You'll pay the standard purchase interest rate on any new purchases you make with your card, as purchases made using the card do not qualify for the 5.95% p.a. rate. The 5.95% p.a. rate1 only applies to balances transferred until that balance has been repaid in full. It’s important to note that all credit card repayments you make will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. This means any balance transfer amount won't start being paid off until any cash advances or purchases made on your card have been paid in full. Please see the balance transfer page for more information and full terms and conditions.

Things you should know.

1 Rate will apply to balance(s) transferred until that balance(s) is paid off. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. 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. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer. Full Balance Transfer Terms and conditons apply.