Card Features
Card Issuer
WestpacSingapore Airlines Gold
The Westpac Singapore Airlines Gold credit card offers 5,000 KrisFlyer miles with your first purchase and an introductory balance transfer offer of 3.99% p.a. for the first 6 months. It also comes with a range of complimentary insurance covers including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
With this credit card you can earn up to 1 mile for every $1 spent using your American Express card or 0.5 miles for every $1 spent using your Visa card and when you purchase at singaporeair.com you can earn double KrisFlyer miles.
Rates & Fees
| Interest Rate | Balance Transfer | Annual Rate | Interest Free |
|---|---|---|---|
| 19.49%p.a. | 0.99%6 months | $125 | 45 days |
Key Features
- Receive 5,000 KrisFlyer miles on your first purchaseand up to 1 mile for every $1 that you spent
- Complimentary Insurance Covers (Overseas Travel, Transit Accident, Purchase Security and Extended Warranty)
- Protected by CardShield with optional credit card repayment protection
Pros & Cons
Pros
- 5,000 Bonus KrisFlyer miles on your first purchase
- 0.99% p.a. for the first 6 months on balance transfers
- A range of complimentary insurance covers
- Protected by CardShield with optional credit card repayment protection
Cons
- High purchase rate of 19.49% p.a.
- High cash advance rate of 20.74% p.a.
Application Criteria
- You must be at least 18 Years of Age
- You must be a Permanent Resident or Australian Citizen
- You must have a Good Credit History
- You must earn the Minimum Income of $35,000 p.a.
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TweetTerms and Conditions
Information current as at 15 March 2011. Important: Customers with Westpac packaged or switched credit cards or Westpac Group Employees are not eligible for the bonus KrisFlyer Miles offer or the special balance transfer offer. Credit card applications are subject to Westpac's normal lending criteria. Fees and charges are payable. Terms and conditions are available upon request or on westpac.com.au. These may be varied or new terms and conditions introduced in the future. Singapore Airlines Westpac Gold Cards are issued by Westpac Banking Corporation. Information about a third party's products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services. While such material is published with permission, Westpac Banking Corporation accepts no responsibility for its accuracy or completeness.
1. If you are eligible, usually within 45 days of your first eligible purchase transaction using your Singapore Airlines Westpac Cards, the 5,000 KrisFlyer promotional miles will be transferred by Westpac to Singapore Airlines for crediting to your KrisFlyer account. If Westpac does not hold your valid KrisFlyer membership number, these miles will be transferred to your KrisFlyer account usually within 45 days of your providing this number to Westpac. Transfer of miles is subject to Terms and Conditions.
2. The annual fee is subject to change.
3. This promotional rate is available to customers who are applying for Singapore Airlines Westpac Gold card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.49% p.a. and will be treated as purchases with no interest free days applying to them. Payments you make are first applied to any balance transfer amounts attracting the promotional interest rate before to any other purchase or cash advance balance, so the balance attracting the promotional rate will be paid off first.
4. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac Gold credit cards and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac Gold Card Conditions of Use (PDF 488 kb) Important Notice Important changes to Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 184KB). Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances refer to your Cards Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights. Double miles are only earned when Singapore Airlines tickets are purchased online for travel originiating from the issuance place of your American Express Singapore Airlines KrisFlyer Gold Credit Card. The number of double miles earned will be based on the purchase value of the ticket and not the actual distance flown. Purchase of SilkAir tickets is not eligible for double miles.
5. The range of insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 to Westpac Banking Corporation under separate Master Policies under which Zurich is liable for the separate risks insured. The benefits of the insurance are extended to Westpac's cardholders (as third party beneficiaries) as complimentary benefits. The selected cover is subject to the terms, conditions and exclusions of each policy. No Westpac Group Company has any liability in connection with the policies. More details and policy wording may be obtained by calling 1300 661 324 or by selecting Singapore Airlines Westpac Gold Credit Cards Insurance Policy (PDF 336 kb).
6. The Product Disclosure Statement (PDS)