When you apply for a credit card, you have the option of nominating your preferred credit limit, or the maximum credit limit available to you based on our assessment of the information you provide in your application. Minimum card limits apply, so you will need to nominate your preferred credit limit with this in mind.
Purchases
A credit card may be used for purchases in person, over the phone or online. For a fast and convenient payment option for everyday purchases of under $100, simply hold your MasterCard or Visa Card against the contactless terminal wherever you see your card’s logo and the contactless symbol - no need to enter a PIN or sign.
Contactless technology is also a fast way to pay using your Cards or Samsung Galaxy S4 or S5 to tap and pay for everyday purchases (other devices will be accessible shortly). Simply download the Westpac Mobile Banking app and choose which cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S4 or S5 smartphone against the contactless terminal.
Cash advances and balance transfers
A cash advance option provides you with the flexibility to use your credit card to withdraw cash against your credit card account. Interest on the cash advance will be charged from day one.
A balance transfer is an optional feature of a credit card that allows you to request to transfer any non-Westpac card balances to a Westpac credit card.
Monthly repayment
You are required to make a minimum payment each month if your statement shows a closing balance. However, you should aim to pay off more than the minimum monthly repayment otherwise it will take you longer to pay off the balance and you will be charged interest.
Interest
You will be charged interest on the proportion of your balance that doesn't get paid in full as well as other specified advances and purchases. Interest will be charged at the specified annual percentage rates of your chosen credit card. Some credit cards have different variable annual percentage rates for cash advances and for purchases. View the current rates for credit card variable interest .
Credit limit
When you apply for a credit card, you have the option of nominating your preferred credit limit, or the maximum credit limit available to you based on our assessment of the information you provide in your application. Minimum card limits apply, so you will need to nominate your preferred credit limit with this in mind.
Purchases
A credit card may be used for purchases in person, over the phone or online. For a fast and convenient payment option for everyday purchases of under $100, simply hold your MasterCard or Visa Card against the contactless terminal wherever you see your card’s logo and the contactless symbol - no need to enter a PIN or sign.
Contactless technology is also a fast way to pay using your Cards or Samsung Galaxy S4 or S5 to tap and pay for everyday purchases (other devices will be accessible shortly). Simply download the Westpac Mobile Banking app and choose which cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S4 or S5 smartphone against the contactless terminal.
Cash advances and balance transfers
A cash advance option provides you with the flexibility to use your credit card to withdraw cash against your credit card account. Interest on the cash advance will be charged from day one.
A balance transfer is an optional feature of a credit card that allows you to request to transfer any non-Westpac card balances to a Westpac credit card.
Monthly repayment
You are required to make a minimum payment each month if your statement shows a closing balance. However, you should aim to pay off more than the minimum monthly repayment otherwise it will take you longer to pay off the balance and you will be charged interest.
Interest
You will be charged interest on the proportion of your balance that doesn't get paid in full as well as other specified advances and purchases. Interest will be charged at the specified annual percentage rates of your chosen credit card. Some credit cards have different variable annual percentage rates for cash advances and for purchases. View the current rates for credit card variable interest .