Fees and interest rates shown are current at 28 January 2020 and are subject to change without notice. Some overseas banks may charge an extra fee for a cash advance. Overseas cash advances and foreign currency fees may apply. Other charges may apply to some of the transactions and services mentioned – see our Credit card fees page for more details. Westpac’s current credit card lending criteria apply to all applications and transfers. The Mastercard BusinessCard/PurchasingCard Credit card Conditions of Use apply. Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.