayments with options like Card Autopay, SmartPlan1 and SMS payment reminders. Up to 55 days interest free on purchases. My top cashback and reward credit card. The best part: you don't have to do much to get all the good stuff. Beyond that, different types of credit card include rewards, low rate and low-fee cards which have different features, benefits and costs. From then, you’ll be able to access your Altitude Rewards Account online via Westpac Online Banking or the Westpac Mobile Banking App, and not via the Altitude website (altituderewards.com.au). Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. 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. 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. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers. The most common way of using a credit card is to make a cashless payment in person (e.g. Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. 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. By continuing to use this site we assume you're ok with our notice. 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. For further details including terms and conditions visit www.westpac.tenconcierge.com. Pay no interest on purchases for up to 55 days when you pay off your balance in full each month. ##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. 1% balance transfer fee applies. Plus, 0% p.a. Today major bank Westpac and credit card giant American Express have officially cut ties. Activating your card triggers the processing of the balance transfer. Plus, $200 cashback with $1k minimum spend+. We’ll email your personalised offers as well as displaying these under ‘Reward & offers’ in Westpac Live. ~ Bonus Qantas or Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Black credit card between 10th December 2020 and 31st March 2021. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. New cards only. If you use a Westpac credit card which has an outstanding balance transfer, balance transfer terms & conditions apply. Just keep your card handy - and your eyes peeled - for exciting discounts and offers on a daily, weekly or monthly basis. Find out more. Manage your repayments with options like SmartPlan1, Card Autopay and SMS payment reminders. This information does not take your personal objectives, circumstances or needs into account. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. Conditions, T&Cs apply. I’d go for an Amex card as your main spending card. You need to register for Online Banking before you can set up a SmartPlan. ^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. Each month, you’ll be sent a statement listing all your transactions, total amount owing and minimum repayment required. It’s simple! for 24 months on balance transfers requested at card application**. Note the act of applying affects your credit rating. Plus, $200 cashback with $1k minimum spend+. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. 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. ongoing variable purchase rate, No annual card fee (minimum spend applies)*. 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. Consider its appropriateness to these factors before acting on it. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. Credit criteria, fees and charges apply. 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. Full details are available on request. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. $200 Cashback and 0% p.a. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Qantas Club Complimentary Lounge Invitations: As a Westpac Altitude Black card cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. Requires enrolment through prioritypass.com/westpacblack. Cashback: New cards only. 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. All payments made to your credit card account will be applied first to any SmartPlan instalments. Also you may want to consider special offers as well as tools (such as Westpac’s SmartPlan1) that could help with money management. 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. Shopping or travelling overseas? Fees may apply. We use cookies to secure and tailor your web use. 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. 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. 1% balance transfer fee applies. thereafter)>>>. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. 0% p.a. Cons: To get the lower purchase rate you forego some ‘extras’ like complimentary insurance or rewards points. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. For more information on the Altitude Rewards program, visit altituderewards.com.au. Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. 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. thereafter)>>>. Unfortunately, though, these offers are sometimes hard to find. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Switches, upgrades or Westpac group staff are ineligible. Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas or Velocity Points>. These may change or we may introduce new ones in the future. Availability of Reward flights may be limited. 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. 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. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. for 6 months on balance transfers requested at card application^^. Spend $30 or more in a single transaction on your Westpac Credit Card by either the primary or secondary cardholder. 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 Westpac Altitude Platinum credit card is suited to points hunters looking for a modest rewards program and low annual fee. From low rates to a choice of rewards, there's a Westpac credit card to suit everyone. On a similar note, if you don’t repay at least the minimum amount due each month, your credit score could be affected. Lending criteria apply to approval of credit products. See Credit Card Terms and Conditions (PDF 200KB) for more details. for 24 months on balance transfers $200 cashback. Subject to the Priority Pass Conditions Of Use. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. Concierge services are provided by a third party supplier. 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