Westpac 55 Day Gold Card

Apply now for a Westpac 55 Day Gold Card

A gold credit card can make it easier to spend at home and overseas, remain protected when you buy and when you travel, but if you are not using the card which is best for your needs, then you could also be easily attracting interest charges, fees and bad debt.

Instead, consider the features of the Westpac 55 Day Gold credit card deal, and whether this is the best card for your circumstances.

Features of the Westpac 55 Day Gold Card

Offered by one of the biggest of the Big Four banks, you may expect the Westpac 55 Day Gold card to also have the biggest of big interest rates and fees; not only is that not the case, Westpac also gives you opportunities to avoid their already low fees and interest charges. Find out more about the Westpac 55 Day Gold card features such as:

No annual fee for the first year. As a new customer to the Westpac 55 Day Gold card, you can also enjoy a $0 annual fee for the first year your account is opened.
Ongoing annual fee waiver. If you spend $15,000 or more on your gold credit card in a year, you will qualify to have the annual fee waived for the following year. A $15,000 turnover of purchases would not be hard to achieve in a year, if you used your gold card within the interest free days for all of your purchases and left your wages to build interest in a savings account you could reach a $15,000 spend easily with groceries and bills, while you repaid your balance back to zero throughout the year too.
Free overseas travel insurance. Organising travel insurance can be a time consuming hassle when you travel, especially when you have a family and require coverage for everyone. Therefore, knowing you and your family are automatically covered when you travel overseas can make your travels a breeze. Your free travel insurance deal offer you coverage for loss or damage of personal property, legal liability cover, rental vehicle cover and transit accident insurance.
Extended coverage and protection on your purchases. Purchases you make with your Westpac 55 Day Gold card are automatically covered if they are lost, stolen or damaged for 3 months, in Australia or overseas. Most new items you buy on your gold card will also qualify for an extension beyond the manufacturer’s warranty of up to a year.
Your choice of Visa or MasterCard. If you already have a MasterCard in your wallet, then you will probably choose a Visa card as your gold card – and visa-versa – since it makes sense to have a diversity of cards available to you. Even though most places in Australia will accept MasterCard and Visa equally, you don’t want to be caught out, especially when you have the choice right now.
A 55 day interest free period. When you pay your balance back to zero within the interest free period, you can avoid the purchase rate. The cash advance rate is and cash advances do not qualify for interest free days.
Receive a balance transfer offer of . The interest charges on a credit card can be the highest hurdle to overcome when you are trying to pay down your debt but with just a % interest rate, the bar becomes easier to clear. Plus, you have months to clear it so you don’t have to make drastic budget changes and eat plain noodles every night, you just need to concentrate on controlling your debt and Westpac can help you.

How to Apply for a Westpac 55 Day Gold Card

You will need to earn at least $50,000 a year to be eligible for this gold card, and you will also need to be over 18, and an Australian resident or citizen. If you meet these eligibility criteria, spend the 15 minutes completing an online application form, to apply for a gold card which is offering attractive deals on fees and interest rates, and the chance to get control of your credit card debt, without letting it control you.