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The best thing about this card is there’s no annual fee for the life of the card. The downside of this is that it’s not a rewards card, therefore you can’t earn points when using this card.
The Westpac mobile banking app is quite easy to use and very stable. It has also been quite safe to use this card so far.
While the interest rate is high, I have found that Westpac’s credit card insurance is good.
They provide alerts when a charge is atypical and they promptly investigated when I told them that a thief had placed certain charges against my card. Much to my relief, they investigated the dodgy business, reported it to the police who also investigated the matter, and removed the incorrectly charged amounts on my credit card.
I have had the Westpac 55 Day Platinum Visa Card for about five years now and have no complaints whatsoever. It wasn’t always the platinum card but I received an offer from Westpac not long ago to upgrade to platinum at no cost to me. Of course I accepted.
The card comes with all the extra benefits you expect from platinum, such as complimentary travel insurance.
I love my Westpac Platinum Visa and would not consider changing for anything.
I travelled to the Mediterranean for a holiday and I ended up in hospital with a mild stroke. The travel insurance I got with my card would have come in handy for my expenses, but fortunately Malta has an agreement with Australia. For the first six months in the country, medical care is free. But QBE insurance company were going to support me all the way if needed.
It’s a good card with no frills. We have had this since the bank introduced it. We pay all our bills on it, and book airfares and cruises on it, and it has the benefit of added travel insurance as we travel a lot. We can use it overseas in most countries.
Good card if I pay on time, which I always do. I like the bonus travel insurance and extra warranty. I don’t pay fees because my home loan is attached as part of the package. I would recommend to my friends and family if they pay on time and have a home loan package attached to their card.
I travel overseas about three months a year and this card saves me a lot in insurance fees as it is a free extra. Also, no annual fee as I always exceed their spend amount. I have been with Westpac for over 50 years and they have always resolved any queries in my favour.
The points on this card are capped at 7500. I have one credit card with a limit of $3100. I will be deleting this card soon as the debt (even with full balance available) is seen as a liability, and it outweighs any rewards. If the rewards were higher, I would consider keeping it.
This is my very favourite Visa card. I use it all the time as my major credit card and have all my direct debit payments made from this card. Their consumer support is second to none and the very few problems I have had have been sorted very quickly by courteous and knowledgeable staff.
I particularly like the complimentary travel insurance too. Some of the other cards have this insurance, but only for international travel. My card covers me for inter-state travel and I use it a lot. Great card!
For what it is, there are no frills, but there are no extras to pay for either. There is a basic annual fee, there’s the added security of insurance, and there’s the 55 day interest-free period. There is no rewards package, but that is all made very apparent in the documentation from the bank. Very useful.
|Interest rate||Period||Fee||Limit||Revert rate|
|Purchases||0% p.a.||9 months||N/A||N/A||19.84% p.a.|
|Cash advances||1.77%||21.29% p.a.|