What does the balance transfer interest rate apply to?
The balance transfer rate applies to the balance you’ve transferred to your Westpac credit card. Any charges or cash advances will be at the standard interest rates (as outlined in your card's Conditions of Use) until they are paid in full. See our current standard interest rates. To qualify for interest free days on spending the full outstanding balance on your card will need to be paid in full by the payment due date excluding any balance transferred balance.