This offer applies to those existing customers who have received an SMS or letter from Westpac advising about the change in interest rate from 1% p.a. to 0% p.a. on their transferred balance for the remainder of the 12 month term. Any outstanding balance at the end of the 12 month term will be charged at the applicable standard purchase interest rate as stated on our website. Interest rates shown are current as at 21 November 2018 and subject to change without notice. Westpac’s current credit lending criteria apply to all applications and transfers. Credit Card Conditions of Use apply. World MasterCard Conditions of Use apply for World MasterCard. Other charges may apply to some of the transactions and services mentioned - find out more on our Credit Card Fees pages.