55 Day Gold

Cards Customer Service
Call Centre 1300 367 228

A great everyday card with a higher credit limit than the standard 55 Day card and a range of insurance benefits.

Annual fee: $90 (waived for the first year and ongoing when you make purchases of at least $15,000 pa.
Interest rate: 18.99% pa for purchases, 19.99% pa for cash advances
Up to 55 days interest free on credit purchases where your closing balance (including any balance transfer amount or other promotional amount) is paid in full by the due date each month¹

Key features | Insurance | Additional benefits

Key features

As well as all the benefits of a Westpac credit card, you'll enjoy exclusive Gold benefits:

Complimentary Overseas Travel Insurance²
Complimentary Purchase Security and Extended Warranty Insurances²
Complimentary Transport Accident Insurance²
A higher credit limit than standard MasterCard or Visa Card
Optional - Credit Card Repayment Protection

Insurance

Complimentary Overseas Travel Insurance
Purchase your travel using your 55 Day Gold Card and you will receive complimentary comprehensive overseas travel insurance for trips of up to three months. That's a potential saving of hundreds of dollars. You, and your immediate family travelling with you, automatically receive:

Unlimited medical expenses cover
Up to $15,000 cover for lost luggage, personal effects or travel documents
Up to $2.5million of personal liability
Rental vehicle collision damage and theft excess cover of up to $5,000

Plus, in the event of your death or defined injury while travelling on public transport (including aeroplanes) anywhere in the world, you are covered by Transport Accident Insurance³ for up to $250,000.

Shop with complimentary Purchase Security Insurance and Extended Warranty Insurance
Your 55 Day Gold Card gives you 90 days complimentary Purchase Security Insurance³ against loss, theft, breakage or fire for most new items you purchased with your 55 Day Gold Card in Australia and overseas.

Receive complimentary Extended Warranty Insurance¹ of up to one year, in addition to the manufacturer's warranty, on most goods purchased with your 55 Day Gold Card in Australia and overseas.

Additional benefits

Priority Service Line
All 55 Day Gold cardholders have access to a Priority Service Line. You can call us on 1300 367 228, 24 hours a day, 7 days a week.

See interest rate table.

MasterCard Exclusives

For those things money can buy, MasterCard is accepted at more locations worldwide and offers cardholders an exclusive box office ticketing service.

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our ABN & RSE Numbers for Superannuation entities.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

Credit card applications are subject to the Bank's normal lending criteria.

Information contained on this site is current as at 15 December 2008.

Download the Consumer Credit Cards Conditions of Use.

1. On credit purchases only, where the closing balance (including any balance transfer amount or any other promotion) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

2. This insurance is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 which is liable for separate risks insured under the terms of each policy. These insurance products are complimentary and provided free of charge to the cardholder. The cardholder is under no obligation to accept the insurance cover and cover is subject to the conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 367 228 or by downloading the Gold Card Insurance Conditions of Use.

Fees and charges apply to Gold Cards. Full details of current Terms and Conditions are available on request. These may be varied, or new terms and conditions introduced in the future.

# This special rate is only available to customers who are applying for an applicable Westpac card and wish to transfer the balance(s) from a non-Westpac or non-Virgin credit card(s), charge card(s) or store card(s). Each balance transfer must be a minimum amount of $200. This promotion is only available at point of new card application. The special balance transfer promotional rate will apply from the time the balance transfer is made to your account for the number of months specified in the offer (unless these amounts are paid off earlier). After this time, any amount of the initial balance transfer still outstanding will attract the standard product interest rate then applicable to cash advances. Subsequent balance transfers made after point of new card application will be charged the standard product interest rate applicable to cash advances. Please note that payments made to the credit card are first applied to amounts transferred from other credit cards, charge cards or store cards under this offer, before they applied to any other cash advance or purchase amount. This will mean that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first and you will not gain the benefit of any interest-free days on purchases until the full balance (including any balance transfer or any other promotional amount) is paid by the statement due date each month.