Westpac 55 Day Credit Card – Rates and Fees

Information verified correct on January 25th, 2017

Take advantage of 0% p.a. for 16 months on balance transfers, on purchases for months and annual fee in the first year with the Westpac 55 Day Credit Card.

The Westpac 55 Day Credit Card is designed to be a straightforward option, with a low annual fee and up to days interest-free on purchases. This card currently offers on balance transfers for months and a low introductory purchase rate of for months when you apply by .

It also offers an introductory annual fee in the first year (normally ).

Westpac 55 Day Credit Card review

This Visa credit card provides worldwide acceptance for in-store, online or over-the-phone purchases. This no-frills credit card also offers up to 55 day interest-free period on purchases if you pay the balance in full by the due date on each statement. It also has a low standard annual fee of 

If you apply for this card before , you can enjoy a annual fee for the first year and in subsequent years when you spend or more on purchases in each 12 months from the date of the first transaction on your account. The introductory balance transfer rate and purchase rate also allow you to save on interest charges. These offers end .

Benefits of using a Westpac 55 Day Credit Card

Some of the most popular benefits of the Westpac 55 Day include:

  • No annual fee offer. Apply for this card before  and you can enjoy  annual fee in the first year. The annual fee will also be waived in following years if you spend at least $5,000 on purchases using your credit card. Purchases are counted from the anniversary date of the first year’s annual fee waiver.
  • on balance transfers. This card allows you to transfer balances from up to three non-Westpac credit accounts with an introductory rate of 0% p.a. for the first 16 months. The standard variable purchase rate of 19.84% p.a. will be applied to any balance left over after the interest-free period ends. Offer ends on 30 January 2017.
  • introductory purchase rate. This card allows you to save money on new purchases with an introductory rate of for months. After this, any balance remaining from new purchases will attract interest at the standard variable purchase rate of 19.84% p.a.
  • Interest-free days. Pay no interest on your current purchases if you are able to pay the closing balance in full by the statement due date. This can give you up to 55 interest-free days on purchases.
  • Additional cardholder.  This card offers1 supplementary cardholder at no extra cost, allowing you to share your account with a partner or family member.
  • Visa benefits. This card offers worldwide acceptance through the Visa network, Visa Zero Liability against fraudulent transactions and access to exclusive entertainment and experience offers through Visa Entertainment.
  • Contactless payments. This card's Visa payPass technology allows you to pay for in-store purchases under $100 by simply tapping your card against a terminal bearing the contactless symbol. You can also tap-and-go using a mobile phone by downloading the Westpac app to a compatible Samsung Galaxy S4, S5 or Note 3.

Features of the Westpac 55 Day Credit Card

Here are the key features to consider when comparing the Westpac 55 Day Credit Card.

  • Purchase rate. The standard variable interest rate on purchases is 19.84% p.a. It is important to note that any remaining debt from a balance transfer will revert to the standard purchase rate after the introductory period ends.
  • Cash advance rate. This card charges 21.29% p.a. for cash advances. Note that cash advance transactions are not eligible for interest-free days and will accrue interest from the time they are made.
  • Cash advance fee. If you use your card for a cash advance, a fee of .
  • Annual fee. This card has a standard annual fee of $30.
  • Foreign transaction fee. A fee of applies for all transactions made in a foreign currency.
  • Minimum credit limit. The minimum credit limit offered is $1,000.
  • Interest-free days. The interest-free period with this credit card is up to 55 days, as long as you pay your balance off in full by the due date on each statement.
  • Card security. This card offers protection with chip-and-PIN technology and Westpac's Fraud Money Back Guarantee. The Westpac Added Online Security service also provides extra peace of mind when shopping online at participating retailers.

How to apply for the Westpac 55 Day Credit Card

You can apply for the Westpac 55 Day Credit Card online in around 10 minutes and will get a response within 60 seconds. Before you begin, make sure you meet the eligibility requirements for this card, and have all the relevant documents and details on hand.

Eligibility criteria

  • You must be at least 18 years old
  • You must be a permanent Australian resident or citizen
  • You must have a good credit rating to be eligible for this card
  • Only individuals who are not currently holding an open Westpac credit card product can apply

Required documents

  • Personal details. This includes your full name, address, contact information and residential information.
  • Identification. A valid Australian driver’s licence, Medicare card or passport is required to verify your identity for the application.
  • Income and expenses. You will need to provide details of your annual salary, as well as payslips or bank statements showing regular deposits. You also need to outline your financial commitments, such as mortgage payments, existing card or loan debts and regular household bills and expenses.
  • Employment details. This includes your position, the length of your employment, your salary, and your employer's name and contact details.

The Westpac 55 Day Credit Card is a straightforward, no-frills product that offers savings through a low annual fee and up to 55 days interest-free on purchases. But as there are other low-cost cards on the market, it's important to consider a range of options so that you can find a product that suits your circumstances and needs.

Frequently asked questions

Will applying for the Westpac 55 Day and another card at the same time hurt my chances for approval?

Applying for more than one credit card at a time leads to more enquiries on your credit report, which could have a negative impact on your credit score. Instead, you may want to compare credit cards before you apply, so that you can choose a card that offers the greatest chance of approval based on your circumstances.

I am not a permanent resident of Australia, but do have a 457 visa, will I be eligible for this card?

While Westpac does have credit cards for non-permanent residents, this is not one of them. You will need to look into their Migrant Credit Card which gives you the option of a rewards, low annual fee, low interest rate or platinum credit card. You can also read our guide on credit cards for temporary residents for more options.

How do you qualify for no annual fee after the first year?

If you make $5,000 in purchases in one year starting from the anniversary date of the card, you will not be charged the $30 annual fee.

Is the additional card holder responsible for the account as well?

No, the primary card holder assumes all responsibility for the account, including the activities of the additional card holder.

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119 Responses to Westpac 55 Day Credit Card – Rates and Fees

    Default Gravatar
    Valerie | October 20, 2016

    I didn’t receive my goods and think I’ve been scammed when using my Visa through PayPal. Will Visa reimburse my money? I know they can replace a broken item bought with a Visa card. I’ve tried this before.

      Jason | October 20, 2016

      Hi Valerie.

      Thank you for your inquiry.

      If you sent a payment but haven’t received what you paid for, or believe the seller to be fraudulent in Paypal, you should visit their Resolution Center. Just log in to your PayPal account, click “Resolve a problem in our Resolution Center”, then click “Dispute a Transaction” and select either “Item dispute” or “Unauthorized transaction”, depending on the nature of your dispute and just follow the instructions or prompts on the screen. Alternatively, you can contact Visa Card at 1800 125 440 or 1800 450 346 to verify or report a fraudulent transaction.


      Default Gravatar
      | October 20, 2016

      I called PayPal and they said that they can’t pursue the matter anymore because it was over 180 days ago (January 2016). Because I paid $751.80 (€450.46 Euro) using my Westpac Visa card, I was hoping that there might be some way to retrieve it.

      Jason | October 21, 2016

      Hi Valerie.

      Thank you for reaching out.

      I’m sorry to hear that you are were unable to get any resolution to this concern. Please contact your card provider or financial institution to check with them if there’s still a way to retrieve your money. You can also call Visa Global Customer Care Services toll-free at 1800 450 346 or 1-800-125-440 for further inquiry or assistance.

      I hope this helps.


    Default Gravatar
    sightseeing | May 25, 2016

    Hello! And what is a travellers’ card? Is it suitable than a credit card? Thank you.

      May | May 26, 2016

      Hi Sightseeing Tour,

      Thanks for your inquiry.

      A travel card is a convenient way to access your travel cash while you’re on a trip. There are three main types of travel cards available in Australia: prepaid travel cards, credit cards and debit cards. The best option among the three depends on entirely on your own financial situation, travel plans and spending habits. So, it’s best that you make a comparison and see which one of these cards really gives you the highest benefits when you bring them abroad.


    Default Gravatar
    Al | January 6, 2016

    With this special offer I assume The 12 month interest free on purchases supersedes the 55 day interest free terms on the card?


      Sally | January 7, 2016

      Hi Al,

      Thanks for your question.

      That’s correct. The 55 interest-free days will come in handy once the 12-month promotional period ends. Please note that you have to pay your balance in full by the end of the statement period to take advantage of up to 55 interest-free days on purchases.

      I hope this has helped.



    Default Gravatar
    armaan | July 10, 2015

    I have received a letter by Westpac bank offering me a credit card but I don’t have a good credit history. I have 40-50 grand in my saving accounts in Westpac bank so I just want to know if I proceed with this credit card application, is there any chance of getting approved or not?

      Jonathan | July 13, 2015

      Hi Armaan, thanks for your inquiry!

      It is important to assess your own ability to repay and manage a credit card service. If there have been defaults or late payments on your credit file this may be an inhibition to your application process. Please refer to the following link for requesting a copy of your credit file to ensure good understanding of your current credit status.



    Default Gravatar
    helen | May 11, 2015

    I was looking to apply for this credit card however before I do, I would like to read the Consumer Credit Card – Conditions of Use file which will not open on multiple devices that i used.

    Where could I locate a link that works?


      Jonathan | May 12, 2015

      Hi Helen, thanks for your inquiry!

      Please refer to the PDF I have sent to your email for the terms and conditions of this product.



    Default Gravatar
    | May 4, 2015

    I am not an permanent resident of Australia, but currently on employer sponsored visa 457 for 4 years and staying in Australia for the past one year with a good credit history.
    Am I eligible to apply for this card?

    many thanks


      Jonathan | May 4, 2015

      Hi Alex, thanks for your inquiry!

      Westpac supports applications with 457 Visa’s. The Migrant Credit Card gives you the option of choosing between Rewards, a Low Annual Fee, Low Interest Rate and Platinum Card. Migrant Credit Cards are only available through applying at your local branch.



    Default Gravatar
    | April 17, 2015

    I will be taking a cruise shortly with MSC Cruises. They stipulate that Travel Cards and debit Cards are not acceptable. The currency on board is Euro. If I were to book a shore excursion which is advertised here by MSC and is quoted in AUD, would this be converted to Euros and then when I pay my Visa statement would it be reconverted to AUD ? My card has no foreign fees.

      Jonathan | April 17, 2015

      Hi Frank, thanks for your inquiry!

      As per the terms and conditions when booking, “Please note you must select AUD or NZD at top of screen before booking so that the correct currency is charged for payment as this cannot be amended at time of payment.” This means that if you select AUD or NZD the respective currency will be charged to your card. If transactions were made on board currency would be converted to Euro at the bank’s buy rate Aud/ Eur.



    Default Gravatar
    Tee | April 15, 2015

    Hi just wondering… If I have a bad credit history in NZ will this impact my chances?

      Jonathan | April 15, 2015

      Hi Tee, thanks for your inquiry!

      Unless the bad credit history stems from a company that has international presence, credit history’s do not transfer to another country. As a result your credit rating will be at a neutral standing in the new destination.



    Default Gravatar
    | March 5, 2015

    Hi, it states on this card westpac 55 day card, no annual fee for the life of the card, but in the summary states a $30 annual fee. Can you please clarify

      Default Gravatar
      | March 5, 2015

      Please remove the no annual fee for life of the card advertising. It is false and misleading

      Jonathan | March 5, 2015

      Hi Karen, thanks for your inquiry.

      The no annual fee for life is available when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver.



      Jonathan | March 5, 2015

      Hi Karen, thanks for your inquiry!

      The annual fee for this card is $0 p.a. for the first year and $30 p.a. thereafter.



    Default Gravatar
    Lindsay | January 31, 2015

    Does this card have “tap n go” / “pay wave” ?

    With additional card holders, are they listed on the account details.
    ie. as a “joint account” or is the account the responsibility only of the primary account holder ?

      Jonathan | February 2, 2015

      Hi Lindsay, thanks for your inquiry.

      This card comes Paywave enabled. Additional cardholders are listed on the account details, and are separate to the joint account type. It is important to note Westpac does not allow joint-account credit cards.

      I hope this helps!



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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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