Westpac 55 Day Card

If you are looking for a simple and affordable credit card which offers you real rewards like a 0% interest rate and a $0 annual fee, the Westpac 55 Day credit card could be the best deal for you.

Before you make that decision though, find out more about the features and benefits of the Westpac 55 Day credit card, because the wrong choice of credit card can cost you time and money – whereas if you choose the best credit card deal for your needs, you can be saving money, while you spend the bank’s money, interest free.

Features of the Westpac 55 Day Credit Card

With a world so busy and stressful, sometimes you just want something to be simple and easy – and the only thing better than simple and easy, is free; with the Westpac 55 Day credit card you are getting a simple and easy to use credit card deal, with great free inclusions so you can focus on there more important things in life than credit card bills. Some of the best features of the Westpac 55 Day credit card deal include:

• No annual fee for the first year. When you open a new Westpac 55 Day credit card account, you won’t pay the $0 for the first year ($30 after) annual fee for the first year.
• Qualify for a fee waiver every year. If you spend over $10,000 in a year on your card – that’s turnover, you don’t have to maintain the balance! – your annual fee will be waived in the following year.
• An purchase rate of 19.34%. When you open a new Westpac 55 Day credit card account, you can enjoy a 0% interest rate for the first five months on all purchases. At the end of five months, the interest rate reverts to the standard purchase rate on any remaining balances.
• A free additional card holder. There is no set up fee or ongoing annual or monthly fee to add another card holder to your Westpac 55 Day credit card account.
• Your choice of MasterCard or Visa. Both credit card merchants offer you exclusive VIP offers, rewards and discounts, both have their own additional online security passwords and both are widely accepted, but if you want to promote diversity in your wallet – if you are travelling you never know where you might end up needing a MasterCard, when you only have Visa cards – consider choosing the card you don’t already have.
• Paperless statements save you paperwork, and the environment. You can nominate to receive eStatements so you can easily file your statements away where they don’t take up any room.
• A 55 day interest free period. Have your money working harder for you while you spend the bank’s money for 55 days. If you don’t pay your balance to zero you will incur the purchase rate of 19.34% while the cash advance rate is 21.24%.
• A balance transfer deal of 1.99% p.a. for 9 months. If you need to get your current credit card balance under control before you can enjoy the benefits of the Westpac 55 Day credit card deal, you don’t have to miss out on signing up today. with a balance transfer offer charging just 1.99 % you can pay down your existing balance in no time, and be enjoying the benefits of spending with a credit card that fits you right, and helps you avoid those high credit card balances in the future.

How to Apply for the Westpac 55 Day Credit Card

The Westpac 55 Day credit card offer is a great deal, but it is not the best for everyone, so before you go any further, consider your spending habits and credit card history to make sure this really is the best deal for you. Once you are ready to apply for a new Westpac 55 Day credit card account:

• Spend 15-20 minutes completing the online application form. You will need to enter your personal and identification details, as well as information about your income, your bills, your assets and any other debts. Depending on your answers, and what Westpac can verify online, you may need to go into a branch with your paperwork to verify that information.
• You must be 18 years or older.
• You must be an Australian citizen or permanent resident.
• You must earn at least $15,000 a year.