With features suited for a first time credit card applicant like no annual fee for the first year, a locked low credit limit, flexible repayment options and no silly rewards programs to worry about, the My First Credit Card from Heritage is a great credit card for those looking for a first credit card for that young adult looking to start managing finances.

Low Limit

One of the biggest potential pitfalls for new owners of credit cards is the seemingly free access to money. With a credit card of even a few thousand dollars, trouble is just around the corner. Maxing out and then being unable to pay off a credit card is the fastest way into financial trouble. With a low limit on the credit card, though it can still be maxed out, the damage is highly mitigated.

The Heritage My First Credit Card has a locked limit of $500 to keep first time credit card applicants in check as they learn how to balance the freedom of spending with a credit card. Keeping spending down below $500 has a wonderful way of teaching a lesson without ruining credit forever.

Flexible Repayment

As another wonderful feature for new card owners, the Heritage My First Credit card offers very flexible repayment options.

Each month, the minimum repayment is only 5% of your total balance or $30, whichever is greater. Should a balance ever need to be carried this flexible repayment option ensures that you never quite get in over your head, a great teaching tool for credit debt for the first time credit card holder.

Competitive Rates

Interest rates are the most important factor when deciding on a credit card. The Heritage My First Credit Card offers very competitive interest rates for an introductory credit card. For the first 13 months of holding the card a remarkably low introductory interest rate is available. At only 8.95% for the first 13 months, the My First Credit Card is both practical and extremely affordable.

Though the 8.95% introductory rate is temporary, it is quite lengthy at 13 months. After the promotional 13 months has expired, the normal rate for the credit card is still a competitive 16.75%.

Interest Free

A great way to save money on a credit card is to minimize your interest charges. With the Heritage My First Credit Card, you can get up to 25 days of free interest on all card purchases. With practically the entire month free of interest a healthy amount of money can be saved every billing cycle and really help new card owners.

Qualifying for the free interest is actually quite easy. To qualify one must simply pay off the balance in full of the previous interest free cycle. This means that if you are responsible and keep your balance clear every month, you are free to enjoy practically permanent free interest. Never before has having a credit card been easier and cheaper.

Apply Now for the Heritage My First Credit Card

With features like an aggressive and competitive introductory rate, customizability, flexible repayment schedule and varied credit limits, the Classic Basic Credit Card is sure to meet all your needs for a new credit card applicant.

Cheap Annual Fee

Typically, credit cards charge fees every year and those fees can be quite pricey. The Heritage Gold Basic Credit Card is a different animal. Rather than a flat, unavoidable annual fee, the Heritage Gold Basic Credit card offers the option to have the annual fee waived.

In order to waive the normal annual fee of $18, one simply must spend a total of over $10,000 over the course of the 12-month period. Should the limit not be reached or exceeded, the annual fee remains $18 still a very competitive rate in comparison to other credit cards on the market.

25 Days Free Interest

A great way to save money on a credit card is to minimize your interest charges. With the Heritage Classic Basic Credit Card, you can get up to 25 days of free interest on all card purchases. With practically the entire month free of interest a healthy amount of money can be saved every billing cycle.

Qualifying for the free interest is actually quite easy. To qualify one must simply pay off the balance in full of the previous interest free cycle. This means that if you are responsible and keep your balance clear every month, you are free to enjoy practically permanent free interest. Never before has having a credit card been easier and cheaper.

Custom Card

One of the coolest features about the Heritage Classic Basic Credit Card is the ability to customize the card with virtually any photo you choose. For only $15, you can carry your favorite photo of your kids, family or pet with you wherever you go.

By using a simple online website, you can upload a photo, pay your $15 fee for each card you choose and before you know it, you’ll have your very own custom Heritage Classic Basic Credit Card.

Range of Credit Limit

The Heritage Gold Rewards Credit Card offers a varied amount of overall limit for those that qualify for the program. With a massive range of limits ranging from $1,000 to $10,000 there is sure to be a limit that matches the needs for any individual or family.

With a range that extends to a fairly low amount to a relatively large amount, the Heritage Classic Basic Credit Card is a perfect solution for new credit card owners and sure to meet your needs when beginning your credit card experiences.

Flexible Repayment

As another wonderful feature for new card owners, the Heritage Classic Basic Credit card offers very flexible repayment options.

Each month, the minimum repayment is only 5% of your total balance or $30, whichever is greater. This way you are sure to always be able to afford your monthly balance should you happen to need to spend a little extra that month.

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With compelling features like no annual fee, a range of credit limits, flexible repayment options and no silly rewards programs to worry about, the No Frills Gold Credit Card from Heritage is a great credit card for those looking for a simple, easy to use and cheap credit card.

Competitive Rates

The No Frills Gold Credit Card is just that- no promotions, no rewards programs and no introductory periods to worry about. From the moment you receive the No Frills Gold Credit Card from Heritage you are granted an already low interest rate that will never change.

At a low interest rate of just 11.80%, you are sure to save money with the No Frills Gold Credit Card by having a low interest rate that is never going to change.

No Annual Fee

Another great feature of the No Frills Gold Credit Card from Heritage is the concept of no annual fee. Typically with a credit card there are annual fees that must be considered. Many of the other cards offered from Heritage have waivers should a certain amount be spent but with the No Frills card, no promotions like this need be worried about.

With the Heritage No Frills Gold Credit Card, you are sure to never suffer an annual fee regardless of usage. Use it as much or as little you want without having any an annual fees. Free credit, what could be better?

Custom Card

One of the coolest features about the Heritage No Frills Gold Credit Card is the ability to customize the card with virtually any photo you choose. For only $15, you can carry your favorite photo of your kids, family or pet with you wherever you go.

By using a simple online website, you can upload a photo, pay your $15 fee for each card you choose and before you know it, you’ll have your very own custom Heritage No Frills Gold Credit Card.

Flexible Repayment

As another wonderful feature for new card owners, the Heritage No Frills Gold Credit card offers very flexible repayment options.

Each month, the minimum repayment is only 5% of your total balance or $30, whichever is greater. This way you are sure to always be able to afford your monthly balance should you happen to need to spend a little extra that month.

Range of Credit Limit

The Heritage No Frills Gold Credit Card offers a varied amount of overall limit for those that qualify for the program. With a massive range of limits ranging from $5,000 to $50,000 there is sure to be a limit that matches the needs for any individual or family.

With a range that extends to a fairly low amount to a relatively large amount, the Heritage No Frills Gold Credit Card is a perfect solution for new credit card owners and sure to meet your needs when beginning your credit card experiences.

With these exceptional suite of features, the Heritage No Frills Gold Credit Card is sure to meet your needs either as another credit card or as your primary card.

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With features like an aggressive and competitive introductory rate, customizability, flexible repayment schedule and varied credit limits, the Gold Basic Credit Card is sure to meet all your needs for a new credit card applicant.

Competitive Rates

Interest rates are the most important factor when deciding on a credit card. The Heritage Gold Basic Credit Card offers very competitive interest rates for an introductory credit card. For the first 13 months of holding the card a remarkably low introductory interest rate is available. At only 8.95% for the first 13 months, the Gold Basic Credit Card is both practical and extremely affordable.

Though the 8.95% introductory rate is temporary, it is quite lengthy at 13 months. After the promotional 13 months has expired, the normal rate for the credit card is still a competitive 16.75%.

Cheap Annual Fee

Typically, credit cards charge fees every year and those fees can be quite pricey. The Heritage Gold Basic Credit Card is a different animal. Rather than a flat, unavoidable annual fee, the Heritage Gold Basic Credit card offers the option to have the annual fee waived.

In order to waive the normal annual fee of $36, one simply must spend a total of over $20,000 over the course of the 12-month period. Should the limit not be reached or exceeded, the annual fee remains $36- still a very competitive rate in comparison to other credit cards on the market.

Repayment Flexibility

As another wonderful feature for new card owners, the Heritage Gold Basic Credit card offers very flexible repayment options.

Each month, the minimum repayment is only 5% of your total balance or $30, whichever is greater. This way you are sure to always be able to afford your monthly balance should you happen to need to spend a little extra that month.

Varied Credit Limit

The Heritage Gold Rewards Credit Card offers a varied amount of overall limit for those that qualify for the program. With a massive range of limits ranging from $5,000 to $50,000 there is sure to be a limit that matches the needs for any individual or family.

With a range that extends to a fairly low amount to a relatively large amount, the Heritage Gold Basic Credit Card is a perfect solution for new credit card owners and sure to meet your needs when beginning your credit card experiences.

Customized Card

One of the coolest features about the Heritage Gold Basic Credit Card is the ability to customize the card with virtually any photo you choose. For only $15, you can carry your favorite photo of your kids, family or pet with you wherever you go.

By using a simple online website, you can upload a photo, pay your $15 fee for each card you choose and before you know it, you’ll have your very own custom Heritage Gold Basic Credit Card.

With these exceptional suite of features, the Heritage Gold Basic Credit Card is sure to meet your needs either as another credit card or as your primary card.

If You Want Gold from the Heritage, Now is Your Chance

With cash- that rarely happens. You know how much cash you have on hand and when it’s out- you’re broke. Cash, however, it not as convenient. It can easily be stolen and for large purposes, is quite cumbersome to carry enough to cover the purchase. This is where a debit card shines.

Credit Card Power

With a debit card, you have a unique set of powers that usually is only granted to a credit card. You can make purchases virtually anywhere, including online, however, instead of having the risk of being surprised with a month-long debt, rather, you can track your spending just like cash.

With a Heritage Visa Debit Card your spending is always connected to your bank account, making it easy to track spending and make sure you haven’t spent too much. With every purchase, that amount is directly debited from your account, giving you an up to the minute update to the status of your finances, much like looking inside a wallet to see how much cash you’ve got left.

Card Flexibility

Not only does the Heritage Visa Debit Card give you purchasing power of a credit card but it also gives you quite vast flexibility within a single card.

With the same Heritage Visa Debit Card you can make a purchase at your favorite retail outlet and then just as easily walk to an ATM and withdraw cash using the same card. The Heritage Vista Debit Card operates as a purchasing credit card type debit card as well as an ATM card all within a single package.

In addition to that, you can still make purchases over the Internet and over the phone just like a credit card would.

Fee Free Credit Card

Most credit cards carry an annual fee with them ranging from $20 to $100 each year. This can be a costly expense just for the convenience of credit. With the Heritage Visa Debit Card, you have access to credit-like power without the fees.

At a point of sale where debit is not accepted or not preferred, many times you can simply select ‘credit’ during the transaction and it will be processed as such. These transactions incur no fees and you may enjoy the power of credit card-like spending without having to suffer the fees that normally go along with it.

Custom Card

One of the coolest features about the Heritage Visa Debit Card is the ability to customize the card with virtually any photo you choose. For only $15, you can carry your favorite photo of your kids, family or pet with you wherever you go.

By using a simple online website, you can upload a photo, pay your $15 fee for each card you choose and before you know it, you’ll have your very own custom Heritage Visa Debit Card.

Get Your Own Heritage Visa Debit Card Now

With features like an aggressive and competitive introductory rate, rewards program, customizability, flexible repayment schedule and varied credit limits, the Classic Rewards Credit Card is sure to meet all your needs.

Interest Free

A great way to save money on a credit card is to minimize your interest charges. With the Heritage Classic Rewards Credit Card, you can get up to 25 days of free interest on all card purchases. With practically the entire month free of interest a healthy amount of money can be saved every billing cycle.

Qualifying for the free interest is actually quite easy. To qualify one must simply pay off the balance in full of the previous interest free cycle. This means that if you are responsible and keep your balance clear every month, you are free to enjoy practically permanent free interest. Never before has having a credit card been easier and cheaper.

Easy Fees

Typically, credit cards charge fees every year and those fees can be quite pricey. The Heritage Classic Rewards Credit Card is a different animal. For the first year of having the card, there is no annual fee to use the card.

Though there is only a 12-month promotion that keeps the card free from annual fee, at the end of that period the annual fee is only $48, quite affordable in comparison to other credit cards available from other institutions.

Competitive Rates

Interest rates are the most important factor when deciding on a credit card. The Heritage Classic Rewards Credit Card offers very competitive interest rates for an introductory credit card. For the first 13 months of holding the card a remarkably low introductory interest rate is available. At only 8.95% for the first 13 months, the Classic Rewards Credit Card is both practical and extremely affordable.

Though the 8.95% introductory rate is temporary, it is quite lengthy at 13 months. After the promotional 13 months has expired, the normal rate for the credit card is still a competitive 16.75%.

Rewards Program

Heritage offers a unique rewards program known as Heritage Credits. With these credits, you can use them as a currency to purchase special items from Heritage. The kinds of items available vary each month but are all equally spectacular.

This month some of the featured items are an inflatable bed, brushed stainless steel kitchen scale, Joseph Joseph Y pepper mill and grinder, iPod shuffle, iPod docking station, various magazine descriptions, gift cards to various retailers and special discounts on rentals and vacation packages. There are many different great rewards available through the Heritage Credits Program.

To start earning Heritage Credits, simply spend at least $1,000 each month with your Heritage Classic Rewards Credit Card and begin earning credits toward your super cool rewards items!

There are many great reasons to apply for a Heritage Classic Rewards Credit Card, chief among them wonderful promotional interest periods and a very generous rewards program. If that isn’t enough then when you are approved you can also create a custom card with a photo of your choosing. How cool is that?

]]> http://www.noannualfeecreditcard.com.au/heritage-classic-rewards-credit-card-2.html/feed 0 http://www.noannualfeecreditcard.com.au/heritage-gold-rewards-credit-card.html http://www.noannualfeecreditcard.com.au/heritage-gold-rewards-credit-card.html#comments Fri, 29 Jul 2011 04:40:53 +0000 manvinder http://www.noannualfeecreditcard.com.au/?p=508 There are a lot of credit card offers out there in the world and it may be difficult to decide in the veritable forest of offerings. Heritage Building Society offers a compelling suite of offers on their Gold Rewards Credit Card that may make that decision quite a bit easier.

With features like an aggressive and competitive introductory rate, rewards program, customizability, flexible repayment schedule and varied credit limits, the Gold Rewards Credit Card is sure to meet all your needs.

Competitive Rates

Interest rates are the most important factor when deciding on a credit card. The Heritage Gold Rewards Credit Card offers very competitive interest rates for an introductory credit card. For the first 13 months of holding the card a remarkably low introductory interest rate is available. At only 8.95% for the first 13 months, the Gold Rewards Credit Card is both practical and extremely affordable.

Though the 8.95% introductory rate is temporary, it is quite lengthy at 13 months. After the promotional 13 months has expired, the normal rate for the credit card is still a competitive 16.75%.

Free Interest

A great way to save money on a credit card is to minimize your interest charges. With the Heritage Gold Rewards Credit Card, you can get up to 25 days of free interest on all card purchases. With practically the entire month free of interest a healthy amount of money can be saved every billing cycle.

Qualifying for the free interest is actually quite easy. To qualify one must simply pay off the balance in full of the previous interest free cycle. This means that if you are responsible and keep your balance clear every month, you are free to enjoy practically permanent free interest. Never before has having a credit card been easier and cheaper.

Varied Limits

The Heritage Gold Rewards Credit Card offers a varied amount of overall limit for those that qualify for the program. With a massive range of limits ranging from $5,000 to $50,000 there is sure to be a limit that matches the needs for any individual or family.

Great Rewards Program

Heritage offers a unique rewards program known as Heritage Credits. With these credits, you can use them as a currency to purchase special items from Heritage. The kinds of items available vary each month but are all equally spectacular.

This month some of the featured items are an inflatable bed, brushed stainless steel kitchen scale, Joseph Joseph Y pepper mill and grinder, iPod shuffle, iPod docking station, various magazine descriptions, gift cards to various retailers and special discounts on rentals and vacation packages. There are many different great rewards available through the Heritage Credits Program.

To start earning Heritage Credits, simply spend at least $1,000 each month with your Heritage Gold Rewards Credit Card and begin earning credits toward your super cool rewards items!

Custom Card

One of the coolest features about the Heritage Gold Rewards Credit Card is the ability to customize the card with virtually any photo you choose. For only $15, you can carry your favorite photo of your kids, family or pet with you wherever you go.

By using a simple online website, you can upload a photo, pay your $15 fee for each card you choose and before you know it, you’ll have your very own custom Heritage Gold Rewards Credit Card.

Apply Today for the Heritage Gold Rewards Credit Card

What’s more, if you make any purchases that cost more than $250 at a later point, these will also come under the 6 months interest free banner. This offers you a great way to pay for that holiday you always wanted, or to purchase that new TV, or to cover emergency car repairs without the fear of a huge interest bill accruing while you pay it off.

Interest Free Benefits

The GEM Visa Credit Card allows you to benefit from paying no interest on certain purchases for 6 months. For any purchase you make using your GEM credit card that is over $250, you’ll receive 6 months interest free.

With most other credit cards, the interest free period extends only from the time your account is approved and is valid for just the first six months only. This is where GEM offers such a huge advantage.

By comparison, the GEM Visa credit card allows you to receive 6 months interest free on all purchases over $250. In fact, you may even find that during special promotions, you’re able to receive even longer interest free terms.

It’s very important to keep track of which purchases were made on which dates. This will make it easier for you to track which amounts are still not attracting any interest. It should also make it much easier for you to see how much of your interest free balance is remaining to be repaid before you begin attracting interest charges.

Interest Free on Smaller Purchases

While the offer of paying no interest on purchases over $250 for 6 months is attractive, there may be times when you wish to purchase something for a smaller amount of money.

If you spend less than $250 on a purchase transaction, you may still be able to benefit from GEM’s 55 day interest free offer. In order to qualify for the 55 days interest free on other purchases, you will need to consider the following:

• You must have paid your minimum monthly repayment on any unexpired interest free purchase amounts on time
• You must also repay the amounts you spent on purchases that were under $250 on or before the statement due date in full.

If you can repay the smaller amounts you spent, and cover the minimum payment due on the larger interest free amounts you spent, you could find that you pay no interest at all on your credit card spending.

Here is a quick example of how this works:

Balance for unexpired purchases over $250: $1,000

Balance for small purchases under $250: $230

In this example, you would still be receiving the interest free benefit on the outstanding amount for $1,000. However, you will still need to make at least the minimum monthly payment due before the due date. This is usually set at around 3% of the balance, so in this example, your minimum monthly payment would be $30.

Yet if you can also repay the balances in full for the small purchases before the due date, you won’t pay any interest on that portion at all. This may require a bit of discipline and you may need to double-check your statement to be sure you’re paying the right amounts at the right times.

Using Your GEM Visa Credit Card

Your GEM credit card can be used at any retail outlet or merchant store wherever the VISA logo is displayed. This gives you millions of outlets worldwide that will accept payment from your credit card, including more than 10,000 stores Australia-wide.

If you wish to withdraw cash from your GEM Visa card, you should look for a handy Westpac ATM. Using any Westpac ATM around Australia will save you money on fees, as you won’t be charged the foreign ATM fee that most other banks will charge you for using their machines.

GEM Visa payWave

The new payWave technology can allow you to swipe your GEM Visa card to pay for any purchases under $100 quickly and easily. Simply hold your card near the card reader and wait for it to recognise your card. When the lights on the reader go green, your payment has been processed and you can go. There is no need to sign a name or enter a PIN.

payWave technology scares some customers, but there is no need to fear with GEM’s added safety and anti-fraud security features. If you worry that their card can be accidentally read by a payWave card reader just by walking past it, think again. You physically need to hold your card up to the reader. It can’t simply scan your card just by walking past it.

GEM Visa Anti-Fraud Security

Your GEM Visa card is protected by some of the strictest security measures available. Your card protected using a built-in micro-chip that makes it more difficult for thieves or fraudsters to access your personal information if your card is ever lost.

If your card is ever used in a fraudulent transaction, GEM offers you a money back guarantee. You won’t be held responsible for any transactions that were not authorised by you. It is important that you notify GEM immediately in this event.

Interest Rates

The current purchase interest rate on the GEM Visa Credit Card is The same rate is current for cash transactions too.

However, it’s important to note that customers who take advantage of the GEM Visa credit card interest free offer will not pay any interest at all on purchases made during the promotional term. Only balances that remain after the interest free promotional term expires will attract the standard purchase interest rate.

Fees and Charges

The GEM Visa credit card does come with an annual fee of , but this amount will not be charged to your account until after you make your first purchase.

If you decide to withdraw case from your credit card, you may also be charged a cash advance fee. The fee is calculated at 3% of the amount you withdraw, or $3, whichever is the higher amount. The highest cash advance fee you can be charged is capped at $30.

Penalty Fees and Charges

Keep in mind that if you spend more money on your credit card than your approved credit limit, you may be charged a $5 over limit fee. You can avoid this fee by ensuring that you keep your credit card balance below your approved limit. Check your balance regularly to be sure you aren’t getting close to the amount you’re able to spend.

If you are late with your repayments during any statement cycle, you will attract a $25 late payment fee. Always keep track of when your repayment is due and aim at making at least the minimum monthly payment due on or before this date.

If you use BPAY to make your repayments, always ensure you make your payment approximately 2 working days before the due date shown on your statement. BPAY payments can sometimes can a couple of working days to appear on your account.

Applying for Your GEM Visa Card

Applying for your GEM Visa credit card is quick and easy. Simply submit your application online and you could receive a pre-approval in less than 60 seconds. Be aware that you will need to fill out all the fields in the application, or this could delay your approval time while the lender asks you to verify further information. Double check your responses and try not to leave any areas blank.

The online application form is quite easy, but you will need to provide some information for your application to be processed. This will include:

- ID, such as driver’s licence

- Contact address and email address

- Employer’s contact details

- Income verification, such as pay slips or group certificate

- Information about your current debts and repayments to other lenders

You must be over the age of 18 to apply and you must also be a permanent Australian resident.

The key to success with this type of plastic is to make sure that it will fit your needs. The ideal candidate is a cardholder who will not spend a great deal of money on their cards and who will pay off the full amount at the end of each month. This allows you to both save money while not giving up potential rewards.

As our economy has gotten a bit tighter, card issuers have also gotten tighter with their budgets, and they are also getting tighter with these kinds of offers. The reason is simple, if there is no annual fee and the cardholder never incurs any interest charges then the issuer never makes any money. Not great for the issuing banks, but a truly excellent situation for the consumer. However, even in this tough time, the larger banks are stilling offering great deals to good customers.

Getting The Right No Annual Fee Credit Card

Step One – Make sure they are right for you. If you carry your balance from month to month or spend large amounts on your card, you may be better served with either a low interest option or one that offers rewards.

Step Two – Check your credit score. If you have a good credit file, you should be able to get most any cards. However, if you have a poor credit score, it will be more difficult and you may have to settle for higher interest rates.

Step Three – Research your option. No all fee free cards are created equal. Some will offer to waive fees every year for the life of the card while others will only do so for the first year. There are even cards that only waive the yearly charges once you have reached a minimum spending amount. Make sure the card you apply for has the deal that you really want and that suits your budget.

No annual fee credit cards can save you a great deal of money in the long run. Before you make any decision about plastic, do some evaluation of your spending habits to make sure the card you wind up with will be beneficial to your finances instead of further burdening them.

The Westpac 55 Day Card

Attracting new credit card customers has been tricky lately for all the major lenders, so they have all been working hard to create a “too good to miss” offer for new customers. What Westpac have created with their 55 day card well and truly over delivers!

This is a card that allows to spend without racking up interest charges, and helps you pay off existing debts with a great low balance transfer rate. Let’s have a look at the features of the card and see how it could benefit your wallet!

• Balance transfer rate – 3.99% p.a. for 6 months
• Standard interest rate – 0% p.a. for 5 months (reverts to 19.59% p.a.)
• Cash advance interest – 21.49% p.a.
• Annual fee – $0 annual fee for the first year ($30 thereafter)
• Interest free days – Up to 55
• Rewards programs – No

Great  transfer rate – High interest fees are one of the biggest reasons people run up large credit card debts. With the Westpac 55 Day Card offering customers a great low rate of just 3.99% p.a. for 6 months, it becomes a great money saver.

Considering many credit cards have a standard rate of 21% upwards you can see how much money you could save on a larger outstanding balance.

Interest free days – If you are the type of card user that likes to spend on their credit card for day to day purchases and then pay them off at the end of the month then this card will also suit you perfectly.

Westpac give you up to 55 days interest free on purchases, giving you breathing space between buying something, and having to pay for it!

Low Interest Rate

If you are a new Westpac customer then when your new credit card is activated you get the benefit of a low interest rate on new purchases.

That means you have to pay a low interest rate. If you need to replace your wardrobe, or need a holiday then this card will give you the freedom to do it. As long as you make sure you pay off any outstanding balance at the end of the 5 month promotional period you will not pay a cent more than the purchase price.

Applying is easy

Although you can phone up, or visit a branch to apply, if you have a computer and an Internet connection you can apply for one of these credit cards, and get a decision almost instantly.

There are tons of new credit card deals hitting the market everyday, however there are few standard deals that stand out quite as much as this great card from Westpac. If you are sitting in front of your computer right now, then get clicking and get this card in your wallet today.