![]() Read the Online Banking terms and conditions (PDF 408KB) available at . The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. You need to register for Online Banking before you can set up a SmartPlan. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.Ä¡ SmartPlan: SmartPlan is currently available for eligible Westpac consumer credit cards. ![]() If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. **Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 15th June 2023 and 1st November 2023, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. $50 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. ![]() Cashback is only available on one credit card account per customer. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility.
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