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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.
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.
This card has no annual fees and payWave. I’ve never had an issue with it. I always pay back within the 55 days, so it costs me nothing! What more can I ask for?
I don’t really care for rewards, but they are offered. If I was more proactive I could probably get even more value from this card.
It’s a good card. 55 days interest-free really helps me. There are no fees for me because I have my home loan with them. Service is good and it does what I need it to. I’m doing lot of interest-free shopping—quite happy with that. Thanks, awesome!
Well it’s the lightest purse to go shopping with – just slip it in my back pocket and off I go. The greatest thing about it is that I can use it anywhere and everywhere, and later when I get home I can log on to my mobile banking app to check my daily use of the card that day for any incorrect charges or surcharges that aren’t right. It’s much better than cash, coins, and wasted time at checkouts. It’s also great for online shopping, booking concerts, etc.
I have this card cause it makes my life simpler.
I use the card in a smart way as I pay onto it straight away to avoid the fees. This card comes with a Visa and an American Express, which I must admit is a little annoying as that means I now have two cards.
The American Express card earns higher qantas points (1 point per $1) than the Visa (0.5 points per $1), which is annoying as this comes with a surcharge and not always accepted everywhere. Other than that I am very happy with this credit card
|Interest rate||Period||Fee||Limit||Revert rate|
|Purchases||0% p.a.||9 months||N/A||N/A||20.09% p.a.|
|Cash advances||1.79%||21.49% p.a.|