Latest Information
Looking to apply for a new Student Visa Card?
Our Student Visa Card is no longer available. See our full range of available credit cards.
Student Visa Card holders
If you currently have a Student Visa Card nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.
Essentials
Annual card fee and interest free days
- $0 card fee in the first year, $30 in subsequent years
- Up to 55 days interest free on purchases when you pay the closing balance by the statement due date each month
- The purchase rate 13.49% p.a. cash advance rate (20.45%) and annual card fee ($30).
Fees
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | $30, waived in your first year |
| Foreign Transaction Fee | A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee |
| Cash advance fee | An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | A charge of $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Fee will be debited to your account. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. |
| Non-Westpac Group ATM fee |
A balance transfer fee of 1% of the transferred balance(s) will be charged to the 55 Day card account on the same day these balance(s) are debited to the account. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Read our tips to minimise fees.
Details
Credit card repayment protection
Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (AAIL) (issuer of the unfit for work and job loss covers) and TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL) (issuer of the death cover).
TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL).
Westpac is a trade mark of Westpac Banking Corporation ABN 33 007 457 141 and is used by AAIL and TLISL under licence.
This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.
Download the
Credit Card Terms and Conditions (PDF 264KB)
Contact us
Please feel free to contact us anytime on 1300 367 228.