Balance transfer calculator


You could save on interest charges on hire purchases, store cards, or another bank's credit card or personal loan, by transferring your debts to a Westpac credit card instead. Calculate how much you can save Apply now to transfer your balance


Calculate how much you can save

Given the information you've supplied, it doesn't look like transferring this balance would save you much, if anything.

you might want to check that the interest rate you entered is correct and try again
or, contact Westpac to discuss how we can save you money on your card

> visit your nearest Westpac Branch

> or call us on 0800 888 111

Recalculate savings

Your outstanding balance Transferring your balance to Westpac

Amount to transfer $

Your current interest rate % p.a.

Amount to transfer $

Balance transfer rate 4.95% p.a.

Transferring your balance could save you:
$ over 6 Months,* or
$ over 12 Months, *

Unlike many other balance transfer deals, this rate doesn’t expire after six months – so you’ll pay the same low rate on the transferred balance, until it’s paid off. So why not start now.

Balance Transfer - Things you should know

This special rate of 4.95% p.a. is for a limited time only and applies to successful balance transfer applications to any Westpac credit card received between 16 January 2012 and 31 March 2012.
You will need a Westpac credit card for a balance transfer.
A credit card balance transfer application form will need to be completed.
Balance transfers are subject to Westpac approval.
Your Westpac credit card must remain within its limit and Westpac Credit Card Conditions of Use apply.
You can apply to transfer balances from other bank’s credit cards or personal loans, hire purchases and store cards.
You can’t transfer a balance from a Westpac card or loan.
You will need to keep making payments on all your transferred accounts until the Balance Transfer is complete and you have confirmation from Westpac that the accounts have been credited.
You are responsible for all late payment charges and any other payments on your accounts, including any costs to close those other accounts.
Payments made to your Westpac credit card will be applied against balance transfers before all cash advances and other purchases, but after all charges and interest that has been accrued.

Apply now to transfer your balance

I don’t have a Westpac credit card yet		I’m an existing Westpac credit card customer
>	choose a Westpac credit card	>	download the credit card balance transfer application form
>	apply online for a credit card & balance transfer now
>	or download the credit card application form (click here for Ultimate Credit Card Account applications) and once approved, you can apply for a balance transfer

Or get in touch with us directly to arrange your balance transfer
>	visit your nearest Westpac branch
>	or call us on 0800 888 111 (24 hours, 7 days a week)

Want to go ahead and transfer your balance?

> download the credit card balance transfer application

> or visit your nearest Westpac Branch

> or call us on 0800 888 111 (24 hours, 7 days a week)

If you don't have a Westpac credit card yet, you can apply online now or download a credit card application form

> apply online for a credit card now

> download a credit card application form now

> download a Titanium MasterCard� application form now

> visit your nearest Westpac branch

> or call us on 0800 888 111 (24 hours, 7 days a week)

*This is an estimate only. The calculated savings are provided for illustrative purposes only and are based on the accuracy of the information entered. It does not constitute a quote or offer by Westpac. This savings calculator provides approximate savings only based on the promotional balance transfer rate of 4.95% p.a which applies to the amount transferred and is valid until the balance is paid off in full. Interest charge calculation methodology and rounding may differ slightly from actual Credit Card account calculations. This savings calculator provides a savings amount of a maximum period of 12 months from the date of approval. It assumes no other transactions are made during the 12-month period. The minimum repayment amount used in this savings calculation is 3% or $10, whichever is greater. Please note the current Westpac credit card minimum payment requirement is 2% or $5, whichever is greater. Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use and Balance Transfer Terms and Conditions apply. Other fees may also apply.

This is an estimate only. The calculated savings are provided for illustrative purposes only and are based on the accuracy of the information entered. It does not constitute a quote or offer by Westpac. This savings calculator provides approximate savings only based on the promotional balance transfer rate of 5.95% p.a which is valid for 12 months from the date of approval. Interest charge calculation methodology and rounding may differ slightly from actual Credit Card account calculations. This savings calculator provides a savings amount of a maximum period of 12 months from the date of approval. It assumes no other transactions are made during the 12-month period. The minimum repayment amount used in this savings calculation is 3% or $10, whichever is greater. Please note the current Westpac credit card minimum payment requirement is 2% or $5, whichever is greater. Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use and Balance Transfer Terms and Conditions apply.
Other fees may also apply.

The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.

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Balance transfer calculator