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THE FEAR-FREE CREDIT GUIDE.
Does the idea of a credit card fill you with fear? Facing those fears is easy with the right tools and some smart moves. Use this guide to avoid the trappings of debt, and fear credit no more.
Debt traps lose their bite when you're in control.
Set your own credit limit so your card works for you, not the other way around. A good rule of thumb: choose a limit you can comfortable pay off in full each month - ideally no more than your monthly income, or budgeted spending.
Get the jump on your payment deadlines.
A missed payment can feel like a jump scare, but you can dodge the fright with a little forward planning. Set up automatic payments in Westpac One® to make sure your payments go out on time. One less thing to keep you up at night.
No fees. No frights.
Hidden fees? Terrifying. The Fee Free Mastercard® keeps things simple - no annual fees, no foreign currency fees and our lowest interest rate on purchases.
Interest doesn’t have to be a mystery.
Credit card interest can be confusing – when it starts, how it’s calculated, and what triggers it. The good news? You can avoid it altogether if you know what to look out for. Get clear on the facts and spend smarter.
Fear less, spend smarter.
More tools to help you fight the fear.
CashNav
Keep an eye on your money the easy way – by letting our free CashNav app do it for you.
Managing Your Money
Your one-stop shop for guides and articles packed with practical advice about money.
CardGuard® security
24/7 proactive protection to help keep you safe from credit card fraud and theft.
Things you should know.
Eligibility criteria, lending criteria, terms and conditions and fees apply.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
See the Transaction and Service Fees Brochure.
Conditions of Use for the applicable card apply.
CashNav Terms and Conditions apply.