Westpac bank began trading in 1817 so they clearly know a thing or two about the banking industry, and that has allowed them to grow into one of the biggest of the big four banks in Australia. Westpac began trading as the bank of New South Wales, from an office in Macquarie place in Sydney. In 1982 Westpac merged with the commercial bank of Australia and that is when it adopted the name of Westpac Banking Corporation. Then in 2002 Westpac was registered as a public company and now manages a group of financial services and businesses, helping over 10 million customers achieve their financial goals.
The retail and business banking arm of the Westpac group operations serves 5 million personal customers and small to medium businesses around Australia. Westpac also operates the RAMS Home Loans brand through their 70 franchise outlets and home finance managers, and serves personal and business banking customers through over 800 branches.
Why Choose Westpac?
Just because Westpac is one of the big four banks in Australia is not reason enough to blindly choose a Westpac credit card or balance transfer offer. Instead you should base your decision and comparisons on how the services and features of Westpac differ from other banks and financial institutions and whether they can meet your needs with differences such as:
- Supporting you in financially tough times. As much as you try and plan for bills and emergency expenses they can be times when you may get sick, the injured, lose your job or suffer a relationship breakdown and you have trouble making your credit card payments. As a Westpac credit card customer you are encouraged to talk to the bank as soon as you find that you are experiencing financial difficulties so that they can offer you assistance in managing your accounts because they would much rather be able to help you find a way to meet your repayments, even if you just need more time, because it will mean that they will eventually be paid.
- Help if you are struggling with credit card balances. As well as being understanding to existing customers who have trouble meeting their credit card payments, Westpac can also help you if you are experiencing financial difficulty with a non-Westpac credit card. Westpac offers a range of balance transfer deals which can help reduce your monthly credit card repayments because you are paying less interest and able to repay your balance sooner.
- Security for you and your credit card repayments. Westpac offers an online transaction security guarantee which means that you will not be held liable for any online transactions which are made fraudulently using your details, as long as you notify Westpac of a fraudulent transaction before the due date of the statement on which it appears. You’re spending in payments will also be monitored by the Westpac Falcon which checks every transaction against your spending habits and history looking for suspicious use of your card. Your information is also secure thanks to a chip in your Westpac credit card which stores your details more securely than a magnetic strip and makes your card harder to forge.
- Award-winning Altitude rewards program. In 2010 Westpac won the money magazine Best of the Best award for the best rewards credit card for the fifth year in a row. The Altitude Platinum American Express received the first place honours, the Altitude American Express came second and the Altitude Gold American Express rounded out third place. The Altitude Platinum card also won first place in the best bank frequent flyer program.
- Earn points for flights and rewards. You can choose a Westpac credit card which ends you points for the things that you really want, and you have the choice of retail and travel vouchers, frequent flyer points, donations to charity, or even a discount of a new car.
- MasterCard Applause rewards. With the Westpac MasterCard you have exclusive access to presale periods for tickets to some of the biggest concerts and live events to come to Australia, exclusive access to events and special offers on tickets. You will also have all of the inclusive benefits offered by MasterCard such as wide acceptance, around the clock emergency services access and ongoing promotional offers.
Westpac Balance Transfer Credit Cards
Taking advantage of a Westpac balance transfer credit card offer allows you to consolidate all of your credit cards and store cards into one easy to manage monthly repayment. Rather than making payments to your credit cards or store cards throughout the month you can repay your balance using a Westpac balance transfer credit card which attracts a much your interest rate and allows you to repay your balance faster and more easily.
If you are already a Westpac customer you can apply for a balance transfer using an online application because once you sign in your details are automatically imported into the online form to make the application process easier and once you submit the form you will receive confirmation in just 60 seconds. If you are not a Westpac customer you can download and complete a form which takes just 10 minutes.
Westpac balance transfer offers to choose from include:
Westpac has such a wide range of credit cards and balance transfer offer is so that you can choose one which suits your needs now and which will make for an easy-to-use and rewarding credit card once you have repaid your transferred balance, so that you can avoid the need for another balance transfer in the future.
Posted on Friday, June 4th, 2010 at 2:54 pm
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