Westpac 55 Day Credit Card

Moneybuddy says

The Westpac 55 Day Credit Card offers many great benefits including $0 annual fee 1st Yr & subsequent year (5k min spend required). As the name implies, you are entitled to up to 55 days interest free on purchases provided your balance is cleared in full. 0% p.a. balance transferr for up to 20 months + 2% BT fee when you apply before 11th June 2018. The rate then switches to applicable variable cash advance rate.

The Basics

Card class Visa

Card type Credit card

The cool stuff: features

Reward program No

Reward program name -

Reward program details -

Reward program terms -

Additional card holder Yes

Add. card holder details Add one additional cardholder (16 years or older) at no extra cost

Purchase security -

Extended warranty -

International travel insurance -

Online access No

Phone access No

The Facts & Figures

Purchase rate p.a. 19.84%

Cash advance rate p.a. 21.29%

Introductory purchase rate p.a. 0%

Introductory purchase rate period (months) 6

Introductory balance transfer period (months) 12

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit $500

Max. credit -

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee $15

Atm fee -

International transaction fees Yes

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Westpac says

Westpac's straightforward 55 Day Visa Credit card currently comes with 0% balance transfer rate for 20 months (2% balance trasnfer fee applies). Simply apply before 31 Jan 2018.

Key features

  • 0% p.a. for 20 months on balance transfers
  • Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the statement due date
  • $0 annual fee 1st Yr & subsequent year (5k min spend)

Pros

  • $0 annual fee for the 1st yr & subsequent yr when you apply by 11th June 2018
  • $0 annual fee in subsequent years when you spend at least $5,000 in a year
  • 0% p.a balance transfer fee for up to 12 months
  • 0% p.a. purchase rate for 6 months
 

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