*Offer ends 10 September 2019, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. You can transfer up to 95% of your available credit card limit. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments made to your Westpac credit card will first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use. If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Payments will be applied to charges and accrued interest, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balances transferred at the highest interest rate.
Westpac’s current credit card lending criteria will apply for credit cards. Credit Card Conditions of Use for the applicable card will apply. Interest rates and fees are current as at 16 July 2019 and are subject to change without notice. Other charges may apply to some of the transactions and services mentioned –Find out more on our Overseas cash advances and foreign currency fees may apply. Hotpoints terms and conditions apply. hotpoints® is a registered trademark of Westpac Banking Corporation. Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.
#The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; purchases of Airpoints Dollars using Airpoints Advance facilities; gambling chips; cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac Airpoints credit card; and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only.
For daily transaction limits, click here.