You now have a choice when verifying transactions with certain credit cards; either sign as normal or key in your PIN.
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This tool can help you choose the right card. |
Use this tool to compare the features of our cards. |
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 | Singapore Airlines Westpac Gold
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 | Singapore Airlines Westpac Platinum
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The Ignite Card is not currently available for new applications. |
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Got a question about Credit or Debit Cards? 
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.
1.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 are 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.
2. If you obtain a credit card as part of a Westpac package or switch from an existing Westpac card, you are not eligible for the bonus points described. Promotion not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within eight weeks of when you first use your card. Altitude points not earned on cash advances. You must have a minimum of 3,000 points balance before you can redeem for any rewards. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. You do not receive points if your card account is in arrears for two consecutive statement cycles. You are not entitled to points in other circumstances – see the Altitude Rewards Terms and Conditions.
3. 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 859 100 or by downloading the Gold Card Insurance Conditions of Use or the 
55 Day Platinum Card Insurance Policy (PDF 331kb).
4. On credit purchases only, where account balance (including any balance transfer amount) 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.
5.The introductory rate of 0% p.a. on purchases for the first 5 months is only applicable on credit purchases made using your 55 Day card within 5 months from the date your account is opened. After that 5 month period, the introductory purchase interest rate of 0% p.a. will switch to the standard purchase interest rate, (currently 17.74% p.a. and subject to change) then applicable to your product. The introductory rate is applicable to credit purchases only and excludes cash advances and balance transfers. This special promotion is subject to change and is not available to customers who obtain a 55 Day card as part of a Westpac package; or who switch from an existing Westpac card. For a limited time only, only new 55 Day card applications received from 1 May 2008 will avail of this special offer. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
6. The earning of Qantas Frequent Flyer points through the use of Earth or Earth Gold Cards is subject to the Earth Conditions of Use (PDF 265kb), or through the use of Earth Platinum Cards is subject to the Earth Platinum Conditions of Use (PDF 265kb) . You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but Westpac has arranged for this to be waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 30 June 2009. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer. Qantas Frequent Flyer points are not earned on cash advances and balance transfers (refer as relevant to the Earth Conditions of Use or the Earth Platinum Conditions of Use for what we regard as cash advances - this includes the purchase of gambling chips and traveller's cheques and ATM withdrawals). You are not entitled to points in other circumstances - refer as relevant to the Earth Conditions of Use or the Earth Platinum Conditions of Use.
7. If you have a balance transfer and do not pay the closing balance (including the balance transfer amount or any other promotion) by the statement due date each month, you will not get the benefit of the interest-free period on purchases. Interest on cash advances is calculated from the date the transaction is debited to your card account. An Ignite Credit Card may not be sent to you if you are in breach of your Terms and Conditions. Full terms and conditions are available on request.
8. There is no annual fee, however other fees and charges apply. Interest rates and fees and charges, other than the annual fee, are subject to change. The current variable interest rate on purchases is 12.99% p.a. and the current variable cash advance rate is 17.74% p.a.
9. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac credit cards and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac gold Credit Cards Conditions of use (PDF 347kb) and the Singapore Airlines Westpac Platnium Credit Cards Conditions of use (PDF 349kb). Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances – refer to your Cards' Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights.
10. Usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac cards, the promotional miles (10,000 for Singapore Airlines Westpac Platinum card; 5,000 for Singapore Airlines Westpac Gold card) will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of your providing this number. Transfer of miles
is subject to the Singapore Airlines Westpac gold Credit Cards Conditions of use (PDF 347kb) and the Singapore Airlines Westpac Platnium Credit Cards Conditions of use (PDF 349kb).
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