Westpac 55 Day Card

19.84% p.a.

0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

$30 $0 when you spend over $5,000 p.a, $0 in the first year

n/a

Westpac 55 Day Card

19.84% p.a.

0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

$30 $0 when you spend over $5,000 p.a, $0 in the first year

n/a

Mozo Review   Westpac 55 Day Card Review

Last updated: 25 September 2018.

What's hot:
  • $0 annual fee (conditions apply)

  • 0% balance transfer rate for 20 months (2% BT fee applies)

  • Up to 55 days interest free

What's not:
  • 21.29% cash advance rate

Mozo snapshot:

Looking for a classic credit card to help you ditch debt? With an enticing 0% introductory balance transfer rate for 20 months the Westpac 55 Day Credit Card could have you sorted. Better yet, you’ll keep the costs down with the $0 annual fee for the first year, and in each subsequent year when you spend $5,000 or more on purchases.

Key features:

As the name suggests the Westpac 55 Day Credit Card is ideal for cardholders who are wanting to avoid debt, with up to 55 interest free days on your purchases when you pay off your balance in full by the due date. Just make sure you keep track of your payments, otherwise you’ll be stung by the 19.84% purchase rate and the $15 late payment fee. 

If you’re wanting to take advantage of the card’s lengthy 0% balance transfer rate to manage some existing debt be sure to pay if off before the 20 month introductory period ends, as the balance transfer rate reverts back to 21.29%. And bear in mind there is a 2.00% fee of the balance transfer amount if you’re transferring a balance onto the card. 

The Westpac 55 Day Credit Card has a $0 introductory annual fee for anyone in the first year, and a low $30 fee for future years. You’ll even be able to avoid an annual fee altogether after the first year if you spend more than $5000 on purchases each year. 

As part of the Visa network you’ll be able to use your card all over the world, while Visa payPass means you can use your card to tap-and-go for in-store purchases under $100. If you do choose to travel with your card, just watch out for the 3% foreign exchange margin.

Who it's good for:

The Westpac 55 Day Credit Card is great for anyone looking for a low cost credit card with a great introductory balance transfer rate that will enable them to pay off debt over a long period.

Any catches?

Just avoid the temptation to withdraw cash with your card, because you’ll be hit by the 21.29% cash advance rate.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 19.84% p.a.

  • none

  • 0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

  • yes

  • 21.29% p.a.

  • 55

Fees
  • $30.00

  • $0 in the first 1 year

  • 5000

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
5.9/10
Features
6.0/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.0/10

Latest reviews of Westpac 55 Day Card

  • Overall
    7/10
    Unhappy with credit card annual fee

    My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on...

    My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with changing my direct debits.

    Price
    5/10
    Features
    2/10
    Customer service
    6/10
    Convenience
    9/10
    Trust
    9/10

    Diane | Victoria

    reviewed 2 months ago

  • Overall
    3/10
    Loyalty means nothing

    As this is the only bank & credit card I have had, I cannot really compare to other banks. The...

    As this is the only bank & credit card I have had, I cannot really compare to other banks. The times I have had to use have been satisfactory.

    Price
    -1/10
    Features
    5/10
    Customer service
    0/10
    Convenience
    6/10
    Trust
    0/10

    Tarina | Western Australia

    reviewed 8 months ago

  • Overall
    10/10
    Great customer service

    I went to the bank to open a bank account with just my name and in the end I also had an...

    I went to the bank to open a bank account with just my name and in the end I also had an appointment with the advisor for the next day with my husband and myself. By the time we left the next day she had saved us a lot in our home insurance content insurance and we changed our cars over. So all up she was very nice, she knew what she was talking about.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10

    Sue | Queensland

    reviewed 8 months ago

  • Overall
    10/10
    Tops

    Have had no problems with Westpac over the decades I’ve been with them. Always very helpful.

    Have had no problems with Westpac over the decades I’ve been with them. Always very helpful.

    Price
    0/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Ray | Victoria

    reviewed 10 months ago

  • Overall
    7/10
    I'm happy with the service

    It's no different from any other bank.

    It's no different from any other bank.

    Price
    6/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Anitta | South Australia

    reviewed over 1 year ago

Westpac

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

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